When a worker who has contributed to Social Security becomes disabled and begins receiving benefits through the Social Security Disability Insurance (SSDI) program, the financial support extends beyond the individual. Dependent children may also qualify for monthly assistance, provided they meet specific eligibility requirements set by the Social Security Administration (SSA). This benefit is designed to help families maintain stability during what is often a period of financial and emotional difficulty.
Eligible children can include biological sons or daughters, legally adopted children, and in some situations, stepchildren, provided they are minors or still enrolled full-time in high school and under the age of 19. A child who has a disability that began before age 22, is unable to work, and remains financially dependent on the SSDI recipient may also qualify. These additional benefits aim to cover essential expenses such as food, housing, clothing, and education, helping ensure that a child’s basic needs are met while the family copes with the challenges of a parent’s disability. The amount paid to each child is calculated as a percentage of the disabled parent’s monthly SSDI benefit, and while it will not replace the parent’s full earning capacity, it can provide meaningful relief.
To secure benefits for a dependent child, the parent must already be approved for and receiving SSDI payments. Once this is confirmed, the SSA must be notified that the beneficiary has a dependent child who may qualify for auxiliary payments. During this process, the parent should provide the child’s full legal name, date of birth, and Social Security number. In addition, documentation proving the relationship between the child and the SSDI recipient is required—such as a birth certificate, adoption record, or financial dependency evidence. If the child is over 18 but still attending high school, proof of enrollment must be provided. For a disabled adult child, relevant medical records supporting the disability claim will be necessary to establish continued eligibility.
While some Social Security processes can be handled entirely online, applying for dependent children’s SSDI benefits often requires additional steps that may not be completed digitally. The SSA’s official website, www.ssa.gov, outlines the necessary requirements, provides downloadable forms, and allows individuals to begin the process or schedule an appointment for further assistance. Those who prefer to speak directly with an SSA representative can call the toll-free helpline at 1-800-772-1213, available Monday through Friday from 8:00 a.m. to 7:00 p.m. local time. Individuals who are deaf or hard of hearing can use the TTY line at 1-800-325-0778.
Visiting a local Social Security office is another option, especially for those who need to present original documents, resolve complex issues, or get in-person guidance through the application process. There is no restriction on how often someone can call or visit the SSA to seek clarification, ensuring that families have the opportunity to fully understand their rights and responsibilities. By following these steps and supplying the correct documentation, parents receiving SSDI benefits can help ensure their children receive the additional financial support they are entitled to, easing the burden during a challenging time.
