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In either case, you will need to determine the highest payment, as you cannot apply under both. The first step when deciding under whose account to request social security disability is to determine which will provide higher payment. The wisest thing is to consult the Social Security Administration to figure out under which account your payments would be higher. Whether the payments are higher under your own social security disability account or your deceased spouse's is determined by your current age, the severity of your disability, and your earnings record. 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.