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Possibly Marry and Keep insurance

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Texasmoneyman300
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12 Jun 2025, 2:51 am

Hi yall,
I have been trying to find someone to marry for years now. I have at least 10,000 dollars in life-saving medical bills every month that are covered by medicare/medicaid....I am also on SSDI/SSI. As it stands now I am legally forbidden by the Federal Government to marry if I want to keep my coverage. However my mom told me that disabled people can get married to each other and keep their benefits. Although I am not for sure about that. Do you think getting married and falling in love with a fellow Disabled person can work...because its either that or I go bankrupt or die or never get married. I just wish us disabled people could get married without jeopardizing our health insurance.



The_Face_of_Boo
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12 Jun 2025, 10:02 am

That's a tough one.

Maybe a domestic lawyer can help you.



BTDT
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12 Jun 2025, 11:58 am

https://www.cga.ct.gov/2022/rpt/pdf/2022-R-0102.pdf
How it works in CT. States are allowed to increase income levels for benefits.

https://www.hhs.texas.gov/handbooks/med ... s-handbook
'



nick007
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12 Jun 2025, 12:43 pm

Your Social Security Disability is not affected by your partner's income, it's mostly only affected by your own earned income from something like employment. You can also keep your Medicare if you get married but your Medicaid might be affected depending on your partner's income & resources in relation to your medical expenses. However SSI is dependent on the couple's combined income & resources & the ammount of SSI a couple gets is only 50% more than an individual does & the resource limit for the couple is three thousand instead of both being allowed two thousand.
You could also live toghether like your married without offically being married. That's what me & Cass do since being married would screw up her benefits.


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Texasmoneyman300
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12 Jun 2025, 5:15 pm

nick007 wrote:
Your Social Security Disability is not affected by your partner's income, it's mostly only affected by your own earned income from something like employment. You can also keep your Medicare if you get married but your Medicaid might be affected depending on your partner's income & resources in relation to your medical expenses. However SSI is dependent on the couple's combined income & resources & the ammount of SSI a couple gets is only 50% more than an individual does & the resource limit for the couple is three thousand instead of both being allowed two thousand.
You could also live toghether like your married without offically being married. That's what me & Cass do since being married would screw up her benefits.

Well Texas has common law marriage so that may not work...also my church would disfellowship me if I joined them and did that. I have thought about just considering us married without going through with the legal stuff. I have been told that I would lose my health insurance if I get married. I would lose my medicaid.



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12 Jun 2025, 7:02 pm

Texasmoneyman300 wrote:
nick007 wrote:
Your Social Security Disability is not affected by your partner's income, it's mostly only affected by your own earned income from something like employment. You can also keep your Medicare if you get married but your Medicaid might be affected depending on your partner's income & resources in relation to your medical expenses. However SSI is dependent on the couple's combined income & resources & the ammount of SSI a couple gets is only 50% more than an individual does & the resource limit for the couple is three thousand instead of both being allowed two thousand.
You could also live toghether like your married without offically being married. That's what me & Cass do since being married would screw up her benefits.

Well Texas has common law marriage so that may not work...also my church would disfellowship me if I joined them and did that. I have thought about just considering us married without going through with the legal stuff. I have been told that I would lose my health insurance if I get married. I would lose my medicaid.


This is my main issue with getting married too!! !

Besides my brother being against it, marriage would mean revoking my Social Security benefits!

I would have to get a real job



nick007
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12 Jun 2025, 7:46 pm

:skull:

Texasmoneyman300 wrote:
nick007 wrote:
Your Social Security Disability is not affected by your partner's income, it's mostly only affected by your own earned income from something like employment. You can also keep your Medicare if you get married but your Medicaid might be affected depending on your partner's income & resources in relation to your medical expenses. However SSI is dependent on the couple's combined income & resources & the ammount of SSI a couple gets is only 50% more than an individual does & the resource limit for the couple is three thousand instead of both being allowed two thousand.
You could also live toghether like your married without offically being married. That's what me & Cass do since being married would screw up her benefits.

Well Texas has common law marriage so that may not work...also my church would disfellowship me if I joined them and did that. I have thought about just considering us married without going through with the legal stuff. I have been told that I would lose my health insurance if I get married. I would lose my medicaid.
Vermont has common law marriage as well but it's not like we tell Social Security we act like we're married. Cass told em I'm her boyfriend & the guy asked if we identify in the community as being married & she said No. It's not like we tell others we're married but some others probaboy assume that cuz off how we act but I do not think most married couples act nearly as affectionate as us. Your church & our government do not accomedate for the practicalities & complexities of disabled having serious relationships so I feel no guilt about not being fully honest & open.


