Social Security does not deny any individual the right to apply for disability; consequently, an individual can apply for disability even if their husband or wife gets disability. However, Social Security manages two disability programs: one based upon insured status and the other based upon need.
If an individual is insured for Social Security disability (SSDI), meaning that they have paid FICA taxes for the required number of years, it does not matter if their husband or wife is receiving disability benefits or what the amount of their husband or wife's disability benefit amount is. SSDI is not based upon need; therefore there is no limit to the amount of income in the household.
This is not the case with the need-based Supplemental Security Income (SSI) disability program; the SSI program has income limits. If an individual is approved for SSI disability, their spouse's SSI benefit must be taken into consideration. There is a maximum amount of income that couples can receive on SSI. Additionally, if your spouse is receiving SSI benefits and you become entitled to Social Security disabiilty insurance benefits, there is a good chance that your disability income will stop her or his eligibility to SSI disability.
Learn more about financial eligibility for disability benefits, including how various types of income can affect your eligibility.
