Many parents receiving SSDI wonder whether their children can receive benefits based on their own eligibility. The answer depends on the child's age, disability status, and the parent's benefit type.
Here are the common scenarios:
- Disabled Adult Children Can Qualify
Children over 18 who have a disability that began before age 22 may qualify for SSDI as Disabled Adult Children (DACs). These benefits are based on the parent's work history, not the child's, and can be substantial. - Child Must Be Unmarried and Dependent
To receive DAC benefits, the child must be unmarried, and their disability must be permanent and prevent them from working. If they marry, they may lose benefits — unless the spouse is also a qualified DAC recipient. - Parent Must Be Eligible
The child's eligibility depends on the parent's SSDI or retirement benefit status. The parent must be receiving SSDI, be retired, or be deceased for the child to qualify. - Benefits for Minor Children
Children under 18 (or under 19 and still in high school) may receive dependent benefits, which are different from DAC. These benefits are available even if the child is not disabled. - Family Maximum Applies
The SSA limits how much can be paid to a family based on one person's earnings record. If multiple family members are receiving benefits, they may be reduced to stay within this cap.
For more details and one-on-one guidance regarding SSDI benefits for children, contact the Law Office of Irene Ruzin. Our disability attorneys can help ensure your child receives every benefit they qualify for.