Can My Child Collect SSDI Benefits on My Behalf if I Am Disabled and Do Not Live With Them?

Many parents with disabilities often wonder how their children can benefit from SSDI (Social Security Disability Insurance). This article will address common questions, particularly if the child does not live with the parent who is receiving SSDI benefits.

Understanding Child Benefits under SSDI

Children can indeed collect Child Auxiliary Benefits under SSDI, even if they do not live with the parent receiving the benefits. These benefits are available for biological, adopted, or stepchildren and are provided until the child turns 18, unless they are still enrolled in high school. The benefit amount is shared among all eligible children in the family.

How Do Child Benefits Work?

When a child is receiving benefits based on the parent's SSDI record, they are referred to as dependents benefits. These benefits are typically calculated as up to 50% of the parents' monthly benefit, subject to a family maximum. The child can receive these benefits until they turn 18, or until they turn 19 if they are enrolled in full-time high school. If a child marries, however, the benefits will cease.

Child Support Considerations

It is worth noting that if there is a child support order in place, the child can still collect these benefits, provided they meet the eligibility criteria. This can be a crucial source of support for children depending on a parent who is disabled.

Survivor's Benefits

Should the parent with SSDI pass away, their dependent children can receive Survivor's Benefits. However, if the child does not live with the parent, they may need to apply for these benefits. The SSA website can provide detailed guidance on this process.

Key Points to Remember

Child benefits can be paid to non-cohabiting children, as long as they meet the eligibility criteria. Child benefits continue until the child turns 18, or 19 for full-time high school students. Survivor's benefits may apply if the parent with SSDI dies.

In conclusion, if you are a parent receiving SSDI and you have children who do not live with you, they can still collect child benefits. It's essential to verify the specific eligibility criteria and application processes through the SSA website.