Can my disabled brother get higher SS benefits now that our father died? Currently on SSDI+SSI
My brother has been receiving disability benefits his whole adult life (he's 42 now). He currently gets about $825/month in SSDI and around $240 in SSI. Our father just passed away last month at 78. Dad worked his whole life and had been collecting Social Security retirement since he was 66. I'm wondering if my brother is eligible for any kind of increase to his benefits as a disabled adult child now that Dad is gone? I've heard something about disabled children being able to collect on their parents' records, but I'm not sure if that applies since my brother is an adult. Has anyone navigated this situation before? Any advice would be greatly appreciated!
39 comments


AstroAlpha
Yes, your brother might qualify for what's called Disabled Adult Child (DAC) benefits, also known as Childhood Disability Benefits (CDB). This allows adults who became disabled before age 22 to collect benefits on a parent's work record when that parent dies, retires, or becomes disabled. Since your brother was apparently already receiving some SSDI, he must have worked some in his life, but the benefit amount could potentially increase based on your father's earnings record. He should contact SSA immediately as there may be time limits for filing. Also, getting higher SSDI might reduce the SSI amount, but the total should be more overall.
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Chloe Davis
•Thank you so much for this information! I didn't know there was a specific name for these benefits. Do you know if we need to bring anything special to the SSA appointment? We have Dad's death certificate and my brother's disability paperwork. And do we need to file a new application or just request a recalculation?
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Diego Chavez
sry about ur dad. my cousin got more $ when his mom died so yeah its a thing. they call it something weird like adult disabled child benefits even tho that sounds backwards lol. but he had to go to the office and wait FOREVER. like all day. bring snacks!
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Chloe Davis
•Thanks for the condolences and the tip about the wait times. Did your cousin's SSI get reduced when his SSDI went up? I'm wondering if it's going to be a wash or if my brother will actually see more money each month.
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Anastasia Smirnova
I went through EXACTLY this with my sister when our father passed. You absolutely need to apply for the Childhood Disability Benefits for your brother. His benefit amount will be based on your dad's earnings record - up to 75% of what your dad's full retirement benefit was. BUT BE WARNED - the SSA lost our paperwork TWICE and we had to start over. It took almost 8 MONTHS to finally get it approved!!! And yes, when her SSDI increased, her SSI decreased, but overall she gets about $435 more per month now. MAKE SURE you keep copies of EVERYTHING you submit to them!!!
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Chloe Davis
•Oh wow, thank you for sharing your experience. I'm sorry you had to go through all that hassle! I'll definitely make copies of everything. Do you remember what forms you had to fill out specifically? And did you have to provide your dad's earnings history or did SSA already have that information?
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Sean O'Brien
Your brother probably qualifies for higher benefits as a Disabled Adult Child (DAC). Those are benefits paid to adults who became disabled before age 22 and can now collect on a parent's work record. He needs to contact SSA right away though - there's a time limit for filing (I think 6 months from death) to get all retroactive benefits. The good news is DAC benefits are usually higher than what he's getting now. The bad news is dealing with SSA will be frustrating!
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Zara Shah
•Wait, the benefits are only available if he was disabled before age 22? What if someone becomes disabled at like 30? Seems unfair that they wouldn't get the same benefits when a parent dies. The whole system is rigged against people who got sick later in life. My cousin can't get anything from his dad's record because he got MS at 29. Totally unfair!
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Chloe Davis
•Thank you for mentioning the time limit - I had no idea! I'll make sure we contact them right away. Do you know if we need to schedule an appointment or can we just walk in to the local office?
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Luca Bianchi
My neighbor got more money when her dad died too. She said they had to fill out form SSA-4-BIC? I think that's what it's called. She got backpay too!
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Chloe Davis
•Thanks for the form number! That's really helpful. I'll make sure we ask for that specific form when we go in.
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GalacticGuardian
I work with disabled clients and can confirm your brother likely qualifies for Childhood Disability Benefits (CDB) on your father's record. Here's what you need to know: 1. He must have become disabled before age 22 2. He must be unmarried (unless married to another beneficiary) 3. He'll need to file application SSA-4-BIC specifically 4. The benefit will be 75% of your father's Primary Insurance Amount (PIA) 5. There's a 6-month filing window to get maximum retroactive benefits Also important: When his SSDI increases, his SSI will likely decrease dollar-for-dollar, BUT he'll still come out ahead because the SSDI increase should be more than his current SSI amount. Plus, SSDI doesn't have the same strict resource limits as SSI.
