How Children Can Qualify for Disability Benefits

How Children Can Qualify for Disability Benefits

Parents with disabled children should always know more about their ability to receive disability benefits. While there are multiple ways to go about securing income for your family, your children can qualify for disability benefits if they are not working, and they have a disability that’s expected to last at least 12 months. Should they meet both of these requirements, you can either file for Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI). The benefits you may receive will ultimately depend upon your household income and your personal eligibility for Social Security.

Applying For Disabled Children Through SSI

SSI is an option for individuals who have been disabled and have a low income – and it is the only way that children can receive a benefit of their own. Though not technically a child benefit, which is one that is paid from a parent’s social security earnings, it’s a good option for families in which neither parent is currently receiving a social security benefit of their own.

Children can receive SSI at any point throughout their lives until they are 18, so long as their disability meets the SSA’s definition. The catch, however, is that the parents of the child must qualify within a certain income and resource limit, which ranges from $3,000 to $6,000 each month depending on the number of parents and ineligible children in the house. If your household makes a certain amount of money higher than the limit, for example, your child will not be eligible for disability benefits.

Applying For Disabled Children Through SSDI

SSDI, on the other hand, offers a child benefit in families where a parent is receiving a social security benefit already. In this option, there is no income cap. While SSDI applies to the parent, your child may be eligible to receive dependent benefits.

If your child is older than 18, they can still receive benefits as an “adult child” so long as their disability began before age 22. Children who are not disabled can still receive disability benefits if you are receiving SSDI if they are under 18 and unmarried or are under 19 and enrolled in a secondary school full time.

The SSA’s category for children includes biological children, adopted children or stepchildren, so almost all dependents are eligible to receive a benefit, making it a great option for assimilated families. If you don’t qualify for SSDI based on your work history, your child might qualify you for SSI. Note that this SSI only applies to one person; however, no one else in the family will be able to claim a benefit under the option.

Ask a Legal Professional For Help Filing Your Claim

Navigating the application process for SSDI can be confusing, so you might want to consider professional assistance from a specialized Social Security attorney or advocate who has experience with how children can qualify for disability benefits. He or she will have the background knowledge needed to help you understand what your best course of action is and how you can accurately complete you or your child’s claim to offer you the best chance of an approval the first time around.

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