Can children get Social Security benefits?

Yes, the daughters and sons of workers who are retired, deceased or have a disability can in many cases collect Social Security benefits on a parent's earnings record.

Social Security incorporates children into its benefit structure to help retirees with younger children provide for their families and as a form of insurance when a parent dies or can't work because of disability. In February 2025, nearly 3.8 million children received benefits totaling more than $3.5 billion, according to the Social Security Administration (SSA).

A worker's biological or adopted children can qualify for benefits, as can stepchildren in certain circumstances. Grandchildren also may be eligible if the grandparent has adopted them or Social Security recognizes them as financially dependent on the grandparent.

Payments stop when the child turns 18, with two exceptions:

• The child still is a full-time student at grade 12 or lower. Benefits can continue until graduation or age 19 and 2 months, whichever comes first.
• The child has a disability that began before age 22. In this case, benefits can continue into adulthood.

The child also must be unmarried, except in very limited circumstances involving adults with disabilities receiving child benefits on a parent's record.

Children of a living Social Security beneficiary can collect up to half of the parent's primary insurance amount. That's the benefit a worker is entitled to collect at full retirement age.

Survivor benefits for children can be up to 75 percent of a late parent's monthly benefit. Sons and daughters of deceased workers account for more than half of child beneficiaries.

Childhood disability benefits

Children with disabilities in low-income households also may qualify for Supplemental Security Income (SSI), a benefit program that Social Security administers but does not fund. More than 1 million minors received SSI in February 2025.

These benefits can continue until the child turns 18, subject to periodic reviews of his or her condition. When beneficiaries turn 18, Social Security will review whether they qualify for SSI under different criteria for adults.

You can find detailed information in the SSA publications Benefits for Children and Benefits for Children With Disabilities.

Keep in mind

Children's benefit payments may be reduced subject to Social Security's family maximum. This rule caps the total amount a family unit can receive on one worker's earnings record. The maximum is more likely to come into play if multiple people collect benefits on that worker's record.