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Can I apply for Social Security benefits for myself and my 9-year-old online or is an office visit required?

I'm turning 62 next month and planning to claim my retirement benefits. I also have custody of my 9-year-old granddaughter (long story - her parents aren't in the picture). I've heard she might be eligible for benefits on my record too. Can we both apply online through the SSA website, or do I need to make an in-person appointment for her application? The nearest office is almost 80 miles away, and I'm trying to avoid that drive if possible. Has anyone gone through this process recently? Thanks for any guidance!

Paolo Bianchi

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You can definitely apply for your own retirement benefits online at ssa.gov, but unfortunately, you'll need to contact SSA directly for your granddaughter's application. Child benefits can't be processed completely online when there's a custodial situation involved. The SSA needs to verify the custody arrangement.

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Thanks for clarifying. That's what I was afraid of... the 80-mile trek it is then. Do you know if I need to bring specific documentation to prove custody? The court papers are pretty lengthy.

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Yara Assad

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i applied for my son last yr when i turned 65, they made me come in for him even tho i did mine online. bring birth certificate, custody papers, both social security cards & ur ID. also be ready to answer questions about any other income the child gets like child support etc

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This is really helpful! She doesn't receive any other income, but I'll definitely bring all those documents. Did they process your son's application the same day or did it take multiple visits?

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Olivia Clark

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Just went through this exact situation with my grandson last year. Here's what you need to know: 1. Yes, you can apply for YOUR benefits online (and should - it's much easier) 2. For your granddaughter, you MUST contact SSA directly - either by phone or in person 3. They'll need: birth certificate, custody documents, both SSN cards, your ID, and any info about other benefits she might receive The good news is they can often start the process by phone and then you may only need one in-person visit. When you call, specifically ask if they can begin the application over the phone to minimize office visits.

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Is this true even if the grandparent has legal adoption? My sister adopted her grandson and I think she did everything online?

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Oh the SSA and their RIDICULOUS procedures!!! I went through this nightmare last year with my disabled nephew. Applied online for myself - EASY. But for him? IMPOSSIBLE. Called for WEEKS trying to get an appointment. When I finally got through they said I NEEDED to come in person. Drove 50 miles, waited 3 HOURS only to be told I was missing ONE document and had to come back!!!!! The whole system is DESIGNED to make you give up!!!

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Sorry that happened to you. The system isn't perfect but they do need to verify things carefully for children. My experience wasn't nearly that bad.

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@profile8 Maybe YOU got lucky but EVERYONE I know has horror stories. My sister even had them LOSE her paperwork TWICE and had to restart the whole process. All I'm saying is be PREPARED for multiple visits and ENDLESS frustration.

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Amina Diallo

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If you're having trouble reaching someone at Social Security to start this process or schedule an appointment, I highly recommend Claimyr (claimyr.com). I was in a similar situation with applying for benefits for my nephew, and after days of busy signals and disconnections, I tried their service. They got me connected to a live SSA agent in about 20 minutes instead of waiting for hours or days. You can see how it works in their video demo: https://youtu.be/Z-BRbJw3puU The agent was able to start the application process over the phone and told me exactly what documents I needed to bring for my one required in-person visit, which saved me from making multiple trips.

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Thank you for this suggestion! I'll definitely check out that service. If I can at least get the process started by phone and know exactly what to bring for just one visit, that would be so much better than multiple 80-mile trips.

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my friend tried to do this last year and the SSA told her wrong information THREE TIMES! make sure you double check everything they tell you

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Olivia Clark

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This is good advice. Always ask for the specific regulation or policy they're citing if something doesn't sound right. The representatives are generally trying their best, but there are so many complex rules that sometimes they make mistakes. I always request written confirmation of anything important.

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Quick question - is your granddaughter receiving any survivor benefits from her parents? That would affect how this all works.

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No, she's not receiving any survivor benefits. Her parents are both alive but terminated their rights years ago. I have full legal custody through the courts.

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Thanks for clarifying. That makes your situation more straightforward. She should be eligible for child's benefits on your record once you start receiving retirement benefits. The benefit could be up to 50% of your full retirement amount, though there are family maximum considerations.

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Paolo Bianchi

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One more important point to consider - applying at age 62 means you'll receive permanently reduced benefits (about 30% less than if you waited until your Full Retirement Age). This reduction also affects what your granddaughter can receive, since her benefit is based on yours. Have you considered the long-term financial implications? Sometimes waiting even a year or two can make a substantial difference in lifetime benefits.

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That's a really good point. I've thought about it, but with raising her, our expenses are higher now than they'll be later. I've calculated that taking reduced benefits now will help more with immediate costs like after-school programs and activities. Once she's older, my expenses should decrease, offsetting the reduced benefit amount.

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Paolo Bianchi

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That makes perfect sense. Every situation is unique, and immediate needs often outweigh theoretical maximum benefits. Just wanted to make sure you'd considered it! Sounds like you've done your homework.

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Yara Assad

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u should also ask if ur granddaughter can get SSI too, sometimes kids can get both depending on the situation

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Olivia Clark

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This isn't quite accurate. SSI is for people with limited income and resources. If the child will be receiving benefits from the grandparent's record AND the household income/resources are above the SSI limits, the child wouldn't qualify for SSI. The two programs have different eligibility requirements. But it never hurts to ask!

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