Benefits are available to minor children of Social Security Disability Insurance beneficiaries.
Continue reading to learn more about how children of handicapped parents can receive SSDI payments and what criteria affect the amount they receive if you’re unsure if you or someone in your neighborhood qualifies.
How Much SSDI Do Children Receive From Parents?
First and foremost, you must fulfill the following requirements in order to be eligible for SSDI benefits as a dependent child:
The individual must be single.
Age: Applicants must be under the age of 18, between the ages of 18 and 19, and enrolled full-time in school (no higher than grade 12), or they must be 18 or older and incapacitated due to a medical condition that began before the age of 22.
A dependent child’s eligibility for benefits is determined by the Social Security earnings history of their disabled parent. A minor child is often entitled to up to 50% of their parent’s monthly payment.
However, the precise sum is determined by the parent’s history of lifetime earnings.
The parent’s and the child’s monthly payments increase in proportion to the parent’s income.
For instance, a dependent kid may receive $700 per month if a parent’s average indexed monthly earnings (AIME) are $3,000 and they receive an SSDI payment of roughly $1,400 each month.
The youngster could receive $1,050 per month if the parent made twice as much, which would equal a disability payment of $2,100 per month.
There is a maximum monthly family payout, which should be noted.
The benefits will be split between any minor children who reside in the home.
For instance, if there were three minor children living in the household and the monthly benefit for one child was $1,050, each child would receive $350.
A dependent minor child may be eligible for survivors benefits if their deceased parent was receiving SSDI benefits or had accrued enough Social Security credits to be eligible for payments at the time of their death.
These benefits cannot exceed the family maximum, although they may equal up to 75% of the parent’s monthly payment.
Understanding the maximum household benefit amount is essential. It makes sure that the total amount of benefits paid each month does not go above a specific threshold.
The maximum family benefit is typically 150% of the total monthly check of the disabled parent.
The parent’s average indexed monthly earnings are determined based on their earnings history over a number of years, however this limit cannot be greater than 85% of those figures.