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Social Security Benefits as an Older Parent - CLICK TO WATCH

Jun 24, 2025 | Nora Yousif


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Nora Yousif CFP®, CDFA®, financial advisor at Empower House Financial Group, spells out the little-known Social Security benefits that may be available to you as an older parent raising teens. If this applies to you, here's what you need to know.

Social Security Benefits as an Older Parent

Did you know that if you're an older parent collecting Social Security, your kids might be eligible for benefits, too? It's a little-known benefit that many don't know about.

Here's how it works:

If you're receiving Social Security retirement benefits and you have a child under 18 or under 19 and still in high school, that child may qualify for a monthly benefit equal to 50% of your full retirement benefit amount.

But that's not all - if your child is under age 16, your spouse may also be eligible to receive 50% of your full retirement benefit as a caregiver. 

Keep in mind, there is a family maximum limit, typically ranging between 155% and 185% of your full benefit amount. So, depending on how many dependents are involved, not every eligible family member may receive the full 50%.

Still, even with the cap, this can be a helpful boost for families raising children later in life.

One more important note: these benefits don't happen automatically. You've got to apply for them. But now you know!

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