Insurance Health Insurance Can a Child Get SSI If the Parent Is Disabled? Supplemental Security Income vs. Social Security Disability Insurance By Tim Parker Tim Parker Facebook Twitter Tim Parker specializes in investing topics and is the president of IT services company "The Web Group." He has degrees from Wright State University and the University of Cincinnati. learn about our editorial policies Updated on December 10, 2021 Reviewed by Samantha Silberstein Reviewed by Samantha Silberstein Twitter Samantha Silberstein is a Certified Financial Planner, FINRA Series 7 and 63 licensed holder, State of California Life, Accident, and Health Insurance Licensed Agent, and CFA. She spends her days working with hundreds of employees from non-profit and higher education organizations on their personal financial plans. learn about our financial review board In This Article View All In This Article SSDI vs. SSI Further Rules for SSDI How Much Will a Child Receive? Survivor Benefits Frequently Asked Questions (FAQs) Photo: Maskot / Getty Images Finding yourself out of work due to a disability can be a struggle when you have children to support. Many government programs provide income to disabled workers who don't have private disability insurance. But will your children receive dependent aid as well if you’re approved? Social Security Disability vs. Supplemental Security Income The U.S. government has two programs for adults who can no longer work due to disability. Both are administered through Social Security, but they come from different revenue sources, and their rules are not the same. Social Security Disability (SSDI) SSDI is an earned benefit that you receive because you worked long enough to earn credits toward it. You pay into the fund while you're working, much as you do with the retirement income program. You have a right to receive aid if you meet the work-credit rules when you become disabled. The number of work credits you need is based on how old you are when you must stop working. The younger you are, the less time you've had to work, so you'll need fewer credits. Both you and your children may qualify for aid while they're dependent on you. Supplemental Security Income (SSI) SSI is paid for by tax revenues. It kicks in if you don’t have enough work credits for SSDI. You can receive SSI if you're age 65 or older, blind, or disabled. You can’t own assets of more than $2,000 as a single person or a child, or more than $3,000 as a married couple. Only you can receive benefits if you collect SSI. Your children can't receive them, although disabled children may be entitled to their own SSI aid. Note Your children may qualify for benefits in other ways if you're on SSI, but not based on your disability. Further Rules for SSDI Only biological and adopted children and stepchildren can receive SSDI benefits based on your disability. They must also be your dependents, younger than age 18, and unmarried. Children receive aid until they finish school or reach age 19, whichever will come sooner. Grandchildren and step-grandchildren might also be eligible for aid if both their parents are deceased or disabled. You must provide support for the child, and you must receive disability benefits, or they must be younger than 18 years old and have lived with you most of their life while getting at least half of their support from you. Note Children must have valid birth certificates and Social Security numbers. You can apply for a Social Security number if your child doesn’t have one. How Much Will the Child Receive? A child's aid is based on the amount received by the person who is disabled. A child can receive as much as 50% of the disabled person’s total SSDI benefit. It's determined based on a few factors. There’s also a limit on family benefits. A single family is often capped at 150% to 180% of the disabled person’s SSDI benefit. Each child's aid may be reduced to stay within this limit in households with more than one child. Note The disabled person's benefit won't change, even though the children’s aid may be adjusted to stay within the household limit. Here’s how the math works based on a disabled parent with four children. The disabled parent would receive 100% of the SSDI benefit. Each child would receive 50% of that. 100% + 50% + 50% + 50% + 50% = 300% This total is greater than the 150% to 180% limit, so each child's benefit would decrease to 20% or less. The parent's benefit would remain unchanged. 100% + 20% + 20% + 20% + 20% = 180% This brings the total family payout to within the family cap. Survivor Benefits Children may receive survivor benefits of up to 75% of the deceased parent’s benefit until they reach age 18, or age 19 if they’re still in high school. Grandchildren may also receive survivor benefits if they meet the same eligibility requirements as they did to qualify for aid when the person was living but was disabled. Qualifying grandchildren will receive 75% of their grandparent’s SSDI benefit. Frequently Asked Questions (FAQs) How do I apply for disability for a child? You can apply for Social Security disability benefits online or by calling 800-772-1213. You'll need to supply a copy of the child's birth certificate and Social Security number (SSN), along with parents' SSNs. You may also be required to provide proof of parental disability or death. What are the income limits for Social Security disability for a child? In order to qualify for Social Security disability benefits, you must be unable to engage in what the Social Security Administration calls "substantial gainful activity." That means your income must be limited to a certain amount. In 2021, that amount is $2,190 for someone who is blind, and $1,310 for someone who is otherwise disabled. In 2022, those amounts increase to $2,260 and $1,350, respectively. Was this page helpful? Thanks for your feedback! Tell us why! Other Submit Sources The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy. Social Security Administration. “Retirement Benefits.” Social Security Administration. “Disability Benefits.” Social Security Administration. “Supplemental Security Income (SSI) Eligibility Requirements.” Social Security Administration. “Parents and Guardians.” Social Security Administration. “Disability Benefits | Family Benefits.” Social Security Administration. “Benefits for Children,” Page 2. Social Security Administration. "Benefits for Children." Social Security Administration. "Substantial Gainful Activity."