Got SSA letter about benefits for my non-existent minor children - is this normal?
I finally reached full retirement age and applied for my Social Security retirement benefits last month. Everything seemed to be going fine until yesterday when I got this strange letter from SSA saying my "children may be eligible for benefits" and that I need to apply for them. The thing is, I don't have any minor children! My kids are all in their 30s with families of their own. Is this just some kind of form letter everyone gets? Do I need to respond to this or can I ignore it? I'm worried if I don't reply somehow it might delay my own benefits from being processed properly. Has anyone else gotten this kind of notice?
33 comments


Connor O'Neill
Yes, it's a standard notice that SSA sends out to almost everyone who applies for retirement benefits. They have no way of knowing whether you have minor children or not until you tell them, so they send these notices automatically. Your adult children aren't eligible (unless they have a disability that began before age 22), so you can safely ignore it. It won't affect your own benefit processing at all.
0 coins
Zainab Ismail
•Oh thank goodness! I was stressing about this all night. So there's nothing I need to do? No form to return saying I don't have eligible children?
0 coins
QuantumQuester
i got the same letter when i filed last year dont worry about it
0 coins
Yara Nassar
This is actually a very common notice. Social Security sends it because there are several situations where children might be eligible for benefits on your record: 1. Minor children under 18 2. Children 18-19 who are full-time students in secondary education 3. Adult children who became disabled before age 22 Since the SSA doesn't automatically know your family situation, they send this notice to everyone. You don't need to respond if none of these situations apply to you. Your own benefits will process normally.
0 coins
Zainab Ismail
•Thank you for the detailed explanation! That makes me feel better. I was worried I might have to call them to clarify, and we all know how impossible it is to get through to an actual person at SSA these days.
0 coins
Keisha Williams
•Actually, if you ever DO need to reach SSA by phone without waiting hours, I recently discovered a service called Claimyr that connects you to SSA without the wait. I was skeptical but it worked perfectly when I needed to sort out an issue with my Medicare enrollment. You can see how it works at https://youtu.be/Z-BRbJw3puU or just go to claimyr.com. Definitely worth it for peace of mind when you actually need to talk to someone.
0 coins
Paolo Ricci
I got this too and actually had a 17-year old at home when I applied. The letter is correct - your children MIGHT be eligible. Mine was and got a nice little monthly benefit until he graduated high school. But if your kids are grown it doesn't apply to you.
0 coins
Amina Toure
SSA sends these notices to EVERYONE!!!! Its just another example of govt waste and inefficiency. They could easily check if you have minor children from your tax returns but instead they waste money sending these useless letters to seniors. Then they wonder why their phone lines are jammed with people calling to ask about letters that don't apply to them!!!!
0 coins
Connor O'Neill
•Actually, the SSA doesn't have automatic access to your tax records to check dependents - there are privacy laws that prevent that kind of information sharing between agencies. And even if they did, tax dependents aren't exactly the same as who might qualify for Social Security benefits on your record.
0 coins
Oliver Zimmermann
wait i thought u could get SS for grandkids too if ur raising them? my neighbor gets something for her grandkids she has custody of
0 coins
Yara Nassar
•Yes, that's correct. If you have legal custody or guardianship of grandchildren, they may be eligible for benefits on your record. That would be another reason the SSA sends these notices - they don't know your exact family situation.
0 coins
QuantumQuester
my sister got this letter too and she doesnt even have kids lol
0 coins
Connor O'Neill
One more thing I should mention - you said your kids are in their 30s, but if any of them became disabled before they turned 22, they could potentially qualify for benefits on your record as a Disabled Adult Child (DAC). This is a commonly overlooked benefit. If this doesn't apply to your situation, then no action is needed, but I wanted to mention it just in case.
0 coins
Zainab Ismail
•That's good to know, but thankfully all my children are healthy and employed. I appreciate everyone's help! My retirement benefits are actually showing up in my bank account now, so I guess ignoring that letter didn't cause any problems.
