Working adults are required to pay a portion of their wages to the Social Security system. Part of these benefits are for retirement, but the other part of these benefits are for Social Security Disability Insurance. These benefits are then available to the working adult should the person suffer a disabling illness or injury. If the person does become disabled, this money could be used to pay the expenses that would normally be paid with the person’s wages.
In some situations, however, a working adult has a disabled child. When in this situation, you may wonder if your child can take advantage of the SSDI benefits that you have accrued. According to the Social Security Administration, the answer to this question depends on how old your child is. If your disabled child is under the age of 18 — or 19 if still in high school — the child will qualify to use your SSD benefits.
However, if your child is over the age of 18, then the question is more complicated. In this case, your child can only qualify for your SSD benefits if the child became disabled before the age of 22. Additionally, the SSA says your child must meet the adult standards for disability.
In these cases, the adult child cannot earn any substantial earnings and the parent must have met the work requirements for benefits. In these cases, the adult child will still be eligible for SSD benefits even if the person has never worked.
SSD and SSI benefits can be complicated for parents to try to figure out when they have a disabled child. The right combination of benefits, however, can greatly improve the child’s quality of life. While this post can only provide information, an attorney can provide specific advice for a person’s unique situation.