Former SSA Insider: $$ for children!!
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- Опубликовано: 17 окт 2024
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😃💯Who is Dr. Ed?
Dr. Ed Weir, PhD, Former Social Security District Manager; Former Family Services Specialist, Department of Social Services; Former Marine Corps Sergeant; University Adjunct Professor. Dr. Ed is one of the most experienced government benefits experts in the country and in his (semi)retirement, he has made hundreds of RUclips videos in order to help seniors, the disabled, survivors, retirees, disabled children, spouses, and others in every state get the benefits they need!
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⚠️I am not an attorney, tax advocate, or currently affiliated with the Social Security Administration or any other entity of the US Federal Government. My advice and opinions are based on my decades of experience inside the government. However, the Social Security Administration is the final decision maker when it comes to your benefits.
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When I click on the link it shows $99 charge
Yes, unfortunately, it's getting very expensive to provide all this free content, so I had to start charging for private consultations, but you can still ask any questions you have for free during my live.
@@MyGovExpert it's well worth the $99
I absolutely love how informative your videos are Dr.Weir! I am a child to a deceased parent and I just turned 18 so my benefits ended however I am still a full time college student and I need to pay a lot for college when I can’t afford that considering I am still dependent on my single parent left who doesn’t make enough money. Is there any way I can still receive benefits at least for a couple years into college?
I don't think a lawyer could help... and they would cost quite a bit. You can set up an appointment with me if you want through my Calendly link in the description. But filing an appeal is the way to go.
I’m under the impression here that the Social Security people in these offices, don’t know what the hell they’re doing because I’ve heard a lot of stories about misrepresentation😮
Yea, they've hired a LOT of new people and it takes years to train them!
My 70 y/o husband and myself, 65 have full custody of our 5 y/o grand daughter. Her mother is deceased and her father is incarcerated. If we are able to adopt her, how much SS could we get to help in raising her? We do get SS money from her deceased mom. TIA!
One of the best info ever! Thank you! I’m one of your subscribers to your shows.
Question for you! I’m planning to retire @ 62 very soon, I have a very young wife & two minor kids, If my wife, not retired, living in the same household is working … does the earnings limit affect her or does her income make my minor kids ineligible?
Her income does not affect your benefits at all. Nor does it affect your children's benefits. And thank you for watching, and thank you for subscribing.
My child is 8, I’m 62 and ready to file; can I get extra $ benefit by applying on line or should I visit the ss office
One of the best info in regard to dependent benefits, I’m one of your prescribers.
But, I’ve the following one question: I’m planning to retire @ 62, I have two minor kids (not disabled) & my wife is about 15 years younger than me… how is her income going to affect the kids dependent benefits?
Her income won't affect the children's benefits at all, but she might not be able to get child in care benefits for herself
@@MyGovExpert Thank you
Well hello brother I am in the same boat as you can you please tell me what you found out about it
However I am not married to the mother of my children do you know any answers on that where can I call or what do I do to get some answers? Thank you
I have been the court appointed permenant guardian of 3 of my grand kids more than 12 years now. They are all diagnosed various forms of behavioral health and mental disabilities and are on different parts of the autism spectrum. The kids have qualified for DDD and SED but there seems to be no assistance available. I do receive stipend from the Department of Child Services here in Arizona of $12.95 per day. The kids mom (my biological daughter) died over a year ago. I had some severe medical complications back in 2014 and did become 100% disabled so we all live off of is my disability payment. Will there be something I could apply for to help with our situation?
Hello, thanks for watching! There are just too many details and exceptions to give you an adequate answer in this comment section. However, you can GET HELP here: linktr.ee/MyGovExpert
Love your videos and I'm learning a lot! Question for you: My husband was just approved for SSDI due to Parkinson's. We have an adult daughter who also has a disability since birth. She was on SSI but then was able to go on SSDI because she has worked some and she qualified. Is she allowed to receive benefits from my husband's social security disability (which might be higher than what she receives now)? How does that work with the family max? Thanks!