0 coins
Mei Wong
Congratulations on getting your retirement benefits started! That's great news that everything went smoothly. This is exactly why this community is so helpful - it's reassuring to hear from others who've been through the same experience. For anyone else reading this thread, it's a perfect example of how these standard SSA notices can cause unnecessary worry, but they're really just part of their normal process to make sure no eligible family members miss out on benefits.
0 coins
Ava Martinez
•This thread has been incredibly helpful! I'm actually in a similar situation - just turned 65 and getting ready to apply for my benefits next month. It's so reassuring to know that these letters are just routine and not something to panic about. I was already worried about navigating the whole Social Security process, so knowing what to expect with these standard notices really helps reduce the anxiety. Thanks everyone for sharing your experiences!
0 coins
Jessica Nolan
I'm glad to see this thread helped so many people! As someone who works with retirees regularly, I can confirm that these letters about potential children's benefits are sent to virtually everyone who applies for retirement benefits. The SSA has to cast a wide net because they don't want eligible family members to miss out on benefits they deserve. It's much easier for them to send the notice to everyone rather than try to determine each person's family situation beforehand. The key takeaway is that if you don't have qualifying children (minor, disabled before 22, or grandchildren in your care), you can safely ignore it. Your own benefits will process completely independently of this notice.
0 coins
Keith Davidson
•This is exactly the kind of reassuring information newcomers to Social Security need! I'm just starting to think about retirement planning myself and had no idea these kinds of standard notices existed. It's so helpful to understand that SSA sends these broadly rather than trying to research each individual's situation first - that actually makes a lot of sense from a practical standpoint. Thanks for breaking down the process so clearly!
0 coins
CosmicCrusader
As a newcomer to this community, I really appreciate seeing such helpful discussions! I'm still a few years away from retirement age myself, but reading threads like this gives me confidence that there are knowledgeable people here willing to share their experiences. It's reassuring to know that when I do reach that milestone, I can expect these kinds of standard notices and won't need to panic about them. The fact that everyone took time to explain the process so thoroughly for Zainab really shows what a supportive community this is. Thank you all for creating such a welcoming environment for those of us navigating Social Security for the first time!
0 coins
StarSurfer
•Welcome to the community! I'm fairly new here myself and have been really impressed by how helpful everyone is. It's so valuable to have a place where people can share their real-world experiences with Social Security processes. I'm also still learning about all the ins and outs of retirement benefits, and threads like this one really help demystify what can seem like a complicated system. The fact that so many experienced members take the time to provide detailed explanations makes this such a great resource for all of us who are preparing for or just starting our Social Security journey.
0 coins
Luca Ricci
As someone new to this community, I just want to echo what others have said about how reassuring this discussion is! I'm approaching retirement age myself and had no idea that SSA sends these standard notices about children's benefits to everyone. Reading through all the experiences shared here really helps prepare me for what to expect when I apply for my own benefits. It's particularly helpful to see how Zainab's situation worked out perfectly fine despite the initial worry about the letter. This kind of real-world guidance from people who've actually been through the process is invaluable for those of us who haven't navigated Social Security yet. Thank you all for being so generous with your knowledge and experiences!
0 coins
Zoe Papadakis
•Welcome to the community, Luca! I'm also relatively new here and have found this to be such a welcoming and informative space. Your comment really resonates with me - it's amazing how much peace of mind comes from hearing these real experiences from people who've actually been through the Social Security application process. Before finding this community, I had so many questions and anxieties about what to expect, but seeing discussions like this one really helps normalize what can feel like an overwhelming bureaucratic process. It's especially comforting to know that things like these standard notices are just routine parts of the system, not cause for panic. I'm grateful to have found such a supportive group of people willing to share their knowledge!
