If you’re a parent in the U.S. with a child who has a disability, they might qualify for monthly financial assistance from the Social Security Administration (SSA). The SSA offers up to $943 per month through its Supplemental Security Income (SSI) program. This is designed for families with limited income and resources, helping them cover essential expenses like housing, food, clothing, and medical needs.
Currently, around a million children receive SSI benefits every month. However, the amount each child gets depends on the family’s income and situation. While $943 is the maximum monthly payment in 2024, many families receive a smaller amount due to their financial circumstances.
Eligibility
So, who exactly qualifies for these Social Security payments? The SSA has set specific criteria to determine if a child can receive SSI benefits, which are split into two categories: non-medical and medical.
Non-Medical
The SSA first examines the family’s income and resources. This includes the earnings and assets of both the parents and the child. If the family is living together, the income of stepparents or guardians is also factored in. This is referred to as “deeming.” However, income from family members who aren’t the child’s parents or guardians isn’t considered.
What Is Deemed?
Deeming takes into account:
- Parental earnings or work-related income
- Other benefits or pensions the family receives
- Family assets, like savings or property
If your family’s income falls within the limits set by the SSA, the next step is meeting the medical requirements.
Medical
To qualify medically, the child must have a disability that causes significant challenges in performing daily activities. This disability must either be expected to last for at least 12 months or be life-threatening.
Marked and Severe
The SSA uses the term “marked and severe functional limitations” to describe disabilities that severely hinder a child’s ability to carry out day-to-day tasks. Some conditions automatically meet this requirement, such as certain cancers or severe genetic disorders.
Compassionate Allowances
In severe cases, the SSA offers an expedited review process known as a “compassionate allowance.” This is particularly helpful for children with terminal or extremely serious conditions, allowing them to receive financial assistance sooner.
Applying for SSI Benefits
If you believe your child is eligible for SSI, the application process starts with submitting the required documentation to the SSA. You’ll need to provide:
- Proof of income for the parents or guardians
- Documentation of family assets, like bank statements
- Medical evidence showing the child’s disability and its severity
The SSA will review this information before making a decision. The process can take a few weeks or months, but once approved, payments are made monthly. In some cases, payments may even be retroactive to the date the application was submitted.
If your family is struggling financially and your child has a disability, this program could be a lifeline. Applying may take time, but the potential benefits can help ease the financial burden of caring for a child with a disability.
FAQs
How much can my child receive from SSI each month?
Up to $943 per month in 2024, depending on household income.
How does the SSA determine eligibility for SSI?
They assess the family’s income, assets, and the child’s medical condition.
What is a compassionate allowance?
A faster review process for severe, life-threatening conditions.
Can SSI payments be backdated?
Yes, payments may be retroactive to the application submission date.
What paperwork is required to apply for SSI?
Income proof, asset documentation, and medical records about the child’s disability.
