Disabled adult children can receive SSDI benefits

Residents in Hamilton County, TN with disabled adult children that have conditions requiring care beyond the age of 18 may wish to take the time to understand their options to help fund such care. The national program that provides Social Security Disability allows for parents to make and receive SSDI benefits to provide care for their adult disabled children based upon select circumstances.

Requirements for claiming benefits for adult children

In order to qualify for an SSDI claim for your adult child, some basic requirements must be met. These include:

  • The minimum age for the child is 18 years old.
  • The child's disability must have commenced before he or she reached 22 years old.
  • The child should not be married (although there are some very rare situations in which marriage may be allowed to another adult with an equal disability).
  • No wages beyond the disability amount can be earned by the adult child.
  • Benefits must have been earned by the parents who will be claiming them.

Stepparents, adoptive parents, grandparents, step-grandparents and others also be able to make claims on behalf of a disabled adult depending upon the circumstances.

Additional eligibility requirements

The above list can provide an initial screening guideline but you will want to also pay attention to the type of disability that your adult child has. The government has clearly outlined an official list of impairments that identifies what constitutes a qualifying disability versus a disability that cannot be leveraged for SSDI benefits.

Medical records from physicians and other care providers may be requested as part of the application process. The details required will be specific and may be extensive. Information as to the cause of the disability, onset, duration and more will be required in order to prove a valid claim. This is important especially if the disability is not clearly identified or on the official list.

Obtaining benefits while working

The government does allow for some form of employment to be engaged in by a disabled person. There are stated limits on how much money your adult disabled child is able to earn while still allowing you to file for benefits on his or her behalf. Additionally, you can deduct expenses that are considered related to the employment such as bus fare to provide transportation to the job and home again.

Tennessee's need for SSDI

State and federal data indicate that at the end of 2012, more than 49,000 people in Hamilton County were receiving disability income. That represents close to 17 percent of the population. Nationally, 10 percent of all disability recipients were adult disabled children.

If you have an adult child with a disability and are interested in receiving SSDI benefits, you are strongly encouraged to discuss your situation with an attorney. There are many nuances involved in such claims and proper processing up front can make the difference between getting what you need and not.