It may come as a surprise, but thousands of children who were once receiving Social Security benefits under the Survivors Program are now seeing their payments reduced or even stopped.
This change is causing concern for families who rely on these payments to support their children. So, why is this happening, and who is affected?
Let’s dive into why children may lose their Social Security benefits in 2024, what the eligibility criteria are, and what families can expect moving forward.
What Are Social Security Benefits for Children?
Social Security benefits for children are often provided through the Survivors Program. These benefits are meant for children whose parents have passed away, offering financial support to help them through their younger years. The amount they receive depends on how much the deceased parent contributed to Social Security while they were working.
But here’s the tricky part – not every child continues receiving these benefits forever. Certain rules apply to who gets these benefits and for how long.
Who Is Losing Their Benefits in 2024?
According to the Social Security Administration (SSA), about 30,000 children who were previously receiving benefits have had their payments cut off this year. This change happened for several reasons, including age limits, schooling requirements, and changes in family structure.
Overview of Social Security Benefits for Children
| Criteria | Eligibility for Benefits |
|---|---|
| Age Limit | Under 18 years old, or up to 19 if still in high school |
| Unmarried Status | Child must be unmarried |
| Disability | Eligible if the child became disabled before age 21 |
| Family Maximum Benefit | Limited to 150%-180% of the parent’s Social Security benefit |
Age and Schooling: The Key Factors
One of the main reasons children lose their Social Security benefits is simply because they reach the age where they are no longer eligible. The SSA generally stops payments when a child turns 18 unless they are still in high school, in which case benefits can continue until they turn 19.
If the child has a disability that began before the age of 21, they may continue to receive benefits indefinitely. But for many children, as soon as they hit the age of 18 or graduate from high school, the payments stop.
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How Much Do Children Typically Receive?
On average, a child who is eligible for Social Security benefits in 2024 might receive about $1,103.59 per month. This amount can vary depending on how much the deceased parent contributed to Social Security while they were working.
A single child can receive up to 75% of their parent’s basic Social Security benefit. However, the family’s total benefit is capped at a certain percentage of the parent’s Social Security benefit, usually between 150% and 180%. If the total amount exceeds this limit, the SSA reduces each family member’s benefit proportionately.
Why Are These Changes Happening?
It’s important to remember that the reduction in benefits is tied to clear rules. As children grow older, finish school, or marry, they become ineligible for benefits. Additionally, with the overall decline in birth rates, fewer children are becoming eligible for benefits in the first place.
The SSA’s rules are designed to ensure that benefits are distributed fairly and only go to those who meet the specific eligibility requirements. This isn’t a new process, but it can still be a shock for families when payments stop suddenly.
Must Read: Missed Your Social Security Payment? Here’s How to Claim It Now?
What Should You Do if Your Child is Affected?
If your child’s Social Security benefits have been stopped or reduced, you may want to contact your local Social Security office to understand the specific reasons. They can explain whether your child may still qualify based on certain conditions, like a disability or school enrollment.
It’s also worth exploring other programs, such as Supplemental Security Income (SSI), which may provide additional support if your family’s financial situation meets the requirements.
Eliot Pierce is a dedicated writer for ChiefsFocus.com, covering local crime and finance news. With a keen eye for detail and a passion for storytelling, Eliot aims to provide his readers with clear and insightful analysis, helping them navigate the complexities of their financial lives while staying informed about important local events. His commitment to delivering accurate and engaging content makes him a valuable resource for the community.