When you receive approval for Social Security Disability Insurance (SSDI), you may be eligible to provide financial support to your dependents. Knowing how SSDI works for your family can ease some stress during tough times.
What are SSDI benefits for dependents?
SSDI benefits aim to provide financial assistance to workers who can no longer work due to a disability. Certain family members may also qualify for benefits under your SSDI claim. Dependents, such as your spouse, children, or even your parents, may receive SSDI payments based on your work record.
Who qualifies as a dependent under SSDI?
The Social Security Administration (SSA) sets specific rules on who can qualify as a dependent. Your children can qualify for benefits if they are under 18, or up to 19 if they remain in high school. If your children have a disability that started before age 22, they can qualify for benefits after turning 18.
Your spouse can qualify if they care for a child under 16 or if they are 62 or older. In some cases, your parents can receive SSDI benefits if they depend on you financially.
How much can dependents receive from SSDI?
Your dependents’ benefits depend on your own SSDI benefit. Generally, the higher your SSDI benefit, the greater the potential benefit for your family members. The SSA calculates dependent benefits using a formula, but the total will typically not exceed 50% of your SSDI benefit amount.
How to apply for SSDI benefits for dependents
When applying for SSDI, provide information about your dependents, including their birth dates and Social Security numbers. If you already receive SSDI, contact the SSA to add your dependents to your account and submit the necessary information.
SSDI benefits for dependents can significantly help your family during a challenging time. If you think your dependents may qualify, it’s worth investigating the possibilities to ensure they receive the support they need.