Will I lose SSDI after receiving survivor benefits? And remarriage question for survivor benefits
I've been receiving SSDI for about 5 years now (I'm 57) and recently my ex-spouse passed away. After applying for survivor benefits on their record, I got approved but had to go through their doctors to prove my disability all over again before approval. Now I'm getting two separate checks each month - my regular SSDI and this new survivor benefit. I'm confused though - am I still considered to be on disability? The paperwork isn't clear. Also, I'm wondering about future possibilities. If I were to remarry after turning 60, would I still be eligible to collect on my new spouse's Social Security record if we're married for at least 10 years (if divorced) or just 9 months if they pass while we're still married? I know remarriage before 60 would affect my current survivor benefits, but I'm not clear on what happens after 60 regarding potential FUTURE benefits from a new spouse.
18 comments
Lucas Parker
Yes, you're still on SSDI. What you're receiving now is a combination of your own SSDI benefit plus an additional amount from your ex's record as a disabled widow(er). The fact that you had to be evaluated by their doctors was just part of proving you meet the disability requirements for survivor benefits. As for remarriage after 60 - yes, you can keep your current survivor benefits if you remarry after age 60. And if your new marriage lasts at least 9 months and your new spouse passes away, you could potentially receive survivor benefits on their record too (you'd get the higher of the two amounts, not both). Similarly, if you divorce after 10+ years of marriage, you could potentially claim ex-spouse benefits on their record.
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Katherine Hunter
•Thank you - that makes more sense now. So the disability evaluation wasn't to re-qualify me for SSDI but specifically for the survivor benefit? Do you know if the survivor portion ever gets reviewed separately from my regular SSDI continuing disability reviews?
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Donna Cline
i went thru something similar last yr. what happens is they basically just add the survivor amount to ur disability check, ur still disabled according to SSA. they just had to make sure u qualified for the survivor part since thats different rules i think
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Katherine Hunter
•Thanks for sharing your experience! Did they tell you if you'll have separate continuing disability reviews for each benefit or just one review that covers both?
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Harper Collins
You absolutely are still considered disabled. The survivor benefit is just supplementing your SSDI. The reason for the separate medical review was specifically to qualify for the disabled widow(er) benefits, which have their own medical determination process even though you were already approved for regular SSDI. Regarding remarriage - yes, if you remarry AFTER turning 60, you preserve your right to your current survivor benefits AND could potentially qualify for benefits on your new spouse's record if that marriage meets the duration requirements (9+ months if they pass while married, or 10+ years if you divorce). You would receive whichever benefit amount is higher. The SSA system is ridiculously complicated with these scenarios. When I was trying to figure out my own situation, I kept getting disconnected or waiting hours on the phone until I found Claimyr.com - it got me through to an actual SSA representative in about 20 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU. It saved me days of frustration.
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Kelsey Hawkins
•Is that service really legit? I've been trying to get through to SSA for WEEKS about my disability review and keep getting disconnected!!
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Dylan Fisher
NOBODY at Social Security ever explains any of this clearly!!! I went through almost the exact same thing when my husband died (I was already on SSDI) and the SSA office gave me 3 DIFFERENT EXPLANATIONS about whether I was still officially disabled or not. Every time I called I got different information! Then they reduced my Medicare premium without telling me why. The whole system is IMPOSSIBLE to navigate.
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Harper Collins
•You're absolutely right that the communication is terrible. The reality is that you remain on SSDI with all its protections and Medicare benefits, but you're receiving an increased benefit amount due to the survivor benefit. Did your Medicare premium go down because your total income changed? That can affect the IRMAA surcharges.
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Edwards Hugo
Just to add something, I think the medical review you went through was because of the different disability standard for disabled widow(er)s. For disabled widow(er) benefits, they use a stricter definition than regular SSDI sometimes.
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Katherine Hunter
•That's interesting - I didn't realize there were different standards. My SSDI was approved pretty easily years ago, but this review felt more intensive.
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Gianna Scott
To clarify what others have said: 1. Yes, you are still on SSDI. What you're receiving is called "Disabled Widow(er) Benefits" (DWB) in addition to your own SSDI. 2. The medical review was necessary because DWB has its own medical criteria and determination process, even though you were already found disabled under your own record. 3. Regarding marriage after 60: If you remarry after age 60, you can continue receiving benefits on your deceased ex-spouse's record. Additionally, if your new marriage ends (either by death or divorce after 10 years), you could potentially qualify for benefits on your new spouse's record as well. You would receive the highest benefit you're entitled to. 4. Important note: There's a provision called the "family maximum" that might limit the total amount payable on any one earner's record, but that usually comes into play when there are multiple beneficiaries (like when children are also receiving benefits). SSA should be sending you an award letter explaining all this, but they're notoriously unclear in their explanations.
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Katherine Hunter
•Thank you for this detailed explanation! The award letter I got was very confusing - it mentioned both benefits but didn't clearly explain how they work together. Do you know if I'll have separate continuing disability reviews for each benefit in the future?
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Harper Collins
To answer your question about continuing disability reviews (CDRs) - you'll only have one review process. Since you're receiving both benefits based on being disabled, the SSA will conduct a single review that applies to both benefits. If you're found to still be disabled, both benefits continue. If (unfortunately) you were ever found to have medically improved and no longer disabled, you would lose both the SSDI and the disabled widow benefits. However, once you reach your Full Retirement Age (FRA), the disability benefits automatically convert to retirement benefits and the disability reviews stop completely.
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Katherine Hunter
•That's a huge relief! I was worried I'd have to go through separate reviews for each benefit. And good to know they'll convert at FRA - I'm looking forward to not having those reviews anymore.
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Donna Cline
my friend remarried at 62 and kept her dead husbands ss check but i think she gets a lot less than she would if she stayed single. the whole system is so confusing!
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Lucas Parker
•Your friend's situation might be different. If she was receiving survivor benefits and remarried after 60, she should keep getting the same survivor benefit amount. It doesn't get reduced upon remarriage after 60. However, if she was getting spousal benefits from an ex-spouse who was still alive (not survivor benefits), those DO stop upon remarriage at any age. Many people confuse these different types of benefits.
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Dylan Fisher
Anyone else notice how they ALWAYS want to do ANOTHER medical review even when you've been approved for years?? My brother has been disabled since birth (literally) and they STILL make him do reviews every 3 years like he's suddenly going to be cured!! The whole system is designed to wear you down so you give up!!
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Kelsey Hawkins
•My dad had the same experience with his SSDI. Every few years, same paperwork, same doctors saying the same thing. Complete waste of everyone's time and stressful for no reason!
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