Understanding Supplemental Security Income SSI for Children-- 2024 Edition

SUPPLEMENTAL SECURITY INCOME (SSI) FOR CHILDREN

WHO IS A "CHILD" FOR SSI?

A person who is neither married (as determined by Social Security) nor head of a household and:

    small blue and black arrowis under age 18; or

    small blue and black arrowis under age 22 and is a student regularly attending school (as determined by Social Security).

HOW DOES THE SSI DISABILITY PROGRAM WORK FOR A CHILD?

To be eligible for SSI benefits, a child must be either blind or disabled:

    small blue and black arrowA child may be eligible for SSI disability benefits beginning as early as the date of birth; there is no minimum age requirement.

    small blue and black arrowA child may be eligible for SSI disability benefits until attainment of age 18 (see definition of disability for children).

    small blue and black arrowWhen the child attains age 18, we evaluate impairments based on the definition of disability for adults (see definition of disability for adults).

    small blue and black arrowA child with a visual impairment may be eligible for SSI benefits based on blindness if the impairment meets the definition of blindness (see blindness requirements).

WHAT ARE THE CRITERIA FOR A “DISABLED” OR “BLIND”  CHILD?

    small blue ballIf under age 18, whether or not married or head of household, the child has a medically determinable physical or mental impairment or impairments which result in marked and severe functional limitations; and

    small blue ballThe impairment(s) has lasted or can be expected to last for a continuous period of at least 12 months or be expected to result in death; or

    small blue ballIf the child is blind, he or she meets the same definition of “blind” as applies for adults. See WHAT IS "BLINDNESS" FOR AN ADULT OR CHILD?. Unlike the requirement for SSI disability benefits, there is no duration requirement for SSI blindness benefits.

SSA is committed to providing benefits quickly to claimants whose medical conditions are so serious that their conditions obviously meet disability standards.

Compassionate Allowances (CAL) are a way to quickly identify diseases and other medical conditions that, by definition, meet Social Security’s standards for disability benefits. These conditions primarily include certain cancers, adult brain disorders, and a number of rare disorders that affect children. The CAL initiative helps reduce waiting time to reach a disability determination for individuals with the most serious disabilities.  By incorporating cutting-edge technology, the agency can easily identify potential CAL to quickly make decisions. SSA receives information form the public, advocacy groups, comments received from the Social Security and Disability Determination Services communities, counsel from medical and scientific experts, research with the National Institutes of Health (NIH), and information received from past public outreach hearings regarding potential CAL conditions.  Go to http://www.ssa.gov/compassionateallowances/ for more information on CAL.

HOW DOES DEEMING WORK FOR A CHILD?

If a child is under age 18, not married, and lives at home with parent(s) who do not receive SSI benefits, we may consider a portion of the parents' income and resources as if they were available to the child.  We may also count a portion of a stepparent’s income and resources if the child lives with both a parent and a stepparent (or an adoptive parent and a stepparent).  We also do this when a child is temporarily away at school, returns home during weekends, on holidays, or during the summer and remains subject to parental control.  We call this process "deeming."

We make deductions from deemed income for parents and for other children living in the home. After we subtract these deductions, we use the remaining amount to decide if the child meets the SSI income and resource requirements for a monthly benefit.

NOTE For more information, see the SSI Spotlight on Deeming Parental Income and Resources.

WHEN DOES DEEMING NOT APPLY?

Deeming from the parent stops when a child attains age 18, marries, or no longer lives with a parent. Deeming does not apply, and we may pay up to $30 plus the applicable State supplement when:

    small blue and black arrowa child with a disability receives a reduced SSI benefit while in a medical treatment facility; and

    small blue and black arrowthe child is eligible for Medicaid under a State home care plan; and

    small blue and black arrowdeeming would otherwise cause ineligibility for SSI benefits.

Also, we do not consider the income of a parent for deeming purposes if the parent receives a Public Income Maintenance payment (PIM) such as Temporary Assistance for Needy Families (TANF) and their other income was used to compute the PIM payment.

If either child or parent is temporarily absent from the household (less than 60 days), the rules about deemed income still apply.

CAN A CHILD GET MEDICAID?

In most States, a child who gets SSI benefits can get Medicaid to help pay medical bills.

In some cases, a child may be eligible for Medicaid while in an institution, but not be eligible when living at home either because of the parents' income and resources or because of other income.

At the State's option, children under age 18 who need institutional–level care and live at home may keep Medicaid eligibility while getting home care, if that care is less costly to the government.

Even if the child is not eligible for SSI benefits, the child still may be eligible for Medicaid under other State rules. Always check on Medicaid eligibility with the State.

For more information about Medicaid, you can look on the internet on the Centers for Medicare & Medicaid Services website at http://www.medicaid.gov or call toll–free, 1–800–633–4227.

