1st off this is an excellent answer. Thank you for your kind words.
quick follow up please: Sure!
SS told me the benefit for child would be $687. I'm wonder why? Typically is is 50% of the value of the parent. If your mom is the parent, one would think it would 1/2 of her $913. But, I don't suggest looking a gift horse in the mouth necessarily.
My mother mtly check amount would be $917 w/ 1st check Oct 2nd.
SS told me my mother HAS TO adopt he grandchild to get mtly benefit. I told them my mother raised 7 year old since birth and dad unknown and mother don't work and still said adoption required. Yes, if mother is NOT disabled (legally), as noted above, adoption is the only way. It doesn't matter that she raised her (in and of itself) because the parent is still your sister.
I don't know if doctor would say childs mother is disabled, or just lazy but I'm sure could find doctor that agrees somebody doing nothing has some mental issues. Mental issues are not enough - it is a big burden to get to "disabled". However, that doesn't mean it is not worth trying if the child's biological mother is proactive enough - she will likely want to DEFINITELY hire a SSD lawyer - they don't charge a retainer and the fee is contingent on winning, and then, a pittance of a fee relative to the hours involved vs. regular billing rate.
Is adoption best choice to make process smooth? If you don't think the mom will be ruled disabled anytime soon or the unspeakable happens to her, yes.
Any negatives to adopting? Of course, it would make my mother liable for child until 18 years old but she's taken that responsiblity on anyway. That is about it, as far as can see. It is like, are there any negatives to having children? I personally LOVE it, lol, but it is an expense some think outweighs the benefits (nuts).
The only other negative is child might not qualify for free school lunch since because now application asks for mom income it's ZERO but after adoption grandma would be mom i think. Yes. But at $900/mo., your mom is not exactly rolling in the dough, unless she is still working. But, Peanut Butter and Jelly is an inexpensive lunch, throw in an apple, etc. School lunch need not cost any more than eating at home.
Plus child mother would have less food stamp money as child wouldn't be her child anymore. Terrific. Oops, perhaps that shouldn't be said, but since the mom is not taking care of the child, she shouldn't be keeping extra food stamps for herself. I\
Of course, no comparison to $96K income for next 11-12 years. but most important I think it's best for the child. Probably right. Even if that $600/mo (even 1/2 of that) were put into savings, that child would have a great nest egg for later. She can fill an IRA account her first fews of working after age 18, or she can go to college without loans... etc.