Is Your Child Eligible for Social Security Benefits?
09/06/08
More Social Security benefits are given to children than to any other social group. Children are eligible for social security benefits under the account of a parent, step parent, or foster parent that is either disabled or retired (and therefore eligible for Social Security benefits). Children can also be eligible for benefits under the account of their guardian if he or she has died after working and paying enough social security taxes to earn benefits.
Children are eligible for Social Security benefits when they are:
• Single, • Under 18, • Or are between 18 and 19 years of age, but still a full time student in elementary or secondary school, • Or, over the age of 18 and disabled before the age of 22.
Q: Can my children obtain SS benefits under my account if they do not live at home with me?
Whether or not your children can receive benefits will depend on your specific relationship with them. In order to be eligible for social security benefits, your child must depend on you financially. Whether they live with you or not, your child will automatically be considered your financial dependent if you share any of the following relationships with them:
• The child is your legitimate, natural child • He or she is your adopted child • He or she is your natural but illegitimate child for whom a judge has issued a determination of support, or for whom you make regular financial contributions.
If you have a recognized, illegitimate child who does not reside in your home, and for whom a judge has not made an official determination of support, you can give evidence of that child's financial dependence upon you by providing:
• Paperwork showing that your child is qualifies as your dependant in other state and federal programs • Previous tax returns in which you claimed the child as a dependent • Bank records, cancelled checks, etc., showing that you made regular payments on behalf of or in support of your child • Additional related proofs
Financial dependability (and eligibility for social security benefits) of a stepchild, on the other hand, will only determined when that child lives with you and shares with you a parent and child relationship. Generally, your spouse's legitimate natural child, legally adopted child, or illegitimate natural child will be considered a step child. Even after divorcing your step child's natural parent (that is, your husband or wife) or after his or her death, the child will be considered financially dependent upon you and therefore eligible for benefits as long as he or she resides in your home and shares with you a child parent relationship.
In any of the above child parent relationships, you can give evidence of the status of your relationship with your child. In addition, you can also decide to give evidence that you do not live in a parent child relationship with the child; that is, you neither live with the child nor support him or her financially. If you do this, you child will not be entitled to social security benefits under your account.