50%Child's benefit if parent is retired or disabled
75%Child's benefit if parent has died
18Age limit (19 if still in high school)
150-180%Family maximum of parent's benefit
Who can receive a child's benefit
- Children under 18 who are unmarried.
- Age 18 to 19 if still a full-time student in elementary or secondary school (through high school).
- Adult children of any age who became disabled before age 22 and remain disabled.
In some cases, stepchildren, adopted children, and dependent grandchildren qualify too.
How much a child receives
| Situation | Child's monthly benefit |
|---|---|
| Parent is retired or disabled | Up to 50% of the parent's full benefit |
| Parent has died | Up to 75% of the parent's full benefit |
The family maximum
There is a cap on the total paid to a family from one worker's record, generally between 150% and 180% of the worker's full benefit. If the combined amount exceeds the cap, the children's and spouse's benefits are reduced proportionally. The worker's own benefit is not reduced.
Other rules
- Benefits end when a child turns 18 (or finishes high school, usually by age 19), or marries, unless the child is a disabled adult child.
- A parent caring for the child may receive a benefit too while the child is under 16, or disabled.
- Your own earnings: if the worker is under full retirement age and working, the earnings test can reduce the family's payments.
- A representative payee, usually a parent or guardian, manages the money for a minor child.
How to apply
Call 1-800-772-1213 or visit a Social Security office. Bring the child's birth certificate and Social Security number, the parent's number, and proof of the parent's death if applicable. Apply as soon as possible because retroactive benefits are limited.
Looking for benefits after a parent or spouse dies? See survivor benefits and what to do when someone dies.