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Chloe Davis
•This is extremely helpful, thank you! My brother has never been married and his disability began at birth, so it sounds like he meets the basic requirements. One follow-up question - will this affect his Medicaid eligibility at all? He depends on that for his healthcare.
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Zara Shah
THE SSA WILL MAKE YOU JUMP THROUGH HOOPS FOR THIS!!! My brother should have gotten benefits when our mom died and they kept saying he wasn't eligible then FINALLY after we got a lawyer they admitted he was!! We had to fight for YEARS and only got backpay for 1 year even though mom died in 2019!!! The system is BROKEN!!! Don't let them tell you no the first time!!!
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Chloe Davis
•Oh no, that sounds awful! I'm sorry you had to go through all that. Did you eventually need to hire a lawyer to get it resolved? I'm hoping we won't have to go that route.
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Luca Bianchi
my aunt tried to get this for my cousin but they said he made too much money from a part time job he had like 10 years ago? makes no sense. good luck with your brother tho!
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Diego Chavez
Call them like a million times and you'll never get thru lol. i spent 4 hours on hold last week
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Nia Harris
•I had the same experience trying to call SSA last month. After trying for two weeks and getting disconnected every time, I found this service called Claimyr (claimyr.com) that got me connected to a real person at Social Security in under 20 minutes! They have a video showing how it works: https://youtu.be/Z-BRbJw3puU - seriously saved me hours of frustration when I was trying to sort out my mom's survivor benefits. Worth checking out instead of dealing with those endless hold times.
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Chloe Davis
•Thanks for the tip! The hold times are definitely frustrating. I think we'll try to make an in-person appointment if possible, but that service sounds useful if we need to call instead.
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AstroAlpha
One more important point: When your brother starts receiving the higher benefit amount on your father's record, his benefit status will change from SSDI to Disabled Adult Child (DAC) benefits. This is important because DAC benefits have different rules than regular SSDI. For example, if your brother ever gets married, he could lose the DAC benefits unless he marries someone who is also receiving certain types of Social Security benefits. Also, make sure to bring your brother's birth certificate, your father's death certificate, and proof of your brother's disability to the SSA appointment.
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Chloe Davis
•Thank you for this additional information! I had no idea that getting married could affect his benefits. Fortunately, marriage isn't likely for my brother given his severe cognitive disabilities, but it's still important to understand all the rules. We'll make sure to bring all those documents to the appointment.
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Anastasia Smirnova
UPDATE: I just spoke with my brother and he says you should also request the benefit verification letter from SSA once everything is processed. It took us another 2 months after approval to get all the payment amounts sorted out correctly. The letter will show exactly how much SSDI and SSI he qualifies for. If the math doesn't add up right (which happened to us), you'll have documentation to help get it fixed. Also, have your brother's current benefit verification letter with you when you go in so you can compare the old and new amounts.
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Chloe Davis
•Thank you so much for following up with this advice! I'll definitely request the benefit verification letter and bring his current one to the appointment. I really appreciate everyone's help here - I feel much more prepared to navigate this process now.
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Payton Black
I'm so sorry for your loss. I'm a newcomer here but wanted to share that I went through something similar with my disabled sister when our mom passed. The advice about Disabled Adult Child (DAC) benefits is spot on - your brother should definitely be eligible if he became disabled before age 22. One thing I'd add is to ask SSA about potentially backdating the benefits to your father's date of death. When we applied for my sister, they were able to backdate hers which resulted in a nice lump sum payment. Also, don't be discouraged if the first person you talk to seems confused about DAC benefits - not all SSA employees are familiar with them. Ask to speak with someone who specializes in survivor benefits if needed. The whole process took about 4 months for us, but my sister's monthly income increased by about $400 overall even after her SSI was reduced. Good luck!
