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Social Security Disability children's benefits percentage and backpay for 5 years?

Can anyone help with understanding the children's benefits from SSDI? My brother just got approved for disability after fighting for 5 years (thank goodness!!). He has two kids (8 and 11) and we're trying to figure out what they might get. Does anyone know what percentage of his benefit amount the kids would receive? Also wondering about the backpay situation - since he's getting 5 years of backpay, will his children also get backpay for that whole period? The SSA website is so confusing on this and we can't get through on the phone. Thanks for any info!

Omar Farouk

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Congratulations to your brother! Each eligible child can receive up to 50% of the parent's disability benefit. However, there's something called the family maximum benefit that usually caps the total family benefits at 150-180% of the disabled worker's benefit. So if your brother gets $2000/month, his two kids won't get $1000 each - they'd likely get somewhat less due to the family maximum. As for backpay - yes, the children can receive retroactive payments, but there are some limitations. The children's benefits can only go back to when the application for the children was filed, or when your brother's disability entitlement began, whichever is later.

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Freya Andersen

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Thank you! That's really helpful. I don't think he's filed anything for the kids yet - he just got the approval letter last week. So if he applies for them now, they wouldn't get the full 5 years of backpay? That seems unfair since he's been disabled this whole time.

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CosmicCadet

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I been thru this!! Tell your brother to file for the kids IMMEDIATELY!!! The longer he waits the more money they miss out on. My 2 kids got benefits when I was approved but we lost like 8 months of backpay cause I didn't know I had to apply separate for them... It's so stupid they don't tell you this stuff!!

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Freya Andersen

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Oh no! I'll tell him to file for them right away. Do you remember if there was a specific form he needs? Or does he just call SSA?

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Chloe Harris

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The benefit for each child is calculated at 50% of the parent's Primary Insurance Amount (PIA), but the family maximum limit will likely reduce this. The family max is typically between 150-180% of the disabled worker's benefit, though exact formula is complex and depends on the specific PIA amount. For backpay: children's benefits generally start from the date of application for the children, not from the parent's disability onset date. This is a critical distinction. If your brother was just approved after a 5-year wait, but hasn't applied for benefits for his children yet, their eligibility would only begin once he files for them. He should immediately file applications for Child's Benefits (Form SSA-4-BK) for each child. He'll need their birth certificates, Social Security numbers, and his own information.

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Diego Mendoza

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I had a similar situation with my SSDI and the family maximum meant my 3 kids didn't each get the full 50%. With the 150-180% cap, they ended up sharing what was left after subtracting my benefit amount. So with 2 kids, they might each get around 25-30% instead of the full 50% each. The SSA representative explained it's based on a formula that changes at different benefit levels.

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My kids got benifits when I got my SSDI but we only got like 2 years backdated even tho i had 4 years of backpay. The SSA office said something about how they only go back a certian amount of time for kids. i forget the exact rule but there definately IS a limit.

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Sean Flanagan

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I'd recommend your brother contact SSA directly about this situation, but unfortunately that's easier said than done these days. The phone lines are constantly jammed, and it can take weeks to get an appointment at a local office. I recently discovered a service called Claimyr (claimyr.com) that helped me get through to SSA when I was in a similar situation with my disability backpay questions. They basically help you skip the phone wait times. I was skeptical at first, but they got me connected to an agent in about 15 minutes when I had been trying for days on my own. You can see how it works in their video demo: https://youtu.be/Z-BRbJw3puU Once your brother can actually speak with an SSA representative, they can look at his specific case details and give accurate information about the children's benefits, including exactly how much backpay they might be eligible for based on his specific timeline and when he applies for the kids.

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Freya Andersen

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Thanks for this suggestion! He's been trying to call for days with no luck. I'll check out that service - at this point anything would be better than the constant busy signals and disconnections he's getting.

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Zara Shah

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The SSA rules can be SO frustrating!!! When my husband got SSDI our daughter only got benefits back to when we applied for her even though we applied as soon as we found out we could. Nobody told us!!! MAKE SURE your brother files for those kids ASAP!!! The SSA won't volunteer this info and every month he waits is $$$ lost!!!

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dose anyone know if the kids money counts for snap benifits? were on food stamps and im worried if my kids get ssdi money we'll lose our food stamps

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Chloe Harris

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This is getting off-topic from the original question, but yes, children's Social Security benefits typically count as household income for SNAP (food stamps) eligibility. However, benefit calculations are complex and vary by state, so you should check with your local SNAP office about your specific situation.

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Diego Mendoza

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Something important to know is that the backpay for children is limited to 6 months prior to the application date for Child's Benefits. So even if your brother gets 5 years of backpay, the most his children can get is 6 months retroactive from when he applies for them. This is different from the retroactive payment rules for the disabled worker. This is exactly why it's crucial to apply for the children right away. Every month he waits is a month of benefits they'll never get back.

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Freya Andersen

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Thank you - this is really important information! He had no idea there was a 6-month limit on the kids' backpay. I'll tell him to file their applications immediately. Is this something he can do online or does he have to call/visit an office?

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Diego Mendoza

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Unfortunately, child's benefits applications usually can't be done online. He'll need to call the SSA to schedule either a phone or in-person appointment. That's where most people run into problems with the wait times.

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NebulaNomad

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I just went through this exact process last year! The representative who handled my case told me that children's benefits have a rule called "one-year retroactivity" which means they can only get backpay for up to 12 months before the application date, not the full disability period. But honestly I've heard different things from different SSA people so your brother should definitely confirm this directly with them.

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CosmicCadet

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Don't forget you need seperate bank accounts for kids benfits!!! SSA made me open seperate accounts for my kids money cuz they said the parents cant use that money except for the kids stuff. And they do check!!!!

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Freya Andersen

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That's good to know! My brother was wondering how the payments work. He'll set up accounts for them once he gets this all sorted out.

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