Can I collect my imprisoned husband's Social Security benefits with his POA given to someone else?
I'm in a complicated situation with my husband's Social Security benefits. He's currently in jail and headed to prison soon. Last year, he revoked my Power of Attorney and gave it to another inmate who is now also in jail with a $500,000 bond! I'm 67 years old and my husband is 66. I currently receive very little from Social Security, and I'm wondering if I can access more of my husband's benefits since we're still legally married. Do I have any options now, or do I have to wait until he passes away to claim survivor benefits? The little bit I get now barely covers my basic expenses. Would the fact that someone else has POA affect my rights as his spouse to claim benefits? Any advice would be appreciated as I'm really struggling financially.
20 comments
Rachel Tao
You may be eligible for spousal benefits regardless of the POA situation. Power of Attorney doesn't change your rights to Social Security benefits as a spouse. At your age (67), you're eligible for 50% of your husband's benefit amount if that's more than your own benefit. The fact that he's incarcerated is important though - Social Security generally suspends payments to inmates, but that doesn't affect what YOU can receive as a spouse. I'd recommend contacting SSA directly to discuss your specific situation.
0 coins
Sayid Hassan
•Thank you for the information! That's a relief to hear about the POA not affecting my benefits. Do you know if I need any special documentation when I contact SSA? And would I apply for spousal benefits or is there something specific for spouses of incarcerated individuals?
0 coins
Derek Olson
My cousin went thru something kinda like this last year! Her husband gave POA to his brother and went to prison for 5 years. She still got some money from his SS but I dont think it was the full amount. Definitely call SSA and ask!!!
0 coins
Sayid Hassan
•Thanks for sharing that! It helps to know someone else dealt with a similar situation. Did your cousin have to go to the SSA office in person or could she handle it over the phone?
0 coins
Danielle Mays
There are a few important points to understand here: 1. Power of Attorney is irrelevant to Social Security benefit eligibility - it only allows someone to act on another's behalf when dealing with SSA, not claim benefits. 2. While your husband is incarcerated, his own benefits are suspended according to Social Security rules. 3. As his spouse at full retirement age (which you are at 67), you're entitled to receive up to 50% of his Primary Insurance Amount (PIA) as a spousal benefit if that amount is higher than your own retirement benefit. 4. You should apply for spousal benefits immediately if you haven't already done so. 5. You'll need to provide your marriage certificate, both your Social Security numbers, and possibly documentation regarding his incarceration. I recommend calling SSA at 1-800-772-1213 to schedule an appointment to discuss your specific situation, as spousal benefits can be complex.
0 coins
Sayid Hassan
•This is so helpful! I didn't realize his benefits would be suspended during incarceration, but I could still potentially get the spousal benefits. I'll gather those documents you mentioned. Do you know if they'll send me any forms to fill out before the appointment?
0 coins
Roger Romero
DONT WAIT!!!! The SSA is terrible to deal with and everything takes FOREVER. My husband passed last year and I'm STILL fighting with them about survivor benefits 8 months later!!!
0 coins
Sayid Hassan
•Oh no, that sounds awful! I'm sorry you're still dealing with that after 8 months. I'll definitely try to start the process right away.
0 coins
Anna Kerber
I tried calling the SSA phone number for THREE WEEKS and couldn't get through - just endless holds and disconnections. Then I found this service called Claimyr (claimyr.com) that got me connected to a real SSA agent in under 20 minutes! They have a video showing how it works: https://youtu.be/Z-BRbJw3puU - was totally worth it for me when I was dealing with my disability application. Saved me so much frustration!
0 coins
Roger Romero
•Is that really legit?? I've been trying to get through to SSA for days!
0 coins
Anna Kerber
•Yes it's legit! I was skeptical too but it actually worked. The SSA phone system is so broken, this was the only way I could get through.
0 coins
Niko Ramsey
sorry but i think ur confused about how this works... the POA doesnt mean that person gets your husbands ss money, it just means they can talk to ssa for him and handle his paperwork. but since hes in jail he dont get benefits anyway so POA dont matter. you should be getting spousal benefits based on your own situation regardless of the POA thing.
0 coins
Sayid Hassan
•Thanks for clarifying! I think I was confusing what a POA actually means. That makes me feel better about my situation.
0 coins
Seraphina Delan
I was in a similar position three years ago when my husband went to prison. Here's what I learned through the process: 1. Since your husband is incarcerated, his benefits are suspended for the duration of his incarceration if it's longer than 30 consecutive days. 2. The POA issue is completely separate from your benefit eligibility. That person with POA can only act on your husband's behalf with SSA, not receive his benefits. 3. As a spouse at full retirement age, you're entitled to up to 50% of his full retirement benefit amount if that's more than your own benefit. 4. You need to apply specifically for spousal benefits - it's not automatic! 5. Bring your marriage certificate, both your Social Security cards, birth certificates, and any information about his incarceration. I found that meeting face-to-face at an SSA office was much more effective than trying to handle it by phone. Make an appointment first!
0 coins
Danielle Mays
•Excellent advice. I'd add that if the poster is already receiving some benefits on her own record, SSA will pay the higher of either her own benefit or the spousal benefit (not both). If her own benefit is lower, they'll add a spousal supplement to bring the total up to the 50% level.
0 coins
Sayid Hassan
•Thank you both for the detailed information! This really helps me understand what to expect. I'll try to make an in-person appointment at my local office.
0 coins
Derek Olson
Wait does anyone know if the prison tells SSA automatically when someone is locked up or do u have to tell them yourself???
0 coins
Danielle Mays
•Most facilities report incarceration to SSA through data exchanges, but it's not always immediate or reliable. It's best to proactively inform SSA of the incarceration to prevent potential overpayments that would need to be repaid later.
0 coins
Sayid Hassan
I want to thank everyone for their help and advice. I called SSA this morning but couldn't get through after being on hold for over an hour before getting disconnected. I'm going to try that Claimyr service someone mentioned to see if I can actually speak to someone. I've also scheduled an in-person appointment at my local office for next week just in case. I'm bringing all the documents suggested - marriage certificate, both our Social Security cards, birth certificates, and information about his incarceration. It's a relief to know that the POA situation doesn't affect my eligibility for spousal benefits. I'll update once I get some resolution!
0 coins
Seraphina Delan
•Good plan! Having both the phone and in-person approaches is smart. The wait for in-person can be long, but sometimes it's the most effective way to get complex situations resolved. Good luck!
0 coins