A lot of people don’t realize that when they retire, their children are eligible to receive Social Security benefits as well. In this segment, find out the guidelines for claiming benefits if you are retired and have children 18 years or younger.
“I want to get into question number six: If I file for retirement benefits and have minor dependent children, they may also qualify for Social Security benefits. That is true! If I am collecting my Social Security benefit and I have minor children–if they are 18 years of age or if they’re still in school, yes, then they would also receive a benefit. If I’m at my full retirement age collecting my Social Security benefit, there’s also going to be an additional benefit for those minor children. I think this is more prevalent today than ever before because there are a lot of individuals that are waiting to get married a little later in life, they’re having children a little later in life, and so if you do make that full retirement age and you still have minor kids, they will still collect that benefit. For this to work, the parent first of all has to be retired or disabled, and has to be eligible to collect Social Security. On the kid’s side, they have to be unmarried and younger than 18, or they could be 18 to 19 and be a full-time student in college–and high school doesn’t count for these purposes. This is more prevalent than it used to be, so don’t miss that benefit”