If your husband is disabled and unable to work, and is collecting State Medical and SSI. He is not 62 for 2 more years and his wife doesn't work so she can care for him doesn't turn 62 for almost 4 years. The wife has a 401k plan. What happens when she retires at 62 will her husband lose his medical cause of the 401k plan or will he be covered by Medicare because of his disabilities.

Hi,

There isn't enough information in your question for me to give you much specific advice. If the husband in your question only receives Supplemental Security Income (SSI) and he doesn't qualify for Social Security disability (SSDI) benefits, then he won't be eligible for Medicare until he reaches age 65. SSI is a needs based program, so any change in this man's income or resources could affect his SSI eligibility. Depending on his state of residence, a loss of SSI eligibility could also result in the loss of Medicaid eligibility.

Anyone receiving SSI must file for any other benefits for which they can qualify, so if this man has at least 40 quarters of Social Security credits then he'll be required to file for Social Security retirement benefits when he reaches age 62 or else his SSI will terminate. If he doesn't qualify for Social Security on his own account, he'd be required to file for spousal benefits when and if his wife files for her benefits. And, the income from their Social Security benefits could reduce or eliminate the man's SSI payments.

Best, Jerry