In order for children to receive Social Security Disability benefits, a child, stepchild, or grandchild must rely on you financially. The dependent must be unmarried, at least 18 years old, and must have had the disability or special needs that started or were diagnosed before age 22. In addition, you, as the parent, must be collecting either Social Security retirement benefits or SSDI yourself.
You can see that these cases can get complicated quickly. You need an advisor that understands not just the regulations of the Social Security Administration, but also how to show that your dependent qualifies for child benefits.
For example, suppose a worker begins collecting her Social Security retirement at 62, and has a child who is 30 with cerebral palsy since birth. The child will collect a disabled child benefit based on his mother’s Social Security earnings record.