Yes, there are available benefits for disabled adults still living with their parents. There are two types of benefits your adult child may qualify for through Social Security Disability if their impairments prevent them from working. They may also qualify for Medicaid benefits, and there could be state benefits available for your family as well.
Social Security Disability Insurance (SSDI) Benefits for Adult Children With Disabilities
To qualify for benefits through the Social Security Disability Insurance (SSDI) program, one must have worked long enough and recently enough to have the required work credits. If your son or daughter has a disability that prevents them from working once they reach adulthood, however, they may be able to qualify for benefits based on your work history or the work credits earned by their other parent.
If you file a claim and get SSDI for your adult child with disabilities through the Disabled Adult Children (DAC) program, they could receive as much as 50 percent of the full benefits you would qualify for if you suffered an impairment and could no longer work.
In general, your adult child may qualify for SSDI benefits based on a parent’s work record if they meet these requirements:
- They are at least 18 years old;
- Their disability began before they turned 22;
- They are not married, or their partner also qualifies for SSDI;
- At least one of their parents receives Social Security retirement or disability benefits or is deceased and their remaining parent draws survivor’s benefits; and
- They meet the Social Security Administration’s definition of “disabled.”
If your adult child could previously work but now their impairments prevent them from earning the current “substantial gainful activity” limit, they may qualify for benefits based on their own work history. At Berger and Green, our team can help you determine if they can obtain benefits on their own or what options you have for helping them pursue monthly payments.
Supplemental Security Income For Adult Children With Disabilities
If your adult child with disabilities cannot get SSDI based on their own work credits or on the record of one of their parents, they may qualify for Supplemental Security Income (SSI) benefits. SSI does not require you to prove any type of work history. Instead, this program is need-based, thus your child will need to meet strict income and asset limits.
It can be difficult to qualify for SSI if you provide resources to your adult child because the Social Security Administration counts some of these as income as well. This may include paying for their food, allowing them to live rent-free, or similar provisions. If your child has significant assets such as real estate, stocks, and bonds, or a life insurance payout in their name, it could also prevent them from qualifying for these benefits.
Most people who qualify for SSI benefits will also qualify for Medicaid insurance coverage and may be able to get benefits such as the Supplemental Nutrition Assistance Program (SNAP), previously known as food stamps.
The Attorneys from Berger and Green Can Help You Understand Available Benefits
At Berger and Green, our Social Security Disability attorneys can review your case and help you understand which benefit programs may be a good fit for your adult child and your family. We can review their impairments and your financial situation and give you a clear explanation of your options. Once we understand the best disability program for your family, we can help you prepare and file your claim.
If you already applied for Social Security Disability Insurance or Supplemental Security Income and the Social Security Administration denied your loved one’s benefits, we can help you file a request for reconsideration or take your case in front of an Administrative Law Judge to challenge the denial.
We may also be able to help you pursue a payout in a personal injury case if your loved one suffers from an impairment caused by another person’s negligence. Call or text us today to learn more.
Discuss Your Case With a Member of Our Team Today
If you live in Pittsburgh, greater Allegheny County, or elsewhere in Western Pennsylvania or in Columbus, Ohio, the disability attorneys from Berger and Green can help you understand the benefits for disabled adults still living with their parents. We will review your case for free and help you file your claim for benefits. Call or text 412-661-1400 today for your no-cost consultation.