Ask Larry

Are There Any Limits That Could Adversely Affect My Son Later In Life?

I just started receiving social security benefits and I have a child with disabilities (now 13) (life-long disabilities) I read an article that briefly talked about "disabled child benefit" - If he qualifies at age thirteen are there limits that could affect him later in life? Are there downsides to taking this benefit? Thank you.

Hi. No, there is no lifetime limit on how much a person can be paid from Social Security. Since your child is only 13 now, he doesn't need to be disabled to currently be eligible for child benefits based on your record. When he's within 6 months of age 18, though, he'll need to apply for disabled adult child's (DAC) benefits in order for his child benefits to continue past age 18. As long as your son qualifies for DAC benefits, those benefits can continue for as long as he lives.

Best, Jerry

Feb 8 2022 - 11:12am
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