0 coins
Olivia Evans
As a newcomer to this community, I want to thank everyone for this incredibly informative discussion! I'm still several years away from applying for Social Security myself, but reading through all these experiences has been so educational. It's reassuring to know that SSA sends these children's benefit notices as a standard practice to ensure no one misses out on potential benefits, rather than being something to worry about. The fact that Zainab's benefits processed smoothly despite initially being concerned about the letter really shows how routine this process is. I'm bookmarking this thread for future reference when I reach retirement age. It's wonderful to have found such a knowledgeable and supportive community where people generously share their real-world experiences with Social Security. Thank you all for making this seem much less daunting for those of us who haven't been through it yet!
0 coins
Felicity Bud
•Welcome to the community, Olivia! I'm also quite new here and have been amazed at how supportive everyone is. Your point about bookmarking this thread is spot on - I've been doing the same thing with helpful discussions like this one. It's such a relief to learn that these SSA notices are just standard procedure rather than something that requires immediate action or worry. As someone who tends to overthink bureaucratic processes, seeing how smoothly everything worked out for Zainab despite her initial concerns really helps put things in perspective. This community has already taught me so much about what to expect when navigating Social Security, and I feel much more confident about the process thanks to members who take the time to share their experiences so thoroughly. Looking forward to learning more from everyone here!
0 coins
FireflyDreams
As a newcomer to this community, I just wanted to say how grateful I am to have found this discussion! I'm currently helping my elderly father navigate his Social Security application, and we actually just received one of these exact letters about children's benefits. Reading through everyone's experiences here has been incredibly reassuring - we were initially confused about whether we needed to take any action, but now I understand it's just a standard notice that gets sent to everyone. It's so helpful to see real examples like Zainab's where everything worked out perfectly fine by simply ignoring the letter when it doesn't apply. This community seems like such a valuable resource for anyone dealing with Social Security questions. Thank you all for sharing your knowledge and experiences so openly - it really makes a difference for those of us who are new to this process!
0 coins
Bethany Groves
•Welcome to the community, FireflyDreams! It's so wonderful that you're helping your father with his Social Security application - that can be such a stressful process for seniors to navigate alone. I'm also fairly new here myself and have been continuously impressed by how willing everyone is to share their knowledge and real-world experiences. Your timing in finding this thread is perfect! It must be such a relief to get that immediate clarity about the children's benefits letter rather than worrying about it or spending hours trying to reach SSA by phone. This community really has become my go-to resource for understanding all the nuances of Social Security that you just don't learn about until you're actually going through it. Best of luck to you and your father with the rest of his application process!
0 coins
Paolo Ricci
As a newcomer to this community, I'm so grateful to have found this discussion! I'm still about 3 years away from retirement but have been researching the Social Security process to prepare myself. Reading through everyone's experiences here has been incredibly educational - I had no idea that SSA sends these standard notices about children's benefits to virtually everyone who applies. It's such a relief to understand that these letters are just part of their routine process to ensure no eligible family members are overlooked, rather than something that requires immediate action or causes delays. Seeing how Zainab's benefits processed smoothly despite her initial concern about the letter really demonstrates how routine this is. This thread perfectly shows why I joined this community - having access to real-world experiences from people who've actually navigated these processes is invaluable for those of us preparing for retirement. Thank you all for creating such a welcoming and informative environment!
0 coins
Freya Nielsen
•Welcome to the community, Paolo! It's great that you're planning ahead - starting your research 3 years early shows real wisdom. I'm also relatively new here and have found this to be such an incredibly supportive space for learning about Social Security. Your observation about these notices being routine rather than urgent is so important - I think many of us would naturally assume any letter from SSA requires immediate attention. But seeing how calmly experienced members like Connor and Yara explained the process, and how everything worked out perfectly for Zainab, really helps put these things in perspective. This community has already saved me so much stress and confusion about what to expect during the retirement process. Looking forward to learning alongside you as we both prepare for this next chapter!
