TL;DR
- When getting married affects your benefits, several of your benefits may change - some may increase and others may decrease.
- This guide covers exactly which programs are affected and what you need to do.
- After any major life change, run a new free benefits screening to see your updated eligibility.
What Changes
Life changes affect your benefit eligibility because most programs are based on your current situation: income, household size, age, disability status, and location. When any of these change, your benefits may change too.
An increase in income or household resources may reduce some benefits, but you may still qualify for programs you did not consider before.
Programs Affected
Healthcare Coverage
Getting married or having a baby triggers a Special Enrollment Period for health insurance.
- Medicaid: Higher income may affect eligibility. Reapply or report the change to your Medicaid office.
- ACA Marketplace: Life changes trigger a Special Enrollment Period (60 days from the event). Update your marketplace application to adjust your premium subsidy.
- Medicare: Medicare eligibility is not usually affected by income changes, but Medicare Savings Programs and Extra Help may be.
SNAP (Food Stamps)
Report your income change. Higher income may reduce your SNAP benefit, but you may still qualify. Remember that SNAP allows deductions for housing, childcare, and medical expenses.
Housing Assistance
Report income changes to your housing authority. Your rent calculation (typically 30% of income) will be adjusted. If your income dropped, your portion of rent should decrease.
Cash Assistance
- TANF: Income increases may affect eligibility. Report changes promptly.
- SSI: SSI is affected by income and resource changes. Report all changes within 10 days.
- Unemployment: Unemployment eligibility may change based on your situation.
Tax Credits
Life changes during the year affect your tax credits:
- EITC: Changes in income and filing status affect your EITC amount. Make sure to file taxes to claim it.
- CTC: The CTC depends on your income and number of qualifying children.
- Premium Tax Credit: Update your marketplace application so your subsidy reflects your current income. If you do not, you may owe money at tax time or miss out on savings.
What You Need to Do Right Now
- Run a new benefits screening. Take the free BenefitStack screening with your updated information to see your new eligibility across all programs.
- Report changes to current programs. Contact each program you currently receive and report the life change. Most require notification within 10-30 days.
- Check if you qualify for new programs. Even positive changes like marriage or a new baby can open up new benefits.
- Gather documentation. Get paperwork related to the life change: marriage certificate, plus updated income information.
- Watch for Special Enrollment Periods. Most life changes trigger a 60-day window to change your health insurance through the ACA marketplace.
Common Mistakes After This Life Change
- Waiting too long. Many benefits are retroactive to the application date. Apply as soon as your situation changes.
- Only checking one program. A life change affects many programs at once. Screen for everything, not just the one program you are thinking of.
- Forgetting to report changes to existing programs. Failing to report can lead to overpayments that you will have to pay back, or continued receipt of the wrong benefit amount.
- Assuming you no longer qualify. Even with higher income, you may qualify for programs at higher thresholds like ACA subsidies, CHIP, and tax credits.
Timeline of Actions
| Timeframe | Action |
|---|---|
| Within 24 hours | Run a new benefits screening to understand your updated eligibility. |
| Within 1 week | Report the change to all current benefit programs. Gather documentation. |
| Within 30 days | Apply for any new programs you qualify for. Update your ACA marketplace application. |
| Within 60 days | Complete Special Enrollment Period for health insurance if applicable. |
| At tax time | File taxes to claim EITC, CTC, and other credits reflecting your changed situation. |
Related Resources
- How Getting a Green Card Affects Your Benefits
- How a Personal Injury Settlement Affects Your Benefits
- Benefits After Honorable Discharge: Full VA Access
- How to Save on Energy Bills With LIHEAP and Weatherization
- Benefits for People Turning 50: Early Access Programs
Find Out What Benefits You Qualify For
Most people qualify for more benefits than they think. In fact, over $30 billion in government benefits goes unclaimed every year simply because people do not know they are eligible.
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Take the free benefits screening now and find out what you are missing.
Frequently Asked Questions
What Changes?
Life changes affect your benefit eligibility because most programs are based on your current situation: income, household size, age, disability status, and location. When any of these change, your benefits may change too.
What should I know about programs affected?
Getting married or having a baby triggers a Special Enrollment Period for health insurance.
What are the benefits of find out what benefits you qualify for?
Most people qualify for more benefits than they think. In fact, over $30 billion in government benefits goes unclaimed every year simply because people do not know they are eligible.