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Can my children qualify for Social Security benefits when I'm on SSDI for cancer? Will it increase my payment?

I was recently approved for SSDI after my stage 3 lymphoma diagnosis (still in treatment). Been receiving benefits for about 2 months now. Yesterday I got this letter from Social Security saying I could apply for benefits for my three kids (ages 11, 7, and 4). I'm completely confused because none of my children have disabilities. What exactly does this mean? Are they eligible for something because I'm disabled? Would adding them change how much I receive monthly? I'm barely making ends meet with what I get now ($1,890/month), and every extra dollar would help with their school expenses and medical bills. Has anyone gone through this process with their kids? Any insight would be greatly appreciated.

ApolloJackson

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Yes! Your children are definitely eligible for auxiliary benefits on your record. Each child could receive up to 50% of your disability benefit amount. This isn't going to reduce your payment at all - it's additional money for your family. There's a family maximum limit (usually 150-180% of your benefit), so they might not each get the full 50%, but it's absolutely worth applying for. The SSA calls these "dependent benefits" or "auxiliary benefits."

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Grace Patel

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Wait, seriously? So my SSDI payment stays the same AND my kids could each get additional money? I had no idea this was even a thing. Do I need to go to the office in person to apply for them?

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Isabella Russo

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yep my kids got benefits when i went on disability. its not much but helps with groceries and stuff. they get checks till they graduate high school

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Rajiv Kumar

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Is it hard to apply for? I'm in a similar situation and worried about all that extra paperwork when I'm already dealing with treatments.

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Aria Washington

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To clarify what others have said: your children qualify for auxiliary benefits because YOU are disabled, not because they are. Each child can receive up to 50% of your Primary Insurance Amount (PIA), but there's something called the Family Maximum Benefit (FMB) that caps the total your family can receive. The FMB is typically between 150-180% of your benefit amount, so with three children, they'll likely each receive somewhat less than the full 50%. The good news is this doesn't affect your personal benefit amount at all - it's additional money specifically to help support your family while you're dealing with your health challenges. You should apply for them ASAP as there may be some retroactive benefits available. You'll need their birth certificates, Social Security numbers, and your bank information for direct deposit.

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Liam O'Reilly

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This is EXACTLY why I don't understand why the SSA doesn't just AUTOMATICALLY do this!!! They KNOW you have kids (you list dependents on your application) and they KNOW they qualify but they make you jump through MORE hoops when you're already sick!!! SO FRUSTRATING!!! I missed out on 8 months of payments for my daughter because I didn't know she qualified and nobody told me until a random conversation with another patient in my chemo group!!!

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Chloe Delgado

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If you're struggling to get through to the SSA to set this up, I recommend using Claimyr (claimyr.com). I was in a similar situation and spent weeks trying to reach someone. With Claimyr, I got a callback from SSA in under 20 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU. Honestly, when dealing with cancer treatments, the last thing you need is spending hours on hold. This was a lifesaver for getting my kids' benefits set up quickly.

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Grace Patel

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Thank you for this tip! I've been trying to call for 3 days now with no luck. I'm going to check this out because I really don't have the energy to keep calling between my treatments.

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Ava Harris

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My nephews get benefts from their mom being on disability. its been super helpful for my sister. but watch out cuz there are rules if your kids work when they get older or if you get income from somewhere else. my sister got in trouble for not reporting something and they made her pay back money!

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This is an important point. Once children turn 18, benefits typically continue only if they're still in high school (up to age 19 and 2 months). And yes, if you have substantial earnings while receiving SSDI, you need to report it promptly. The children's benefits are generally not affected by your earnings during a Trial Work Period, but it's crucial to stay transparent with SSA about any changes in your situation.

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Rajiv Kumar

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when I got on ssdi my son got backpay too from when I first applied is that normal? will your kids get money from when you first applied for your disability?

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ApolloJackson

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Yes, children can potentially receive backpay from the date you applied for their benefits (or potentially up to 6 months before that application date, but not before your established disability onset date). However, they won't automatically get backpay all the way to when you first applied for YOUR benefits unless you applied for their benefits at the same time. This is why it's important to apply for the children's benefits as soon as possible after receiving your own approval.

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do your kids live with you full time? my friend has 50/50 custody and her ex gets half the kids benefits check which seems unfair since hes not disabled

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Grace Patel

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Yes, they live with me full-time. Their father isn't in the picture at all. That's good to know though - I hadn't even considered custody issues affecting the benefits.

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One more thing to be aware of - if you're also receiving SSI (Supplemental Security Income) in addition to SSDI, the children's auxiliary benefits could potentially affect your SSI amount. This is because children's benefits might count as deemed income in certain situations. However, if you're only receiving SSDI and not SSI, then this isn't a concern.

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Grace Patel

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No, I'm only on SSDI, not SSI. My work history was solid enough that my SSDI payment is higher than the SSI limit. But that's still helpful info - this whole system is so complicated! I appreciate everyone helping me understand it better.

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