If your child has a serious medical condition or disability, you may be wondering whether they qualify for financial assistance through the Social Security Administration (SSA). The answer is yes — children can receive disability benefits through a program called Supplemental Security Income (SSI). At Smith & Godios, we help Ohio families navigate this process every day. Here’s what you need to know.
What Are Childhood Disability Benefits?
Childhood disability benefits come primarily through the SSI program, which provides monthly payments to disabled individuals with limited income and resources. Unlike adult Social Security Disability Insurance (SSDI), which is based on work history, SSI for children is based on financial need and medical eligibility.
There is also a separate benefit available to children of disabled, retired, or deceased workers. If a parent receives SSDI or Social Security retirement benefits — or has passed away — their dependent children may qualify for auxiliary or survivor benefits based on the parent’s earnings record.
Who Qualifies for Children’s SSI?
To qualify for SSI as a child (under age 18), three general requirements must be met:
Medical eligibility: The child must have a physical or mental condition (or combination of conditions) that results in “marked and severe functional limitations.”
Duration: The condition must have lasted, or be expected to last, at least 12 months or result in death.
Financial need: The child’s household income and resources must fall within SSA’s limits. The SSA considers the income and assets of parents living in the home (“deeming”).
Common Conditions That May Qualify
The SSA evaluates childhood disability based on a list of qualifying impairments called the “Blue Book.” Conditions that may qualify include, but are not limited to:
Autism Spectrum Disorder (ASD)
Down syndrome and other chromosomal disorders
Cerebral palsy
Intellectual disabilities
Epilepsy and seizure disorders
Cancer
Severe ADHD with documented functional limitations
Low birth weight in infants
Congenital heart defects
Chronic kidney disease
How Does the SSA Evaluate a Child’s Disability?
The SSA uses a special step-by-step evaluation process for children that differs from the adult process. When reviewing a child’s claim, the SSA looks at how the condition affects six functional domains:
Acquiring and using information
Attending and completing tasks
Interacting and relating with others
Moving about and manipulating objects
Caring for yourself
Health and physical well-being
For a child to be found disabled, they must show “marked” limitations in two domains, or an “extreme” limitation in one domain.
What Happens When a Child Turns 18?
When a child receiving SSI benefits turns 18, the SSA will conduct a re-evaluation using adult disability standards. This is called a “age-18 redetermination.” The adult standard is different and somewhat stricter in how it defines disability. It is important to be prepared for this review and, if necessary, to appeal a denial.
At this stage, having an experienced disability attorney can make a significant difference in preserving your child’s benefits.
Tips for a Stronger Application
Initial applications for childhood disability benefits are often denied, even for children with serious conditions. Here are steps that can strengthen an application:
Gather comprehensive medical records. Include all treating physicians, therapists, specialists, and school records that document your child’s limitations.
Document how the condition affects daily life. Descriptions from parents, teachers, and caregivers about how the child functions day-to-day are very valuable.
Don’t give up after a denial. Most claims are denied at the initial stage. An appeal — including a hearing before an Administrative Law Judge — often gives you the best chance at approval.
Work with a disability attorney. An attorney familiar with SSA rules can help ensure your child’s application is as complete and compelling as possible.
Smith & Godios Can Help Your Family
Navigating the Social Security system on behalf of a child can be overwhelming. At Smith & Godios, our disability attorneys have been helping Ohio families since 1997. We understand how important these benefits are — not just financially, but for your child’s future.
We serve clients throughout Ohio. We mostly represent disability clients at Court in Akron, Ohio and our clients most commonly come from Akron or the surrounding areas of Cuyahoga Falls, Barberton, Stow, Norton, Wadsworth, Medina, Green, Fairlawn, Richfield, New Franklin, Canton, Kent, Massillon, Ravenna, Rootstown, Tallmadge, Uniontown, Canal Fulton, Brunswick, Wooster and many more. If your child has been denied benefits, or if you’re just starting the process, we’re here to help.
There are no upfront fees. You only pay if we win. Call us today at 877-230-5500 for a free consultation or contact us online at sgsdisability.com.