I just did a short video on this. It should come out over the next week. Thanks for the question!
@@MyGovExpert hi again. Has that video come out yet? I’ve been watching for it but haven’t seen it. Thank you.
Hi, I'm not an expert here but I also have a child with a disability and have been researching these SSA questions too. So I'll defer to Dr. Weir when his video come out but it's my understanding your child's eligible for the higher of the 2 between your child's own SSDI and their Disabled Adult Child (DAC) benefit on your spouse's record. So just the higher, not both.
...and yes if your child starts getting DAC benefits on your spouse's record then it will apply to your Family max on your spouse's SS record
@@MichaelAshmore000 thanks for your perspective! My daughter also works part time as a grocery store bagger, and I’m afraid she’s going to go past the threshold where she makes enough that she will be disqualified from other programs such as snap and Medicaid Does the SSDI DAC benefits count towards her total income for These benefits?
I am 62 and retiring in a month. I have 2 minor children. I was under the impression that they would each receive 50% of my PIB up to the family max. However, the social security rep told me that the child benefits would be 50% of the family max minus the PIB, substantially less. What is the correct calculation? Thank you.
I am on the last 6
Months of SSDI since I have returned to work. My wife is home; we were told we were not eligible for the child care benefits because we have custody of a biological grandson, but we have not adopted him. Is this correct?
That is correct, unless the parents are either deceased or on disability themselves.
Hi Ed. Helpful video. What questions does SS ask in an interview when applying for a minor child benefits. I have been approved for SSDI . Hope that makes sense.
Just need the birth certificate and they'll do everything else
Does it matter if my spouse is Not a U.S. citizen to receive the caregiver benefits for or 5 year old child?
Hi Ed. I have a question. I am 50 years old. I have a 13-year-old son. His dad was on disability benefits for approx. 5 months before he passed away. The paperwork is being sorted for my son's survivor benefits through the SSA right now. My question is if I can also claim "child-in-care" benefits since he lives with me and is in my care 100% of the time? It sounds like I may qualify based on your video but when I talked to the person at the SSA office, they didn't mention anything about this.
Update: I meet all of the requirements listed on the SSA site for child-in-care benefits (secure.ssa.gov/poms.nsf/lnx/0300208005) BUT when I called the local office and asked about this benefit, I was told that only people with an income of $22,xxx or less are eligible. Weird how it doesn't mention income limitations on the SSA website. Is this legit?
Sorry for the delay in responding. I got a LOT of comments all at once. If you still have questions or need help, please join my RUclips LIVE Q&A Thursdays at 4pm PST. Take care, Ed
Can this money be spent on rent food and clothes for the children Is a car repair that the family uses? what is this money for it seems there's a lot of restrictions on what it can be spent on
Please join my LIVE Q&A Thursday and ask that question. It takes a while to answer and a lot of people ask it.
Missed the q&a. Is there any way that can be answered in a summarized or long detailed way here?
I was divorced in 2009 with two children. My ex husband became disabled that same year. I didn’t know about his disability until he told me in 2012. I got disability for the children on his record but I didn’t know about the auxiliary child in care benefits. My daughter just turned 18 in February. Is it too late to file for auxiliary child in care on my ex husband earnings?
I am 55 with a 4 year old. I am looking at retiring when I am 64 and start drawing SS. My daughter will be 13. I'll have her start drawing SS based on my FRA (so over the 6 years that's going to be a substantial amount). I understand that the monies she receives has to be put into an account "owned" by her (and I can be custodian) So that we don't get a letter when she's 18 or 19 that we owe any unspent money back to the IRS. I asked my bank if I can open such an account and they basically said no. I will always be listed as a owner along with my daughter.
Here is what they said:
"Your daughter would need to have a parent or legal guardian on the account with her. She can be listed as the Tax Reported Owner and you could be listed as second on the account, however, you would still be considered an owner of the account"
So, if my daughter would be considered the "tax reported owner" but I am still a co-owner, would that satisfy the IRS rules so that we don't have to pay any monies back?
