Spousal Benefits Under SSDI—Who Qualifies and How It Works (2025–2026)

Spousal Benefits SSDI

Navigating spousal benefits under SSDI can feel complex. Unlike Social Security retirement, SSDI does not routinely provide a direct benefit to spouses unless specific conditions are met. Understanding when a spouse may qualify, how payments are calculated, and common pitfalls can help families plan

MAGI and SSDI taxability

Modified Adjusted Gross Income Affect on SSDI Benefits

The IRS uses MAGI to decide if a portion of your SSDI benefits is taxable. If MAGI plus half of your SSDI benefits crosses the IRS thresholds, taxes may apply.