Ask Larry

Disabled Adult Child Benefits

Can DAC Benefits Be Reduced If The DAC's Parent Files At Age 62 And Continues Working?

I understand that DAC benefit amounts are based on Parent PIA at full retirement age. What if parent (mom) begins drawing retirement benefits at 62 but still works and her payment is offset by the income, does adult child's DAC get reduced? Thank you for your work in this area helping families.


Thursday, August 22, 2019 - 09:20

What's The Best Way To Maximize Benefits For A Disabled Adult Child Upon The Death Of The Parents?

What would be the best way to maximize an adult child with a disability's (Down syndrome) social security payments upon the mother and father's passing? What percent of the mother and father's SS payments will the disabled adult receive?
Thank you for your response!


Monday, August 5, 2019 - 10:04

How Would My Disabled Child's Survivor Rate Be Calculated?

Hi, it is surprisingly difficult to find accurate and understandable information on Survivor Benefits for Disabled Adult Children. It appears that my DAC would eventually get 75% of "something" related to my own retirement benefit. If I claim this year at age 62 instead of my Full Retirement Age (66 and a half), and take a reduced retirement benefit, is my DAC's eventual Survivor Benefit reduced accordingly? And likewise, if I wait until 70 to claim, will my DAC's eventual Survivor Benefit go up to 75% of that fully increased benefit amount?

Wednesday, July 31, 2019 - 11:13

Will My Son And I Continue To Qualify For Benefits?

greetings ,, I have a blind disabled child since childhood and receive a benefit from my husband who was disabled since my son was a child ,,, my son received a continuity of my husband's benefit when he turned 18 years old I claimed it and I also disabled myself now that my son is an adult ,,,Well, my son is legally blind from birth and they applied the special optic bilateral atrophy law SS, they froze the right of protection for the blind of social security ,,, hey I ask you ,,my son would qualify to receive the 2 benefit of his father and mine his mother ,now,,

Saturday, July 20, 2019 - 09:40

Do I Have A Right To Continuity Of Benefits On My Father's Record?

greetings thank you for answering, but I am already requesting the benefit of adult child and social security sent me to fill some documents of work history made before 22 years of age ,,, and also sent me to fill a document on the record of work as an adult, these 2 documents establish whether I pass above or below the lucrative substance and establish the right to the benefit of blind legal impediment since I was a child before I turned 22, because they told me that I had to fill out another document that is equivalent to the right of continuity that I received as a child beca

Monday, July 15, 2019 - 13:04

Is My Summary Accurate?

How would this situation play out for a Disabled Adult Child: Neither of the parents are currently filed for benefits. My understanding is that at least one would need to file before the DAC could receive SSDI benefits based on the parent's record. Ideally, the father would file now because the mother has a higher PIA and would like her to delay until her age 70. It is also probably fair to assume that the mother will outlive the father.
 The Father Files Now: DAC’s SSDI benefit will be 50% of the father’s PIA

Tuesday, June 18, 2019 - 11:14

How Can I Find Out What Impact My Wife Filing At Age 62 Would Have On My Daughter's Benefits?

Hi Larry: My 28 year old disabled (from birth) daughter currently receives a Medicaid(?) payment of approximately $700/month plus food stamps of~ $140/month. My 62 year old wife is considering drawing social security now for health reasons.
How do I find out the impact of this action on my daughter's monthly income. AlLso, I was always the breadwinner and my potential Social Security benefit is substantially higher than my wife's. When I start drawing will social security my daughters benefit payment go up?


Friday, June 7, 2019 - 07:23

Would A Letter From A Former Employer Be Considered In Deciding SGA?

My 54 YO Intellectually or Developmental (IDD) sister-in-law came to live with us in 2017, after her mother could no longer care for her. Parents (for whatever reason) never applied for any type of benefit and she has never received Gov assistance of any kind. We recently tried to qualify her for SSDI, as a (DAC) applicant.

Tuesday, April 30, 2019 - 16:35

How Can This Be Fair?

I retired in July at age 62 and took SS $2136. My Wife (62)did not work but applied for her part of my benefits $1056. We have a Disabled since birth, Adult daughter(28) that lives in an Adult supported living home with 24/7 supervision. She was on SSI. We received a letter shortly after my Wife received her letter confirming her $1056 saying they made a mistake because my daughter was going on SSA and she was going from her SSI amount of $700 to SSA $1085.70. So now my Wife was being reduced down to $726. How can that be fair?


Thursday, March 28, 2019 - 20:25
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