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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!

AstroAlpha

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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

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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

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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

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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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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

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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

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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

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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

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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

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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

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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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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

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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

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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

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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

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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

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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

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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

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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

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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

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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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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

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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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