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Ask Lane Your Own Question
Category: Social Security
Satisfied Customers: 11991
Experience:  Law Degree, specialization in Tax Law and Corporate Law, CFP and MBA, Providing Financial, Social Security & Tax advice since 1986
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Later this year I will retire and collect social security

Customer Question

Later this year I will retire and collect social security and go on Medicare. Sometime this year also I will marry. She collects SSI and is on Medicaid.
JA: These retirement benefits are supposed to help us but they can be so complicated! The Retirement Expert will help you get the most benefits propertly. Please tell me more, so we can help you best.
Customer: She is 60 and so I won't be able to immediately get her on my medicare. Can she still stay on Medicaid until she is old enough to enter into my social security and medicare?
JA: Is there anything else the Retirement Accountant should be aware of?
Customer: I'm not sure at this time.
Submitted: 6 months ago.
Category: Social Security
Customer: replied 6 months ago.
From reading the rules I know a spouse has to be at least 62. I'm not sure how all these factors will affect her getting medical care. Will I be able to put her on my medicare separate from the social security benefit before she becomes eligible?
Expert:  Lane replied 6 months ago.

Hi. My name's Lane. I can help explain this.


Honestly (may be stating the obvious here) marrying may NOT be what maximizes benefits the most.


Her SSI eligibility would, upon becoming married, be based on HOUSEHOLD income, which would also affect Medicaid eligibility.


So, (I'm so sorry to be the messenger) unless household assets and income would still allow her to be on medicaid OR she has a disability that allows for early Medicare, the best "planning" strategy may be to postpone the marriage (which many do).


If she has ESRD (also known as kidney failure) OR amyotrophic lateral sclerosis (ALS or Lou Gehrig's disease), she may qualify, but, again, so sorry, the marriage changes her eligibility for both SSI and Medicaid, and she wouldn't qualify for MediCARE until age 65.


She WILL, however, qualify for the 50% spousal retirement benefit, at 62 ... and should you pass, will qualify for 71.5% of your basic benefit at her age 60.

Expert:  Lane replied 6 months ago.

Please let me know if you have ANY questions at all, before rating me.

I hope you’ll rate me (using those stars, or faces on your screen, by clicking submit) based on thoroughness and accuracy, rather than any good news / bad news content.

Otherwise I’ll receive no compensation for the work here at all, from JustAnswer.

Thank you!


I hold a law degree, with concentration in Tax Law, Estate law & Corporate law, an MBA, with specialization in finance a BBA, and CFP & CRPS designations, as well - I’ve been providing financial, Social Security/Medicare, estate, corporate, non-profit, and tax advice, to clients on three continents since 1986.