Adults Disabled Before Age 22
An adult who has a disability that began before age 22 may be eligible for benefits if a parent is deceased or starts receiving retirement or disability benefits. We consider this a “child’s” benefit because it is paid on a parent’s Social Security earnings record.
The disabled “adult child” including an adopted child, or, in some cases, a stepchild, grandchild, or step grandchild must be unmarried, age 18 or older, have a disability that started before age 22, and meet the definition of disability for adults.
It is not necessary that the disabled “adult child” ever worked. Benefits are paid based on the parent’s earnings record.
- A disabled “adult child” must not have substantial earnings. The amount of earnings we consider “substantial” increases each year. In 2021, this means working and earning more than $1,310 a month.
You Or Your Family Members May Be Eligible For Increased Benefits
Our mission is to deliver Social Security services that meet the changing needs of the public.
It’s not unusual for a benefit recipient’s circumstances to change after they apply or became eligible for benefits. If you, or a family member, receive Social Security or Supplemental Security Income , certain life changes may affect eligibility for an increase in your federal benefits. For example, if your spouse or ex-spouse dies, you may become eligible for a higher Social Security benefit.
To find out if you, or a family member, might be eligible for a benefit based on another persons work, or a higher benefit based on your own work, see the information about benefits on the Social Security website. You can also use the Benefit Eligibility Screening Tool to find out if you could get benefits that Social Security administers. Based on your answers to questions, this tool will list benefits for which you might be eligible and tell you more information about how to qualify and apply.
The questions and answers below are about a few of the life changes that could possibly increase your benefits.
The Disability Application Process
Whether you apply online, by phone, or in person, the disability benefits application process follows these general steps:
- You gather the information and documents you need to apply. We recommend you print and review the . It will help you gather the information you need to complete the application.
- You complete and submit your application.
- We review your application to make sure you meet some for disability benefits.
- We check whether you worked enough years to qualify.
- We evaluate any current work activities.
- We process your application and forward your case to the Disability Determination Services office in your state.
- This State agency makes the disability determination decision.
To learn more about who decides if you are disabled, read our publication .
Once You’ve Applied
Once we receive your application, well review it and contact you if we have questions. We might request additional documents from you before we can proceed
Look For Our Response
Youll receive a letter in the mail with our decision. If you included information about other family members when you applied, well let you know if they may be able to receive benefits on your record.
Check The Status
You can check the status of your application online using your personal mySocial Security account. If you are unable to check your status online, you can call us 1-800-772-1213 from 8:00 a.m. to 7:00 p.m., Monday through Friday.
Appeal A Decision
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S For Obtaining A Social Security Number
If you want to receive an SSN while studying in the United States, follow these steps:
1. Talk with your DSO about working and training in the United States.
Your DSO will share important information regarding the regulations and requirements for F and M students, and confirm whether you are eligible to apply for an SSN.
2. Verify you are in Active status in the Student and Exchange Visitor Information System .
Your SEVIS record must be in Active status for at least two days before applying for an SSN. If you have a record in any other status, you will not be successful in applying for an SSN.
3. Wait 10 days after arriving in the United States before applying for an SSN to allow enough time for your arrival information to update in all government systems.
SSA uses the Systematic Alien Verification for Entitlements program to verify your nonimmigrant student status and determine if you are eligible for an SSN. You can use the SAVE Case Check to follow the progress of your SAVE verification check online visit our Checking Your SAVE Case Status for more information.
4. Visit your local SSA office.
You can file your application for an SSN card in person at any SSA office. Be prepared to provide your original documents to prove your age, identity and work-authorized immigration status. All evidence of immigration status and work authorization must be unexpired.
For more information on the types of documents you need to apply for an SSN, refer to the SSA website.
Understand That Filing For Social Security Disability Is Challenging
While filing for Social Security benefits for any reason can be challenging, filing for disability benefits is the hardest. The SSA requires a large amount of information about your specific medical issue or condition.
The good news is, theres a trick of the trade that can help save you quite a bit of work if theres one doctor or even a hospital with all of your information, just include that source and the SSA will have everything thats needed.
The next step is to wait. It can take months or longer to have a disability claim approved.
Also Check: Social Security Number For Deceased Parent
The Full Retirement Age Could Be Raised
In 1983, Congress mandated that the full retirement age would gradually rise to 67 from 65, a change that is still being phased in today.
