Hi Larry, i am 62 and i am receiving SS now. My husband is 59 and he is receiving SSDI do i qualify for spousal disability benefits on his account

Hi,

Possibly, but you could only qualify for spousal benefits if 50% of your husband's full Social Security disability (SSDI) benefit rate, which is equal to his primary insurance amount (PIA), is higher than your PIA. Your PIA is equal to the amount that your Social Security retirement benefit would be if you had waited until your full retirement age (FRA) to start drawing.

For example, say Sally has a PIA of $1000 but she files for her Social Security retirement benefits at age 62 and receives a reduced rate of $750. If Sally's husband receives an SSDI benefit of $1800, Sally would not qualify for spousal benefits because her own PIA is more than 50% of her husband's PIA (i.e. $1000 vs $900).

Best, Jerry