Spousal SSDI Benefits

Spousal benefits under SSDI can be confusing because, unlike Social Security retirement, SSDI does not typically provide a direct benefit to spouses unless certain conditions are met.

Here's when spouses may qualify:

1. If You Care for a Disabled Child Under 16
   A spouse may receive benefits if they're caring for the disabled child of the SSDI recipient and the child is under age 16. This is a dependent benefit, and it stops once the child turns 16.
2. Widow or Widower Benefits
   If your spouse has passed away and was eligible for SSDI, you may qualify for widow(er)'s disability benefits, particularly if you are disabled and over age 50.
3. Divorced Spouses May Also Qualify
   If you were married for at least 10 years, are now divorced, and meet age/disability requirements, you may still be eligible for benefits based on your ex-spouse's work history.
4. No Dual SSDI Payments
   You can't "double dip." If both spouses receive SSDI, you'll only receive your individual payment — not a spousal addition.
5. Family Benefit Limit
   As with dependent children, the SSA imposes a family cap on total benefits payable from one person's record. If both a spouse and child receive benefits, individual payments may be adjusted.

For more details and one-on-one guidance regarding spousal SSDI eligibility, contact the Law Office of Irene Ruzin. Our experienced attorneys can help you understand your rights and receive the benefits you're entitled to.