Step 1: Determine Your Eligibility

Before applying for disability benefits for your child, it’s important to understand the eligibility requirements.

• SSI for Children: SSI is a needs-based program, meaning your child must have a disability and meet the income and asset requirements. For children under 18, the SSA will look at the family’s income and resources to determine eligibility. The child’s disability must be severe enough to limit their ability to function normally, and it must have lasted or be expected to last at least 12 months or result in death.
• SSDI for Children: SSDI is available if the child’s parent (or in some cases, a grandparent or step-parent) has worked and paid into Social Security. If the parent is disabled, retired, or deceased, their child may qualify for SSDI benefits based on the parent's work record. SSDI for children is generally available to children who are under the age of 18 and have a qualifying disability.

Step 2: Gather the Necessary Documentation

When applying for disability for your child, you’ll need to gather documentation that supports their claim, including:

• Medical records: These should include a thorough medical history, doctor’s notes, test results, and any other evidence showing that your child’s disability limits their ability to function and work (if they are over 18). The SSA needs evidence of the disability’s severity and how it affects your child’s daily life.
• School records: If applicable, you can provide school records that show how the disability affects their ability to perform in school, especially if they have special education needs or accommodations.
• Personal information: Information such as your child’s birth certificate, Social Security number, and your family’s income (for SSI claims) will be necessary.

Step 3: Apply for Disability Benefits for Your Child

You can apply for disability benefits for your child through the Social Security Administration (SSA) using one of the following methods:

• Apply Online: The SSA provides an online application for SSI benefits through their website at www.ssa.gov. However, SSDI applications for children (under the parent's work record) cannot be submitted online and must be done by phone or in person.
• Apply by Phone: Call the SSA at 1-800-772-1213 to apply for disability benefits for your child over the phone. The SSA will assist you in completing the application and provide you with any information you may need.
• Apply In-Person: If you prefer to apply in person, you can visit your local SSA office. You can locate the nearest office using the SSA’s office locator tool on their website.

Step 4: Fill Out the Application Carefully

When completing the application, it’s crucial to be thorough and accurate. The SSA will ask questions about your child’s disability, medical history, daily activities, and how the disability affects their ability to perform regular tasks. Be prepared to provide as much detailed information as possible.

Step 5: Submit Your Application and Wait for a Decision

After submitting the application, the SSA will review the information and medical records provided. This process can take several months (usually 3-5 months). During this time, the SSA may request additional information or medical records, so it’s important to respond quickly to any requests.

If the SSA determines that your child’s disability qualifies for benefits, they will approve the claim and begin processing the payment.

Step 6: Appeal a Denial (If Necessary)

Unfortunately, many disability claims for children are initially denied. If your child’s application is denied, you have the right to appeal the decision. The first step is to request reconsideration, where the SSA will review the claim again. If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ).

Appealing a disability denial can be a complex process, but it’s crucial to continue pursuing your child’s claim if they are truly eligible for benefits.