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Texasmoneyman300
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13 Jun 2025, 2:43 am

BTDT wrote:
https://www.cga.ct.gov/2022/rpt/pdf/2022-R-0102.pdf
How it works in CT. States are allowed to increase income levels for benefits.

https://www.hhs.texas.gov/handbooks/med ... s-handbook
'


Okay....I think me and the future wife would only be allowed to have 3,000 dollars in assets if we got married.



Texasmoneyman300
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13 Jun 2025, 2:45 am

Mikurotoro92 wrote:
Texasmoneyman300 wrote:
nick007 wrote:
Your Social Security Disability is not affected by your partner's income, it's mostly only affected by your own earned income from something like employment. You can also keep your Medicare if you get married but your Medicaid might be affected depending on your partner's income & resources in relation to your medical expenses. However SSI is dependent on the couple's combined income & resources & the ammount of SSI a couple gets is only 50% more than an individual does & the resource limit for the couple is three thousand instead of both being allowed two thousand.
You could also live toghether like your married without offically being married. That's what me & Cass do since being married would screw up her benefits.

Well Texas has common law marriage so that may not work...also my church would disfellowship me if I joined them and did that. I have thought about just considering us married without going through with the legal stuff. I have been told that I would lose my health insurance if I get married. I would lose my medicaid.


This is my main issue with getting married too!! !

Besides my brother being against it, marriage would mean revoking my Social Security benefits!

I would have to get a real job


Oh okay...I am sorry to hear that...Best of luck to you.



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13 Jun 2025, 5:04 am

I think that Iis unfair.

I could have gone on SSDI and collected a nice bank deposit every month as I had a good paying job and the required forty quarters but worked really hard on rehab and made a full recovery! I maxed out on my retirement account for decades so I now have a lot of money.



Kitty4670
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14 Jun 2025, 2:24 am

I'm on SSI, but I don't know about marriage, sooner or later I will get off SSI, cuz I'm getting my mom's Social Security money, I think I will lose my insurance.



Mikurotoro92
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14 Jun 2025, 4:55 am

Texasmoneyman300 wrote:
Oh okay...I am sorry to hear that...Best of luck to you.


Thanks

I know I will find a solution to the problem eventually!! !

(Well, I have to if I want to get married!)

But the revoking of SSI would just mean I would have a get a real job

I like getting non-stop checks every week but perhaps it is time to stop relying on government support and starting actually working hard for my money?

My brother poses a MUCH bigger threat to my marriage goal!

Unless I can find a workaround that ensures we are both happy...



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14 Jun 2025, 9:16 am

Kitty4670 wrote:
I'm on SSI, but I don't know about marriage, sooner or later I will get off SSI, cuz I'm getting my mom's Social Security money, I think I will lose my insurance.
Most are able to get Medicare after being on Social Security Disability for a year. If the ammount you get from SSDI is only slightly more than SSI or if you get so little that your able to keep getting SSI, you should be able to get Medicaid as well once you start collecting Medicare but you might have to do paperwork every year to verify yohr income & resources. When my SSI switched over to SSDI I lost my Medicaid fot about half a year till I got on Medicare.


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Mikurotoro92
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14 Jun 2025, 6:10 pm

The way I see it, if you truly love someone enough to get married to them it SHOULD NOT MATTER if your Social Security benefits get revoked!! !

Get married anyway lol



Texasmoneyman300
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14 Jun 2025, 7:11 pm

Mikurotoro92 wrote:
The way I see it, if you truly love someone enough to get married to them it SHOULD NOT MATTER if your Social Security benefits get revoked!! !

Get married anyway lol

Well that would not be wise because me and my parents could go bankrupt and I would die if I lost my health insurance coverage.



Mikurotoro92
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14 Jun 2025, 7:17 pm

Texasmoneyman300 wrote:
Mikurotoro92 wrote:
The way I see it, if you truly love someone enough to get married to them it SHOULD NOT MATTER if your Social Security benefits get revoked!! !

Get married anyway lol

Well that would not be wise because me and my parents could go bankrupt and I would die if I lost my health insurance coverage.


Hmm...there is no easy solution to this is there?

Can you just get a job?

Also, there is no guarantee that you will even get married so why worry about it?

Maybe you should just focus on finding a suitable woman FIRST then start worrying about marriage and revoking of Social Security benefits!

I am at that phase right now so it makes sense for me to be concerned about this!! !



Last edited by Mikurotoro92 on 14 Jun 2025, 7:27 pm, edited 2 times in total.