Q: I'm 30 y.o. I'm receiving disabled adult child. If I go back to school am I always stuck at the amount of SSDI I makenow
I'm on disabled adult child with survivor benefits. If I choose to go back to school to make an actual living and I apply for SSD retirement benefits in 30 something years will my benefits match the ones I currently get because I "dipped" into social security already?
A:
Right now the amount you are paid is based off your parent’s earnings record. If you go to school and then work until you reach retirement age you will draw a retirement amount based on your own earnings record. Your current benefits will stop once you are deemed able to work by Social Security - either through a regular review or because you are actually working.
If you engage in actual substantial gainful activity for awhile and then find you can no longer work you likely will have made yourself ineligible for the current disabled adult child benefits you receive and would only be eligible for SSI. If you don’t earn enough (10 years of credits) before retirement age and you are no longer eligible for the disability benefits you now get then you will not get regular retirement benefits either.
I always caution adults who receive disabled adult child benefits to make sure they full understand the potential outcomes if they believe that they can work and attempt to work.
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