Social Security Disability Benefits for Your Child With Down Syndrome

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If you are a parent of a child with Down syndrome, you know that medical bills, therapists’ appointments, and other expenses add up quickly. Fortunately, there could be help available for you. The Social Security Administration (SSA) offers financial resources to people with disabilities.  

Financially Qualifying with Down Syndrome 

If you are applying for Social Security disability benefits on behalf of your child with Down syndrome, your income and assets will be evaluated by the SSA. This means that if you or your spouse makes a living wage, your child disability benefits. The SSA has an online chart that shows exactly how much your family can earn per month while still qualifying. 

Income limits are unfortunately the most common reason children with Down syndrome are denied benefits, but there is good news: Once your child is 18, the SSA will not take your income into consideration anymore, even if your child still lives at home. Many families with a child who has Down syndrome find that their child qualifies after turning 18.  

An adult with Down syndrome cannot have more than $2,000 in assets, which include cash, stocks, or life insurance. You can help support your child after he or she turns 18, but be sure that your child doesn’t save more than $2,000 without first creating an ABLE account.

Medically Qualifying with Down Syndrome

When the SSA receives your child’s application, it will compare his or her medical records to its own medical guide called the “Blue Book.” The Blue Book has hundreds of illnesses or disabilities listed, as well as what test results or records are needed for someone to medically qualify for disability benefits. The Down syndrome Blue Book listing is very straightforward for both children under age 18 and adults. It states that anyone with either Trisomy 21 or Translocation Down syndrome will medically qualify with simply a diagnosis. To prove that your child has Down syndrome to the SSA, you will need to be able to show a laboratory report of a karyotype analysis signed by a physician, or an unsigned karyotype analysis with treating physicians’ records.

How does my child qualify with Mosaic Down syndrome?

Around 2% of people with Down syndrome have Mosaic Down syndrome. The SSA’s Blue Book listing only covers non-Mosaic Down syndrome. This is because many people with Mosaic Down syndrome may not experience the same physical or cognitive limitations as people with Trisomy 21 or Translocation Down syndrome. 

Qualifying with Mosaic Down syndrome is not as straightforward, but it is still possible. You will need to show that complications due to your child’s Mosaic Down syndrome keep your child from participating in typical childhood activities if under age 18, or keep your child from working if 18 or older. 

Some Down syndrome complications that are listed in the Blue Book include:

  • Heart defects
  • Sleep apnea
  • Cognitive disabilities
  • Seizures
  • Hearing or vision loss

Because every person with Down syndrome is completely different, you should work with your physician to look over the Blue Book and determine whether or not your child could qualify. 

Starting the Application Process

You can start an application on behalf of your child online, but you will need to stop by your local SSA office to finish the process. There are multiple offices in every state. Before your appointment, be sure to review the Childhood Disability Starter Kit, or the Adult Disability Starter Kit if your child is age 18 or older. These guides will outline everything you’ll need to apply, from your household pay stubs to your child’s personal documents, like a birth certificate. You can get the process started by scheduling an appointment with the SSA. To make an appointment at your nearest office, call the SSA toll-free at 1-800- 772-1213.