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?
43 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
•3-5 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
•Oh 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
•Thank 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
•Six 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
•Thank 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
•I 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
•That'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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Miguel Hernández
I'm dealing with a very similar situation right now! My son has been on SSI since he was 5, and I filed his DAC application 8 weeks ago when I started collecting my retirement benefits. The waiting is absolutely nerve-wracking, especially when you can't get through to anyone on the phone. What's been helpful for me is keeping a detailed log of all my attempts to contact them - dates, times, who I spoke with (if anyone), and what they told me. This has been useful because I've gotten conflicting information from different reps, just like others have mentioned here. One thing I learned from my case worker before she left (of course they reassigned me right after I filed) is that they often batch process these DAC applications, so sometimes there are weeks where nothing seems to happen, then suddenly a bunch get processed at once. The account access issue is definitely normal - mine was down for about 3 weeks and just came back online last week. Now it shows "pending" status instead of just his SSI info, which I'm hoping is a good sign. Hang in there! From everything I've read here, it sounds like we're both still within the normal timeframe, even though it feels like forever when you're living it.
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Brielle Johnson
•Thanks for sharing your experience! It's so reassuring to hear from someone going through the exact same thing right now. The idea about keeping a detailed log is brilliant - I wish I had started doing that from the beginning. I've definitely gotten different answers from different reps too, which just adds to the confusion. It's encouraging that your account is now showing "pending" status - that does sound like progress! Hopefully we'll both get our approval letters soon. This waiting game is definitely testing my patience, but hearing all these similar timelines from everyone here makes me feel like we're on the right track.
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Sophia Russo
I went through this exact same process with my daughter about two years ago! Filed her DAC application in September and didn't get approval until February - so almost 5 months total. The mySSA account being inaccessible is completely normal during the transition, though it's super frustrating when you're already anxious about the process. A few things that might help: First, don't worry about her losing income - they should continue the SSI payments until the DAC benefits kick in. Second, the DAC benefits will likely be higher than her SSI, and you'll get backpay for the difference. Third, I found that sending a written inquiry through the contact form on the SSA website (when you can access it) sometimes got faster responses than calling. The most important thing I learned is that "no news" during this process usually means everything is proceeding normally. They're just really backed up. Your October filing puts you at about 6 weeks now, which is still well within the normal 3-5 month window everyone here is mentioning. Keep trying to call if you want peace of mind, but don't panic if you can't get through. The system is slow but it does work eventually. Hang in there!
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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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Ellie Simpson
•June 2024?! That's almost 9 months now - that's way longer than what everyone else is reporting here. Getting a lawyer definitely sounds like the right move at this point, especially if you're dealing with a complex backpay situation from years ago. That's really frustrating that they're still asking for more paperwork after all this time. Have you been able to get any updates on what's causing the delay? I'm at 6 weeks and already feeling anxious, so I can't imagine how stressful 9 months must be. Hope the lawyer can help get things moving for you!
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Jamal Anderson
I'm going through almost the exact same situation right now! Filed my son's DAC application in late September when I started my retirement benefits, and we're at about 7 weeks with radio silence from SSA. His mySSA account has been inaccessible for the past 3 weeks, which had me really worried until I read all these responses. It's so frustrating how the reps give completely different timeframes - mine told me "6-8 weeks tops" and here we are. Reading everyone's experiences here is honestly the most helpful information I've gotten through this whole process. The fact that the account issues are normal and that SSI continues during the transition is such a relief to know. I've been trying the early morning calling strategy that a few people mentioned, and I did get through once around week 5. The rep basically just said "it's processing" and couldn't give me any specifics, but at least confirmed they had everything they needed. Thanks to everyone for sharing your timelines and experiences - it's making this waiting period much more bearable knowing we're not alone in this!
