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The Social Security issues benefits to eligible beneficiaries who have retired or have disabilities. In this article, read and find out if these beneficiaries’ children can receive the benefits as well.
![Benefits for Children [Photo: Susan Sandys]](https://s3.us-west-1.amazonaws.com/southarkansassun.com/2023/02/Social-Security-Benefits-for-Disable-Children.jpg)
Benefits for Children [Photo: Susan Sandys]
An article on the Benefits.gov states that a beneficiary receives Social Security retirement or disability benefits. When they die, their children can also receive the benefits. However, a child must first meet specific requirements to be eligible. A child can receive benefits if they are below 18, or 18 to 19 and a full-time student in grade 12 or below, or 18 and older with disabilities before they reached the age of 22. A child who is married cannot receive benefits except when records say their disabled parent receives child benefits. Sometimes, adopted children, stepchildren, and grandchildren who are dependents can also be eligible.
READ ALSO: Social Security Update: 8.7% COLA Increase In Benefits This 2023
Survivor’s Benefits
According to Loe, when a beneficiary dies, their children could be eligible for survivors benefits. These benefits have the same eligibility criteria as what is mentioned above. The survivors benefits for children can be up to 75% of the amount of a deceased beneficiary’s monthly benefits. Other family members like surviving and divorced spouses and dependent parents can also be eligible.
In contrast, children can also receive Social Security benefits even when the beneficiary is still alive. Up to 50% of the beneficiary’s monthly benefits at the full retirement age can be received. If a child has both parents who are Social Security beneficiaries, they cannot receive both benefits but would receive the higher amount between the two.
The benefits for the child will not reduce the parents’ benefits. However, their benefits may be reduced because of Social Security’s family maximum rule. This rule limits the total amount of how much a beneficiary’s family can receive from 150% to 180%. If the total amount payable is beyond the limit, Social Security will reduce each person’s benefit proportionately.
READ ALSO: Social Security Goes Big In 2023: Benefit Hike Of 8.7% Brings More Relief To Seniors
