Can I receive Social Security on my own record plus spousal benefits when husband is on SSDI before FRA?

Yes, you can absolutely file on your own record and potentially receive a spousal supplement, even though your husband is on SSDI rather than regular retirement. For Social Security purposes, SSDI is treated similarly to retirement benefits when calculating spousal benefits. Here's how it works: You'll receive your own reduced retirement benefit first (reduced because you're filing before your FRA). Then, if 50% of your husband's SSDI benefit (at your full retirement age) would be higher than your own benefit, you'd get a spousal supplement to bring you up to that amount - but this supplement would also be reduced because you're claiming early. Keep in mind that because you're filing at 62, your own benefit will be reduced to about 70% of your full benefit amount, and the spousal portion will be reduced to as little as 32.5% (instead of the full 50%).

I was in almost exactly your situation last year! My husband was on SSDI and I filed at 63. The most important thing to know is that YES, you can get both, but the calculations get tricky. The way it worked for me was that I got my own reduced benefit (about $1,520) and then a small spousal "top-up" because my husband's benefit was quite a bit higher than mine (around $2,800). If you're having trouble reaching SSA to get a clear answer about YOUR specific amounts (I tried calling for WEEKS and could never get through), I ended up using this service called Claimyr that connected me to an actual SSA agent in under 20 minutes. It was seriously life-changing after all those busy signals and disconnects! Their website is claimyr.com and they have a video showing how it works: https://youtu.be/Z-BRbJw3puU Good luck! The peace of mind from knowing exactly what you'll receive is totally worth it.

my wife got the spdusal top up when i was on ssi not even ssdi so you should be fine

The answer is yes, but with several important considerations: 1. When you file for your retirement benefit early, it's permanently reduced (by about 30% at age 62). 2. For spousal benefits, SSA will calculate the difference between your reduced benefit and up to 50% of your husband's SSDI benefit (also reduced since you're filing early for the spousal portion). 3. CRITICAL POINT: The "deemed filing" rule applies here. When you file for one benefit (your retirement), you're automatically deemed to be filing for any spousal benefits you're eligible for at the same time. 4. Your calculation above isn't quite right. The spousal benefit formula isn't simply 50% of his benefit compared to yours. It's more complicated. The actual calculation is: If 50% of your husband's Primary Insurance Amount (not his actual SSDI payment) exceeds your own Primary Insurance Amount (not your reduced benefit), then you'd get a supplement. BUT both amounts would be reduced for early filing. I strongly recommend scheduling an appointment with SSA to get an exact calculation for your situation. The rules around SSDI/retirement/spousal benefits are complex, and individual situations vary greatly.

You seem to be making this way too complicated. Just file for your benefits and the SSA will automatically figure out if you get any extra from your husband's record. That's what they did for me. I didn't have to do anything special.

When I tried to do this last year the SS office kept giving me different answers every time I called! Super frustrating. One person said I could get both, another said I couldn't because my husband wasn't FRA yet (even though he was on SSDI). I finally went in person and got it sorted out. Just sharing my experience that you might need to be persistent!

i was on ssdi for 5 yrs and my wife got some of her benfit plus some of mine but we had to go in person to the office because the online thing was confusing

One more thing I forgot to mention - when your husband reaches his FRA, his SSDI will automatically convert to regular retirement benefits (same amount). This won't affect your benefits at all, but it's good to know so you're not surprised when you see the change on his paperwork or direct deposits.

Whatever you do, make sure you ask specifically about how early filing affects the spousal portion!! My sister-in-law messed this up and is getting way less than she expected because she didn't understand how the reductions were applied.