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When do Social Security child benefits stop for my son after divorce?

My situation has me completely stressed out about my son's future SS benefits. Ex-husband took early retirement in 2016 (at 62) and we divorced in 2017. I have full custody of our son who's now 14. My son receives Social Security dependent benefits each month which get deposited directly into my account since I'm his custodial parent. What I'm confused about is exactly WHEN these benefits will stop. Someone told me it's age 16, but someone else said it's when he graduates high school? The monthly payment is about $975 and I need to plan ahead financially since this is a significant part of our budget. I've tried calling SS twice but got disconnected after waiting forever. Does anyone know the cutoff age for child benefits in a situation like ours? Do I need to notify SSA of anything as he gets older? Will they just automatically stop the payments?

Sofia Morales

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Your son's benefits will continue until he turns 18, or 19 if he's still a full-time high school student. They don't stop at 16. As his representative payee, you'll need to complete annual accounting forms showing how the benefits were used for his care. When he approaches 17, you should receive a form asking about his high school status. If he'll still be in high school after 18, complete that form to extend benefits until graduation or age 19, whichever comes first.

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Dylan Cooper

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Thank you so much! That's a relief to know we have several more years. I've been filling out those annual forms but wasn't sure about the age cutoff. Does the SSA automatically know when he graduates or do I need to notify them?

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StarSailor

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my son got payments til he was 18 then they just stoped. nobody told us anything they just stoped showing up one day so be ready for that. the month they turn 18 is the last check i think

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Dylan Cooper

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Ugh, that sounds stressful to have them just suddenly stop! I'll definitely make note of his 18th birthday and prepare for that. Did you have to do anything to close the case or did they handle everything automatically?

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Dmitry Ivanov

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Wait I thought children only get survivor benefits if the parent is deceased? Your ex is still alive but retired right? Are you sure these are Social Security benefits and not some kind of child support arrangement through the court? Just confused about your situation.

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Ava Garcia

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Children can receive Social Security benefits based on a retired parent's record too, not just for deceased parents. If the parent is receiving retirement or disability benefits, their unmarried children under 18 (or up to 19 if still in high school) can qualify for auxiliary benefits. It's separate from court-ordered child support.

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Miguel Silva

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Your son will stop receiving benefits when he turns 18 UNLESS he is still in high school full-time, then it continues until graduation or he turns 19, whichever comes first. Keep every letter Social Security sends you! When your son is around 17.5, SSA should send a form asking about his school status. If you don't receive this form, call them or visit an office about 3 months before his 18th birthday. Also, as the representative payee, you should be completing an annual Representative Payee Report showing how the benefits were used for your son. Make sure you're keeping good records - food, housing, clothing, medical expenses, education, etc. SSA can audit you and request proof of how funds were spent.

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Dylan Cooper

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I do keep all the notices and complete those payee reports every year. Good tip about watching for that form at 17.5 - I'll mark my calendar. Does his benefit amount ever change before it ends? It's been the same since we started receiving it.

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Zainab Ismail

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My daughter got benefits from her dad too till 18 but she dropped out of school at 17 and they made us pay back 4 months because I didn't tell them fast enough! Be careful about that.

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Dylan Cooper

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Oh no! That's terrible you had to pay back so much. Thanks for the warning - I'll definitely report any changes in his school status immediately.

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Connor O'Neill

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I'm going through almost the exact same situation! Ex took early retirement and my son (16) gets benefits. I found out that for benefits to continue past 18, they send a form called "Student Statement Regarding School Attendance" about 3-4 months before they turn 18. Then your son needs to have a school official complete part of it to verify full-time attendance. Also, have you tried using Claimyr to reach someone at Social Security? After wasting hours on hold, I found claimyr.com and their service actually got me through to a real person at SSA in about 15 minutes. They have a video demo at https://youtu.be/Z-BRbJw3puU that shows how it works. It saved me so much frustration when I had questions about my son's benefits.

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Dylan Cooper

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That's super helpful to know about the Student Statement form - thank you! And no, I've never heard of Claimyr before but I'll definitely check it out. The hold times with SSA are absolutely ridiculous, so anything that helps with that would be amazing.

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Ava Garcia

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Some important points to clarify: 1. Benefits continue until age 18, or 19 if still in high school 2. Benefits terminate the MONTH BEFORE your child turns 18 (not the month of the birthday) 3. If your child has disabilities that began before age 22, benefits may continue into adulthood 4. For divorced parents, it doesn't matter who has custody - benefits are based on the retired parent's record 5. The maximum family benefit rules may apply (there's a cap on total benefits paid on one worker's record) SSA should send a notice about 3 months before termination, but don't count on it. I always recommend clients proactively contact SSA about 4-5 months before the child turns 18 to understand exactly when benefits will end and to get the proper forms if high school attendance will continue.

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Dmitry Ivanov

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So what happens if the kid is 18 but still in high school and then graduates in June? Do the benefits stop immediately after graduation?

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Ava Garcia

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Yes, if a student graduates in June, the last payment they would receive would be for the month of June. Benefits terminate either the month they graduate or the month before they turn 19, whichever comes first.

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StarSailor

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make sure your keeping the money seprate from yours!!! my brother got in big trouble for mixing the kids SS money with his own money. SS says you need a seprate account for just the kids benefits

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Miguel Silva

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This isn't strictly required by SSA, but it is strongly recommended. Having a separate account makes completing the annual Representative Payee Report much easier and provides clear documentation if you're ever audited. You can use the child's funds for their food, housing, clothing, medical care, and personal needs - just keep good records.

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Dmitry Ivanov

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Does your divorce decree say anything about these benefits? Sometimes judges will reduce child support if the kid is getting SS payments from the retired parent's record. Just wondering if this is impacting how much your ex pays in support?

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Dylan Cooper

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Yes, the court did take the SS benefits into account when calculating child support. His monthly child support obligation was reduced because of these benefits, which is why I'm so concerned about planning for when they stop. We'll need to go back to court to modify the support order once the benefits end.

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