Hope that makes sense.
Thanks
Mark
PS has anyone every done this? Have their child draw SS before the age of 18 (or 19 if still in high school)? What kind of account were you able to get so that the IRS doesn't ask for any unspent monies to be returned.
Sorry for the delay in responding. I got a LOT of comments all at once. If you still have questions or need help, please join my RUclips LIVE Q&A Thursdays at 4pm PST. Take care, Ed
Thanks !! Unfortunately I was not able to join the live stream. One big question I have is this. In your experience, has the SSA ever gone back and collected unused SS benefits from children once they've turned 18? My situation: Wife and I are married, all 3 of us living together. Custodial account is setup for my child to receive benefits (so they are the owner) when I start collecting at 62 (she'll be 11). So there is no co-mingling of monies. I've read and re-read EN-05-10076 Just curious how common that is. While not required (since our child will be living with us) we still plan on keeping records of monies spent. Anything left over monthly will remain in the custodial account (savings earning interest as outlined in EN-05-10076) So I am just curious how often SSA tried to collect unused benefits. Thanks !
Hey Mark! Your problem, I believe, is solved with an UTMA account! You can deposit your children’s funds into the account for them, but when they reach age of majority, it varies by state, the money is theirs. This is considered a safe and effective way to show the SSA that they and not the parents, have complete ownership/use of the funds. I would check it out further before committing, but I believe this IS the safe way to avoid disputes with the SSA down the road! 😉
Thanks for the info ! After I posted this I worked with one of my banks,Chase and they have just the account I am looking for. I can't start it until of course my kid starts receiving benefits. They will be listed as the owner and I am custodian and the monies are deposited directly into that account. But it's treated just like any savings account. Kid owns it for tax purposes. There were reasons I am not going with an UTMA but I can't remember. We aren't going to be looking at investments right now. UTMA seemed to have more rules to follow as opposed to the this straight account the kid owns. I'll research UTMAs more but Chase has the exact account we need that's not UTMA or anything like that. Thanks !
@@TheK9Shepherd So glad you found a solution. The reason you might want to circle back to an UTMA account is for investment. Placing the money in an index fund alone should give you a sizeable return over time for your children. Something like VOO over time should give you over 8% return in an UTMA. Anyway, best of luck!
My 17 year old son collects survivor benefits on my deceased husband's record. He will be a senior in high school @19 years old. We are planning to move to mexico. Will the SSA have a problem if he attends high school in mexico after his 18th birthday?
They shouldn't, as long as you provide the correct paperwork.
I just applied for social security . i have a 30 year old daughter who has been disabled and on ssi since 18 for her disability. I asked about my wife who age is 59 receiving ssdi for child in care benefits once my daughter is approved for ssdi under my social security benefits. My wife does not work.The lady from social security informed me it was only available for children 16 and under and that my wife would not receive social security under chid in care, because my disabled daughter was over 16.Is this correct? Family maximum is $6100 i will receive 3,000 a month daughter 1500. Thank you
If divorced spouse passed, does living parent qualify for auxiliary benefit for caring for minor non-disabled child?
Possibly a lot of variables to consider.
I just turned 62 and I have a minor child that is collecting Social Security benefits as well....but I'm not certain exactly what I can spend my child's benefits on.
Help available here: linktr.ee/MyGovExpert
👍👍👏👏
Thanks!
My wife of 20 years unexpectedly passed away in January 2024 from influenza. We have a semi verbal autistic son who just turned 15. Friends told me to look into survivors benefits from his mom to help with his care. I'm not even sure where to start, still kind of in a haze from my wife's passing. My wife hadn't worked since before our son was born, is a survivors benefit even a thing for him?
