If you are disabled and unable to work, you may be worried about how you will support yourself and your family. In some circumstances, Social Security Disability Insurance may be an option not just for you, but also for immediate family members who may qualify based on your disability.
When Relatives Can Recover Social Security Disability
When you apply for Social Security disability benefits, it is important to pursue benefits for your eligible family members who may be dependent upon your income.
According to the Social Security Administration, the following family members of a disabled person may qualify to receive disability benefits:
- Your spouse if he or she is 62 or older.
- Your spouse at any age if he or she is caring for a child of yours who is younger than age 16 or disabled.
- Your unmarried child, including an adopted child, or, in some cases, a stepchild or grandchild. The child must be under age 18 (or under age 19 if in secondary school full time).
- Your unmarried child, age 18 or older, if he or she has a disability that started before age 22. (The child’s disability also must meet the definition of disability for adults.)
Each qualified family member may receive a monthly check for up to 50 percent of the disabled person’s monthly benefit. The family members’ benefits do not reduce the amount paid to the disabled person. You may still be able to recover the same amount of Social Security disability benefits as you would had your loved ones not also applied for benefits.
If you are disabled and unable to earn a living, it is important to make sure that you get the Social Security disability benefits you and your family deserve and that the law entitles you to receive. To learn more, please order a free copy of our helpful report, Social Security Disability What You Need to Know or start a live chat with us today.
by Paul B. Burkhalter Managing Partner of Morgan & Weisbrod, Board Certified in Social Security Disability Law.