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Ravi Sharma
•I'm so glad you posted this - it's really comforting to know there are others going through the exact same timeline right now! I filed in early October so we're just about a week behind you. The inconsistent information from different reps is definitely the most frustrating part. It sounds like we're both still well within the "normal" 3-5 month window that everyone here is mentioning, even though it feels like forever when you're living through it. Your experience of getting through once and at least confirming they have everything is encouraging - I haven't been able to reach anyone yet despite trying for weeks. Thanks for sharing your story, it really helps to know we're all in this together!
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Paloma Clark
I'm also in the middle of this process right now! Filed my daughter's DAC application about 5 weeks ago when I started collecting my retirement benefits. She's been on SSI since childhood and like many others here, the rep made it sound like it would be a quick transition since her disability was already established. Reading through all these experiences has been incredibly helpful - I had no idea the mySSA account going down was normal during processing. Mine's been inaccessible for about 2 weeks now and I was starting to panic thinking something went wrong. It's both frustrating and reassuring to see that 3-5 months seems to be the actual reality despite what the reps initially tell people. The consistency in everyone's experiences here gives me confidence that we're just dealing with normal processing delays rather than actual problems with our applications. For anyone else going through this - documenting everything like Miguel suggested is really smart. I wish I had started keeping better records from day one. Also trying the early morning calling strategy this week since several people mentioned having better luck that way. Thanks to everyone for sharing their timelines and experiences. This thread is honestly more informative than anything I've gotten from SSA directly!
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Kayla Jacobson
•I'm going through the exact same thing right now too! Filed my son's DAC application about 4 weeks ago and his mySSA account just went down last week. Before finding this thread, I was convinced something had gone wrong with our application. It's amazing how SSA doesn't proactively tell you that the account will become temporarily inaccessible during processing - that would save so much anxiety! The 3-5 month timeline everyone is sharing here is definitely eye-opening compared to what I was initially told. I'm definitely going to start keeping better records moving forward and try the early morning calling strategy. It's so helpful to have this community to compare experiences with since getting reliable information directly from SSA seems nearly impossible. Wishing everyone here quick approvals!
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Malik Johnson
I'm currently going through this exact same process! Filed my daughter's DAC application about 3 weeks ago when I started my retirement benefits. She's been on SSI since she was 7, and like everyone else here, I was told it would be "straightforward" since her disability was already established. Reading through all these experiences has been such a relief - I had no idea this was such a common timeline issue or that the mySSA account going down was normal. Her account is still accessible for now, but based on what everyone is sharing, I should probably expect it to become unavailable soon. The range of 3-5 months that people are reporting is definitely not what I was expecting based on my initial conversation with SSA. It's frustrating how inconsistent the information is, but I'm grateful to find this community where people are sharing real experiences and actual timelines. I'm definitely going to start keeping detailed records like Miguel suggested and try the early morning calling strategy if I need to follow up. It's comforting to know that the waiting and uncertainty we're all experiencing is unfortunately just part of the normal process. Thanks to everyone for sharing - this thread has been more informative than anything I've gotten from SSA directly!
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Javier Gomez
•Welcome to the waiting club! It's honestly shocking how many of us are going through the exact same experience right now with similar timelines. I'm about 6 weeks in and just like you, was told it would be "straightforward" - seems like that's their standard line! The fact that this thread exists with so many people sharing nearly identical experiences really shows how broken the communication is on SSA's end. They should definitely warn people upfront about the 3-5 month timeline and the account access issues. Would save so much stress and confusion. Starting those detailed records early is definitely smart - I wish I had done that from day one. And yes, try calling right at 8am if you need to check status later on. Several people here have had better luck with that timing. Hang in there, sounds like we're all just playing the same long waiting game!
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AstroExplorer
I'm currently dealing with this exact situation too! Filed my daughter's DAC application about 6 weeks ago when I started collecting retirement benefits. She's been receiving SSI since she was 4 years old, and just like everyone else here, the rep assured me it would be a quick process since her disability was already established. Her mySSA account became inaccessible about 2 weeks ago, which really had me panicked until I found this thread. It's incredible how many people are going through the identical experience with the same timeline issues and account problems. What's really frustrating is how SSA doesn't prepare you for any of this upfront. They should definitely tell people to expect 3-5 months and warn about the account access issues during processing. Would save so much anxiety! I've started keeping detailed records of all my contact attempts after reading Miguel's suggestion - wish I had thought of that earlier. Also planning to try the early morning calling strategy that several people mentioned having success with. This community has been more helpful than anything I've gotten directly from SSA. It's comforting to know we're all in this together, even though the waiting is absolutely brutal. Thanks to everyone for sharing their experiences and timelines!
