Social Security SSDI: What to Know When Childs with Disabilities Turns 18

As a child turns 18, families have to understand whether they are eligible for Social Security Disability Insurance (SSDI). SSDI provides financial assistance to individuals with disabilities, including young adults transitioning into adulthood. To determine eligibility, factors such as the severity of their disability, work credits earned by you or your child, and the duration of the disability are considered.

The requirements for SSDI eligibility involve a comprehensive evaluation of the individual’s medical condition. The Social Security Administration (SSA) assesses whether the disability meets their criteria, impacting the person’s ability to engage in substantial gainful activity. Understanding these requirements is vital for parents investigating their child’s financial future and ensuring proper support.

5 Things to Know When a Disabled Child Turns 18

Your child’s transition into adulthood involves important considerations, especially when it comes to health and welfare decisions. As they become a legal adult, your role in making certain choices for them changes. But fear not, there are ways for you to stay involved!

One option is appointing a Representative Payee through Social Security. This individual is carefully chosen to oversee your child’s benefits, ensuring their well-being is a top priority. You could also consider a guardianship, a more formal process that requires court involvement. This step may become necessary if your child is unable to execute a power of attorney. For expert guidance on these matters, it’s highly recommended to consult with an attorney who can provide the assistance you need.

Must Your Child Switch to SSI?

Turning 18 can trigger changes in eligibility for certain benefits. In the case of SSDI, benefits are often based on the work record of a parent. However, when an individual reaches adulthood, the focus shifts to their own disability and financial situation.

Supplemental Security Income (SSI) is designed to assist individuals with limited income and resources. It takes into account the individual’s disability and financial need, rather than relying on work history. So, it might be worthwhile to explore whether your son qualifies for SSI based on his own circumstances.

Living Arrangements Supports for Children With Disabilities

As your child reaches the age of 18, a new chapter unfolds with various living options and services tailored to their needs. For instance, if your child currently benefits from school-based therapy services, the transition out of school prompts the question: How will these services continue? The answer lies in potential avenues such as Medicaid Waivers or private insurance coverage.

The scenery of eligibility for respite services also undergoes a transformation. Respite services provide family caregivers with precious moments to step back from their responsibilities. So, as your child embarks on this new phase, ensure you’re equipped with knowledge to pave the way for their well-being.

Complements to Social Security SSI Young Beneficiaries

1. Diploma or Certificate Programs:
   • Explore local educational institutions or vocational schools that offer specialized diploma or certificate programs tailored to individual needs and abilities.
   • Look for programs that provide hands-on training and real-world skills to enhance employment opportunities.
2. Individualized Education Program (IEP) Transition Plan:
   • Work closely with the school’s special education team to develop a comprehensive transition plan within the IEP.
   • Focus on building skills that promote independence, such as daily living skills, self-advocacy, and communication.
3. Employment Services through Vocational Rehabilitation:
   • Connect with your local Vocational Rehabilitation Services to access employment support and job placement assistance.
   • Explore vocational training programs that align with the individual’s interests and strengths.
4. Job Placement Services:
   • Research organizations and agencies that specialize in job placement for individuals with disabilities.
   • Seek assistance from employment services that understand the unique needs of young adults with disabilities.
5. Skill Development Workshops:
   • Attend workshops or training sessions that focus on developing specific skills relevant to the job market.
   • Look for programs that offer ongoing support to help individuals refine and apply their skills in real-world settings.
6. Community College or Trade School Enrollment:
   • Consider enrolling in community college or a trade school to further education and skill development.
   • Explore accessible programs and support services offered by educational institutions to ensure a positive learning experience.
7. Social and Recreational Programs:
   • Participate in community-based social and recreational programs to build social skills and expand social networks.
   • Look for inclusive activities that encourage social interaction and personal growth.
8. Volunteer Opportunities:
   • Engage in volunteer opportunities that align with personal interests and provide valuable experience.
   • Volunteering can enhance skills, build confidence, and create a sense of community involvement.

Financial Protections for a Child With Disabilities After Turning 18

1. Special Needs Trust:

As your child with special needs reaches the age of 18, it’s time to update your estate planning documents to include a Special Needs Trust. Failing to do so could inadvertently jeopardize your child’s eligibility for essential governmental benefits.

A Special Needs Trust is a legal tool designed to provide financial support for individuals with disabilities without compromising their access to benefits like SSI or Medicaid. By placing assets into this trust, you ensure that the inheritance doesn’t interfere with your child’s continued eligibility for crucial assistance.

Consulting with a qualified attorney experienced in special needs planning can help you navigate the intricacies of setting up a trust that aligns with your child’s specific needs and circumstances.

2. ABLE Account:

Another valuable option to consider is an Achieving a Better Life Experience (ABLE) account. This financial tool allows you to deposit funds—up to a specified annual limit—without jeopardizing eligibility for means-tested benefits.

While ABLE accounts offer flexibility, it’s important to note that there are limits on what the funds can cover. Generally, they can be used for disability-related expenses such as education, housing, transportation, and healthcare. Understanding the guidelines for these accounts ensures that you make the most of this resource while staying within the prescribed boundaries.