Having a disability does not need to stop you from raising a family. If you receive Social Security disability benefits, your minor children may be eligible to receive benefits. Generally, eligibility ends when your child turns 18 or completes high school.
If your child has a disability, however, he or she may be eligible for SSDI as a disabled adult child (DAC).
Does my child qualify for DAC benefits?
If you receive Social Security retirement or disability benefits, your disabled adult child may be eligible for SSDI. Your child must:
- Be 18 or older
- Be single
- Meet the SSA’s definition of disability
- Have a disability that began before age 22
An adult child who meets these criteria can receive DAC benefits based on your Social Security earnings record.
Can my child still work? What if he or she has never worked?
Normally, you must work for a certain amount of time to qualify for SSDI. However, if you are receiving benefits and your child meets the qualifications, then he or she is eligible based on your earnings record.
Your child can not receive benefits if he or she earns “substantial” income. As of 2023, this generally means your child can not earn more than $1,470 per month. If your child is blind, the limit is $2,460 per month.
What if my child gets married?
Typically, DAC benefits end if the recipient marries. However, there are some exceptions. If your child’s spouse is also receiving DAC benefits, your child might be eligible to continue receiving SSDI.
If you are the parent of a disabled adult and you already receive Social Security payments, SSDI may be available to help your adult child.