Can my son with dyslexia qualify for Social Security benefits before we reach retirement age?
My teenager was diagnosed with dyslexia about 3 years ago. He's actually doing pretty well in school (mostly A/B Honor Roll) and is very motivated, but someone recently suggested he might qualify for some type of Social Security benefits because of his learning disability. Both my husband and I are in our late 40s, so neither of us are receiving Social Security retirement benefits yet. Is there any way he could qualify for benefits now based on his dyslexia? Or would he only potentially qualify once we start receiving our retirement benefits (assuming he's still in school at that point)? I honestly don't know much about how these disability benefits work for dependents with learning disabilities. Any insight would be appreciated!
17 comments
Ben Cooper
This is a common misconception. Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) have very strict criteria for disability. Dyslexia alone typically does not qualify as a disability for Social Security purposes unless it's extremely severe and prevents substantial gainful activity. Since your son is performing well academically (A/B Honor Roll), he would not meet the disability criteria. There are two programs to be aware of: 1. SSI for children with disabilities (family income limits apply) 2. SSDI dependent benefits for children of disabled or retired workers For the second option, your son would only potentially qualify for benefits as a dependent once you or your husband begin receiving Social Security retirement benefits (and only until he turns 18, or 19 if still in high school).
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Khalid Howes
•Thank you for explaining this so clearly! That makes sense about the strict disability criteria. I didn't think dyslexia would qualify him, but wanted to make sure I wasn't missing something. Good to know about the potential dependent benefits once we reach retirement age, though he'll likely be done with school by then anyway.
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Naila Gordon
my kid has severe ADHD and dyslexia and we tried applying for SSI but got denied right away. they said learning disabilites aren't enough by themselves, kid has to be basically unable to function at all. waste of time tbh
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Cynthia Love
•Same exact experience with my nephew. The SSA has a really narrow view of what counts as a disability for kids. It's pretty much only for severe cases where the child can barely function in daily life. The Blue Book disability listing is super strict.
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Darren Brooks
I work with families navigating SSA benefits, and I can confirm what others have said. For childhood SSI disability claims, the condition must severely limit the child's activities and has to have lasted (or be expected to last) at least 12 months. Academic success like your son's would definitely prevent qualification. Regarding your question about future benefits: Yes, once you or your husband start collecting Social Security retirement, your son could receive dependent benefits until age 18 (or 19 if still in high school). However, this has nothing to do with dyslexia - any child of a Social Security beneficiary qualifies for these dependent benefits regardless of disability status.
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Rosie Harper
•Just to add a bit more detail - those dependent benefits when a parent receives Social Security can be up to 50% of the parent's primary insurance amount. But there's a family maximum that applies if multiple dependents are collecting on one worker's record. And as mentioned, this has nothing to do with the child having dyslexia or any other condition.
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Elliott luviBorBatman
not related to ur question but i think its amazing ur supporting ur son and not letting the dyslexia diagnosis become an excuse!! my brother has dyslexia to and my parents were super strict about him still trying his best, now hes in college doing great
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Khalid Howes
•Thank you! We've definitely tried to help him develop strategies to work around the challenges while still holding high expectations. He uses some assistive technology for reading, but otherwise just works really hard. It's great to hear about your brother's success in college!
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Cynthia Love
Have you looked into getting a 504 plan or IEP through his school? That's usually more helpful than trying for SS benefits. My daughter has dyslexia and the accommodations through school have made a huge difference - things like extra time for tests, text-to-speech software, etc.
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Khalid Howes
•Yes! He has an IEP and gets accommodations like extra time, audiobooks for some subjects, and assistive technology. That's been much more practical than any kind of financial benefits. It's made a big difference in his confidence too.
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Demi Hall
I spent WEEKS trying to get through to SSA when I was helping my sister apply for benefits for her son who has severe autism. The phone lines were always busy, and when I did get through, I was on hold for hours only to get disconnected. I finally used this service called Claimyr (claimyr.com) that got me connected to an actual SSA representative in under 20 minutes. They have a video showing how it works here: https://youtu.be/Z-BRbJw3puU They basically hold your place in line and call you when an agent is about to pick up. Saved me so much frustration! Might be helpful if you do decide you want to speak directly with SSA about your situation.
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Elliott luviBorBatman
•omg i needed this like 2 months ago!! bookmarking for next time i have to deal with them
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Khalid Howes
•That's good to know! I might just call SSA directly to confirm everything I've learned here. I appreciate the tip about Claimyr - those wait times are notorious.
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Darren Brooks
One more thing to consider - if your son's dyslexia is accompanied by other conditions that together substantially limit his ability to work/function, then an SSI application might be worth considering. But based on what you've described (A/B Honor Roll, motivated student), it doesn't sound like he would qualify. The SSA is looking for conditions that prevent substantial gainful activity, which academic success generally contradicts.
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Naila Gordon
•yep the SSA basically wants to see that the kid can barely function in daily life before they'll approve anything. my sons doctor told me not to even bother applying.
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Rosie Harper
Since your son is doing well academically, I'd recommend focusing on college preparation rather than Social Security benefits. Many colleges have excellent support services for students with dyslexia, and there are scholarships specifically for students with learning disabilities. Organizations like the National Center for Learning Disabilities and the Learning Disabilities Association of America have resources that might be more relevant to your situation than Social Security.
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Khalid Howes
•That's excellent advice - thank you! He's definitely college-bound, and I hadn't thought about looking into specific scholarships for students with learning disabilities. I'll check out both of those organizations. Much more productive direction than pursuing benefits he wouldn't qualify for anyway.
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