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Niko Ramsey

Social Security rejected my disabled daughter's CDB benefits claiming disability started after 22 - but she's had SSI since age 18

I'm at my wit's end with the Social Security Administration! My daughter (now 29) has been disabled since birth with severe autism and has received SSI since she was 18. I recently retired and applied for my retirement benefits, so I also applied for Childhood Disability Benefits (previously called DAC) for my daughter. Yesterday I got a denial letter saying she "doesn't qualify because she wasn't disabled before age 22" - which is absolutely FALSE. She's been on SSI for 11 years already! We have extensive medical documentation from psychiatrists dating back to when she was 7 years old, including three hospitalizations before she turned 22. Her SSI award letter clearly states her disability onset date as 6/2013 when she was 18. It seems like they didn't even look at the medical records we submitted with the application. Has anyone dealt with this kind of error before? Should I file a reconsideration, call the national number, or try to schedule an in-person appointment at our local office? I'm terrified this will drag on for months while she could be receiving higher benefits on my record.

This is definitely worth fighting. If your daughter was determined disabled by SSA for SSI before age 22, she should qualify for CDB (Child's Disability Benefits) on your record. The fact that she's been receiving SSI since age 18 means SSA already determined she was disabled before 22. You need to file for reconsideration immediately and specifically reference her SSI award letter with the onset date. Include copies of her past medical records again. Sometimes different parts of SSA don't communicate well with each other, so the retirement side might not have accessed her SSI disability determination. An in-person appointment could help too.

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Niko Ramsey

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Thank you for confirming I'm not crazy! I'll file the reconsideration ASAP. Should I also try to get a copy of her actual disability determination from when she first got SSI? I'm worried they'll just deny us again without looking at the evidence.

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Jabari-Jo

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my son went through similar bs!! they claimed he wasnt disabled before 22 even tho he was in special ed his ENTIRE LIFE and got SSI at 19. we had to appeal TWICE before someone actually looked at his records. dont give up!!!

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Niko Ramsey

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That's so frustrating but gives me hope! How long did the appeals process take for you? Did you use a lawyer?

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Jabari-Jo

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took almost 9 months total but we won eventually. no lawyer just kept sending ALL his records over and over til someone read them lol

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Kristin Frank

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You definitely need to file a reconsideration and be very specific about the evidence. Make sure to highlight these key points: 1. Your daughter has an established onset date of disability at age 18 per her SSI approval 2. SSA has already made a disability determination through the SSI program 3. She meets the requirement of being disabled before age 22 One thing to note - for CDB benefits, your daughter must also not be married and must meet the Social Security definition of disability. The disability requirement should already be satisfied through her SSI approval, but sometimes the systems don't communicate properly between departments. I'd recommend scheduling an in-person appointment at your local office and bringing all documentation with you, including her original SSI award letter showing the onset date.

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Niko Ramsey

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Thank you for the detailed advice. She's never been married, so that's not an issue. I'll definitely highlight those three key points in the reconsideration. I'm hoping an in-person appointment will help sort this out faster.

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Micah Trail

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I went through this EXACT situation with my son last year. The problem is that sometimes the Retirement and Survivors department doesn't properly check with the Disability department when making these determinations. What worked for me was calling the national number and specifically requesting that they look up my son's disability onset date in the system. The rep confirmed it was in there from his SSI application (showing disabled before 22) and made notes in the system. I then had to file a reconsideration, and it was approved within a few weeks once the correct information was accessed. Try calling 1-800-772-1213, but be prepared to wait on hold for hours. I'd also suggest bringing all documentation to your local office in person.

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Niko Ramsey

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It's both frustrating and reassuring to hear I'm not alone in this! I'll definitely try the national number, but those wait times are brutal. Last time I called I waited 3.5 hours before getting disconnected.

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Nia Watson

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this happens all the time with SSA!!! your gonna have to FIGHT THE SYSTEM my friend. they denied my brothers DAC claim 3 times even tho he has been on SSI since he was 12!!!! its like the left hand dont know what the right hand is doing there. keep pushing and documenting EVERYTHING

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While it can certainly feel frustrating, it's important to note that CDB/DAC claims do require a separate disability determination, even if the person has been on SSI previously. This is because the SSI and SSDI programs technically have separate funding sources and regulations, although they share the same disability criteria. The problem often occurs in the evidence transfer between departments. Another thing to consider is that SSI redeterminations at age 18 sometimes use different criteria than childhood SSI, which might be causing confusion in some cases. However, if the original poster's daughter was determined disabled for SSI at age 18, this should be straightforward proof for her CDB claim.

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One more important thing to note - when you file your reconsideration, make sure to specifically request that they pull your daughter's electronic disability folder from the SSI determination. This contains all the medical evidence that was already used to find her disabled for SSI purposes. Also, request a copy of her official SSI disability determination (not just the award letter) if you don't already have it. This will have the specific findings about her limitations and medical conditions that were used to approve her SSI.

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Niko Ramsey

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That's extremely helpful advice. I didn't know I could specifically ask them to pull her electronic folder. Would I put that request directly on the reconsideration form, or should I attach a separate letter explaining everything in detail?

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Both! Put it directly on the form in the section where you explain why you disagree with the decision, and also attach a detailed letter. I'd phrase it something like: "I request that SSA access my daughter's electronic disability folder from her SSI application and determination in 2013, which contains medical evidence proving disability prior to age 22." Then in your attached letter, go into more detail and include copies of whatever documentation you already have. The more specific you are, the better.

