Will working full-time affect my daughter's CIC Social Security survivors benefits after she's deemed disabled at 16?

You're asking a really important question that many parents face. Here's what happens: when your child turns 16, you will indeed lose your mother's benefits unless you are caring for another child who is under 16 or disabled. This is because mother's/father's benefits on a deceased worker's record only continue as long as you have a child under 16 or disabled in your care. Your daughter, however, can continue receiving survivor's benefits if she's deemed disabled before age 22. You're right that at 16 you need to have SSA deem her disabled to continue her benefits without interruption. This is different from adult disability (SSI/SSDI) which she can apply for at 18. As for your work situation - your earnings won't affect your daughter's survivor benefits at all. Once she's deemed disabled, her benefits continue regardless of your income. So you can definitely work full-time without worrying about her losing her benefits.

My son went thru simlar situation!! we did the paperwork when he turn 16 for dissabled child benefits, but the wait was SO LONG I almost lost my house!!! they backdated it when approved but took 7 MONTHS!! make sure u start the application like 6 months before her birthday!!!

You're dealing with what's called the "childhood disability benefits" (CDB) process. To clarify some key points: 1. You are receiving mother's benefits, which will terminate when your daughter turns 16 unless she's deemed disabled before that date. 2. Your daughter is receiving child's survivor benefits, which normally terminate at 18 (19 if still in high school). 3. To continue her benefits beyond 18 without interruption, she needs to be deemed disabled before age 22 (the CDB determination). 4. This determination can be made as early as age 16, which is what you want to pursue. You should immediately contact SSA to initiate the CDB process. The determination uses the adult disability criteria, and the process can take 3-6 months or longer. You want this determination completed BEFORE she turns 16 to avoid any potential gap in your benefits. Regarding work: Once you lose your mother's benefits, your earnings won't affect your daughter's survivor benefits at all. However, if she later applies for SSI at 18 (which is means-tested), household income could affect that. But regular survivor benefits or SSDI as a disabled adult child (DAC) won't be affected by your income.

Same boat last year, feel your pain... you WILL lose your check when she turns 16, no way around it. Mine was $1200/mo gone overnight. Start budgeting now! I picked up extra hours but still struggling. The good news is they approved my daughter pretty quick, like 2 months, but every case different I guess

OMG dealing with social security is THE WORST!!! i spent MONTHS trying to get someone on the phone when my husband died. always busy signals or on hold for 3 hours then disconnected!!! finally i found a service called Claimyr that got me through to an actual person in under 15 minutes!!! saved my sanity!! they have a video that shows how it works here: https://youtu.be/Z-BRbJw3puU from what the agent told me when i finally got through, your benefits stop at 16 but your daughter's continue if she's deemed disabled. there's a special form you need. the website couldn't help me but the phone person knew exactly what to do.

I work for a disability advocacy organization, so I deal with these situations regularly. Here's what you need to know: 1. You WILL lose your mother's benefits when your daughter turns 16. This is automatic and cannot be extended. 2. The childhood disability determination should be initiated around 4-5 months before she turns 16. While the determination cannot be finalized until she's 16, the paperwork and medical evidence collection can begin earlier. 3. Your income will NOT affect her survivors benefits once she's deemed disabled. She'll continue receiving them regardless of your earnings. 4. The disabled adult child determination (for benefits past 18) is separate but will use much of the same evidence. If approved at 16, she's likely to be approved at 18 too. 5. Keep copies of EVERYTHING and start gathering all her medical records now. Get statements from her doctors about her long-term prognosis and limitations. One important tip: Begin identifying all her medical providers and getting their contact information now. The determination will go much faster if you provide comprehensive medical documentation upfront rather than waiting for SSA to collect it. Plan for your benefits to stop, but know that your increased income won't jeopardize hers.

To address the conflicting information above: You CAN begin the application process before age 16, but the disability determination itself can't be finalized until she reaches 16. The process involves: 1. Form SSA-4-BK (Application for Child's Benefits) 2. Form SSA-3368-BK (Adult Disability Report) 3. Form SSA-827 (Authorization to Disclose Information) Since the process takes months, starting early is crucial. Your local office should accept these forms before her 16th birthday with the understanding that the determination can only be made once she turns 16. Regarding your benefits: Yes, your mother's benefits will terminate when she turns 16. This is based on Section 202(g) of the Social Security Act, which limits mother's/father's benefits to those with a child under 16 or disabled in their care.

Working more hours helped but didn't make up for everything. I had to cut back on everything - cheaper phone plan, cancelled streaming services, etc. The childcare thing is tough. My daughter needs specialized care which is $$$$. You might qualify for some state programs now that you'll be lower income with just her benefit. Check your state's disability services!

Has anybody here had their child denied at the 16 year determination? My friend's son got denied even though he has documented disabilities and she's freaking out about it. I'm worried the same could happen to my nephew when he turns 16 next year.

Another consideration: once your daughter turns 18, even if she continues on survivor's benefits as a disabled adult child (DAC), she might also qualify for SSI if those survivor benefits are below the maximum federal benefit rate (currently $943/month for 2023). Also, when she turns 18, think about whether you should become her representative payee. If her disabilities affect her ability to manage finances, having you continue as her payee might be best. SSA will evaluate this when she transitions to adult benefits. Regarding work - some parents in your situation find that working full-time actually improves their overall financial situation because of benefits like health insurance and retirement contributions, even after accounting for the loss of SS benefits. It's worth doing a complete financial analysis.