Minor children of a retired parent are eligible to receive Social Security benefits. According to the Social Security Administration, in 2017, Social Security Administration distributed an average of $2.6 billion each month to benefit about 4.2 million children because one or both of their parents are disabled, retired, or deceased. Those dollars help to provide the necessities of life for family members and help make it possible for those children to complete high school.
Children up to 18, or 19 if they are full-time students and have not graduated from high school, are eligible to receive benefits.
Your children will each get one-half of your entitled full retirement benefit. However, the Social Security Administration limits the total benefits your family receives. If you have multiple children, the total amount they can get cannot exceed 150 to 180 percent of your retirement benefit.
Biological or adopted children or stepchildren can be eligible for Social Security benefits. To receive them, the child must meet the following criteria:
- Has a parent(s) who is disabled or retired and eligible for Social Security benefits
- Is unmarried
- Is younger than 18 years old or up to age 19 if he or she is a full-time high school student
- Is 18 years or older and disabled (as long as the disability began before the individual turned age 22)
How to Receive Benefits
You must apply in person. First, the family must present the child’s birth certificate, the parents’ Social Security numbers, and the child’s Social Security number. There may be additional documents required, as well.
A few months before the retiring parent reaches retirement age, he should call the Social Security Administration at (800) 772-1213 to apply for retirement benefits. The parent must provide his Social Security number, his birth certificate, the Social Security number of each dependent child, each child’s birth record and a bank routing number so checks can be electronically deposited.
https://www.ssa.gov/pubs/EN-05-10085.pdf