What is the age limit for SSDI?
Social Security Disability has many factors that make up the qualifications for eligibility to receive payment. In this article, we will explore the age requirements and help to clarify their potential benefits to you.
Can I file for child disability benefits?
Within Social Security Disability, there are currently no disabled child’s benefits. This means that any child under the age of 18 with disabilities must file under the Supplemental Security Income program. The minimum age for qualifying for Social Security Disability benefits is currently 18 years old. They must be able to provide proof that they have worked long enough to be insured for Social Security Disability, or an adult child may be eligible to receive SSDI benefits based on whether they have a deceased or living parent’s earnings record.
Now, let’s say that a child has a living parent and is seeking to obtain benefits, then they would need to ensure they are entitled to a Social Security Retirement or Disability benefit for their child. Meaning, this is their biological child, adopted child, step child, grandchild, or possibly even a step grandchild in order to receive SSDI benefits. An adult disabled child must be secured as a disabled child before the age of twenty-two, as well as be unmarried.
It is important to note that there is one other specific situation where there is a minimum age limit for Social Security Disability. Specifically, if an individual is filing for a disabled widow or widower’s benefits, they must be at least fifty years old to be eligible to receive these specific benefits.
Maximum Age Limit
So let’s take a moment and look at the other end of the spectrum. What about the maximum age limit for Social Security Disability? To qualify for the SSDI, a disabled widow or widower must be disabled prior to the age of sixty to qualify for disability benefits. This eligibility will also be based upon their deceased spouse’s earnings record. However there is still hope, if the widow or widower was not disabled prior to the age of sixty, they will still be eligible to receive benefits under the Standard Widow or Widower’s Benefits.
Another maximum age limit for Social Security Disability eligibility would be, if an individual is within six months of full retirement age then there is absolutely no advantage of filing for disability. When you are in this age bracket, you are already given access entitlement to Medicare benefits. In addition, you are also already guaranteed the five-month disability waiting period that prevents you from having an advantage over full retirement benefits. All in all, every Social Security Disability beneficiary is converted to full retirement beneficiaries at their full retirement age, making it unnecessary to even try to seek any type of advantage within the final six months window.
In conclusion, the Social Security Disability process is here to help assist and provide security for qualified individuals, who are seeking provision in supplementing their monthly income. While there are many specific steps to take, their effectiveness and simplicity are here to provide each person with the directions and care they need to have the best possible living situation no matter the unique situation they may find themselves in.
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Unfortunately, one of the most common misconceptions is that most applicants simply file their disability application and a few weeks later the disability check magically appears in their mail box or funds are deposited in their checking account.