Just moving the age to 67 from 66 resulted in a 5% benefit cut that took 40 years to take full effect, said Joe Elsasser, founder and president at Covisum, a Social Security claiming software company.
Congress could consider raising the retirement age again. Many argue that could make sense, as people often are waiting longer to retire.
Yet, implementing such a change could be tricky, particularly if that resulted in a bigger reduction for people who claim retirement benefits when they are first eligible at age 62 and who may no longer be able to work.
While the extent of any future changes to the program is unknown, the key for individuals and families is to stress test their retirement plans, Elsasser said.
“You have to have a good idea whether you are reasonably on track, even with the full Social Security benefit,” Elsasser said. “And then the second step would be to say: How would it impact me specifically if I experience a benefit cut?”
Applying For Social Security
- Generally, you should apply for Social Security retirement benefits three months before you want your benefits to begin. Even if you dont plan to receive benefits right away, you should still sign up for Medicare three months before you reach age 65.
- If you were born before 1938 and you meet all other requirements, you can receive benefits beginning with the first full month you are age 62. However, if you choose to begin receiving benefits before age 65, your benefits will be reduced to account for the longer period over which you will be paid.
- The full retirement age is 65 for persons born before 1938. The age gradually rises until it reaches 67 for persons born in 1960 or later. Social Security benefits are payable at full retirement age for anyone with enough Social Security credits. As you work and pay taxes, you earn credits that count towards eligibility for future Social Security benefits. You can earn a maximum of four credits each year. Most people need 40 credits to qualify for benefits. People who delay retirement beyond full retirement age get special credit for each month they dont receive a benefit until they reach age 70.
- To find out what your retirement age is, use the Social Security Retirement Age Chart at www.ssa.gov
- You should speak with a Social Security representative in the year before you plan to retire. It may be to your advantage to start receiving your retirement benefits before you actually stop working.
ave questions? Call at 874-4618.
How To Receive Federal Benefits
To begin receiving your federal benefits, like Social Security or veterans benefits, you must sign up for electronic payments with direct deposit.
If You Have a Bank or Credit Union Account:
- Call the Go Direct Helpline at .
If You Don’t have a Bank or Credit Union Account:
- Direct Express debit card – a pre-paid debit card. Get help by calling the Go Direct Helpline at .
Make Changes to an Existing Direct Deposit Account:
Learn how to make changes to an existing direct deposit account. You also may contact the federal agency that pays your benefit for help with your enrollment.
When Am I Eligible
Depending on when you were born, you will be eligible for full retirement benefits as early as age 65 or as late as age 67.
- If you were born before 1938, your full retirement age is 65.
- If you were born from 1938 to 1942, the age ranges from 65 and two months to 65 and 10 months.
- If you were born from 1943 to 1954, its 66.
- If you were born from 1955 to 1959, it ranges from 66 and two months to 66 and 10 months.
- If you were born in 1960 or later, its 67.
You canopt to receive Social Security as early as age 62, but if you do, then your monthly benefits will be permanently reduced. For example, if you take benefits at 62 and your full retirement age is 66, then your benefits will be reduced by 25%.
If you postpone taking benefits past your full retirement age, then you will be rewarded with a higher benefit: 8% for each year up to age 70 , when benefits max out and there is no further incentive to delay signing up.
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What Happens If The Adult Child Gets Married
If he or she receives benefits as a disabled “adult child,” the benefits generally end if he or she gets married. However, some marriages are considered protected.
The rules vary depending on the situation. Contact a Social Security representative at 1-800-772-1213 to find out if the benefits can continue.
To speed up the application process, complete an Adult Disability Report and have it available at the time of your appointment.
Why The Social Security Hike
Oddly enough, much of that higher payout can be attributed to a shocking spike in gasoline prices, according to the group.
Under current law, Social Security benefits are adjusted using the Consumer Price Index for Urban Wage Earners and Clerical Workers. The Senior Citizens League notes that the index reflects the spending patterns of younger working adults who drive a lot, not retirees.
As a result, the group said, the index is more heavily weighted for gasoline prices, which went up 41.8% in the past 12 months.
A potential 6% bump is pretty unusual after low inflation. But there have been other years of high COLA increases.
By comparison, other sizable inflation-adjustments for Social Security included: 5.8% for payments in 2009, 5.4% in 1991, 7.4% in 1982 and 11.2% in 1981. The largest increase was 14.3% in 1980, according to Social Security data.
