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Will My Son Draw Benefits From His Father When His Father Turns 62?

Hi Larry my question is my son disabled since birth when his father turns 62 will my son draw benifits from him he draws a small check now bc his father's disabled.

Hi. The only way that your son could draw Social Security benefits based on his father's account is if his father is drawing either Social Security disability (SSDI) benefits or Social Security retirement benefits. If your son is collecting Social Security benefits because his father is disabled, then his father is apparently drawing SSDI benefits. If so, the benefit that your son is drawing must be a child's benefit or a disabled adult child's (DAC) benefit. I can't be sure of that based on the limited information in your question, so you may want to call Social Security to find out what type of benefit he receives.

If your son is receiving child or DAC benefits, his benefit amount won't change simply because his father reaches a certain age. If his father is receiving SSDI benefits, those benefits will convert to regular Social Security retirement benefits when the father reaches full retirement age (FRA). That wouldn't change your son's benefit rate, though, unless there are other children or spouse's collecting benefits on the father's account. The only other thing that could raise your son's child or DAC benefit rate, assuming that's what he's receiving, would be if his father died. Survivor DAC benefits are calculated at 75% of the deceased parent's primary insurance amount (PIA), whereas DAC benefits on a living parent's record are calculated at 50% of the parent's PIA.

Best, Jerry

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Posted: 
Jul 26 2021 - 7:39pm
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