Is my child eligible for SSDI benefits?

Minors may receive SSDI benefits if at least one of their parents also receives SSDI benefits. As many families with one or both parents disabled are usually on a fixed low income, available benefits for any dependent child(ren) may be essential to providing adequate income for family. The disabled parent(s)'s amount of SSDI benefits is based on his or her lifetime earnings record. The higher the lifetime average earnings, the higher the monthly SSDI benefit amount. The maximum any child can receive of social security benefits is half of the parent's disability benefits.

In the case of a divorce, the custodial parent receives the benefits as the child's representative payee even if the custodial parent is not the parent receiving SSDI. Additionally, a disabled child may also receive social security benefits if the parent is receiving social security benefits due to disability, retirement or survivor's insurance.

Requirements

Eligible minors include both biological and adopted children, as well as certain stepchildren and dependent grandchildren. To receive SSDI, a child must meet the following criteria:

• Is unmarried;
• Is younger than 18;
• Is 18-19 years old and a full-time student (no higher than grade 12); or
• Is 18 or older and disabled  (The disability must have started before age 22.)

If a minor's SSDI benefit does not meet a set statutory amount, the child may also receive benefits from disabled child social security under the Supplemental Security Income program.  The minor may also be eligible for Medicaid benefits.

To apply for Social Security benefits for a dependent child of a disabled parent(s), you must fill out an application at your local Social Security Administration (SSA) office.  SSA representatives will provide assistance completing the application process.

Social Security sets limits on the amount of benefits one household can receive.  If the total family benefits exceed that limit, each member’s benefit is reduced proportionately.

Talk with an experienced attorney to discuss SSDI for your child.