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Report The Death Of A Social Security Or Medicare Beneficiary
You must report the death of a family member receiving Social Security or Medicare benefits. The Social Security Administration processes death reports for both. Find out how you can report a death and how to cancel benefit payments. In addition to canceling SSA and Medicare benefits, find out what other benefits and accounts you should cancel.
Make Sure You Have A Bank Account
It is now required by the Social Security Administration that all recipients have a bank account. This is so benefits can be directly deposited into their accounts.
If you dont have a bank account, it may be a good idea to think about opening one, or to speak to someone at the SSA about other options. In some cases, you can use a DirectExpress debit card, or seek an exemption from the Department of the Treasury.
Should I Apply For Social Security Disability Insurance Benefits
If you cant work due to a medical condition, you may be eligible for disability benefits through the Social Security Administration. Before beginning the application process, here are some things to know first.
What is Social Security Disability Insurance?
Social Security disability insurance, or SSDI, is a financial safety net for workers who are unable to continue working due to a severe medical condition. It is a total disability insurance program for insured workers.
Are You Insured for Disability Benefits?
If you contributed to Social Security through the jobs youve had by paying an employment tax called the Federal Insurance Contributions Act , you are insured for benefits. But, theres a catch.
Depending on your age, you also must have worked recently enough and accumulated enough quarters. For example, if youre 31 years old or older, the rule is that you must have worked a total of 20 quarters, or five years, within the last 10 years to qualify for disability benefits.
Check Your Earnings Statement
The best way for you to know if youre insured for disability benefits is to check your earnings statement. This statement used to be mailed to you annually about three months before your birthday. Now its available online at the Social Security Administration web site.
Does Your Medical Condition Qualify?
Merienda you know if youre insured for benefits, the next hurdle is to prove that youre disabled.
Documents You May Need To Provide
We may ask you to provide documents to show that you are eligible, such as:
- Birth certificate or other proof of birth
- Proof of U.S. citizenship or lawful alien status if you were not born in the United States
- U.S. military discharge paper if you had military service before 1968
- W-2 forms and/or self-employment tax returns for last year.
- Final divorce decree, if applying as a divorced spouse and
We accept photocopies of W-2 forms, self-employment tax returns or medical documents, but we must see the original of most other documents, such as your birth certificate.
Do not delay applying for benefits because you do not have all the documents. We will help you get them.
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Calculate The Best Time To Start Social Security
If you are confused about when to start, you can use the Social Security Explorer part of the NewRetirement Retirement Planner to compare your monthly income and maximum lifetime payout at different ages.
Or, you might consider the following rules of thumb:
- Take Early: The only people who should consider taking their Social Security early are those who absolutely need the money immediately, or those who do not expect to live for very long, due to illness
- Take at Full Retirement Age: Should you have reason to believe that you will not live past the age of 80, then generally speaking you will maximize your social security benefits if you take them when you reach your Full Retirement Age.
- Wait as Long as Possible: On the other hand, if you are confident that you will live past the age of 80 or 85, then most experts recommend that you defer your social security for as long as you can , so as to maximize the benefits you receive from it.
- Other: If you have dependent children, the additional benefits you receive for them might make filing when you are younger worthwhile.
It can also be a very good idea to have an overall retirement plan before you decide when to start your Social Security benefits. The NewRetirement Retirement Planner can help you assess all of your sources of retirement income and whether or not you will have enough to cover your expenses. This tool was recently named a best retirement calculator by the American Association of Individual Investors .
Earn Ssa Work Credits In Some Countries
You may not have enough credits from your work in the United States to qualify for retirement benefits. But, you may be able to count your work credits from another country. The SSA has agreements with 24 countries. If you earned credits in one of those countries, they can help you qualify for U.S. benefits.
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How Much Work Do You Need
In addition to meeting our definition of disability, you must have worked long enough and recently enough under Social Security to qualify for disability benefits.
Social Security work credits are based on your total yearly wages or self-employment income. You can earn up to four credits each year.
The amount needed for a work credit changes from year to year. In 2021, for example, you earn one credit for each $1,470 in wages or self-employment income. When you’ve earned $5,880, you’ve earned your four credits for the year.
The number of work credits you need to qualify for disability benefits depends on your age when you become disabled. Generally, you need 40 credits, 20 of which were earned in the last 10 years ending with the year you become disabled. However, younger workers may qualify with fewer credits.
For more information on whether you qualify, refer to How You Earn Credits.