When I went on SSDI my therapist had written (and I probably had to but this happened because of him) that I'd had trouble paying bills on time and sometimes struggled to understand bills and so before I could get the checks myself I had to pass a little "test" thing. If you are uncomfortable with your husband taking over your SSDI checks (and without demonstrating some behavior that showed I was actually having trouble I would be but that's just me) maybe you can ask SS to do their test to determine if you can handle being the payee?

If we tried to prevent every possible risky behavior ahead of time we'd wind up not able to do anything. I'm fortunate in that my risky behaviors have always been fairly moderate and controlled fairly well but that doesn't mean that I'll never do something worse than I have but if I do there's no predicting what that might be since I'm just impulsive in general. I know some of the things that I'm more at risk for and try to watch those behaviors and avoid situations where I could get into trouble but you can't spend your whole life guessing what you might do next.