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Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 10890
Experience:  Law Degree, specialization in Tax Law and Corporate Law, CFP and MBA, Providing Financial, Social Security & Tax advice since 1986
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What benefits do I receive if I adopt my grandchildren (ages

Customer Question

What benefits do I receive if I adopt my grandchildren (ages 3-1/2 and 17 months)?? I am 65 years old and receive social security already.
Submitted: 5 months ago.
Category: Social Security
Expert:  Lane replied 5 months ago.

Hi. My name's Lane ... I can help you here:

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From SSA's publication "Benefits for Children" found here: https://www.ssa.gov/pubs/EN-05-10085.pdf

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(I'll underline the pertinent parts)

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Your child can get benefits if they’re your biological child, adopted child, or dependent stepchild. (Sometimes, your child could also be eligible for benefits on their grandparents’ earnings.)

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To get benefits, a child must have:

• A parent who’s disabled or retired and entitled to Social Security benefits; or

• A parent who died after having worked long enough in a job where they paid Social Security taxes. The child must also be:

• Unmarried;

• Younger than age 18;

• 18-19 years old and a full-time student (no higher than grade 12); or

• 18 or older and disabled. (The disability must have started before age 22.

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Further down in the document you'll see:

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"Within a family, a child can receive up to half of the parent’s full retirement or disability benefit. If a child receives survivors benefits, they can get up to 75 percent of the deceased parent’s basic Social Security benefit. There is a limit, however, to the amount of money that we can pay to a family. The family maximum payment is determined as part of every Social Security benefit computation. It can be from 150 to 180 percent of the parent’s full benefit amount. :

Expert:  Lane replied 5 months ago.

With two children the benefit would be capped at 180% of your benefit.

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Please let me know if you have any questions at all, before rating me

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If this HAS helped, and you DON’T have other questions … I'd appreciate a positive rating (using the stars or faces on your screen, and then clicking “submit") ... Otherwise JA doesn't credit me for the work here.

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Thank you!

Lane

I hold a law degree, (Juris Doctorate), with concentration in Tax Law, Estate law & Corporate law, an MBA, with specialization in financial accounting & tax, a BBA, and CFP & CRPS designations, as well - I’ve been providing financial, Social Security/Medicare, estate, corporate, non-profit, and tax advice, since 1986

Expert:  Lane replied 5 months ago.

Hi,

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I’m just checking back in to see how things are going.

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Did my answer help?

If this HAS helped, and you DON’T have other questions … I'd appreciate a positive rating (using the stars or faces on your screen, and then clicking “submit")

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But again, let me know if you need more here.

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Lane