Can my SSDI daughter receive additional Social Security benefits for her teenage children?
My daughter has been receiving SSDI benefits for about 4 years now after developing severe rheumatoid arthritis that prevents her from working. She's raising two teenagers (14 and 16) on her own after her divorce, and honestly, they're struggling financially. Someone at her doctor's office mentioned that her kids might qualify for some kind of auxiliary benefits based on her disability record. Is this true? If so, how does she go about getting these benefits for her children? Would the benefits be substantial enough to make a difference? She's hesitant to contact SSA directly because last time she had to deal with them it took MONTHS to resolve a simple address change. Any advice would be appreciated!
17 comments
Emma Olsen
Yes! Your daughter's children absolutely can and SHOULD be receiving benefits! Children of disabled workers can receive up to 50% of the parent's disability benefit amount. Since they're both under 18, they definitely qualify. She needs to apply for them as soon as possible because there might be some back benefits available too, though they usually only go back 6 months from application date. To apply, she needs to call SSA at 1-800-772-1213 to schedule an appointment (good luck getting through) or visit her local office with the children's birth certificates, Social Security numbers, and her own info. She can also start the process online at ssa.gov but will still need to complete it with a representative.
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Christian Bierman
•Thank you so much! I had no idea the kids could get up to 50% of her benefit. That would make a huge difference for them. Do you know if there's a family maximum that might reduce what each person gets? Also, I'll pass along the documentation info - I'm sure she has all of that.
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Lucas Lindsey
my nephew get benefits from his dad's disability. its been really helpful for them. think they got like $650 a month for him but that was a few years ago
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Christian Bierman
•That's really helpful to know! Did they have to wait long after applying? My daughter is worried about getting her hopes up only to wait 6+ months for a decision.
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Sophie Duck
Your daughter is missing out on significant benefits! There's something called auxiliary benefits for dependents of SSDI recipients. Each child can receive up to 50% of the disabled parent's Primary Insurance Amount (PIA), though there is a Family Maximum Benefit (FMB) that typically caps the total at 150-180% of the disabled worker's benefit. The application process requires: - Form SSA-16 (for the children) - Birth certificates for both teens - Social Security numbers for everyone - Your daughter's banking information for direct deposits - Any custody documentation if relevant after the divorce There's a good chance she could receive some retroactive benefits, but generally only for up to 6 months back from the application date, so she should apply ASAP to avoid losing more potential back pay. Be aware that when the oldest turns 18, their benefits will end unless they're still in high school (benefits can continue until graduation or age 19 and 2 months, whichever comes first).
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Austin Leonard
•this happened to my sister too!!! the ssa never told her her kids could get benefits and she found out 3 YEARS later from some random facebook post. she was so mad about all the money they missed out on
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Anita George
Unfortunately, getting through to SSA to apply for these benefits is a complete NIGHTMARE these days. My brother tried for WEEKS to get through for his kid's benefits. Kept getting disconnected or waiting for hours only to have the office close. It's ridiculous how they treat disabled people who literally can't sit on hold all day because of their conditions!!!
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Abigail Spencer
•I had the same frustrating experience trying to reach SSA about my children's benefits. After weeks of failed attempts, I discovered a service called Claimyr that got me through to a live SSA agent in under 10 minutes. It was absolutely worth it for my sanity! They basically call SSA for you and connect you when they reach an agent. I was skeptical but their video demo at https://youtu.be/Z-BRbJw3puU shows exactly how it works. Saved me hours of hold time and my kids are now receiving their benefits. Just sharing since it sounds like your daughter really needs to get this application started without the additional stress.
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Logan Chiang
My sister has been receiving SSDI for about 5 years, and her two kids (ages 10 and 13) get auxiliary benefits. It was a game-changer for their family budget. However, I want to clarify something important: the Family Maximum Benefit will likely mean each child won't get the full 50% of your daughter's benefit amount. In my sister's case, her SSDI is around $2,200/month, but because of the family maximum, each child receives about $550/month (so roughly 25% each instead of 50%). Still significant money! Also, when they applied, they received about 4 months of back pay, which helped them catch up on some bills. Definitely worth applying right away!
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Christian Bierman
•Thanks for sharing your sister's experience. That's still a significant amount that would help my daughter tremendously. Do you know how long the process took from application to actually receiving benefits? My daughter is worried about getting her hopes up only to wait many months.
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Lucas Lindsey
is this the same as SSI? my friends kid gets SSI payments but thats cuz the kid has disabilities not the parent
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Sophie Duck
•No, this is different. SSI (Supplemental Security Income) is a needs-based program for people with limited income and resources who are disabled, blind, or 65+. What we're discussing here are auxiliary benefits under SSDI (Social Security Disability Insurance), which is based on work credits. When someone qualifies for SSDI based on their work history, their dependent children under 18 can receive additional benefits on that record. In your friend's case, the child qualifies for SSI based on their own disability. In OP's daughter's case, the children would qualify for benefits based on their mother's SSDI record, regardless of whether the children themselves have disabilities.
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Austin Leonard
tell her to go to the office IN PERSON!!! do NOT rely on the phone. my daughter wasted 6 months trying to call about her sons benefits on her disability. we finally just went to the local office and waited all morning but at least got it done in one day!!!
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Christian Bierman
•Good advice. My daughter's mobility issues make waiting at an office difficult, but maybe I can go with her to help. Did your daughter have to bring the kids to the office too, or just their documents?
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Austin Leonard
•just the documents was fine. birth certificates and social security cards. and her photo id. but call first to check if your office requires appointments now cause some do since covid
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Emma Olsen
Just to add a bit more info since there are some good questions here: 1. Regarding the Family Maximum Benefit that several people mentioned - yes, there is a cap that's generally 150-180% of the disabled parent's benefit. With two children, they might each get somewhat less than 50%, but it's still significant. 2. Timeline: Once she applies, it typically takes 1-3 months for auxiliary benefits to be approved (much faster than disability applications). Back benefits are limited to 6 months from application date. 3. The older child's benefits will stop at age 18 unless they're still in high school, in which case benefits can continue until graduation or age 19 and 2 months, whichever comes first. 4. Application process: If your daughter has mobility issues, she can: - Start the application online at ssa.gov - Call for a phone appointment - Request an in-person appointment - In some cases, request an accommodation if visiting the office is difficult Make sure she doesn't delay - every month she waits is potentially lost back benefits!
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Christian Bierman
•Thank you so much for this detailed information! I'm going to help her start the online application this weekend. We'll gather all the documents mentioned. It's good to know about the continuation for her oldest since he is still in high school. This could really make a difference for their family.
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