Ask Larry

Does My Daughter Still Get Her RSDI Plus Part Of My Benefit?

my daughter has been disabled and on RSDI,MSA now that I am retirement age social security says she gets a portion. Does she still get her RSDI plus my part of my benefit?

Hi. RSDI stands for Retirement, Survivor & Disability Insurance, so I don't know what type of benefits your daughter actually receives. I assume she's not receiving retirement benefits since she'd have have to be at least age 62 and be insured for benefits based on her own work and earnings history.

If your daughter receives Social Security disability (SSDI) benefits based on her own earnings history and then becomes eligible for disabled adult child's benefits (DAC) benefits based your earnings history or her father's earnings history, she can only be paid essentially the higher of the two benefit rates. If the DAC rate is higher, she would continue to be paid her own SSDI plus a partial DAC benefit equal to the difference between her SSDI and DAC amounts. The net result would be that she would then receive a total amount equal to the higher DAC rate.

If your daughter receives DAC from her father's account and then becomes eligible for DAC benefits on your account, she could only be paid the higher of the two benefit rates. But, if she receives Supplemental Security Income (SSI), those benefits would be reduced dollar for dollar at least by all but the first $65 of any Social Security benefits she receives. SSI is a needs based program that Social Security administers.

By the way, if your daughter does qualify for benefits based on your Social Security record, it won't reduce the amount of your benefit.

Best, Jerry

Posted: 
Dec 9 2022 - 4:40pm
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