So sorry to hear that! Please join one of my upcoming RUclips or TikTok LIVE Question and Answer sessions. Sundays 3pm PST (6pm EST) and Thursdays 4pm PST (7pm EST). I can answer your question then more accurately and completely. Take care, Ed
I was approved for SSDI after 4 years of fighting. My Attorney received 7200 from my backpay which was to be expected. When it came time to have my dependant added to start receiving benefits from my record, the Attorney told me I had to do this on my own, which I did and it took 2 months more, however SSA paid my Attorney an additional 6000 as a Representative Payee on behalf of my dependant. I had to file as my dependants Representative so my question is.. Is it expectedbfor the Attorney to be paid from both?
Wow!
That's kind of strange. I know attorneys can make all kinds of strange arrangements, but I've never heard of one charging for a dependent.
Ed, I started app a week ago as you told me. Ill be 62 in September, wife 60, disabled daughter 20. Ss sent letter to my wife saying she wasn't eligible for ssi. ?? She is eligible for aux child in care benefits benefits, correct?
SSI is the welfare program. So that denial letter is normal. As long as there is money left on the family maximum and your wife isn't working over the annual earnings limit, she is good for aux child in care benefits.
Ty you're up early 😂
@@MyGovExpert how are you doing today sir. I’m going to retire at 62. My wife will be 58 and we have three disabled kids at home. They say I make too much money now for them to get their SSI like two of them used to get. When I retire, we won’t be getting any of that money anymore and it shows that they would possibly get some money after I retire, but more money after she retires as well. She doesn’t work that much and doesn’t make nowhere near what I made. She just started working again after 20 some years because we can’t afford our bills are in we’re talking like nine years from now. All those kids were disabled before the 22 mark . Two of them are still younger have MS, autism, and hypoplastic left heart. I know have a 401(k) but it’s very minimal not looking forward to retirement with a lot of bills. If I make 90,000 a year right now I’m going to need to make at least that much in retirement in nine years. I assume this qualifies for the auxiliary child benefits disability? Does my wife have to keep working for the next nine years +4 more after because she’s younger than me. Hass to be home with the kids or we have to get a caregiver. Almost need a caregiver now.
do i get all my money when child turn 18
If i file for my SSA benefits as soon as eligible at 62 and I have kids under 18 eligible for up to 75% of my benefit as a family maximum - if I start working again, I know my benefits wife gets reduced $1 for every $2 I earn…but does this also reduce what they can get? Thx.
Im in belize.....my son is 8 and i have applied for his SS...they told me i would get 828 US per month. They also called my belizean wife and told her.....she then decided to leave wirh rhe child, so she illegally has him. SS will not answer my questkons via email and calling rhem in costa rica is almost impossible
Sorry to hear that. You can also call the office of international operations in Baltimore. .
My mother recently passed away at the age of 64 and 6mos. She was taking care of my 41 yo brother who has been disabled since 16 or 17 years old. She never got the chance to apply for social security benefits. My brother gets social security benefits due to his disability. Would he be eligible to get our mother’s social security benefits? Would our father be able to get my mother’s social security benefits to help care for my brother?
Copied from nerdwallet:
Children who suffer the death of a parent or guardian may receive up to 75% of the deceased person’s Social Security retirement benefit until age 18 or 19 (longer if the child is also disabled). Social Security may also pay a one-time death benefit of $255.
Social Security survivor benefits for children are intended to provide a monthly income to help children complete high school after the death of a parent or guardian.
» MORE: Learn how guardianship for children works
How do Social Security benefits for children work?
For a child to be eligible for Social Security survivor benefits, the child's parent must meet one of two conditions.
The parent must have been retired or disabled and entitled to Social Security benefits.
The parent must have died after working in a job where they paid Social Security taxes.
If the deceased parent meets either of those conditions, a child may qualify for Social Security survivor benefits if they are unmarried and meet one or more of these criteria:
The child is younger than 18 years old.
The child is a full-time high school student up to 19 years old.
The child is an adult with a disability that began before turning 22 years old
Sorry for the late replay. Please join my LIVE Q&A Thursdays from 4pm PST if you still have questions.
Sorry for the late replay. Please join my LIVE Q&A Thursdays from 4pm PST if you still have questions.
