Can my older husband (63) claim spousal benefits from my SSDI at 57? Or must he use his own SS record?

Yes, your husband may be eligible for spousal benefits based on your SSDI record, but there are some important things to understand: 1. He can apply for spousal benefits since he's already past 62 (the minimum age) 2. If he claims now at 63, he'll get a reduced spousal benefit (roughly 35% of your primary insurance amount instead of the full 50%) 3. SSA will automatically give him whichever is higher - his own benefit or the spousal benefit 4. If he's still working, he's subject to the earnings test until his Full Retirement Age (probably 66 and some months for him) The earnings test could reduce or eliminate his benefits if he makes over $22,320 in 2025 (they deduct $1 for every $2 earned above that limit).

my wife got disability and i got 1/2 of her check when i turned 62... but they take out of it cuz i still work my construcion job. its better than nothing tho! they just make u fill out a form every year about how much u make

The real question is whether your husband's own benefit at his full retirement age would be higher than 50% of your SSDI benefit. If it is, then he'd be better off claiming his own benefit. Has he created a my Social Security account? He can see his estimated benefit amounts there.

As someone who went through this exact situation with my husband, I can tell you that Social Security will automatically pay your husband the higher benefit amount (his own or the spousal benefit). But what tripped us up was the earnings limit - my husband was still working part-time and ended up having to pay back some benefits when we filed taxes! He might want to wait until his Full Retirement Age if he's still earning good money. After FRA, the earnings test goes away completely and he'd get the full 50% spousal benefit if that's higher than his own. One thing we learned the hard way - have him apply for BOTH benefits (his own and spousal) in the same application. They don't automatically check both if you don't mention it.

To directly answer your question: Yes, your husband can potentially receive spousal benefits based on your SSDI record, but Social Security will automatically pay him the higher of either his own retirement benefit or the spousal benefit. He cannot receive both. At age 63, he would receive a reduced amount - approximately 35% of your Primary Insurance Amount (PIA) rather than the 50% he would get at his Full Retirement Age. If he's still working, the earnings test will apply until he reaches his FRA (likely 66 and some months, depending on his birth year). For 2025, SSA will deduct $1 for every $2 he earns above $22,320. For a precise comparison of his options, he should contact SSA directly to have them calculate the exact benefit amounts.

Wait u can get ur own SS and spousal?? My brother in law said u can only get one or the other not both

I'm getting so confused by all the different rules! Let me see if I understand correctly: 1. My husband can apply for spousal benefits based on my SSDI 2. He'll get either that OR his own benefit (whichever is higher) 3. If he claims at 63, he gets a reduced amount 4. If he's earning too much, they'll take some back So is there ANY advantage to him claiming early? Or should he just wait until his Full Retirement Age? His health isn't great either, so we're worried about waiting too long...