Can my disabled adult daughter switch from SSDI to half of my retirement benefits?

Your daughter likely wouldn't be switching TO half of your retirement - but rather could potentially be eligible for additional benefits under the Childhood Disability Benefits (CDB), formerly called Disabled Adult Child benefits. This allows an adult disabled child to receive benefits on a parent's record if their disability began before age 22. The benefit amount would be up to 50% of your Primary Insurance Amount (PIA) while you're living, or up to 75% if she receives survivor benefits after your passing. However, this doesn't mean she would receive that full amount in addition to her current SSDI. She would receive the higher of either her own SSDI benefit OR the CDB benefit amount - not both. There's also the family maximum limit to consider, which caps total benefits paid on your record.

my brother get disabilty from when he was 19 and when my dad retired they did switch him to dads record and he got more $$ you should defintely call them and check it out!!! But the system is so broken it took like 5 months to fix it all up.

I was wondering about this same thing for my son!!! Did you find out if she qualifies? Does anyone know if they look at the parents income or assets for this? My son gets SSI not SSDI and I'm worried about messing up his benefits if I apply for the wrong thing.

You need to call SSA and specifically ask about "Child's Benefits for an Adult Disabled Before Age 22" (what they call CDB/DAC benefits). The important thing to understand here is that she wouldn't get her full SSDI PLUS half your benefit. Instead, SSA will calculate what she'd get on your record, and if it's higher than her current SSDI, she'll get the higher amount. Some key points: 1. Her disability must have started before age 22 2. She must be unmarried (with some exceptions) 3. The benefit is subject to the family maximum rule Based on the numbers you mentioned, if half your benefit would be more than $1,230, it's definitely worth applying. She could get a nice increase.

I spent THREE WEEKS trying to get through to SSA about a similar situation with my disabled son. Endless busy signals, disconnections, and hold times that went nowhere. I finally used a service called Claimyr (claimyr.com) that got me connected to an actual SSA representative in less than 25 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU Once I got through, the rep confirmed my son was eligible for benefits on my record and it increased his monthly amount by $275. Definitely worth checking out for your daughter!

BE CAREFUL!!!!! When my cousin tried to do something similar with her disabled daughter, SSA reviewed her daughter's entire case and decided she wasn't disabled enough anymore and TERMINATED all her benefits!!! It took 14 months and a lawyer to get them reinstated. The system is RIGGED to look for any excuse to deny benefits they already approved!!!!!

Just chiming in to say there's also something called the family maximum benefit that limits the total amount that can be paid on a single worker's record. Usually it's between 150-180% of the worker's full benefit. So depending on if there are other people getting benefits on your record (like a spouse), that could affect how much your daughter might receive.

The benefit you're referring to is called Childhood Disability Benefits (CDB). Here are the requirements: 1. Your daughter must have become disabled before age 22 2. She must be unmarried (with certain exceptions) 3. She must meet the definition of disability for adults 4. She must be at least 18 years old Since your daughter is already receiving SSDI on her own record, she meets the disability criteria. If she qualifies for CDB on your record, she'll receive the higher of either her own benefit or the CDB benefit (up to 50% of your Primary Insurance Amount) - not both. I recommend calling SSA at 1-800-772-1213 to discuss this specific situation and initiate an application if appropriate. They'll need to calculate whether this would increase her total benefit.