How to Choose Between SSDI and Spousal Benefits—A Simple Guide

At the Law Offices of Christopher Le, we understand that navigating Social Security benefits can be overwhelming. Two common options—Social Security Disability Insurance and spousal benefits—often cause confusion for our clients. Each program serves a distinct purpose and has specific eligibility criteria, and choosing the right one depends on your unique circumstances. In this blog, we’ll break down the key differences, benefits, and considerations to help you make an informed decision.

What Is SSDI?

Social Security Disability Insurance (SSDI) provides financial support to individuals who are unable to work due to a qualifying disability. It is designed for those who have worked and paid Social Security taxes for a sufficient period, earning enough “work credits” to qualify.

Key Features of SSDI:

• Eligibility: You must have a medical condition that meets the Social Security Administration’s (SSA) definition of disability, expected to last at least one year or result in death. You also need a sufficient work history, typically 40 credits (20 earned in the last 10 years).

• Benefits: Monthly payments are based on your average lifetime earnings covered by Social Security. The average SSDI benefit in 2025 is approximately $1,500 per month, though this varies.

• Additional Perks: After two years of receiving SSDI, you become eligible for Medicare, regardless of age.

• Challenges: The application process is rigorous, with many initial claims denied due to strict medical and technical requirements. Appeals can take months or even years.

What Are Spousal Benefits?

Spousal benefits allow you to receive Social Security payments based on your spouse’s (or ex-spouse’s) earnings record. These benefits are available to spouses or divorced individuals who meet certain criteria, even if they have limited or no work history.

Key Features of Spousal Benefits:

• Eligibility: You must be at least 62 years old (or any age if caring for a qualifying child under 16 or disabled) and married to someone receiving Social Security retirement or disability benefits. Divorced individuals may qualify if the marriage lasted at least 10 years and they are unmarried.

• Benefits: You can receive up to 50% of your spouse’s full retirement age benefit if you claim at full retirement age (typically 67 for those born in 1960 or later). Claiming early (at 62) reduces the amount.

• Additional Perks: Spousal benefits are easier to qualify for than SSDI, as they don’t require a disability or work history. They can also be combined with other benefits in some cases.

• Challenges: The benefit amount is often lower than SSDI, especially if claimed early, and you cannot receive spousal benefits if your own retirement benefit is higher.

SSDI vs. Spousal Benefits: Key Considerations

Choosing between SSDI and spousal benefits depends on your health, work history, financial needs, and long-term goals. Here are some factors to consider:

1. Health and Work Capacity:

   • If you have a severe disability that prevents you from working, SSDI is likely the better option, as it’s designed for those unable to engage in substantial gainful activity.

   • If you’re healthy but have a limited work history, spousal benefits may provide income without the need for a disability evaluation.

2. Financial Impact:

   • SSDI payments are based on your own earnings record, which may result in higher payments than spousal benefits, especially if you had a strong work history.

   • Spousal benefits are capped at 50% of your spouse’s benefit, which may be lower than SSDI but easier to obtain.

3. Eligibility Requirements:

   • SSDI requires a qualifying disability and sufficient work credits, which can be a barrier if you haven’t worked recently or long enough.

   • Spousal benefits are more accessible if you’re married to (or divorced from) someone with a strong earnings record and meet age or caregiving requirements.

4. Long-Term Benefits:

   • SSDI provides access to Medicare after two years, a critical benefit for those with ongoing medical needs.

   • Spousal benefits don’t offer Medicare eligibility unless you qualify for other Social Security benefits.

5. Application Process:

   • SSDI applications are complex and often require medical documentation, vocational evidence, and legal assistance to navigate denials or appeals.

   • Spousal benefits involve a simpler application process, with fewer requirements and faster approval times.

      

Can You Receive Both SSDI and Spousal Benefits?

In some cases, you may be eligible for both SSDI and spousal benefits, but the SSA will not pay both in full simultaneously. If you qualify for both, the SSA will pay your SSDI benefit first and may adjust your spousal benefit to ensure the total amount doesn’t exceed certain limits. For example, if your SSDI benefit is higher than the spousal benefit, you may receive only SSDI. Consulting with an experienced attorney can help clarify how these benefits interact in your situation.

Why Choose the Law Offices of Christopher Le?

Navigating Social Security benefits is complex, and the wrong choice can impact your financial stability. At the Law Offices of Christopher Le, our experienced team is dedicated to helping clients maximize their benefits. Whether you’re applying for SSDI, spousal benefits, or exploring both, we provide personalized guidance to ensure your application is strong and your rights are protected. We understand the nuances of Social Security law and can assist with applications, appeals, and strategic planning to secure the benefits you deserve.

Next Steps

If you’re unsure whether SSDI or spousal benefits are right for you, contact the Law Offices of Christopher Le today. We offer compassionate, expert legal advice to help you make informed decisions. Schedule a consultation by calling 210-885-3408. Let us help you secure the financial support you need for a brighter future.