Social Security Questions? Ask a Social Security Expert
Hi from just answer. I'm PDtax, and can assist.
Better to try for disability coverage first, as the benefits are based on her full retirement age benefit. The approval process can take some time, so if you need to bring some money in immediately, disability might not be approved quickly enough.
If your wife can't return to work for 12 months of longer, she can qualify.
This article covers six conditions SSA will expedite processing.
www.disabilitysecrets.com/resources/social-security-disability is a link to an article covering the expedited situations.
If your case qualifies, SSA visit for an expedited disability request would be best.
Thanks for asking at just answer. Positive feedback is appreciated. I'm PDtax.