If you have a disabled child, you already may be aware that your child will never be able to be fully financially independent as an adult, due to the disability. If you are nearing the age of retirement, this may especially be of concern to you, as you may be wondering how you will be able to continue caring for your child. Fortunately, there are options available to you, including Social Security Disability (SSD) benefits.
If your child meets the Social Security Administration’s definition of “disabled,” your child may receive disability benefits. In most cases, these benefits are available to your child for the remainder of his or her lifetime. If your child is an adult, he or she may be entitled to receive benefits even if he or she has a job, which can allow your child to contribute to society while receiving the stability of benefits. However, this assumes that your child’s earnings do not qualify as “substantial earnings,” which is currently $1,090 per month.
In addition, some disabled children may be able to qualify for additional Social Security retirement benefits under you or your spouse’s work record. Children who qualify may receive up to half of your full retirement benefit. However, there is a family limit that caps the amount of benefits that the family may receive as a whole.
Since living with a disability is expensive since it often involves ongoing medical care, it is vital for parents with disabled children to learn about their support options. An experienced Social Security Disability attorney can explain your options to you and help you build a comprehensive plan to address your family’s needs.