Hi Dr. Weir. I retired early and began receiving reduced Social Social Security benefits at age 62. In addition i started recieving Social Security benefits for each of my 2 biological children ages 3 & 5. Each child was given 50% of my reduced benefit amount instead of 50% of my full retirement amount i would have received had i retired at age 67. Who is correct here... Social Security ot myself in determining the correct amount? Thank you for your help
They should receive 50% of your full benefit amount. But family max might be involved. You can ask SSA for a detailed accounting.
Thank you for your reply Dr. Weir! According to the 2024 Family Max Payment Schedule I would still be under the limit of the Family Max cap with my children receiving 50% of my Full RetirementAge total. I have appealed my decision. Would it be wise for me to seek legal help knowing that SSA will probably rule against me? Do I have any other options? Should I call you to set up an appointment for further guidance? Thank you for any assistance you can provide.
@@anthonyspina5723One thing to consider is if you claimed your SS benefit at 62 then you are receiving approximately 70% of your FRA/PIA, however your full PIA is counted toward the Family Max. Example if your PIA is $2,000 and the Family Max is $3,500, then your check would is approximately $1,400. Each of your children would qualify for up to 50% of your PIA, I.e. $1,000 each, however your benefit would consume $2,000 of the Family Max, thus leaving approximately $1,500 to be split between each of your children, thus each child should receive approximately $750. Your $2,000 ($1,400 actual) + $750 +$750 = $3,500 Family Maximum.
My wife receives SSDI my son is 21 and disabled ( since 5) he receives half her amount. I inquired about “ child in care benefits “ and Social security says they would just half his amount and I would receive the other half, another words still the same total amount. Is this correct?
Hi John, it all depends on the family maximum. It never hurts to ask for a second opinion with someone that has access to the work record. You can request that by filing an SSA561, Request for Reconsideration. Hope that helps. Take care, Ed
@@MyGovExpert yes it helps, from what I remember I couldn’t find family maximum on my wife’s my Ssa account. I’ll look again. When or how can I set up a phone appointment to speak to someone with your organization I have a very complicated social security picture.
Just give me a call anytime. If I'm helping someone else, I'll call you back personally the same day. 702-738-1256
Hello! I have a 3 yr old who’s disabled and was denied SSI. Could he qualify for SSDI? I have enough credits, I’m still currently employed and not of retirement age. Thank you!
Perhaps he was denied because of your family income and resources, but if you file for retirement benefits, he can receive benefits off of your record, and income resources don't matter anymore.
@@MyGovExpert Yes, it was because of my income. Thank you very much!!!
I’m 63 years old, my wife is 49. We have a 6 year old son.
I make $63,000 working now and crunching the numbers I could collect $60,000 from SS. My PIA is $2896. Family max is $5,027.
I not sure if I should collect now or wait until I’m 67 or 70.
10 years of collecting $60,000 approximately. Or working and waiting. I know my wife will get a larger check when I pass.
What’s your take on this?
Hi sir my late husband is a SSA monthly retirement beneficiary, but sad to say he passed away already, i have a biological son who we take care when we together but not his biological son, my son is only his stepson. Is my son eligible to have claims on my husband behalf? We are here in Philippines now. Hope to hear from you.
I would definitely file for benefits. If he was providing at least half support, the child might be able to receive some money.
@@MyGovExpert Hi sir thank you for your reply.
@@MyGovExpert i want to ask sir if you dont mind, how to file or where i send the documents? Do they have thru email or by mail? Where can 8 get a form to fill for ma son stepchild benefits. Because I am in Mindanao area and I am very far from US embassy Manila it take us 2 to 3 days by ship and 2 to 3 hours by plane, and i dont have that much money to go there due to alot of debt from my husband hospitalizations and passing away. I really dont know what i going to do and i hope everything will be ok.
@@irisechavez7048 You must make an appointment and go to the US Embassy.
16 and under or 16?
...can get benefits until your child reaches age 16