My husband (age 68 )and I (age 67) have just adopted our two year old granddaughter. His social security-formerly disability is more than double mine. When I report this to social security, what should I expect, or what should I tell them that I want?
Thanks,
Diane

Hi Diane,

It sounds like you would want to claim Social Security child's benefits for your granddaughter based on your husband's record. But, if you are drawing any spousal benefits on your husband's record then it may also be advantageous for your granddaughter to establish technical entitlement on your record so that your family maximum benefit (FMB) could be combined with your husband's FMB.

Social Security should be able to determine what's most advantageous for your granddaughter and solicit the appropriate application(s), but you may also want to use our maximization software just in case.

Best, Jerry