Child With Disabilities Turning 18: Your child becomes a legal adult when they reach eighteen. It’s crucial to think about their financial situation now, particularly if they may require ongoing care as they get older.
Child With Disabilities Turning 18
The following five items might assist you in getting ready for this milestone:
1. Making Health and Welfare Decisions
You may no longer legally make choices about your child’s health and wellbeing when they turn 18. Nonetheless, you can continue to participate by:
A Representative Payee: The person who best matches the role of Representative Payee for your child’s benefits will be chosen by Social Security. Please visit our homepage at www.ssa.gov/payee/index.htm to read more about the Representative Payee programme.
Guardianship: This calls for participation from the courts. If your child is unable to execute a power of attorney, it could be required.Please seek legal counsel if you need help.
2. Modifications to Supplemental Security Income (SSI) Eligibility
For adults and children with disabilities or blindness who fall below certain income and resource thresholds, SSI pays monthly benefits.
In the event that your kid is on SSI, we will evaluate their eligibility for ongoing benefits upon turning 18 in accordance with the adult disability regulations. Please visit www.ssa.gov/pubs/EN-05-11005.pdf to read the booklet, What You Need To Know About Your Supplemental Security Income (SSI) When You Turn 18 for further information. Kindly make sure you and your youngster go over this. You are also invited to visit the Youth Resources website of Social Security at www.ssa.gov/youth.
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3. Transitions in Education
In the event that your child attends public school, they have several possibilities for furthering their education. These include:
A diploma: With an Individualised Education Programme (IEP), they can continue their education by enrolling in trade or college programmes. You may find out more about the IEP at www.ssa.gov/pubs/EN-64-118.pdf.
A certificate: Even after completing their final year of high school, students could be able to continue in a transitional programme. The majority are allowed to stay until they become 22.
Job: During pre-graduation IEP sessions, local vocational rehabilitation services might offer assistance with job choices.
4. Assistance with Living Situations
Depending on the assistance they now receive, your kid may be able to select or be eligible for alternate living arrangements after they reach 18. How will your child obtain therapy services when they leave school if they receive them there?Either private insurance or a Medicaid waiver might be used to pay for them.
Additionally, eligibility for respite programmes may differ. Family carers can take a break from their responsibilities with the help of respite programmes. Before choosing on living arrangements and services for your child after high school, it is crucial that you be aware of all the advantages and possibilities accessible to them.
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5. Safety Nets
Functional Needs Trust: Before your kid turns 18, update your estate planning forms. If not, inheritance might end your child’s eligibility for government aid.
ABLE Account: The amount of money you may put into this account is limited annually, and its financing only goes so far. Visit www.ssa.gov/payee/able_accounts.htm for more details about ABLE accounts.
If a child is enrolled full-time in a primary or secondary school, they may be eligible to receive benefits on their parent’s record until they become 19 years old. Child benefits may also be available to individuals at any age if they have a qualifying disability that started before to the age of 22. Please see Benefits for Children, available at www.ssa.gov/pubs/EN-05-10085.pdf, for further information.
As your child approaches the age of 18, keep these things in mind as you plan for their financial future. Please visit the Social Security website at www.ssa.gov or get in touch with the Needs Alliance at www.specialneedsalliance.org/contact-us for further information.