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Liam O'Sullivan
•Thank you so much for sharing your experience and for the condolences. It's really helpful to hear from someone who has been through this exact situation! The tip about asking for backdating is something I hadn't thought of - that could really make a difference. And you're absolutely right about potentially needing to speak with someone who specializes in survivor benefits. I'm writing down all these suggestions so I don't forget anything when we go to the SSA office. It's reassuring to know that your sister saw an overall increase of $400 per month even after the SSI reduction. That gives me hope that this will genuinely help my brother's financial situation.
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Benjamin Johnson
I'm new to this community but wanted to offer my condolences on your father's passing. I actually work as a benefits counselor and can confirm that your brother should definitely qualify for Disabled Adult Child (DAC) benefits based on what you've described. Since he's already receiving SSDI, he clearly became disabled before age 22, which is the key requirement. A few practical tips from my experience helping families through this process: 1) Make your SSA appointment as soon as possible - don't just walk in, as wait times can be brutal, 2) Bring multiple copies of everything (death certificate, birth certificate, current benefit letters), 3) Ask specifically for form SSA-4-BIC when you go in, and 4) Request that they calculate both scenarios (his current benefits vs. the new DAC amount) so you can see the exact difference. The good news is that even though his SSI will likely decrease when his SSDI increases, the net result should be significantly more money each month. Hope this helps!
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Julia Hall
•Thank you so much for the condolences and for sharing your professional expertise! As someone new to this community, I really appreciate getting advice from a benefits counselor who has actually helped families through this process. Your tip about scheduling an appointment rather than walking in is especially helpful - I was planning to just show up, but I'll call ahead instead. The suggestion to ask them to calculate both scenarios is brilliant - that way we'll know exactly what to expect before making any decisions. It's reassuring to hear from a professional that this should result in more money overall for my brother. I'm feeling much more confident about navigating this process now thanks to everyone's advice here!
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Abigail Patel
I'm new to this community and wanted to express my condolences for your father's passing. I went through a very similar situation with my disabled son when my husband passed away two years ago. Your brother should definitely be eligible for Disabled Adult Child benefits - the fact that he's already receiving SSDI means he meets the "disabled before age 22" requirement. One thing I learned that hasn't been mentioned yet is to ask SSA about getting a "protective filing date" when you first contact them, even if you don't have all your paperwork ready. This can help preserve your brother's right to backdated benefits while you gather everything together. Also, keep detailed records of every interaction with SSA - dates, times, who you spoke with, and what was discussed. This saved me when there were discrepancies later in the process. The whole thing took about 5 months for us, but my son's monthly income increased by nearly $500 after everything was sorted out. Wishing you and your brother the best of luck with this!
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Christopher Morgan
•Thank you for the condolences and for sharing your experience! I'm also new to this community and really appreciate all the detailed advice from everyone who has been through this process. The tip about getting a "protective filing date" is something I hadn't heard before - that sounds really important to preserve the backdating option while we get organized. I'll definitely ask about that when I first contact SSA. Keeping detailed records of all interactions is great advice too - I can see how that would be crucial if there are any issues later. It's encouraging to hear that your son saw such a significant increase in his monthly income. This whole situation has been overwhelming since Dad passed, but reading everyone's experiences here is giving me hope that we can navigate this successfully. Thank you again for taking the time to help!
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Isabella Santos
I'm new to this community and wanted to first express my sincere condolences on your father's passing. Having recently joined, I've been reading through all the responses here and I'm impressed by how helpful everyone has been with their experiences and advice about Disabled Adult Child benefits. As a newcomer who hasn't dealt with SSA much before, I wanted to ask - when you do go to your appointment, should you bring a family member or advocate with you? I'm wondering if having someone else there to help ask questions and take notes might be beneficial, especially given how complex this all seems and how easy it is for important details to get missed or forgotten during what can be an overwhelming process. Also, has anyone had experience with appealing if SSA initially denies the DAC application? I noticed one commenter mentioned they had to fight for years - I'm hoping that's not typical, but it would be good to know what options exist if things don't go smoothly the first time around. Thank you to everyone who has shared their experiences here - this community seems like such a valuable resource for people navigating these complicated benefit issues!
