How to Receive Disability Based on Your Husband

By Maribeth Pugh
Wives can claim disability from deceased husbands.
parking image by Judyta Zarska from

Regardless of whether a woman works outside of the home, disability benefits can provide economic security for women and their families. According to Social Security Online, around 60 percent of recipients receiving Social Security are women. Career women usually pay their own taxes and Social Security to the system. Wives who work outside of the home or not can receive disability benefits from their husband's Social Security coverage. Housewives can also receive benefits when their husband retires, die or become disabled.

Check your eligibility for Social Security benefits by visiting your local office or submitting an application online (see "Resources"). Wives who are not working or don't have enough credits are possibly eligible for benefits through their husband. Credits are the amount of money taken from each pay check and being paid to your Social Security fund. If your husband becomes disabled or retired, then you could receive benefits at the age of 62. Spouses with children who are age 16 years and younger can receive benefits no matter what age.

Apply for widow's benefits when a husband dies. Spouses can receive widow's benefits from the age of 60 or older. According to Kasuniclaw, disabled spouses can receive benefits at the age of 50 years old depending on the onset of their disability. The disability must occur before the age of 60. The disabling condition also has to start within seven years before the month of the spouse's death or a month before widow's benefits were terminated. The amount is contingent on the Social Security amount your husband was entitled to upon retirement and your age. If your husband was receiving a reduced amount before death then widow's benefits are based on the reduced amount. Widows with children under the age of 16 years old can receive benefits no matter the age. You can also receive Medicare at the age of 65.

Ask about receiving Supplemental Security Income based on the ex-husband's credits. Ex-wives can possibly receive higher disability benefits based on their ex-husband's work. When applying, you should have your ex-husband's Social Security number. If you are unaware of the number, then you will need to find the spouse's date of birth, parent's name and place of birth. Ex-wives will usually receive higher benefits if the spouse is deceased. Divorced husbands can also follow the same procedures to receive benefits from an ex-wife.

Apply for Social Security disability through the online government website. You can apply for spouse's benefits, retirement, disability or a combination of the benefits through the online website. Applicants can complete and sign the application electronically. You can also check the status of your application online. Applicants are notified by email or mail about benefits in which you are entitled to after receiving the application. Some applicants are denied benefits but can file an appeal electronically.