Since there is only one HSA account to consider, the directions shared by dmertz will give you a message onscreen stating that your wife's coverage has lapsed due to a disability.
When this happens, you need to go back to the question about her coverage and answer that her coverage was 'none'. That is because the HDHP health insurance was in your name only, even though she was covered under your plan.
If she had her own HDHP coverage and her own HSA under her name, then following the directions shared by dmertz would be correct unless she had self-only coverage in her name.
@disconinjagary
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