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The Daily Insight

Can I get SSI if my husband gets Social Security?

Author

Ava Robinson

Published May 20, 2026

Individuals can apply for disability even if their husband or wife gets disability. Whether this will affect the outcome depends on whether the individual is applying for Social Security disability (SSDI) or SSI.

Both spouses can get approved for SSI as long as they are disabled and the household income meets Social Security requirements. SSI is a need-based program. If both spouses are on SSI each will get a reduced amount because there is an SSI limit for spouses living together.

Is spouse entitled to SSI benefits?

Your ex-spouse is entitled to Social Security retirement or disability benefits. If your ex-spouse hasn’t applied for benefits, but can qualify for them and is age 62 or older, you can receive benefits on his or her work record if you’ve been divorced for at least two years.

Can a former spouse collect Social Security if they are on disability?

Your ex-spouse is entitled to collect Social Security retirement or disability benefits. Your former spouse doesn’t have to be collecting his or her retirement benefits yet for you to claim ex-spousal benefits.

How much of my husband’s Social Security do I get?

Depending on your age upon claiming, spousal benefits can range from 32.5 percent to 50 percent of your husband’s or wife’s primary insurance amount (the retirement benefit to which he or she is entitled at full retirement age, or FRA). Regardless of the amount of the spousal benefit, it does not affect the amount of your mate’s retirement payment.

When do you get your spouses Social Security benefits?

You will receive your full spouse’s benefit amount if you wait until you reach full retirement age to begin receiving benefits. You will also receive the full amount if you are caring for a child entitled to receive benefits on your spouse’s record who is younger than age 16 or disabled.

What’s the difference between spouses Social Security benefits?

The spousal benefit can be as much as half of the worker’s “primary insurance amount,” depending on the spouse’s age at retirement. If the spouse begins receiving benefits before “normal (or full) retirement age,” the spouse will receive a reduced benefit.