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More Money For Your Family

If you are rendered “disabled” by the Social Security Administration, specific members of your family might very well be entitled to benefits based on your disability and insured status.

Essentially what this means is that your spouse and children might also qualify to receive monthly benefits even if you are the only one that has been rendered disabled. It’s important to remember that this can only happen if you qualify for Social Security Disability Insurance benefits (SSDI), not Supplemental Security Income. SSDI, also commonly known as Disability Insurance Benefits, is the disability program offered by the Federal government in which your monthly benefit amount depends solely on your employment history and the amount of money you earned while working.

These types of benefits are known as “auxillary benefits” and are not applicable to Supplemental Security Income benefits. The Social Security Administration lists the following family members that might qualify for benefits based on your disability:

  • Your spouse, if he or she is 62 years or older
  • Your spouse, at any age, if he or she is caring for your child who is younger than 16 or disabled
  • Your unmarried child, if the child is under 18, or if the child is under 19 and enrolled in elementary or secondary school full-time
  • Your unmarried child, age 18 or older, if he or she has a disability that started before the age of 22
  • Divorced spouse, if he or she was married to you for at least 10 years, is not currently married and is at least 62 years old

Make sure you inquire whether your family is entitled to benefits as this could mean more financial security. Inquiring with an attorney about whether your spouse or children would qualify for benefits is always a good idea. When it comes to filing for disability benefit, you want to make sure you are aware of everything that is entitled to you.