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In either case, you will need to determine the highest payment, as you cannot apply under both. When deciding if you want to apply under a spouse's account or your own, calculating the highest social security disability payment is an obvious first step. It is best to check with the SSA to determine what those payments might be. Depending on your age, level of ability or disability, and your years of work, it is possible to receive higher payments on your own, or via a deceased spouse's account. In the case that you do choose to claim survivor's benefits, you will receive your spouse's full social security disability benefits when you reach retirement, or when you reach the age of 50 and are disabled.