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Omar Farouk
•I'm in the exact same boat! Just hit the 7-week mark with my son's DAC application and his mySSA account went down about 10 days ago. Before finding this thread, I was absolutely convinced something had gone terribly wrong with our case. It's both frustrating and oddly comforting to see how many of us are dealing with identical timelines and issues right now. You're so right about SSA not preparing people for this reality upfront. When they tell you it's "straightforward" because disability is already established, you naturally expect a few weeks, not potentially 5 months! The fact that so many of us got the exact same misleading information really shows there's a systemic communication problem. I've also started documenting everything after reading through these responses - definitely wish I'd started that from day one. The early morning calling strategy seems to be the consensus here for actually getting through when needed. Hang in there - sounds like we're all just enduring the same frustratingly long but apparently normal process!
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GalaxyGazer
I'm currently in week 8 of waiting for my son's DAC application approval - filed in early October when I started my retirement benefits. He's been on SSI since childhood, and like so many others here, I was told it would be "straightforward and quick" since his disability was already established. His mySSA account has been inaccessible for about 3 weeks now, which had me really worried until I read through all these experiences. It's honestly shocking how many people are dealing with the exact same timeline and issues right now! The most frustrating part is definitely the inconsistent information from SSA reps. Some say 6-8 weeks, others say 3-5 months, and clearly the reality is closer to the longer estimate. They really should be upfront about the actual timeframes and warn people about the account access issues during processing. I've been trying the early morning calling strategy that several people mentioned, but still haven't gotten through. Started keeping detailed records of my attempts after reading Miguel's suggestion - definitely wish I'd done that from the beginning. This thread has been incredibly helpful and reassuring. It's comforting to know that all of us experiencing the same frustrating wait are actually just going through the normal (albeit lengthy) process. Thanks to everyone for sharing your real experiences - it's more informative than anything I've gotten directly from SSA!
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Kristian Bishop
•I'm also right around the 8-week mark with my daughter's DAC application! Filed in early October as well when I started collecting my retirement benefits. It's really reassuring (and frustrating) to see how many of us are experiencing identical timelines and issues. The mySSA account going down seems to happen consistently around the 3-week mark for most people here - mine's been inaccessible for about 2.5 weeks now. Before finding this community, I was convinced something had gone wrong with our application too. You're absolutely right about the inconsistent information being the worst part. I've gotten everything from "4-6 weeks" to "could be up to 6 months" depending on which rep I talk to. They really need to standardize their messaging and be more realistic about timeframes upfront. I haven't had any luck with the early morning calling strategy yet either, but I'm going to keep trying. The detailed record-keeping tip from Miguel has been really helpful though - I've started logging every attempt and any information I do manage to get. Thanks for sharing your timeline - it's oddly comforting to know we're all stuck in the same waiting period together! Hopefully we'll start seeing some movement on our cases soon.
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Effie Alexander
I'm currently at the 5-week mark with my daughter's DAC application and this thread has been a lifesaver! Filed in mid-November when I started my retirement benefits, and like everyone else here, was told it would be "quick and straightforward" since she's been on SSI since age 6. Her mySSA account just went down this week, which sent me into panic mode until I found all these similar experiences. It's incredible how consistent everyone's timelines are - really shows this is just the normal (frustrating) process rather than individual problems with our cases. The lack of clear communication from SSA about realistic timeframes is really disappointing. Based on everyone's experiences here, I'm now mentally preparing for 3-4 months rather than the 6-8 weeks I was initially told. I've started keeping detailed records of all contact attempts after reading Miguel's suggestion - definitely going to try the early morning calling strategy if I need to check status later on. Thanks to everyone for sharing their real experiences and timelines. This community support makes the waiting so much more bearable knowing we're all going through the same process together!
