Should my disabled adult son's Social Security benefits increase with mine at 68? How long for adjustment?
I finally began collecting my retirement benefits last month at age 68. After years of helping my son (who's been disabled since age 24), I was relieved to finally get my own SS check. When I applied, I mentioned that my son receives SSDI benefits, and the Social Security rep told me his benefit amount should increase because of my higher benefit amount. He said I didn't need to complete any special paperwork since I included my son on my application. Here's what I'm confused about - my son's current monthly check is $1,275, while mine is $2,890. I was under the impression his benefit should increase to half of mine, but nothing has changed yet. It's been 6 weeks since my application was approved. How long should this adjustment take? Will they automatically increase his amount or do I need to call? And is it definitely supposed to be 50% of my benefit? I'm worried something fell through the cracks. Any insight from others who've gone through this process with disabled adult children would be greatly appreciated!
17 comments
Mei Zhang
It sounds like you're dealing with Disabled Adult Child (DAC) benefits, also called Childhood Disability Benefits. Your son might qualify for higher benefits on your record if his disability began before age 22 (you mentioned age 24, so that might be the issue). If he qualifies, he could receive up to 50% of your Primary Insurance Amount while you're alive. The adjustment should happen automatically, but in my experience, it can take 2-3 months for the change to process. The SSA computer systems don't always talk to each other efficiently. I'd recommend calling the SSA directly or using Claimyr (claimyr.com) to get through to a representative quickly. Their service helped me reach an actual person at SSA within 20 minutes after weeks of trying. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU Double-check with them about when your son's disability officially began according to their records. That could be the determining factor here.
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Jamal Anderson
•Thank you for that explanation! I may have mixed up the ages in my post. My son became disabled at 20, not 24 (sorry for the confusion - been a long day). So he should definitely qualify for the DAC benefits. It's good to know it might take 2-3 months - I'll try to be patient a little longer before panicking. If I don't see changes by next month, I'll definitely try that Claimyr service. Getting through to SSA has been nearly impossible lately. When they do adjust his benefit, will they backpay from when I started receiving my benefits?
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Liam McGuire
My daughter's in a simlar situation and it took FOUR MONTHS for her check to change!!! The SSA is sooooo slow with everything. And no they didnt do exactly half for her either, I think it depends on other factors. Just wait it out, but maybe call to confirm its in process.
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Jamal Anderson
•Four months?! Wow, that's longer than I hoped. Did they at least backpay the increased amount for those months once they finally processed it? I'm trying to budget for both of us and the uncertainty is stressful.
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Amara Eze
I work with Social Security claims, and there are several important points to understand here: 1. When your son's benefit is adjusted, it will be as a Disabled Adult Child (DAC) on your record. This applies because his disability began before age 22. 2. The maximum he can receive is 50% of your Primary Insurance Amount (PIA), which is actually LESS than your current check since you delayed claiming until 68 (which increased your benefit through delayed retirement credits). 3. There's also something called the Family Maximum Benefit (FMB) that might limit his payment to less than 50% if there are multiple dependents on your record. 4. This adjustment process typically takes 2-3 months, but can sometimes take longer due to SSA workloads. 5. When processed, any increase will be retroactive to when you became entitled to benefits. 6. The adjustment should happen automatically, but it's worth confirming it's in process. I recommend waiting one more month, then contacting SSA to verify the adjustment is being processed if you haven't seen changes. Be sure to specifically ask about the DAC benefit conversion.
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Liam McGuire
•Yes they did backpay my daughter for all the months!! Took forever but they did include it all once they fixed it.
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Giovanni Ricci
When my wife claimed her benefits, our disabled son's benefit increased too but it wasn't automatic like they said it would be! I had to make THREE trips to the office and file a separate application. Don't believe them when they say "no paperwork needed" - ALWAYS get something in writing and follow up! The SSA is a mess these days.
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Jamal Anderson
•That's concerning! I specifically asked if I needed to file separately for him and the rep insisted it would happen automatically since I included him on my application. Did you eventually get it resolved with the proper benefit amount? I really don't want to make multiple trips to the office if I can avoid it.
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NeonNomad
I went thru this with my son last year. Yes - it should be 50% of your PIA (not your actual payment), but there's a family maximum limit too. My son's increase took about 10 weeks to process. When it finally came through, they included back payments to when I started getting my retirement. Don't worry too much yet!
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Fatima Al-Hashemi
•This is not right! DAC benefits are supposed to be 75% of the parent's PIA, not 50%! At least that's what they told me at my local office. Has anyone else heard different percentages? Now I'm worried my son isn't getting the right amount!
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Dylan Mitchell
Just wanted to share that I was in this exact situation last year with my disabled daughter. It took about 3 months for her benefit to increase after I started receiving mine at 66. The most frustrating part was calling SSA - I spent HOURS on hold and kept getting disconnected. I finally tried using Claimyr (claimyr.com) after seeing it recommended on another thread here. They got me connected to an actual SSA representative in about 15 minutes! The rep confirmed everything was in process but needed one additional document. Totally worth it to avoid the endless hold times. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU Be patient, but definitely follow up if it goes beyond 3 months.
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Liam McGuire
•Does that claimyr thing really work?? I've been trying to call about my husband's application for WEEKS and keep getting disconnected!!
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Dylan Mitchell
•Yes, it actually does work! I was skeptical too but was desperate after spending literally 3 days trying to get through. They connected me to SSA in about 15 minutes. Was so relieved to finally talk to someone who could help with my daughter's benefits.
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NeonNomad
My brothers disabled and his payment is exactly half of my moms retirement check. But when she first filed it took almost 12 weeks for his payment to change. SSA is crazy slow with everything!! Just hang tight, they'll get to it eventually.
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Amara Eze
•Just to clarify a technical point - the benefit isn't half of your mother's actual retirement check, but half of her Primary Insurance Amount (PIA). This is an important distinction because if your mother claimed benefits after her Full Retirement Age, her actual check is larger than her PIA due to delayed retirement credits. These delayed credits don't increase dependent benefits. Similarly, if someone claims early, their check is reduced, but the dependent's 50% is based on the full PIA, not the reduced amount.
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Jamal Anderson
Thank you everyone for your helpful responses! I'm relieved to hear this delay seems normal, though frustrated it takes so long. I'll wait another month before taking action. To clarify - my son's disability definitely began before age 22 (he was 20), so it sounds like he should qualify for the DAC benefits at 50% of my PIA (not my actual increased benefit for delaying to 68). I'm also glad to hear they'll backpay the increased amount once it's processed. I'll update here when it finally goes through in case it helps someone else in the future!
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Mei Zhang
•That sounds like a good plan. One more thing - when the adjustment finally happens, double-check that they've calculated the correct amount. Sometimes there are errors. Your son's new benefit should be 50% of your PIA (minus any Medicare premiums). If the amount seems off, don't hesitate to question it. Good luck!
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