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Social Security CIC benefits for disabled adult son after father's death - can payments start before 5-month waiting period?

I'm trying to figure out the mess of SSDI benefits after my father's unexpected passing. Dad applied for SSDI in September 2024 and got approved in December with that standard 5-month waiting period (meaning benefits would start March 2025). His approval letter mentioned contacting SSA about my brother, who's a disabled adult dependent (he has severe autism and has been disabled since childhood). Unfortunately, Dad passed away suddenly in mid-January 2025 before any payments started. Mom had her phone appointment with SSA last week about survivor benefits and asked about Childhood Disability Benefits (what they call CIC) for my brother after seeing it mentioned in an online forum (the SSA rep never brought it up!). When the rep asked Mom about starting benefits in January, she said yes without thinking it through. Now we're wondering: could my brother's disabled adult child benefits on Dad's record actually start EARLIER than January? Maybe from when Dad first applied in September or when he got approved in December? Is there a separate 5-month waiting period for disabled adult children? Or does that only apply to the disabled worker (Dad)? Can we request an earlier start date for my brother's benefits since he's been disabled his entire life? Any advice would be incredibly helpful. This is all so confusing and we're still processing Dad's passing while trying to navigate this bureaucratic maze.

Val Rossi

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I believe there's some confusion in the responses you're getting. Let me clarify based on SSA rules: 1. When a wage earner dies during the 5-month waiting period for SSDI, survivors don't have to serve the remainder of that waiting period. Benefits can begin the month of death. 2. For your brother as a Disabled Adult Child (DAC), benefits would typically start with the month of your father's death (January 2025). 3. There's a provision called "Deemed Filing Date" that might help in certain situations. If your father mentioned your brother's disability when he first applied in September 2024, there's a possibility this could be considered a protective filing date for your brother. 4. Request a detailed explanation in writing regarding the earliest possible entitlement date. Ask specifically about any protective filing provisions that might apply. 5. If your brother was receiving SSI, the rules for back payments get even more complex, as SSI payments may need to be repaid if retroactive SSDI is awarded. I recommend requesting a meeting with a Technical Expert at your local SSA office who specializes in disabled adult child benefits, not just speaking with the frontline representatives who may not be familiar with all the nuances.

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Everett Tutum

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Thank you for mentioning the "Deemed Filing Date" - I've never heard of that! Dad definitely mentioned my brother's disability when he applied, so this could be relevant. We'll specifically ask about this and request the meeting with a Technical Expert rather than just talking to whoever answers the phone. And we'll request the explanation in writing too - great suggestion.

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Sunny Wang

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One more important thing - if your brother was already receiving SSI (Supplemental Security Income) benefits on his own record, switching to the higher DAC benefits on your father's record will affect his Medicaid eligibility. There's a special provision called "Section 1634(c)" or the "DAC Medicaid protection" you should ask about to ensure he keeps Medicaid coverage even with the higher SSDI payment.

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Everett Tutum

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That's a critical point about Medicaid that I hadn't considered! My brother is on SSI and Medicaid currently, so we definitely need to make sure we don't lose that coverage. I'll specifically ask about the "DAC Medicaid protection" - thank you so much for mentioning this!

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LilMama23

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SSA IT specialist here. The current outage is due to scheduled maintenance that was supposed to complete by 6am EST but encountered some technical difficulties. Engineering teams are working to resolve the issues, and full service should be restored within the next 8-12 hours. Regarding your application timeline: The current processing time for retirement benefits is 75-90 days in most cases. Your online status may not update frequently during this period, but rest assured your application is still being processed even when the website is unavailable. If you have immediate concerns about your specific application, calling your local office with your confirmation number is your best option.

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Thank you for the inside information! That's very helpful to know. I'll be patient and check again tomorrow.

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Yuki Tanaka

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yeah right "scheduled" maintenance that just HAPPENS to crash the whole system... 🙄

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UPDATE: The website is working again this morning! I was able to log in and check my application status. It's still showing as "processing" but at least I can see it's in the system. Thanks everyone for your help and commiseration!

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Dmitri Volkov

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Glad to hear it! The "processing" status is normal and will likely remain that way until your claim is fully adjudicated. Just remember that the online status updates can lag behind the actual processing by several days.

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Great! Now you just have to wait... and wait... and wait... 😂

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Lucy Taylor

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So from what everyone's saying, since I'll keep working anyway and don't need the income right now, waiting until 70 makes the most sense - especially since it would give my wife a higher survivor benefit if needed. I appreciate all the input - will probably try to get an appointment with SSA to get my specific numbers before making the final decision.

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Connor Murphy

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That sounds like a good plan. One more consideration: tax implications. Since you'll continue earning business income, taking Social Security earlier might mean more of your SS benefits get taxed. Up to 85% of your benefits can be subject to income tax depending on your combined income. Waiting until you reduce your work hours might be more tax-efficient as well. Definitely worth discussing with both SSA and potentially a tax professional.

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Kaiya Rivera

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omg everyone's making this so complicated lol. just take it when u need it. all these calculations and projections... nobody knows when they're gonna die!

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Freya Ross

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i think they just take your full retirement amount for 6 months and subtract what survivor benefits you already got for those 6 months. that's what happened with my uncle last year when he did this exact same thing.

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Justin Trejo

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YEP thats how they did it for my wife too. she got a smaller lump sum than she expected because of this but at least her monthly check is bigger now going forward!!!!!

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Leslie Parker

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I'm in a similar situation and meeting with an SSA representative next week. One thing I've been told is that you can request a benefit verification letter through your online account once you get back in. This will show your current survivor benefit amount which helps when making comparisons. Also worth noting - when you switch from survivor to retirement, your Medicare premium payment method might change. I was told to watch out for this to avoid any gaps in coverage.

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Romeo Barrett

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Thank you! I didn't even think about the Medicare premium payment method changing. That's really good to know. Could you possibly update this thread after your meeting next week to share what you learn? I'd really appreciate hearing about your experience.

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Leslie Parker

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Absolutely! I'll come back and share what I learn. My appointment is on Tuesday, so I'll try to post an update by the end of next week. Navigating all this is definitely confusing, so I'm happy to share anything that might help others in our situation.

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For those interested in current legislative efforts, there are two main bills that have been introduced to address WEP: The Social Security Fairness Act (which would fully repeal both WEP and GPO) and the Public Servants Protection and Fairness Act (which would modify WEP with a new formula). The fairness act has more cosponsors but the Protection act is seen as more fiscally feasible. Neither has passed yet, but you can contact your representatives to express support.

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Grace Thomas

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Thank you for this information! I'm going to look up both bills and contact my representatives. It sounds like the full repeal would be ideal, but I'd take the modified formula over nothing. Do you know if either bill has a decent chance of passing anytime soon?

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Dylan Baskin

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ive heard that if you work after you start getting your pension like a parttime job that pays into ss it can help reduce the wep penalty over time is that true??

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Lauren Wood

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Yes, that's correct. Each additional year of substantial earnings under Social Security (which is $30,975 for 2025) can reduce your WEP penalty. If you reach 30 years of substantial earnings, the WEP doesn't apply at all. For people close to that threshold, working part-time after retirement can eventually eliminate the WEP reduction entirely.

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