Understanding SSDI and SSI for Special Needs Adults: Parent's Role

I am working with parents of a special needs adult child. An attorney has advised the family that one of the parents needs to collect their SS benefit for the son to receive SSDI. That does not sound correct to me…is it?

The attorney’s advice might be based on a misunderstanding. Here’s how Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) work in relation to a special needs adult child and the role of the parents:

1. SSDI Based on Child’s Work Record:

   • Independent of Parents: If the special needs adult child has worked and earned enough credits to qualify for SSDI based on their own work record, they can receive SSDI regardless of whether their parents have started collecting Social Security benefits.

2. SSDI Based on Parent’s Record:

   • Disabled Before Age 22: If the child does not have enough work credits to qualify for SSDI on their own, they may still be eligible to receive benefits based on a parent’s work record if they were disabled before age 22. However, in this case, the parent must be receiving Social Security retirement or disability benefits for the child to qualify for these benefits under their record.

3. SSI as an Alternative:

   • Supplemental Security Income (SSI): If the child does not qualify for SSDI based on their own or their parent’s work record, they may be eligible for SSI, which is a needs-based program. SSI benefits are available to individuals with disabilities who have limited income and resources, and it is independent of the parents’ Social Security benefits.

4. Summary of the Situation:

   • Parent’s Role: In summary, if the special needs adult child has enough work credits for SSDI, they can receive those benefits without any action from the parents. If they do not have enough work credits, they can receive SSI based on need or SSDI under the parent’s record if the parent is receiving Social Security benefits and the child was disabled before age 22.

If you need further clarification or have any additional questions, feel free to reach out!

The content on this blog is for informational purposes only and is not legal, financial, or professional advice. Social Security rules change periodically, so some information may become outdated. For the most accurate advice, consult a certified National Social Security Advisor (NSSA®). Social Security Professionals, LLC, and NSSA® are not responsible for any errors, omissions, or actions taken based on this blog's content. Use of this blog does not create a client relationship, and all information is provided "as is" without guarantees. By using this blog, you agree to hold Social Security Professionals, LLC, and NSSA® harmless from any claims or liabilities arising from its content. For personalized guidance, contact an NSSA® professional.