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How your SSDI benefits affect your children

On Behalf of | Aug 25, 2023 | Social Security Disability |

When you qualify for Social Security Disability Insurance due to a disability that prevents you from working, this change can also impact your dependents, especially your children.

A significant outcome of your SSDI eligibility is that your children might also qualify for auxiliary benefits. These monthly payments go to eligible dependents of SSDI beneficiaries. In many situations, each child can receive up to 50% of your SSDI benefit amount.

Criteria for children’s eligibility

For your child to qualify for auxiliary benefits, they must meet several conditions:

  • They must be unmarried
  • They must be under 18 or up to age 19 if attending elementary or secondary school full-time
  • If they became disabled before age 22, they can receive benefits at any age

You should report any changes promptly, such as your child’s marriage or their decision to leave school, as these changes can influence their eligibility.

Benefit limits for families

While SSDI allows benefits for multiple family members, a cap exists on the total amount a family can receive. Generally, your family’s total benefits may range between 150% to 180% of your SSDI benefit. If the total exceeds this limit, Social Security will reduce each dependent’s benefit proportionally, but your benefit will remain unchanged.

Application for children’s benefits

When you secure SSDI approval, the Social Security Administration will typically inquire about your children to determine their eligibility. However, if they overlook this or if you welcome a new child after you start receiving SSDI, you should notify SSA. They can then guide you through the application process for your child.

Taking advantage of this additional income can assist families where a parent’s disability has reduced the overall household income.