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Connor O'Neill
•I'm right there with you at the 5-week mark! Filed my son's DAC application in mid-November as well when I started retirement benefits. It's honestly both relieving and frustrating to see how many of us are experiencing the exact same timeline and issues right now. The mySSA account going down seems to be like clockwork around weeks 3-4 for most people here. Before finding this thread, I was also panicking thinking something went wrong with our application. It's really unfortunate that SSA doesn't warn people about this normal part of the process upfront. You're so right about adjusting expectations based on everyone's real experiences here rather than the overly optimistic initial estimates from reps. I'm also now mentally preparing for 3-4 months instead of the "quick turnaround" I was promised. Starting those detailed records early is definitely smart - I wish I had done that from day one like you're doing. The early morning calling strategy seems to be the consensus here for when we need updates later in the process. This community has been incredibly valuable for understanding what's actually normal versus what we're told to expect. Hang in there - sounds like we're all just playing the same long waiting game together!
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Jackie Martinez
I'm currently going through this exact same process! Filed my son's DAC application about 9 weeks ago when I started collecting retirement benefits. He's been on SSI since he was 8, and just like everyone else here, I was told it would be a "straightforward transition" since his disability was already established. His mySSA account has been inaccessible for about a month now, which really stressed me out until I found this thread. It's amazing how many people are experiencing identical timelines and issues - really shows this is just the normal (albeit frustrating) SSA process. I finally got through to someone last week using the early morning calling strategy (called right at 8am on a Tuesday). The rep confirmed they have everything they need and said it's "in processing" but couldn't give me any specific timeline. At least I know it's moving forward! The inconsistent information from different reps is definitely the most aggravating part. I've been told everything from "6 weeks" to "up to 5 months" depending on who I talk to. Based on everyone's real experiences here, I'm now prepared for the 3-4 month reality rather than the optimistic estimates. Thanks to everyone for sharing your timelines - this community has been more helpful than anything I've gotten directly from SSA! It's reassuring to know we're all going through the same waiting game together.
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Libby Hassan
•I'm so glad you were able to get through to someone and get confirmation that your case is processing normally! That's really encouraging for all of us who are still in the waiting phase. The early morning calling strategy seems to be the key - I'm definitely going to try calling right at 8am on Tuesday like you did. It's both frustrating and oddly comforting to see how consistent everyone's experiences are in this thread. At least we know we're all dealing with the same systemic delays rather than individual problems with our applications. The fact that you're at 9 weeks and still within the "normal" processing window really helps set realistic expectations for those of us who are earlier in the timeline. Thanks for sharing the update about actually getting through to someone - that gives me hope that persistence with the calling will eventually pay off when I need to check on status!
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Diego Rojas
I'm currently dealing with this exact situation as well! Filed my daughter's DAC application about 7 weeks ago when I started my retirement benefits. She's been receiving SSI since she was 12, and like so many others here, I was assured it would be a "quick process" since her disability was already established. Her mySSA account went down about 2 weeks ago, which had me really panicked until I found this thread. It's incredible how many of us are going through nearly identical experiences with the same timeline issues and account access problems! What strikes me most is how SSA consistently gives misleading timeframes upfront. Based on all the real experiences shared here, it's clear that 3-5 months is the actual reality, not the 6-8 weeks most of us were initially told. They really should be more transparent about this from the beginning to save families so much unnecessary stress and confusion. I've started keeping detailed records of all my contact attempts after reading through everyone's suggestions here - definitely wish I had thought of that sooner. Planning to try the early morning calling strategy that several people have had success with. This community has been absolutely invaluable for understanding what's actually normal in this process. It's both frustrating and reassuring to know we're all experiencing the same lengthy but apparently standard waiting period. Thanks to everyone for sharing your real timelines and experiences - it's more helpful than anything I've gotten directly from SSA!
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