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Diego Fernández
•Welcome to the community, Isabella! Those are really thoughtful questions. From what I've been reading through everyone's experiences here, bringing someone with you to the SSA appointment seems like a smart idea - there's so much information to process and it would be helpful to have another set of ears and someone to help take notes. I'm planning to go with my brother to his appointment for exactly that reason. As for appeals, it sounds like while some people have had to fight (like Zara mentioned with her brother's situation), others have had smoother experiences. I think the key seems to be being persistent and not taking "no" for an answer if you know your loved one qualifies. Several people mentioned that not all SSA employees are familiar with DAC benefits, so asking for someone who specializes in survivor benefits might help avoid initial denials. I'm also new to navigating all of this since my father just passed, but this community has been incredibly helpful! It's reassuring to see how people look out for each other and share their real experiences - both the good and the challenging parts of dealing with SSA.
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Keisha Johnson
I'm new to this community and wanted to first offer my condolences on your father's passing. I recently joined after my own family started dealing with Social Security issues, and I'm amazed by how supportive and knowledgeable everyone here is. I don't have personal experience with DAC benefits yet, but reading through all these responses has been incredibly educational. It sounds like your brother has a strong case for getting increased benefits, especially since he's already receiving SSDI which confirms the "disabled before age 22" requirement. One thing I noticed from everyone's experiences is how important it seems to be prepared and persistent. Between the potential for lost paperwork, long wait times, and varying levels of knowledge among SSA staff, it really sounds like going in organized and advocating strongly for your brother will be key. I'm bookmarking this thread because the advice here is so comprehensive - from specific form numbers to practical tips about bringing snacks for long waits. Thank you to everyone who shared their experiences, and I hope your brother's case goes smoothly! Please keep us updated on how it goes.
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Tate Jensen
•Welcome to the community, Keisha! I'm also new here and have been following this thread closely since my own family is dealing with similar Social Security issues. You're absolutely right about how supportive and knowledgeable everyone has been - it's been such a relief to find real people sharing their actual experiences rather than trying to decipher government websites alone. I completely agree about the importance of being prepared and persistent. Reading through everyone's stories, it's clear that while some people have smooth experiences, others face significant challenges with lost paperwork, unhelpful staff, or long delays. Having all the documentation ready, knowing the specific forms to ask for (like that SSA-4-BIC form several people mentioned), and being prepared to advocate strongly seems crucial. I'm also bookmarking this thread - there's so much practical wisdom here that you just can't find in official resources. Things like bringing snacks for long waits, making copies of everything, asking for protective filing dates, and requesting specialists in survivor benefits are the kind of real-world tips that can make all the difference. Thanks for adding your voice to this conversation, and I hope your family's Social Security issues get resolved smoothly too!
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Malik Johnson
I'm new to this community and wanted to first express my deepest condolences on your father's passing. I joined recently after my own family began navigating Social Security issues, and I'm truly impressed by the wealth of knowledge and support shared here. While I don't have direct experience with DAC benefits myself, I've been following this thread closely and wanted to add one small piece of advice based on what I learned when helping my elderly neighbor with her SSA issues last year: consider calling ahead to confirm what documents they'll need before your appointment. Even though everyone has given excellent suggestions about what to bring (death certificate, birth certificate, current benefit letters, etc.), different offices sometimes have slightly different requirements or may ask for additional documentation. Also, if possible, try to schedule your appointment for earlier in the day. My neighbor found that SSA staff seemed more patient and thorough in the mornings compared to later appointments when they were dealing with the accumulated stress of the day. The collective wisdom in this thread about being persistent, keeping detailed records, and asking for specialists is invaluable. Wishing you and your brother the very best outcome with this process - please do update us on how everything goes!
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Samantha Howard
•Welcome to the community, Malik! Thank you for the condolences and for adding such practical advice to this thread. As another newcomer here, I really appreciate your suggestion about calling ahead to confirm document requirements - that's such a smart way to avoid potential delays or having to make multiple trips to the SSA office. Your tip about scheduling morning appointments is brilliant too. I hadn't thought about how the time of day might affect the quality of service, but that makes perfect sense. SSA staff are probably fresher and more patient earlier in the day before dealing with hours of complex cases and frustrated people. I'm also new to navigating the Social Security system, and like many others here, I've been amazed by how much valuable real-world advice this community provides. The combination of people sharing their personal experiences along with practical tips like yours creates such a comprehensive resource that you just can't find anywhere else. Thank you for taking the time to share your insights, even though you haven't dealt with DAC benefits specifically. Sometimes the most helpful advice comes from those general SSA navigation tips that apply across different types of cases!
