When most people think about filing for disability, they do so as a result of an illness or injury that prevents them or a loved one from working. Therefore, they make a decision about filing based on the amount of wages their condition costs them. However, adult health problems are not the only conditions the Social Security Administration (SSA) recognizes for disability benefits.
According to the American Academy of Pediatrics, currently over six million children and young adults (ages 3 to 21) suffer from some sort of severe disability, and this number grows every year. In fact, an average of 100,000 new cases of childhood disability are reported every year. In addition to causing pain and emotional strain on the children, many of these disabilities pose financial hardships for the families.
However, since adult benefits are based on financial loss due to injuries limiting the ability to work, child benefit amounts must also be similarly determined. Although children aren’t expected to work to survive, financial support must still be calculated based on true need.
So, how does the SSA determine financial need? What financial factors will help qualify your child for approval?
Financial Factors for Child Disability Approval
The SSA is aware that disability benefits can’t be determined by lost income when dealing with a child’s disorder. It also realizes that the same guidelines for deciding approval can’t be used for both adult and child disability consideration. Therefore, in order to fairly process claims, adult and child cases are separated and child claims are based on a slightly different set of rules. Some of the differences include:
- Income determinability. Instead of work income, your child’s resources are based upon your family income.
- Financial eligibility. Your child’s resources and assets (child support, injury settlements, and any other money received for his specific care) cannot exceed $1,070 a month.
- Working capability. If over 16 years old, your child must not be earning more than the allotted $1,070 a month. If he or she is working and earning that much money, the SSA will find that he is not disabled.
- Consideration of life factors. In cases where excessively expensive treatment and care is found to be required, disability payments may be adjusted.
Establishing Eligibility and Filing Your Child’s Claim
Disability claims can be confusing, stressful, and scary (if denied). Let us help take the confusion and worry out of your child’s claim. Our experience, knowledge, and perseverance will help you better understand your child’s rights and options, while making sure your claim is filed and processed quickly and correctly. Don’t risk a denial. Call today for a free consultation and see how our representation is right for you.