I wouldn't be switching to the Spousal Benefits until he retires in Dec. 2025, in which I would get half of his. I can start taking my own benefits now, but since I've only always worked in retail my entire working career, they are pretty low, especially now at age 62. Right now my own benefits are $1055/month but at my full retirement at age 67, they will be $1482/month, which is the same amount I would get now if I am approved for Disability. My big question is if I do get Disability now, can I switch to Spousal Benefits when he retires in dec. 2025? So far it doesn't look like it.