Disability Benefits for Children
Many parents worry about what will happen to their children if they have significant special needs
. This concern heightens if the family is unable to pay for needed medical treatments for the child. The Social Security Administration has two options available in those cases. Both SSI, or Supplemental Security Income, and SSDI, Social Security Disability Insurance, are available in these cases.SSI is available for children who have special needs before the age of 18. To qualify for SSI payments, a child's family must be considered low-income. In addition, the disability may be physical or mental and must incapacitate a child for at least 12 months or until the child's death.
The child must not be working a job making substantial income. The parents' income matters only in that a higher income will disqualify the child from receiving SSI. On the other hand, a parent who is also disabled or who is retired or not working will not result in the child losing benefits as the Social Security Administration calculates SSI payments on the disability and not how much the parents may have paid in over time.
SSDI is the other type of social security benefits available to disabled children. These payments are based on the parents' income over time and cover people who become disabled before the age of 22. People who reach 18 and are disabled under any program will receive benefits until their death, or as long as the disability prevents them from working significant jobs.
The process of receiving disability payments for a child begins with visiting or calling the Social Security Administration. The caseworkers there will need to know about the child's medical history. Though they will contact doctors and hospitals to verify this information, the process goes faster if parents or guardians are able to provide dates of service and account numbers with any medical visits. If the parents can provide copies of the child's medical records, that also can speed up the process.
Getting disability benefits for a child requires a good bit of legwork for most parents, but the benefits are immense for children whose medical care requires significant financial resources.
This article is solely for informational purposes and should not be construed as legal advice.
Disability Benefits for Children
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