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?
21 comments


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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Liam McGuire
•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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Giovanni Greco
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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Fatima Al-Farsi
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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Liam McGuire
•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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Dylan Wright
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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Sofia Torres
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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GalacticGuardian
•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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Dmitry Smirnov
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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Liam McGuire
•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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Giovanni Greco
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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Fatima Al-Farsi
•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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Liam McGuire
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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Dmitry Smirnov
•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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Hailey O'Leary
This is such a great example of why it's worth following up on these SSA contacts even when they seem confusing! I had a similar situation with my son where I almost ignored a letter from SSA because it seemed like a mistake. Turns out they owed us over $1,800 in back benefits I never knew we were entitled to. The paperwork was a pain, but totally worth it. Good luck with the school visit tomorrow - sounds like you're all set!
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Liam O'Connor
•That's so encouraging to hear! I was definitely on the fence about whether this was worth pursuing, but hearing from people who've actually been through similar situations is really helpful. $1,800 is definitely nothing to ignore! It's crazy how these benefit rules work - there are so many nuances that regular people just don't know about. Thanks for sharing your experience!
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Mia Rodriguez
As someone who works in benefits administration, I want to emphasize how important it is to pursue this! The differential payment system is one of the most misunderstood aspects of Social Security child benefits. What's happening here is completely legitimate - your daughter isn't getting "double benefits" but rather getting adjusted to the higher benefit amount she was always entitled to. The timing makes perfect sense too. When you filed with retroactive benefits, it triggered a review of all potential child beneficiaries during that retroactive period. The system automatically flagged that your daughter might be entitled to a higher benefit amount on your record compared to what she received on your husband's record. Don't let the paperwork intimidate you - Form 1372 is standard procedure and schools handle these requests routinely. The key thing is that SSA reached out to YOU, which means their system has already identified a potential overpayment situation in your favor. That's money your family is legally entitled to, so definitely follow through!
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Zoe Alexopoulos
•This is incredibly helpful information! As someone new to navigating Social Security benefits, I really appreciate you explaining the technical side of how the differential payment system works. It's reassuring to know that when SSA reaches out proactively like this, it's because their system has already identified a legitimate entitlement. I've been reading through all these responses and it's amazing how many people have been through similar situations - makes me feel much more confident about pursuing this. Thank you for taking the time to break down the process from a professional perspective!
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Zara Shah
I'm in a very similar situation right now! My daughter graduated last year and I just filed for my own benefits a few months ago. SSA called me last week about the exact same thing - Form 1372 and potential additional benefits on my record. I was so confused because like you, she already got benefits on my ex-husband's record until graduation. Reading through all these responses has been incredibly eye-opening. I had no idea about this differential payment system! It sounds like this is actually pretty common when one parent files later than the other. I'm definitely going to call her high school tomorrow too - seems like they're used to handling these forms for graduated students. Thanks for posting about this! Without seeing your question and everyone's helpful responses, I probably would have just ignored SSA's call thinking it was some kind of mistake. Now I realize I could be leaving money on the table for my daughter. Really appreciate everyone sharing their experiences here!
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Chloe Harris
•I'm so glad this thread has been helpful for you too! It's really reassuring to know that other people are going through the exact same situation. When SSA first called me, I was honestly skeptical because it seemed too good to be true - like why would they be reaching out to give me MORE money, you know? But seeing all these responses from people who've actually been through this process makes me feel much more confident that it's legitimate. Definitely call your daughter's school - based on what everyone's saying, it sounds like they handle these requests all the time and make the process pretty straightforward. Good luck with everything!
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