DAC benefits application taking forever - SSA account suddenly inaccessible?
Hi everyone, I'm at my wits' end trying to get Disabled Adult Child benefits for my daughter. She's 28 and has been receiving SSI since she was 3 years old. I filed the DAC application back in early October 2024 after I started collecting my own retirement benefits. The claims rep made it sound like this would be a straightforward process since she already has an established disability. It's been over 6 weeks now and I've heard absolutely nothing. To make matters worse, I can't even access her mySSA account anymore - it just gives an error message on both my phone and computer. Is this normal? How long should DAC applications take when the person is already getting SSI? And what's with the account access issue? Anyone else dealt with this?
24 comments

CosmicCommander
DAC benefits can actually take 3-5 months even when they already have SSI. The ssa rep shouldnt have told u it would be quick. They always say that lol. But the account not working is weird, might be maintenance or something?
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Oliver Zimmermann
Author3-5 MONTHS?? The rep specifically told me it would be faster since she already has a disability determination! I can't believe this... Do you know if they backpay from the application date at least?
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Natasha Volkova
my brother went thru this exact thing last year. his account also disappeared during processing. dont worry its normal while they switch benefit types!
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Oliver Zimmermann
AuthorOh thank goodness! That's a relief to hear. How long did your brother's process take from application to approval?
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Natasha Volkova
little over 4 months total. but he got backpay from when my dad started getting his retirement
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Javier Torres
The transition from SSI to Disabled Adult Child (DAC) benefits involves several administrative steps that can take time. What's happening is that SSA has to: 1. Verify your entitlement to retirement benefits 2. Calculate your Primary Insurance Amount (PIA) 3. Calculate your child's benefit amount (usually 50% of your PIA) 4. Process the transition from SSI to DAC benefits The temporary inability to access the mySSA account is actually common during this transition period as the system updates their benefit type. This doesn't indicate a problem with the application. Regarding timeframe, while straightforward cases can be processed in 6-8 weeks, 3-4 months is more typical. The good news is that benefits will be paid retroactively to the month you became entitled to retirement benefits (if that's when you applied for DAC), so no money is lost during the waiting period. If it's been more than 6 weeks with no communication, I would recommend calling SSA to check on status. Unfortunately, getting through to them can be challenging.
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Oliver Zimmermann
AuthorThank you for such a detailed explanation! That makes a lot more sense now. Do you know if she'll continue getting her SSI payments while waiting for the DAC benefits to start? I'm worried about her having no income during this transition period.
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Emma Davis
THEY ALWAYS LIE ABOUT TIMEFRAMES!!! Every single rep gives different information. When my son switched from SSI to DAC it took SIX MONTHS and nobody would tell me what was happening. I called 14 times and got 14 different answers. The whole system is designed to frustrate us into giving up. And yes, the account access issues are normal but NOBODY TELLS YOU THAT until you panic and waste hours trying to figure it out. I'm still bitter about how they handled everything.
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Malik Johnson
same. took 5 months for us. they really need to train their people better about what to tell families.
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Oliver Zimmermann
AuthorSix months is ridiculous! Did they at least continue the SSI payments during that time? I'm so worried my daughter will have no income while we wait.
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Isabella Ferreira
I recently helped a client through this exact process. Here's what you need to know: - Yes, the online account often becomes temporarily inaccessible during benefit transitions - SSI payments should continue until the DAC benefits begin - DAC benefits will be higher than SSI in most cases - Backpay will be calculated from your retirement entitlement date One thing you should do immediately is call and check if they need any additional documentation. Sometimes applications get held up because they're waiting for information they never actually requested from you. I've found that calling SSA early in the morning (right when they open) gives you the best chance of getting through. If you're still having trouble reaching someone, I've had clients use a service called Claimyr (claimyr.com) that helps you skip the phone wait. They have a video demo at https://youtu.be/Z-BRbJw3puU that shows how it works. It's been helpful for cases where you really need to get an update on status.
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Oliver Zimmermann
AuthorThank you! I've been trying to call for the past two weeks with no luck - either disconnected or 3+ hour wait times. I'll check out that Claimyr service. At this point, I just need to know if they need anything else from us or if it's just normal processing time.
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Ravi Sharma
wait i'm confused. isnt DAC different from SSI? i thought SSI was the one with the asset limits and DAC was from your parents work credits? my daughter gets DAC benefits because of my husband's disability but we never did SSI first. or are you talking about something else?
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Javier Torres
You're absolutely right that they're different programs. SSI (Supplemental Security Income) is a needs-based program with strict asset limits. DAC (Disabled Adult Child) benefits are based on a parent's work record. Many people start with SSI when their disabled child is young (before parents retire or become disabled themselves). Then when a parent starts collecting Social Security retirement or disability, the child may become eligible for the typically higher DAC benefits based on that parent's work record. So in your case, your daughter went straight to DAC based on your husband's record. In the original poster's situation, their child has been on SSI and is now transitioning to DAC as the parent is now collecting retirement benefits.
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Ravi Sharma
ok that makes sense now! thanks for explaining!
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Natasha Volkova
btw has anyone tried going to the local office? sometimes they can tell you more in person than on the phone
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Oliver Zimmermann
AuthorI tried last week but they're appointment-only and the next available was 6 weeks out. It's so frustrating!
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NebulaNomad
Just wanted to add my experience - my son's DAC application took exactly 14 weeks from submission to approval. His mySocialSecurity account was unavailable for about 3 weeks during processing. They continued his SSI payments until the DAC kicked in, and then he got a nice backpay amount for the difference between the higher DAC payment and his old SSI rate. Hang in there!
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Oliver Zimmermann
AuthorThat's exactly what I needed to hear! Thanks for sharing your timeline. Did you have to call them repeatedly or did they just process it without needing follow-up?
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NebulaNomad
We called once around week 8 just to check status. They said it was in process and didn't need anything else from us. Then it just showed up one day with a letter explaining everything about 6 weeks later.
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CosmicCommander
hey quick question sorta related - does anyone know if the DAC recipient can work part time? my niece wants to try working like 10 hrs a week at a craft store but we're scared it will mess up her benefits
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Isabella Ferreira
Yes, DAC recipients can work, but they need to stay under the Substantial Gainful Activity (SGA) limit, which is $1,550/month for 2025. At 10 hours per week at minimum wage, she should be well under that limit. Just make sure to report the earnings to SSA. Unlike SSI, DAC benefits aren't reduced dollar-for-dollar with earnings, but if she consistently earns over the SGA amount, it could eventually affect benefits eligibility.
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LunarLegend
I'm going through something similar right now! My daughter's DAC application has been pending for about 10 weeks. The mySSA account issue is definitely normal - ours went down around week 3 and came back around week 7, but now it shows her new benefit type even though we haven't gotten the approval letter yet. One thing that helped us was requesting a status update in writing through their online portal before the account went down. That way we had documentation of when we applied and could reference it when calling. Also, I found that calling right at 8am on Tuesday mornings seemed to get me through faster than other times. The waiting is brutal but from what I've read here and experienced myself, it sounds like 3-4 months is pretty standard even for "straightforward" cases. Hope you get good news soon!
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Mary's Towing
I filed June of 2024 im still waiting i just gave them a ton of paperwork and mailed it a few days ago im getting a lawyer that's the best avenue especially if they are messing around or if ur waiting for huge backpay that's why im getting. A lawyer for a huge backpay from years ago since my disability started before 22 I hope all goes well with you any updates?
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