You mentioned in your description your husband had to repay overpaid benefits? Are you in the UK? If you are in the UK, and are both married and living together, he would have been claiming for you too? Please forgive me, I’m just trying to understand your question, if you mean should you claim seperately and have different bank accounts to pay it into? you would have to be seperated (no longer living together) to do that, if you live together they won’t allow you to claim seperately. Is that what you mean? I’m a bit confused, likewise if you are working, but your husband not, I don’t think he would be entitled to benefits at all? As a married couple, living together in the UK you are normally treated as one family unit (even without children) and so any claim for benefits would include all income coming into the home to determine whether any benefit is paid. I think this is how it works? maybe one of our fellow jellies will know a bit more. When I was ill for a while and not working, but hubby working, I wasn’t even entitled to help writing my CV at the job centre, where the girl who ended up helping me in her own time, told me to apply for income support (I didn’t) even though I wouldn’t get it (because of hubby working) so that I was in the system and entitled to help finding work. She said the way the system was set up was very unfair.
If it is tax credits (rather than an out of work benefit) you mean, then the same applies, in that any benefit paid to your husband would be based on your joint income coming into the home, to not disclose your earnings (if you had any) and pay them into another bank account would be considered fraud in that case. There is a great website with lots of info here sorry I couldn’t help more, but maybe one of our fellow jellies can help more.
hugs xx