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Marcus Marsh

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my cousins kid got denied too and she had to go to her congress person to get it fixed! sometimes thats faster than dealing with ssa directly

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Jabari-Jo

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thats actually good advice i contacted my senators office for my sons case too and they helped speed things up!!!

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I'd like to clarify something important: for Child's Disability Benefits (CDB, formerly called DAC), there are three main requirements: 1. The child must be unmarried 2. The child must be disabled according to SSA's definition before age 22 3. The parent must be receiving Social Security retirement or disability benefits, or be deceased In your case, since your daughter has been receiving SSI since age 18 and has an established onset date before age 22, you should focus your reconsideration on this fact. Request a copy of the "Disability Determination Explanation" from her SSI case if possible - this is different from just the award letter and contains the medical basis for her disability finding. Also, be aware that if she gets approved for CDB, her monthly benefit amount will likely be higher than SSI, and she may lose SSI eligibility due to the higher income (which is actually a good thing overall). However, she would maintain her Medicaid eligibility through special provisions for people who lose SSI due to receiving CDB benefits. Finally, CDB benefits can include back pay to the date of your retirement, so this is worth pursuing even if it takes some time.

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Niko Ramsey

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Thank you for this detailed explanation. Yes, we're aware she'd lose SSI with the higher CDB benefit, which is exactly what we want since the benefit would be substantially higher. I didn't know about requesting the "Disability Determination Explanation" - that's really helpful information!

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GalacticGuru

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I'm so sorry you're dealing with this bureaucratic nightmare! As someone who works in disability advocacy, I see this type of error unfortunately often. The good news is that you have a very strong case since your daughter already has an established disability determination through SSI. Here's what I'd recommend doing immediately: 1. File the reconsideration within 60 days of the denial date 2. In your appeal, specifically state: "SSA has already determined my daughter was disabled before age 22 through her SSI approval in 2013" 3. Request that they access her complete SSI disability file and cross-reference it with the CDB application 4. Include copies of her SSI award letter showing the onset date Also consider reaching out to your local disability advocacy organization - many offer free help with SSA appeals and know exactly how to phrase these requests to get results. The fact that she's been receiving SSI for 11 years should make this a straightforward approval once the right person reviews the case. Don't let them wear you down - you're absolutely in the right here!

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NightOwl42

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This is incredibly helpful advice! As someone new to navigating SSA appeals, I really appreciate the step-by-step breakdown. Do you know how I can find local disability advocacy organizations in my area? I'm in Ohio if that helps. Having someone who knows the system help with the appeal sounds like it could make a huge difference.

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Caden Nguyen

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I'm a newcomer here but wanted to share my experience since I just went through something very similar. My daughter was also denied CDB benefits despite having been on SSI since age 19. What ultimately worked for us was being extremely persistent and detailed in our reconsideration request. Here's what I learned that might help you: 1. Call SSA and ask them to create a "remarks" entry in your daughter's file noting that she has an existing SSI disability determination from 2013 with an onset before age 22 2. When filing your reconsideration, attach a timeline showing her disability history (SSI application date, approval date, onset date, etc.) 3. Consider requesting expedited processing due to the clear administrative error The whole process took about 4 months for us, but we eventually got approved with full back pay. The key was making it crystal clear that this wasn't a new disability determination - SSA had already made that finding years ago for SSI purposes. Stay strong and don't give up! You're fighting for benefits your daughter is legally entitled to.

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Thank you so much for sharing your experience! It's really encouraging to hear that you got approved with full back pay after going through the same situation. I love the idea of creating a timeline - that seems like it would make the case crystal clear for whoever reviews it. Did you have to call multiple times to get them to add the remarks entry to her file, or were they cooperative about that? I'm definitely going to request expedited processing since this really does seem like an obvious administrative error. Four months feels long but manageable knowing there's light at the end of the tunnel!

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I'm new to this community but wanted to share some additional resources that might help. If you're having trouble getting through to SSA by phone, you can also try contacting your local Social Security office directly - sometimes they're less busy than the national line. Also, make sure to keep detailed records of every interaction you have with SSA during this process. Write down dates, times, names of representatives you speak with, and what was discussed. This documentation can be crucial if you need to escalate further. One thing that helped me when dealing with a similar bureaucratic mix-up was sending everything via certified mail so I had proof of delivery. That way there's no question about whether they received your reconsideration paperwork. You've got a solid case here - the fact that she's been receiving SSI for over a decade with a documented onset date before age 22 should make this straightforward once the right person reviews it. Don't let them discourage you!

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Madison King

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This is such valuable practical advice! I hadn't thought about using certified mail, but that's brilliant for creating a paper trail. I'm definitely going to start documenting every conversation from now on - I wish I had thought to do that from the beginning. The idea of trying the local office directly is also really helpful since I've had such terrible luck with the national number. Thank you for taking the time to share these tips as a newcomer - it really shows how supportive this community is!

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I'm new here but wanted to add that you should also consider requesting a "protective filing" for your daughter's CDB benefits if you haven't already. This ensures that if/when the benefits are eventually approved, they'll be backdated to when you first applied rather than when the appeal is resolved. Also, one strategy that worked for a friend of mine in a similar situation was to specifically ask the SSA representative to look up your daughter's "Master Beneficiary Record" (MBR) which should show her complete SSI history including the disability determination. Sometimes referencing the specific system they need to check can help get faster results. The fact that they're claiming she wasn't disabled before 22 when she's literally been receiving disability benefits since 18 is mind-boggling. You're absolutely right to fight this - it's not just about the money, it's about getting the correct determination that your daughter deserves.

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