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Child benefits after high school graduation - SSA says my daughter eligible for additional SS benefits with form 1372?

I'm completely puzzled by a recent call from Social Security. My daughter received child's benefits on my husband's record (he did file and suspend when he hit 65). Her benefits ended June 2023 after she graduated high school - all normal and expected. Now here's where I'm confused. I just started collecting my own Social Security in March 2024 (took the 6-month retroactive lump sum option). Out of nowhere, SSA contacted me saying my daughter might be entitled to additional benefits based on MY record now. When I called them back, they said we need to submit Form 1372, which requires her high school to certify her attendance. But she's been OUT of high school for almost a year now! She graduated! How can she possibly need school attendance verification? I'm torn between just ignoring this (they reached out to me, not the other way around) and potentially leaving money on the table. But seriously - why would she qualify for additional payments for a period AFTER she already graduated high school? The whole thing sounds fishy but it was actually SSA who contacted me. Has anyone dealt with this kind of situation before? Is this some weird rule I don't understand or just a mistake on SSA's part?

Amara Eze

This actually makes perfect sense once you understand how child's benefits work across different parental records. When your daughter was receiving benefits on your husband's record, those ended at graduation as expected. But when YOU filed with 6 months retroactive benefits, that creates a NEW potential entitlement for your daughter that partially overlaps with her final months of high school. The Form 1372 is needed because they need to verify she was actually attending school during those retroactive months that your benefits now cover (likely January-June 2023). Since your retroactive benefits go back 6 months from March 2024, that would be around September 2023, which overlaps with some of her school attendance. You should definitely pursue this! She's entitled to those additional funds based on your earnings record for the period where your retroactive benefits overlap with her school attendance.

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Thank you for explaining! So just to be clear - even though she already received benefits on my husband's record during those same months, she can ALSO get additional benefits based on my record for the same period? That seems like double-dipping, but I guess if that's how the rules work...

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Wait I'm confused. If the daughter already got benefits from the husband's record for the same time period, how can she get MORE benefits for the same months??? That doesn't make any sense to me. My kids only got benefits from one parent (me) and SSA never mentioned anything about my husband's record too. Something sounds wrong here.

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Amara Eze

She won't get full duplicate benefits. What happens is the child is entitled to the higher of the two benefit amounts. So if mom's record would generate a higher benefit amount than dad's did, the daughter would receive the difference between the two. It's not double-dipping - it's making sure the child gets the highest benefit they're entitled to.

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my daughter went through this exact thing!!! except it was me who filed and my husband who had been collecting. you absolutely should pursue this!! they actually owed my daughter almost $2400 in back payments for the difference between what she got on my husband's record vs what she would have gotten on mine (mine was higher). don't leave that money on the table!!

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Wow, $2400 is definitely worth the hassle! But did you have to get the school to fill out that form? That's the part I'm stuck on since she's not there anymore.

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Call the high school admin office. They deal with these forms ALL THE TIME for former students. Trust me, you're not the first person to need a Form 1372 after graduation. Just explain the situation and they'll know exactly what to do. Most schools keep these records electronically now anyway.

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I just want to add that I've been through EXACTLY this hassle with SSA. Calling them directly is a nightmare - I wasted 3 days trying and either got disconnected or was on hold for 3+ hours. I finally used this service called Claimyr (claimyr.com) that got me through to an agent in under 15 minutes. They have a video demo of how it works at https://youtu.be/Z-BRbJw3puU - total lifesaver when dealing with complex benefit questions like this that you need to talk to an actual human about.

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I was about to suggest this too! I used Claimyr last month when I had a similar paperwork nightmare with my kids' benefits. Got through right away instead of waiting on hold for half the day. With something this specific, you really need to talk to a specialist at SSA who understands child's benefits across multiple records.

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This is actually a textbook example of what's called the "Child's Insurance Benefit differential payment." When a child is eligible for benefits on more than one parent's record, they receive the higher of the two potential benefit amounts. In your case, your retroactive filing created a new comparison period. Here's what's happening: 1. Your daughter received X amount monthly on your husband's record 2. Your record might have entitled her to Y amount monthly 3. If Y > X, she's eligible for the difference (Y-X) for each month where both entitlements overlap The Form 1372 is absolutely required because they need to verify full-time school attendance for any months after age 18 but before graduation. Even if she already submitted this for your husband's record, they need it again for your record because it's technically a separate benefit calculation. Definitely contact her high school - they maintain these records for years and have procedures for completing this paperwork for graduated students.

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Thank you for breaking it down so clearly! This makes much more sense now. I'll reach out to her school tomorrow to see about getting that form completed.

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THIS IS WHY I HATE DEALING WITH SSA!!! Nobody ever explains these weird rules until AFTER the fact. How are regular people supposed to know all these complicated policies?? And then they make you jump through a million paperwork hoops to get what you're entitled to. SO FRUSTRATING!!!

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ikr?? the whole system is designed to be confusing. i'm convinced they hope people just give up rather than claim benefits they're actually entitled to!

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Update: I called my daughter's high school and they were super helpful! Turns out they get these requests all the time. I just need to bring the form to the main office with her student ID number, and they'll complete it on the spot. Going to do that tomorrow and then submit it to SSA. Thank you all for convincing me to follow through with this. Will post another update when I find out how much additional benefit she's entitled to!

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Great news! Just make sure you keep a copy of everything you submit. I'd also recommend following up with SSA about 2-3 weeks after you submit the form if you haven't heard anything.

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