February 7, 2023

Can my family receive benefits from my SSDI?

Dad and daughter enjoying the view of a beautiful lake

Social Security Disability Insurance applies to you if you have a qualifying work history and suffer from a disability that limits your income. You will receive a monthly benefit if you are eligible, but certain family members might also qualify to receive a benefit due to your disability as well.

If your spouse or underage children are eligible to receive benefits based on your work history, then it can increase the overall monthly amount you receive from SSDI. You can make the most of the situation by understanding the eligibility requirements and how the Social Security Administration determines benefit amounts.

How can my family members receive benefits under my SSDI?

When you apply for SSDI benefits, your spouse and any unmarried children under the age of 18 can apply alongside you. Your family members must also provide their Social Security numbers and birth certificates, and an applying spouse must also provide proof of marriage. The SSA will review the application and determine if any of the applicants are eligible for family benefits.

What is the total benefit my family can receive?

An individual family member applying for SSDI benefits based on your work history may receive up to 50% of your initial disability benefit amount. However, there is a limit to the total amount of SSDI benefits your family can receive. Regardless of how many eligible individuals apply, the maximum amount that your family can receive is between 150% to 180% of your initial benefit amount.

Capitalizing on SSDI family benefits can help ensure that you remain financially secure in a difficult time. If the SSA denies your claim or the claim of a family member applying with you, it may be necessary to seek legal guidance in receiving the benefits you deserve.