In addition, other State services may also be available.

If you have children or grandchildren under age 19 who are not covered by health insurance, there is a Children's Health Insurance Program that may help. To find out more, you can look on the Internet at www.insurekidsnow.gov or call toll-free, 1–877–KIDS–NOW (1–877–543–7669). The number connects you to your State program.

CHILDREN OF U.S. ARMED FORCES PERSONNEL LIVING OVERSEAS

Children living with a parent in the military service overseas may receive SSI benefits, but they are not eligible for Medicaid.

NOTE For more information, see the SSI Spotlight on Special SSI Rules for Children of Military Personnel Living Overseas.

WHAT IS A DEDICATED ACCOUNT?

When an eligible child under age 18, who has a representative payee, is eligible for certain large past–due payments covering more than six months of benefits, these payments must be paid directly into a separate account in a financial institution. We call this separate account a dedicated account because the representative payee, or later the child, may use the funds in this account only for certain expenses, primarily those related to the child's disability or education. The representative payee must maintain the dedicated account separately from any other savings or checking account set up for the child. Each year, we will monitor how the representative payee spends the funds in the dedicated account.

NOTE For more information, see the SSI Spotlight on Dedicated Accounts for Children.

DEEMING ELIGIBILITY GUIDELINES

The Deeming Eligibility Chart for Children below gives the highest amount of gross monthly income for this year (before taxes are withheld) that a parent(s) can earn or receive and still have a child qualify for SSI.  Note that we do not count some types of income that a parent may receive; for example, money received for providing foster care to an ineligible child.

NOTEFor more information on income, see SSI INCOME.

DEEMING ELIGIBILITY CHART FOR CHILDREN FOR 2024

WARNING

BEFORE USING THIS CHART, SEE SSI FOR CHILDREN. IF THERE IS ANY DOUBT ABOUT WHETHER A CHILD IS ELIGIBLE, CONTACT US FOR HELP.
 

Gross monthly income BELOW the dollar amounts shown means a child with a disability may be eligible for SSI benefits.

Amounts given are general guidelines only.

Number of
ineligible
children in
household
All income is earned All income is unearned
One parent in
household
Two parents in
household
One parent in
household
Two parents in
household
0 $3,897 $4,841 $1,926 $2,398
1 $4,369 $5,313 $2,398 $2,870
2 $4,841 $5,785 $2,870 $3,342
3 $5,313 $6,257 $3,342 $3,814
4 $5,785 $6,729 $3,814 $4,286
5 $6,257 $7,201 $4,286 $4,758
6 $6,729 $7,673 $4,758 $5,230

The Deeming Eligibility Chart for Children does not apply when:

    small blue ballThe parent(s) receives both earned income (for example, wages or net earnings from self-employment) and unearned income (for example, Social Security benefits, pensions, unemployment compensation, interest income, and State disability).

    small blue ballThe parent(s) receives a public income maintenance payment such as Temporary Assistance for Needy Families (TANF), or a needs–based pension from the Department of Veterans Affairs. See SSI AND ELIGIBILITY FOR OTHER GOVERNMENT AND STATE PROGRAMS for more information on TANF.

    small blue ballThe parent pays court-ordered support payments.

    small blue ballThe child has income of their own.

    small blue ballAny ineligible child has income of their own, marries, or leaves the home.

    small blue ballThere is more than one child with a disability applying for or receiving SSI benefits.

    small blue ballYour State supplements the Federal benefit.

Use the Deeming Eligibility Chart for Children in the following States or territory, which do not supplement the Federal benefit for children:

Alabama

Kansas

Ohio

Alaska

Maryland

South Carolina

Arizona

Mississippi

South Dakota

Arkansas

Missouri

Tennessee

Delaware

North Carolina

Texas

District of Columbia

North Dakota

Virginia

Indiana

Northern Mariana Islands

West Virginia


If you live in one of the States listed below, Social Security administers the State supplement for children. Call us for deeming eligibility information.

California

Montana*

Pennsylvania

Hawaii

Nevada*

Rhode Island

Iowa*

New Jersey

Vermont

*Montana supplements disabled and blind children in certified foster homes only. Nevada supplements blind children only. Iowa supplements children with in-home related care or that reside in residential care facilities without SSA involvement.

If you live in one of the States listed below, your State administers the State supplement for children. Contact the State for information.

Colorado

Maine

Oklahoma

Connecticut*

Massachusetts

Oregon

Georgia

Michigan

Utah

Florida

Minnesota*

Washington

Idaho

Nebraska

Wisconsin

Illinois

New Hampshire*

Wyoming

Kentucky

New Mexico

 

Louisiana

New York

 

* Connecticut, Minnesota, and New Hampshire only supplement benefits for blind children.

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