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Millie Long
I'm new to this community and wanted to first offer my heartfelt condolences on your father's passing. I recently joined after my own family started dealing with Social Security complications, and I've been really impressed by how supportive everyone here has been. Reading through all the responses, it's clear your brother has a strong case for DAC benefits. One thing I wanted to add that I learned from helping a friend navigate SSA issues is to consider bringing a simple notebook to jot down names and employee ID numbers of everyone you speak with at SSA. My friend found this incredibly helpful when she had to follow up later - she could reference specific conversations and the staff seemed to take her more seriously when she had detailed records. Also, if your brother has any current medical documentation that shows his disability onset date, it might be worth bringing that along too. While he's already receiving SSDI so the "disabled before 22" requirement should be clear, having backup documentation never hurts when dealing with government agencies. The advice everyone has shared here about persistence, preparation, and not taking no for an answer is spot on. Best of luck with this process, and please keep us updated on how it goes! This community clearly cares about helping each other through these challenging situations.
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Marina Hendrix
•Welcome to the community, Millie! Thank you for the condolences and for adding such thoughtful advice. As someone who is also new to this community and dealing with Social Security issues for the first time, I really appreciate your suggestion about bringing a notebook to record names and employee ID numbers. That's such a practical tip that I wouldn't have thought of, but it makes complete sense - having that level of detail would definitely help with follow-ups and probably does make staff take you more seriously. Your point about bringing medical documentation showing the disability onset date is really smart too. Even though my brother is already receiving SSDI, having that extra backup documentation could help speed things along or prevent any potential confusion about when his disability began. I've been taking notes throughout this entire thread because there's so much valuable advice here, and your suggestions are definitely going on my list. It's amazing how this community has provided such a comprehensive guide to navigating what seemed like an overwhelming process when I first posted. Everyone has been so generous with sharing their experiences and practical tips. Thank you for taking the time to help, and I'll definitely keep everyone updated on how our appointment goes!
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Mason Kaczka
I'm new to this community and wanted to first express my sincere condolences on your father's passing. I recently joined after my own family started dealing with Social Security issues, and I've been following this thread with great interest as we're navigating similar challenges. While I don't have personal experience with DAC benefits yet, I wanted to share something I learned when helping my aunt with her SSA paperwork last month. She found it really helpful to create a simple checklist of everything she needed to accomplish during her appointment - not just what documents to bring, but also what questions to ask and what forms to request. This helped her stay focused during what turned out to be a pretty overwhelming meeting with multiple interruptions and distractions. Based on all the excellent advice shared here, it sounds like your checklist might include things like: requesting form SSA-4-BIC, asking for a protective filing date, requesting benefit calculations for both scenarios, asking about backdating to your father's date of death, and making sure to speak with someone who specializes in survivor benefits if the first person seems unfamiliar with DAC benefits. The wealth of knowledge and support in this community is truly remarkable. Everyone who has shared their experiences - both positive and challenging - has created such a valuable resource. Wishing you and your brother all the best as you navigate this process!
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Nia Williams
•Welcome to the community, Mason! Thank you for the condolences and for sharing such practical advice. As someone who is also new here and still learning how to navigate the Social Security system, your suggestion about creating a checklist is absolutely brilliant. I can definitely see how an appointment like this could become overwhelming with all the information being discussed, and having a written list would help ensure nothing important gets missed. Your suggested checklist items based on everyone's advice here are really comprehensive - requesting form SSA-4-BIC, asking for protective filing date, getting benefit calculations for both scenarios, asking about backdating, and making sure to speak with a survivor benefits specialist. I'm going to write all of these down and add them to my own preparation list. It's amazing how this community has collectively created such a detailed roadmap for this process. When I first posted, I was feeling pretty lost and overwhelmed about how to help my brother, but now I feel like we have a solid plan and know exactly what to expect. Everyone has been so generous with sharing their real experiences and practical wisdom. I really appreciate you taking the time to add to this conversation, and I hope your family's Social Security issues get resolved smoothly as well. This community is truly a valuable resource for people dealing with these complex situations!
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