What to Know About Getting Disabled Adult Child Benefits

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You might wonder if you can get benefits as an adult child with a disability. The answer to this question is “yes,” which is good news.

You might even be able to get both Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI), depending on which parent you live with.

Getting benefits for a disabled adult child who is disabled is not as easy as just calling Social Security, though. You have to meet a number of requirements to get into the school.

Our guide will help you get past these problems. Read on to learn more!

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Definition of Disability

A person is considered disabled by the Social Security Administration (SSA) if they have a physical or mental condition that keeps them from working and is expected to last for at least a year or forever. For the state to be called severe and disabling, it must also meet specific criteria.

Also, it must make it hard for you to do simple work-related tasks. For an adult child to get disability payments, these things must be true.

You need disability medical evidence, like medical records, medical exams, and doctor statements, to back up your disability claims. If your claim is accepted, you’ll usually get benefits for as long as your disability lasts.

Eligibility

The adult child must have had severe physical or mental problems before they were 22 years old. The child’s parent must also be retired, disabled, or dead and have to give up their retirement payments.

The older child can’t be married, have a low income, or be unable to care for themselves. Also, they have to show the Social Security Administration through clinical, lab, or psychological records that their condition makes them unable to work. If a parent’s job causes the disability of an adult kid, proof must be shown that the parent paid FICA taxes into Social Security.

Lastly, the adult child can’t have more than $2,000 in investments or trusts. For disabled adult child payments, the SSA must agree to all these things.

Medical Evidence

Medical proof is significant when applying for benefits for an adult child with a disability. This kind of proof is used to decide if the child’s health problem is serious enough for the person to get the benefit.

The medical evidence must show that the person has a physical or mental impairment that has been going on for at least 12 months or is expected to go on for at least 12 months.

It must also say how the person’s disability affects their ability to work or do other things they would typically do. It must come from a trustworthy medical professional, like a doctor or expert. A claim for adult disabled child benefits could be thrown out if the medical proof doesn’t meet these rules.

Work and Benefits

People taking care of an adult child with a disability or developmental delay need to know what they can do to help them financially. Adult children who are disabled can get assistance from the Social Security Administration.

To be qualified, a disabled person must have had a permanent disability before the age of 22, not be married, and have a parent who is getting or can get Social Security benefits. The benefits are helpful because they add to the crippled adult child’s income and help pay for medical bills and other costs related to caring for the child.

The benefit amount relies on how much the parent pays in Social Security taxes. Adult children with disabilities can only get help if they have a certain amount of need and cash.

Continuing Disability Reviews

A Continuing Disability Review (CDR) is essential in determining if an adult child with a disability is eligible for Social Security payments and other kinds of help for people with disabilities. Families with an adult child who is disabled should take the time to learn about the process before starting it.

It’s important to know that a child’s disability must be looked at regularly to ensure the child is still qualified. During the review, a method like the structured interview for adults may be used to find out if the disability has gotten worse or better.

During the review process, a disabled adult child’s behavior restrictions can also be examined. A CDR could lead to a decision that the disabled adult child’s health has improved, that the child’s benefits should be stopped, or that the child should still get help because they are still disabled.

Family and other supporters of the disabled adult child should be ready to write down the child’s limits so that the CDR process doesn’t throw up any surprises. Most families can get through the CDR process with the help of a chosen representative and the correct information if they plan.

Ssi Rules About Income and Resources

When asking for help, knowing the rules about income and assets is very important. People who want to get benefits must show that they need the money. Earned wages, some pensions, annuities, and service payouts all count as income.

Some examples of resources are cash, stocks, and specific real estate. Generally, a person’s allowed resources must be worth less than $2,000, and a couple’s must be less than $3,000.

If the applicant or their family makes more than these limits, they may still be qualified for benefits through Social Security Disability.

To get gifts, applicants must prove they are old, blind, or crippled. When applying for SSI benefits, it’s essential to know that each state has rules that must be followed.

Learn More About the Disabled Adult Child Benefits Now

To sum up, disabled adult child payments are based on their income if they were approved before they turned 18 and if their disability was already there before they turned 22.

You might want to talk to a benefits expert to find out what is best for you. Families need to work together to help the adult child with a disability and make sure they get any benefits they are entitled to.