» » Social Security Benefits for Children: Who Qualifies and How to Apply Your child could be eligible to receive a portion of your full benefit amount. Here's how to find out.

Social Security Benefits for Children: Who Qualifies and How to Apply Your child could be eligible to receive a portion of your full benefit amount. Here's how to find out.

Social Security Benefits for Children: Who Qualifies and How to Apply Your child could be eligible to receive a portion of your full benefit amount. Here's how to find out.

In the event you obtain Social Safety Incapacity Insurance coverage or are eligible to obtain retirement advantages and have children, it is attainable your youngsters may additionally qualify for advantages. These are known as Social Safety Kid’s Insurance coverage Advantages, which the Social Safety Administration disburses to youngsters so long as one mum or dad is entitled to obtain advantages. 

That is to “assist to stabilize the household’s monetary future,” the SSA says. The Social Safety cash for youngsters can be designed to assist present requirements to children whereas they’re nonetheless enrolled at school.

We’ll clarify easy methods to discover out in case your little one is eligible to obtain Social Safety advantages and the way a lot they might get. We’ll additionally inform you the fee schedule. For extra, here is why Supplemental Safety Revenue recipients are getting their COLA improve in December.

How a lot may my little one obtain from Social Safety advantages?

In case your little one is eligible for advantages, they might obtain as much as half of the total retirement or incapacity advantages you are presently getting. If a baby is eligible for survivors advantages, they’ll rise up to 75% of the deceased mum or dad’s primary Social Safety profit. 

Nonetheless, there is a restrict to how a lot your loved ones can obtain from Social Safety. If the full quantity payable to all members of the family exceeds a sure restrict (between 150% and 180% of the mum or dad’s full profit quantity), every individual’s profit is decreased proportionately till the full equals the utmost allowable quantity. 

Because the mum or dad, your profit quantity won’t be decreased as a result of it is not a part of the utmost allowable quantity. 

Is my little one eligible for advantages?

To qualify for Social Safety Kid’s Insurance coverage Advantages, you and your little one should meet sure necessities. As a mum or dad, you should have labored and earned sufficient Social Safety credit (at the least 40 credit), and you should even be eligible to obtain Social Safety retirement or incapacity advantages. Kids may also obtain advantages if they’ve a deceased mum or dad.

For a kid to qualify for advantages, they should be single, depending on the mum or dad and should meet at the least one of many following standards.

  • They’re below age 18.
  • They’re 18 or 19 years previous and a full-time scholar in highschool.
  • They’re age 18 or older with a incapacity that started earlier than age 22.

You possibly can examine your kid’s eligibility by utilizing the Social Safety Administration’s screening device.

How do I apply for Social Safety advantages for my little one?

Sadly, you possibly can’t apply for little one advantages on-line. As a substitute, you possibly can name the Social Safety workplace at 1-800-772-1213 or go to your native Social Safety workplace. Be sure to have the next paperwork readily available.

  • Your kid’s start certificates or different proof of start or adoption.
  • Proof of marriage to the kid’s pure or adoptive mum or dad, if they’re your stepchild.
  • Proof of the kid’s US citizenship or lawful alien standing if the kid was not born within the US.
  • W-2 kinds and/or self-employment tax returns if the kid had earnings final yr. 
  • If the mum or dad is deceased, it’s possible you’ll want proof of the mum or dad’s dying.

For an grownup little one with disabilities, you will want to finish kinds SSA-338 (PDF) — describes your kid’s medical situation — and SSA-827 — authorizes disclosure of knowledge to the SSA.

Social Safety Kid’s Insurance coverage fee schedule

In case your little one is eligible and may begin receiving advantages, the fee schedule will comply with yours. Notice that you’re going to obtain the funds individually however on the identical day to assist differentiate the advantages. 

  • In the event you began receiving Social Safety advantages earlier than Could 1997, or when you obtain each Social Safety and SSI, their Social Safety fee will arrive on the third day of every month.
  • In case your birthday falls between the first and 10th of the month, their fee shall be despatched out on the second Wednesday of the month.
  • In case your birthday falls between the 11th and 20th of the month, their fee shall be despatched out on the third Wednesday of the month.
  • In case your birthday falls between the 21st and 31st of the month, their fee shall be despatched out on the fourth Wednesday of the month.

Here is the total Social Safety fee schedule. For extra, use our final Social Safety cheat sheet as a information to your advantages.

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