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Sometimes the largest social security disability payment will come from the survivor's benefits you receive from a deceased spouse's account. Other times, the largest payment will come from your own account. Either way, you have to choose which payment is highest, as you cannot have 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.