Can A Grandchild Receive SSA Benefits?

Q: I have custody of my young granddaughter and raising her without assistance from her parents. Can she receive benefits through my record when I start Social Security retirement next year?

A: In very limited situations, a dependent grandchild can receive benefits through a grandparents Social Security record.

Requirements include that the grandchild’s natural or adoptive parents are disabled or deceased at the time the grandparent became entitled to SSA retirement or disability benefits or died, if survivor benefits are involved.

The grandchild must have lived with the grandparent before reaching age 18 and receiving at least one-half support from the grandparent.

If the grandparent has adopted the grandchild, regular rules for child benefits would apply.

 To ask about your specific situation, call the national SSA toll-free number, 1-800-772-1213 (TTY 1-800-325-0778), or contact your local office.