Adult Disabled Child Benefits: The “DAC” Rule You Might Not Know
Confused by Social Security?
If you have a child who became disabled before age 22, they may be eligible for DAC (Disabled Adult Child) benefits on your record.
What Happens When You Retire?
When you file, your “adult child” can receive 50% of your benefit. If you pass away, they receive 75%.
Medicare Eligibility
After 24 months of DAC benefits, your child qualifies for Medicare—even if they are young.
Raising a child with disabilities?
Your Social Security strategy needs to include them. Let’s run the household numbers.
Strategy
Sometimes filing early helps trigger the DAC benefit sooner.
About Author
Ray R. Harris
Ray R. Harris, RSSA®, partners with tax and legal professionals to provide specialized Social Security claiming analysis for high-net-worth clients aged 58–70. A former executive with an MBA and background in Finance, Ray mitigates liability for his partners by ensuring their clients optimize spousal benefits, tax efficiency, and lifetime income.
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