Children And Social Security Disability Insurance (ssdi)

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Children and Social Security Disability Insurance (SSDI)

The Social Security Agency knows that as a parent, your income is relied upon to support your children. If you become disabled and are no longer able to be gainfully employed, your childrens welfare is at risk. Therefore, if you qualify for SSDI, your dependent children are also able to receive benefits to ensure their well-being.

Your unmarried children and dependent grandchildren under the age of 18 (including adopted children) should qualify for Social Security benefits if you are getting SSDI. If your child is age 18 or 19, they will also qualify if theyre in school full time. In some cases, your stepchildren will also qualify to receive benefits. If you have a disabled, unmarried child 18 years old or older who became disabled before they turned 22, they should also qualify to receive benefits.

In the case of stepchildren of SSDI recipients, they must be dependent on the disabled stepparent for at least half of their financial support. The SSDI recipient must have been the childs stepparent for a minimum of 12 months before he or she applied for benefits. If the stepparent and the childs parent divorce, the childs benefits end the month after the divorce is final.

Qualifying dependent grandchildren of SSDI recipients is a bit of a tricky proposition, but its certainly possible, especially if the childs natural parents are deceased or disabled, or if theyve been legally adopted by the grandparent. If not, the parents must not be contributing to their financial support and the child must be under the age of 18 and have been residing with the grandparent for at least one year prior the grandparents qualifying for SSDI.

The children of divorced parents are able to receive benefits, whether they live with the disabled parent or not. Children of unmarried parents are also able to qualify for benefits, if a parent becomes disabled and receives SSDI.

The five month waiting period for SSDI applicants is waived for their children, so an SSDI recipient who wants to obtain benefits for their dependent children, stepchildren or grandchildren should file a claim for them as soon as they are able. Dependent children are entitled to receive up to 50% of the disabled persons SSDI benefits, but there is a cap on the amount that a family can receive, which is generally 50% to 80% of the total SSDI benefits received by the disabled person.

In order to file a claim for benefits for your dependent children, you will need their birth certificates and social security numbers. The claim can be filed at your local Social Security office or online.

by: Burt Owens

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