Social Security Benefits for Disabled Adult Child

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Where do I enter data so the program calculates the Social Security benefit for my adult disabled child. My understanding is that he will be eligible for 50% of my normal Social Security benefit when I start collecting Social Security. I don't see where to enter this in ESPlanner. (Yes, I was going to use the file and suspend strategy so he could collect while my benefit continued to grow. Unfortunately congress and the president think I'm wealthy.)

Comments

This feature will be included in our next scheduled release (around 1/1/2016.) Then you will be able to indicate the child is disabled and the Social Security calculations will be updated accordingly.

Best,
Darryl

I installed the latest (2.33.1), and I can now mark a child as disabled. But I still don't see the SocSec benefits changing, or any place to indicate that he is receiving or will receive benefits.

Futher help/explanation please?

Update: I see that benefit calculations take Soc Sec disability into account when I generate a report. Still don't see how to do what-if calcs.

Greetings,

What kind of "what-if" calcs do you wish to do?

Currently ESPlanner will calculate child/child-in-care benefits for a permanently disabled child based on the parents' earning records. We are looking at adding the option to not take child-in-care benefits - right now they are assumed to be taken.

Best,
Darryl

Now that I understand how it works, I get it: I can try different SocSec start dates, and the child/child-in-care benefits is automatically triggered at that date. I can't think of a scenario where one might file but not start the disability benefits. It would have been useful to compare filing for SSI (for disabled child) vs. SSDI, but that's about it.

Hi Darryl,

The new release does appear to handle my disabled son correctly by showing he will collect half of my full retirement benefit. What surprised me is that when my wife retires the software shows she will collect about half of my full retirement benefit. (It actually looks like she get the same amount as my disabled son up to maybe a family maximum as his benefit goes down a bit.)

I searched a bit for this benefit and find that maybe it is a child-in-care benefit? The software is showing at my age 62 I would collect my reduced benefit. My son will receive 1/2 of my PIA, and if my wife retires she would split the family maximum with my son, even though she has worked enough to collect her own social security. The software goes on to show she can collect her own increased benefit at age 70 on her own work history. Is this correct?

Greetings,

Without seeing the details, in general that sounds correct. The family maximum can be up to 175% of the number holder's (you in this case) PIA. So in the years where your son has child benefits and you wife has child-in-care benefits (shown as Spousal on the report), they can split 75% of your PIA. You are already using 100% in those years.

Then your wife can delay starting her retirement benefit until 70 and collect child-in-care spousal as excess, depending on the size of her retirement benefit. (If the RIB eclipses the child-in-care, then no excess.)

Best,
Darryl

Hi Darryl,

My wife's work record and social security PIA would be larger than 1/2 of my PIA. I just want to confirm that my wife, who is younger, can collect spousal child-in-care benefits when I retire due to our disabled son, regardless of her age. At the same time allowing her own benefit to grow until age 70. The new file and suspend laws have not ended this strategy/benefit too?

My initial thinking was to file and suspend my benefits so my disabled son could collect on my work record and for me to work longer. But that is no longer an option.

Thank you,
Paul