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How to compute your benefits.

Excerpted from "Social Security Handbook". See the up-to-date, official Social Security Handbook at



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The local office called and said that after her benefit while under 18 was 698 after she turned 18 e
will be 435 does this sound right. She still lives at home thought she would still get the full amount. Her medical trips out of state cost more than this what can we do this doesn't seem right

I recommend contacting your SSA directly if you have questions about benefits for your child.

The SSA's "Monthly Statistical Snapshot, April 2012" quotes the following average monthly benefit for SSI recipients :

Age under 18 => $622 per month

Age 18-64 => $532 per month

For children receiving "normal" disbility benefits the average monthly benefit is $330.

My husband had been on disability since 1986 and still receiving his disability income. However, my question was during that time in addition to his benefits his three children were also receiving a check from his benefits. After the children have grown (18) and now in there 30's why did my spouse not get the difference on his benefits. Also his three step children never received his benefits. We are still married. Step children are also in there 40's. My husband and I want to know if you can give us an answer regarding this. Thanks for your time in this matter

We are not affiliated with the SSA, but I would say Social Security benefits for dependent children are meant to help offset the additional costs of raising children who can not support themselves. The additional benefits meant for the children are not intended for the disabled worker.

For example, consider workers A and B who have similar work histories and who both become disabled at age 45. Both A and B would receive, for example, $1,000 a month based on their work history. However, if worker A has two minor children, he may receive and additional $500 per month to help raise his minor children. After the minor children become adults, A's benefit returns to $1,000 per month to match B's benefit (B is childless).

My observation is that, generally, minor stepchildren should qualify for benefits as other children, assuming the stepchildren are under the care of the beneficiary at the time of the disability and when the stepchildren were minors.

If you feel you did not receive correct benefits, you may want to see an appeal for back payment. However, this seems to have been for quite a while ago. The SSA seems to have limited look-back for some benefits.

I plan to retire in about a year at age 66. I would like to apply for ss benifits during my last year of employment. Is there any rules or limitations on income while still being imployed full time?

Yes, there are rules regarding working while receiving retirement benefits.

If you are under full retirement age ("FRA" - age 66 for you) for the entire year, you can earn $15,120 gross wages or net self-employment a year and not lose any benefits in 2013. If you are under the FRA, Social Security will deduct $1 in benefits for every $2 earned above $15,120.

In the year you reach full retirement age you can earn $40,080 gross wages or net self-employment prior to the month you reach full retirement age and not lose any benefits in 2013. Social Security will deduct $1 in benefits for every $3 earned above $40,080.


Not affiliated with the US Social Security Administration