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How soon can I file for child auxiliary benefits after my SS retirement application? Need timeline and steps

I just applied for my own Social Security retirement benefits last week (turned 62 in March). Now I need to apply for benefits for my 12-year-old daughter who lives with me full-time. The SSA rep I talked to was confusing - she first said I need to wait until my own benefits are approved before applying for my daughter, but then mentioned something about filing within a certain timeframe for backpay? I'm totally lost! How soon after applying for my own benefits can I submit her application? Is there a waiting period? And what documentation will I need for her application? Her mother isn't in the picture if that matters. Thanks for any guidance!

You don't need to wait for your own benefits to be approved! You can and SHOULD apply for auxiliary benefits for your child immediately. There's actually a potential benefit to filing her application within 6 months of your own application - it can help establish protective filing date considerations. You'll need: your daughter's birth certificate, your custody documentation (since mom isn't involved), your SS number, and possibly school records showing she lives with you. You can file online or call to schedule an appointment.

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Thank you! This is so helpful. The rep made it sound like I had to wait. Do you know if I need the original birth certificate or will a certified copy work? And should I file online or go to the local office?

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i got my benefits last yr and did my daughters right after mine got approved. honestly wasnt a problem. think its easier that way cuz then they have ur record all set up in system

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Aaron Lee

I'm in almost the exact same situation! Just applied for retirement 3 weeks ago (I'm 63) and have a 14-year-old son. The SSA office told me I HAD to wait until my benefits were approved before they'd even accept his application. Now I'm worried we're missing out on something important. Has anyone actually successfully applied for a child's benefits before the parent's application was approved??

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Yes, you absolutely CAN file for your child before your own application is approved. The SSA representative gave you incorrect information. You should call the SSA main number back and speak with someone else, or consider using an expedited service to get through quickly. Different representatives sometimes give conflicting information, unfortunately.

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I'm an advocate who helps people navigate SSA benefits, and I want to clarify a few things: 1. You can file for your child's auxiliary benefits any time after you file your own claim - no need to wait for approval 2. There's a 6-month retroactivity window for filing dependent applications that relates to potential retroactive benefits 3. For a 12-year-old dependent, you'll need: birth certificate (certified copy is fine), your identification, proof of custody/living arrangement, and school records showing your address 4. File at the SSA office in person if possible - auxiliary applications for children are sometimes problematic online 5. If your retirement application gets denied for any reason, your daughter's application would also be denied since her eligibility stems from yours

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This is exactly what I needed! So if I understand correctly, as long as I apply for her within 6 months of my own application, we won't lose any potential payments? And is there any advantage to waiting until my application is approved first?

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Correct - filing within 6 months protects potential retroactive benefits. There's NO advantage to waiting until your application is approved first. In fact, filing simultaneously or right after your own application is ideal because it establishes her place in line. The system links your applications together, and when your retirement is approved, they'll immediately process hers.

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My daughter got her benefits right away when I got my disability approved last year. The money really helps with her expenses. Good luck!

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The SSA phone lines are absolutely IMPOSSIBLE to get through on these days! I spent 3 hours on hold trying to ask a similar question about my grandson's benefits and eventually got disconnected. Then tried again the next day and same thing happened. It's ridiculous we can't get basic information about our benefits! I discovered a service called Claimyr that got me through to an actual SSA agent in about 20 minutes instead of waiting for hours. It was totally worth it - check out their demo video at https://youtu.be/Z-BRbJw3puU. The agent I spoke with confirmed you can absolutely file for your child right away, doesn't matter if your own benefits are approved yet or not.

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Oh wow, I'll check that out! I've been trying to call back for more info and kept getting disconnected too. Is this service legitimate? It seems too good to be true after my frustrating experiences with the SSA phone lines.

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Yes, it's completely legitimate. They basically use technology to wait on hold for you, then call you when they reach a representative. I was skeptical too but it worked exactly as promised. The claimyr.com site explains how it works - saved me hours of frustration.

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ssA is so confusing!!!!! I filed for my granson last year and they made me wait till my benefits got approved first. Now reading this I think they made a mistake and he missed out on 3 months payments!!!!! Who can i talk to about fixing this??

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You may be able to request a reconsideration if it's been less than 60 days since the initial determination. If it's been longer, ask specifically about 'administrative finality' rules and whether good cause might apply for reopening the determination due to misinformation from SSA. Bring any proof you have of attempting to file earlier.

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One other important thing: make sure you understand how your early retirement (at 62 instead of Full Retirement Age) impacts BOTH your benefit amount AND your daughter's. She'll receive approximately 50% of what your PRIMARY INSURANCE AMOUNT would be at Full Retirement Age (not 50% of your reduced early retirement amount), but it's also subject to the family maximum benefit calculation. This is a complex calculation, but very important to understand for your financial planning.

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I didn't realize her benefit was based on my FRA amount rather than my reduced amount. That's actually better than I thought! Is there any calculator online where I can estimate what her monthly payment might be?

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Unfortunately, the SSA calculators don't handle child benefits well. A rough estimate: if your FRA benefit would be $2000 (even though you're taking reduced benefits at 62), your daughter would receive approximately $1000/month. However, the family maximum usually caps total household benefits at 150-180% of your PIA. Your best bet is to ask the SSA representative to calculate this specifically for you when you apply.

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make sure u bring all ur documents for ur kid they r super picky and will make u come back if u forget anything

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Aaron Lee

I'm getting so many conflicting answers from SSA about this same issue! Last week one rep told me to apply for my son right away, this week another one says I need to wait. Does anyone know if there's a specific regulation or rule I can reference when I talk to them?

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Reference POMS GN 00204.030 regarding protective filing and dependent applications. Also, POMS RS 00202.001 covers who may receive child's benefits. Mentioning these specific program operations manual references sometimes helps get more accurate information from representatives.

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