Can I Continue To Work If My Spouse Receives SSD Benefits?

Picture of a middle aged couple talking at kitchen table

Social Security Disability (SSD) is designed to protect workers and their families from financial burden. When one spouse is unable to work, it may be challenging to keep up with bills, mortgage payments and other financial obligations. One of the most common questions before applying for SSD is whether an individual can continue to work while their spouse is disabled and receiving benefits.

You Can Still Work While Your Spouse Receives SSD Benefits

The Social Security Administration (SSA) analysis of whether someone qualifies for benefits is specific to the person applying. Other sources of income are not taken into account when you apply for SSD benefits. That means, if your spouse is the one who has become disabled and needs benefits, your income will not come into play when the SSA considers your spouse’s application. You are permitted to work and continue earning an income if you have a disabled spouse.

However, if your spouse applies for Supplemental Security Income (SSI), your salary and assets as a couple would need to be reviewed.

How Do You Qualify For Disability Benefits?

Eligibility requirements for Social Security Disability benefits can often be confusing.  A person must have worked long and recently enough under Social Security to qualify for disability benefits. Individuals can earn up to four credits each year. The amount of credits needed depends on age and the onset of the disability or injury. Additionally, they must have a medical condition that meets Social Security’s definition of disability. SSA defines disability as:

  • The individual cannot do work that they did before because of their medical condition.
  • They cannot adjust to other work because of their medical condition.
  • A disability has lasted or is expected to last for at least one year or is terminal.

Can I Collect On My Spouse’s Social Security Disability?

According to Social Security law, some family members of disabled workers may also receive a Social Security disability benefit. Spouses married for at least a year are entitled to benefits based on the earnings record of the disabled spouse. If your spouse receive’s SSDI benefits, you may also be eligible for benefits if the following situations apply:

  • You are 62 years or older.
  • You are caring for your minor child.
  • You are caring for your disabled child.

Get Answers. Get Results.

If you or someone you love is considering filing a Social Security disability claim, or the SSD claim has been denied, let us help you fight for the benefits you deserve. Our team of Social Security Disability attorneys in Michigan go above and beyond providing quality legal representation. We are genuinely passionate about making a meaningful difference in their lives.

Contact the Disability Attorneys of Michigan now for a free case consultation at 800-701-5524.



I will never forget you and the hard work you did to secure my Social Security Disability benefits. Thank you!

- Christine C.