0 coins
Natasha Ivanova
As a newcomer to this community, I want to thank everyone for such a thorough and reassuring discussion! I'm just beginning to think about my own retirement planning and had no idea that SSA sends these children's benefit notices as standard practice. Reading through all the experiences shared here - especially seeing how Zainab's situation resolved perfectly despite her initial worry - really helps demystify what can seem like an intimidating bureaucratic process. It's incredibly valuable to learn that these letters are sent broadly to ensure no eligible family members miss out on benefits, rather than being cause for concern. The detailed explanations from members like Connor, Yara, and others about the different scenarios where children might qualify (minors, disabled adult children, grandchildren in care) are so educational. This is exactly the kind of real-world guidance that makes this community such a fantastic resource for those of us preparing to navigate Social Security for the first time. Thank you all for being so generous with your knowledge and creating such a welcoming environment!
0 coins
CosmicCruiser
•Welcome to the community, Natasha! I'm also quite new here and completely agree with your assessment - this thread has been incredibly educational. Like you, I had no idea these children's benefit notices were sent so routinely. Before reading this discussion, I probably would have panicked if I received one of these letters! It's amazing how much anxiety can be avoided just by understanding that it's standard procedure. The way this community breaks down complex Social Security processes into understandable terms is really remarkable. I'm also in the early stages of retirement planning, and having access to these real experiences from people who've actually been through the system gives me so much more confidence about the process ahead. Thank you for your thoughtful comment - it perfectly captures why this community is such a valuable resource for all of us learning to navigate these important life transitions!
0 coins
Amelia Cartwright
As a newcomer to this community, I'm so thankful to have stumbled upon this thread! I'm about 18 months away from applying for my Social Security benefits and honestly had never heard about these children's benefit notices before reading this discussion. It's such a relief to learn that they're completely routine and not something to stress about. Zainab, I'm so glad you asked this question because I'm sure I would have had the exact same reaction if I received one of those letters unexpectedly! The explanations from everyone about why SSA sends these notices broadly - to make sure no eligible family members are missed - makes complete sense now that it's been explained. This is exactly why I joined this community - getting real insights from people who've actually been through these processes is so much more valuable than trying to decipher official government websites. Thank you all for creating such a supportive space where newcomers like me can learn from your experiences and feel more confident about navigating Social Security!
0 coins
Mia Green
•Welcome to the community, Amelia! I'm also new here and can completely relate to your relief at finding this discussion. Like you, I had never heard of these children's benefit notices before, and I would have definitely panicked if one showed up in my mailbox! It's so reassuring to see how routine they actually are. What I love most about this thread is how it shows the real value of this community - Zainab asked exactly the question so many of us would have, and the experienced members provided such clear, practical answers. Reading everyone's responses has given me so much more confidence about what to expect during the Social Security process. It's wonderful to know there's such a knowledgeable and supportive group here to help guide newcomers like us through these important milestones. Thank you for your comment - it perfectly captures how valuable these real-world insights are for those of us preparing for retirement!
0 coins
Alice Pierce
As a newcomer to this community, I just wanted to add my voice to say how incredibly helpful this entire discussion has been! I'm currently about 2 years out from retirement and have been trying to educate myself about the Social Security process. Like so many others who've commented, I had absolutely no idea that SSA sends these children's benefit notices as standard practice. Reading through everyone's experiences - especially seeing how Zainab's initial worry turned into relief once she understood it was routine - has been so reassuring. The detailed explanations about the different scenarios where children might qualify (minors, students, disabled adult children, grandchildren in care) really help paint a complete picture of why SSA casts such a wide net with these notices. It's clear they'd rather send too many notices than risk someone missing benefits they're entitled to. This thread is a perfect example of why I'm so grateful to have found this community - having access to real experiences from people who've actually navigated these processes takes so much of the mystery and anxiety out of preparing for retirement. Thank you all for being so generous with your knowledge and creating such a welcoming space for those of us still learning our way around Social Security!
0 coins