When a worker becomes disabled, the financial impact ripples through the entire household. Social Security Disability Insurance (SSDI) addresses this by offering “auxiliary benefits,” additional monthly payments for your spouse and children.
As of January 2026, these benefits have increased due to a 2.8% cost-of-living adjustment (COLA). If you are a disabled worker, here is how you can ensure your loved ones are protected.
Who Qualifies for Family Benefits in 2026?
To receive benefits on your record, family members must meet specific criteria set by the Social Security Administration (SSA).
1. Your Spouse
A spouse may qualify if they meet one of the following:
- Caring for a Child: They are caring for your child who is under age 16 or was disabled before age 22.
- Age 62 or Older: If they have reached early retirement age (though benefits are reduced if taken before Full Retirement Age).
- Divorced Spouses: If you were married for 10+ years and your ex-spouse is currently unmarried and 62 or older. (Note: Their benefit does not reduce your current family’s payments).
2. Your Children
Your unmarried children may qualify if they are:
- Under age 18.
- Aged 18–19: Full-time students in high school (up to grade 12).
- Disabled Adult Children (DAC): If they have a disability that began before age 22, they may be eligible for life-long benefits on your record.
Important to Note: These eligibility requirements can change over time. For example, a spouse caring for a young child may qualify for benefits until the child turns 16, then become ineligible until they reach their Full Retirement Age. Similarly, some children will stop receiving benefits when they turn 18, while others may continue receiving them up to a year after high school graduation.
How Much Will Your Family Receive?
While each eligible family member can qualify for up to 50% of your monthly SSDI amount, the total amount your family receives is subject to a strict ceiling.
The “Family Maximum” (FMAX)
The total amount paid to you and your family cannot exceed a certain threshold. For disabled workers, the Family Maximum is generally 150% of your primary benefit.
Calculation Example
If your 2026 SSDI check is $2,000:
- Your Benefit: $2,000
- Family Maximum (approx. 150%): $3,000
- Available for Family: $1,000 total.
- If you have one child, they get the full $1,000. If you have two children, they split it ($500 each).
2026 Action Checklist
- [ ] Gather Documents: Collect birth certificates and marriage licenses.
- [ ] Apply Early: Family benefits are not always retroactive; apply as soon as you are approved for SSDI.
- [ ] Check School Status: If your child is 18 and still in high school, you must submit Form SSA-1372 to keep their benefits active.
You don’t have to do it all alone
You can confidently navigate this journey by understanding the process, gathering compelling evidence, and seeking assistance. Our team of experts can guide you through the disability application and appeals process. Schedule a free consultation today, and remember, you won’t be charged unless your claim is approved.
Related FAQs
Does adding my child reduce my own SSDI check?
No. Your personal monthly benefit remains the same. Only the auxiliary benefits for your spouse or children are adjusted to fit under the Family Maximum cap.
Can my stepchildren or grandchildren get benefits?
Yes. Stepchildren and legally adopted children qualify just like biological children. Grandchildren may qualify if you are their legal guardian and their parents are deceased or disabled.
How do I add family members to my benefits?
You generally cannot add dependents online. You must call the SSA at 1-800-772-1213 or visit a local office. You will need their birth certificates and Social Security numbers.
What is the "Family Benefit Calculator"?
The most accurate "calculator" is your my Social Security account. It uses your actual earnings history to provide a specific "Family Maximum" dollar amount.