The Social Security Administration (SSA) provides Supplemental Security Income (SSI) to a child who has blindness or a medical condition that results in marked and severe functional limitations. SSI payments help cover basic living expenses, medical care and academic expenses.
Here is what to know about these benefits:
Disability before 18 years of age
When evaluating a child for SSI benefits, there are several things that have to be considered. First, SSA must determine that the child appears to meet the resource and income limitations. If the child lives with their parents, a certain percentage of the parents’ income and resources will be “deemed” to the child. If the child’s income and assets (deemed or otherwise) appear to fall below the applicable levels, then a disability determination will be made.
When a child under 18 years of age is alleged to be disabled, SSA will make the determination based on whether the child has a verifiable condition that causes the child severe limitations with their ability to function like other children their age. Evidence may include medical records, therapy records, school records and more.
SSI after a technically ineligible child turns 18 years of age
Many children with severe limitations and disabilities do not qualify for SSI because of their parents’ income and resources. However, SSA no longer “deems” parental income and resources against a child once that child turns 18 years of age, even if they still live at home. So, a minor who did not qualify for benefits because of household income may become eligible at 18.
The process of receiving SSI benefits for a minor or a young adult is different. Learn more about the steps to take to increase the chances of approval for your child’s SSI.