How do I apply for SSI when my child is turning 18?

Here are some key things to keep in mind:

• Once your child turns 18, SSI will only consider their income and resources to see if they’re eligible. If they do have assets in their name, that could affect their eligibility.
• Benefits will depend on your child’s living situation. If they’re still living at home, then either SSI will deduct a third of the benefit for them getting free rent, or you can write out a rental agreement or loan agreement.
• If you or your child’s other parent collect SSDI or Social Security retirement benefits, your child may be able to get Disabled Adult Child benefits, which is typically higher than the SSI amount.
• The process can take many months, but if approved, it’s possible to get retroactive benefits to your application date.

Be sure to check out our full article about applying for SSI for an 18-year-old.