Q: If I get married, will it affect my benefits?

A: If you get Social Security disability or retirement benefits and you marry, your benefit will stay the same. Here’s how marriage may affect other benefits:

Supplemental Security Income (SSI)

• If you marry, your spouse’s income and resources may change your SSI benefit; or

• If you and your spouse both get SSI, your benefit amount will change from an individual rate to a couple’s rate.

Benefits for a widow, divorced widow, widower or divorced widower

• You cannot get benefits if you remarry before age 60; and

• You cannot get benefits if you are disabled and remarry before age 50.

Divorced spouse’s benefits

Generally, your benefits end if you remarry.

Benefits for a child under age 18 or student ages 18 or 19

Benefits end if you marry.

For more information, call us at 1-800-772-1213 (TTY 1-800-325-0778), 8:00 am – 7:00 pm, Monday through Friday; or contact your local Social Security office (


Q: Can I get Social Security retirement benefits and military retirement benefits?

A: You can get both Social Security retirement benefits and military retirement. Generally, we do not reduce your Social Security benefits because of your military benefits.

When you’re ready to apply for retirement benefits, use our online retirement application, the online retirement application at, quickest, easiest, and most convenient way to apply. See Military Service And Social Security at for more information.


Q: What is substantial gainful activity?

A: The term “substantial gainful activity” (SGA- is used to describe a level of work activity and earnings. Work is “substantial” if it involves doing significant physical or mental activities or a combination of both.

“Gainful” work activity is:

• Work performed for pay or profit; or

• Work of a nature generally performed for pay or profit; or

• Work intended for profit, whether or not a profit is realized.

We use SGA as one of the factors to decide if you are eligible for disability benefits. If you earn more than a certain amount and are doing productive work, we generally consider that you are engaging in substantial gainful activity. For more information on SGA, see The Red Book at


Q: Should I sign up for Medicare Part B if I have Veterans’ Benefits?

A: Signing up for Medicare Part B may provide you with additional service and location options. If you don’t sign up for Part B when you are first eligible:

• You may have to wait to sign up, which will delay your coverage, and;

• you may also have to pay a late enrollment penalty for as long as you have Medicare Part B. Visit for more information.

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