You and Social Security: There’s a purpose for everything

How to Apply for Social Security Benefits as a Child

Children who qualify can get Social Security benefits based on the work history of their parent(s). The Social Security earnings of the parent(s) must be sufficient. If they meet the following requirements, biological, adoptive, or stepchildren can qualify for Social Security benefits:

• They have a parent who qualifies for Social Security payments due to a disability or retirement.
• They are single
• They are high school students enrolled full-time, and under 18 or between 18 and 19 years old.
• They are disabled and older than 18 (as long as the disability began before they turned 22).

The following illustrations will help you better understand social security benefits for children.

1: Student benefits end after they graduate and turn 19 years old. 

Williams turned 18 in March and finished his secondary education in May. His benefits expired in June because he has no intention of continuing his enrollment in a program at the secondary level.

2: When a student completes high school before turning 19 and enrolls in FTA for a secondary-level course. Her student benefits expire before the age of 19.

Emma turns 18 in April and completes her secondary education in June. She intends to continue her FTA work at a secondary school from September through December after taking a vacation in July and August. She is no longer in the FTA. Thus, her benefits expire in January.

3: The student completes high school before turning 19 and enrolls in FTA for a secondary-level course. Her student benefits expire when she turns 19.

Emma turns 18 in April and completes her secondary education in June. She enrolled in FTA for a secondary-level course in September and will remain enrolled until June. Emma will get benefits based on her FTA in a secondary-level program through March. She has already completed secondary school, so her benefits end in April when she turns 19 years old.

4. The student turns 19 years old after missing a month of class.

Benjamin completes his junior year of high school in May, takes two months off for vacation, turns 19 in July, and intends to start secondary school again in August. His benefits are still in effect through June, but they stop in July because he turns 19 during that month of absence.

5. If a student turns 19 during an FTA month and the school is a 12-month institution, the student’s advantages end on the first day of the third month after the month of turning 19. 

Amy turns 19 years old in February. Her school operates on an annual schedule, with the academic year lasting from September to June. Amy receives payments through April, and after that, her benefits end in May, the third month after she turns 19.

6. The student reaches the age of 19 during an FTA month; the school is a 12-month institution. The student’s benefits end on the first of the month following the month in which the student completes the academic year in which they are enrolled.

Amy turns 19 in April and continues her high school education through May. She’s on vacation in June and July and will be back in August to start her senior year. Her benefits last until May, when she finishes the academic year for which she is registered in the age 19 attainment month, ending in June.

7. The student turns 19 during the FTA month, the school works on a semester or quarterly schedule and requires re-enrollment, and the course ends on the first day of the third month following the student’s 19th birthday.

Joseph turns 19 on September 3. His school operates on a semester system, and enrollment is required each semester, according to the SSA-1372. The semester runs between September 18 and November 30. When Jacob turns 19 and two months old in November, he’ll still receive benefits until December, when it’s terminated.

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Bio:
For over 13 years, Jason Anderson has served as a Personal Financial Advisor, Estate and Retirement Planner, helping to educate individuals from all walks of life and income levels on wise money investment and planning for a comfortable lifestyle and retirement.

Over time, Jason Anderson has become the ‘Go-To’ leading authority on personal financial advising, financial planning, and analysis, as well as retirement planning and financial planning for SMALL BUSINESS OWNERS. He also provides HIGHLY Popular financial education seminars for groups. These financial seminars empower people to more effectively budget, plan, manage their money, and achieve their personal financial goals. As a result of the excellent results, praise, and feedback that their financial seminars have received, the City of Los Angeles, The AFL-CIO union groups, as well as several other organizations, have decided to partner with Jason to more effectively accomplish their mission. He was also honored to be showcased in the November 2014 issue of Forbes Magazine “Americas Financial Leaders” and has been dubbed by the media as ‘The Financial Educator.’

Jason is passionate about the work he does because it brings him joy to help his financial planning and advising clients reach their financial goals. He finds excitement in assisting families in saving and paying for their children’s college education without stress, thanks to the financial plans he designs for them. He also takes pride in witnessing clients reach retirement and enjoy it precisely the way they desire.

Personally, Jason finds joy in being a husband and father of two wonderful children. In his spare time, he enjoys traveling, sports, hiking, and reading.

He works with Employees, Business Professionals, Business Owners, and ‘High Net Worth’ People.

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Disclosure:
All annuity and life insurance products are designed to supplement securities as part of an overall plan. The recommendation of annuities and life insurance is not designed to eliminate the need for securities in any way.