Consultant

Social Security Benefits for Children: How They Work

March 27, 2025

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Social Security is usually associated with monthly payments to retirees. However, there is another important facet of Social Security benefits. They can provide financial assistance to children. Children may qualify for benefits if a parent is retired, disabled, or deceased.

Children themselves who are disabled may be eligible for Supplemental Security Income (SSI), a separate program that’s also run by the Social Security Administration (SSA).

Here’s the lowdown on who qualifies for what.

Key Takeaways

Children may be eligible for Social Security payments based on a parent’s work record.
For a child to qualify, the parent must be retired, disabled, or deceased.
Children who are disabled may be eligible for Supplemental Security Income, a separate program that’s also run by the SSA.
Children can receive survivor benefits until the age of 18 or 19 if still in primary or secondary school.
The maximum family Social Security benefit ranges from 150% to 180% of the original payee’s benefit.

How Children Qualify for Social Security Benefits

Eligible children can collect Social Security benefits based on a parent’s work record. That is, the parent must have earned enough Social Security credits to qualify for benefits.

Biological or adopted children or stepchildren can be eligible for Social Security benefits if they meet the following criteria:

They have a parent who is disabled or retired and eligible for Social Security benefits
They’re unmarried
They’re younger than 18 or are between ages 18 and 19 and are full-time high school students
They’re 18 or older and disabled (as long as the disability began before they turned age 22)

The requirements for Social Security survivor benefits are similar, except that the parent must be deceased for the child to qualify.

Important

Grandchildren or step-grandchildren can sometimes collect survivor benefits under certain circumstances.

SSI Benefits for Children

Supplemental Security Income is a separate program for Americans with limited incomes and few other resources.

Generally, recipients must be 65 or older, blind, or disabled. But SSI is also available to children under age 18 in certain cases. To qualify for SSI benefits:

The child must have a physical or mental impairment (or impairments) that results in marked and severe functional limitations.
The impairment or impairments must have lasted or be expected to last for a continuous period of at least 12 months or be expected to result in death. In the case of blindness, that duration requirement doesn’t apply.
A child who isn’t blind must not earn more than $1,550 per month. A child who is blind must not earn more than $2,590 per month.

Decisions for granting SSI can take time. However, if a child has qualifying conditions, the SSA may begin making payments while an application is under review.

Benefit Amounts for Children

Social Security

A child may receive a Social Security benefit equal to 50% of the parent’s full retirement benefit or disability benefit. If the parent is deceased, the child is eligible to receive up to 75% of the parent’s full retirement benefit.

There is a limit to the total amount that a family can receive from Social Security based on one worker’s earnings record, though.

The maximum family benefit typically ranges from 150% to 180% of the parent’s full benefit amount.

The formula for maximum family benefits is based on a retired parent’s work record. If the parent is disabled, a different formula applies.

If the amount due to the entire family surpasses the maximum, some individual payments will be proportionately reduced.

Example

Consider a retiree named June, who has a dependent child, Ruth, who is also eligible for benefits.

June’s full retirement amount is $1,500 per month, and her family maximum is $2,300 per month. June would receive her full $1,500, while her spouse, John, and daughter Ruth would split the remaining $800 payment, each receiving $400.

SSI

SSI benefits are determined by a different calculation, and the maximum benefit changes each year. Some states also supplement SSI.

In addition, a disabled child who collects SSI may also be eligible for Medicaid to help pay for medical bills.

$3.5 billion

The total amount of Social Security benefits paid to children of retired, disabled, and deceased parents in February 2025. Approximately 3.78 million children received benefits.

How to Apply for Benefits

Start the application process by calling 800-772-1213. The SSA agent will set up an appointment for you that will take place by phone or in person. Applications for children’s benefits are not accepted online. However, you may apply online for SSI for children.

Documents Required

The family must present the child’s birth certificate, the parents’ Social Security numbers (SSNs), and the child’s Social Security number. Additional documents may also be required.

In applicable cases, the applicant must provide a parent’s death certificate and/or evidence of disability from a doctor.

If you are taking care of a child and are receiving Social Security benefits for that reason, the child’s benefits may stop at a time different from your own.

For example, if your child is not disabled, those benefits will end when the child turns 16 years old. If the child is disabled and you are responsible for them, your benefits may continue.

For these types of specific circumstances, it’s best to contact the Social Security Administration for guidance.

Tip

If your child is disabled, the Social Security Administration offers a Disability Starter Kit that can help you navigate the process of applying for benefits.

How Soon Can Survivor Benefits for Children Be Started?

To initiate survivor benefits for children, an application and supporting documentation must be supplied to the Social Security Administration. How quickly benefits begin depends on how long it takes the agency to determine eligibility and for the applicant to submit the required documentation. However, benefits cannot be paid for the month in which the recipient died.

When Do Survivor Benefits End for the Parent With Children?

Survivor benefits for the surviving child’s parent end when the child turns 16. However, if the child is disabled and remains in their care, the benefits may continue indefinitely.

The Bottom Line

Children of retired, disabled, or deceased parents may be qualified to receive monthly financial assistance from the Social Security Administration if a parent was entitled to benefits.

To apply for benefits, call 1-800-772-1213 and schedule an appointment to speak or meet with an SSA representative.

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