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Older Fathers With Minor Children Get Extra Social Security Retirement Money

Updated on May 30, 2012

Being a Good Father is Where It's At


Somebody in Washington Must Like Older Dads

Older dads might be pleasantly surprised to find out that if they reach retirement age for Social Security (age 66 is normal) they can get extra money if they have minor children (under 18).

The federal government gave this break because it was expected that this would not cause too much of a drain on the precious reservoir of Social Security funds. After all, how many dads are still having children born when they are in their fifties? For the child to be under 18 when the father reaches 66, for example, math tells us the child would have to be born when the father was over 48 years old.

The extra money is usually an extra sum equal to half of the normal Social Security retirement amount going to the father. It's taxable to the child, who usually will pay no taxes on it because all Social Security benefits are subject to a formula that usually results in no tax because of the low amount of other income in addition to Social Security.

I'm mentioning only fathers, but the same would apply to mothers as well, except that few would be having children after age 48.

There are more liberal provisions for payments for disabled children that are not so age-restrictive, but here in this article we are talking about just those children who are simply qualifying by minority age alone.

There are maximum limits for any one dad, however. So middle aged men shouldn't get too many ideas about becoming rich based on producing multiple children in their old age. Also, the extra money received must be used to benefit the child in question, and not for betting on horse races or the like. The government sends out a simple form every so often where the dad will indicate expenses that went toward the child's entertainment, clothing, food, housing, education and so on.

The Social Security fund is one of the most enormous government funds in the world. There is some fear of running out, especially with the Baby Boom coming up, but at present, this extra advantage is available to older dads.

For further information, or for proof you aren't dreaming, just do a Google word search for "social security child under 18."


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      harryn 2 years ago

      I think that stinks....if a child or dad is disabled certainly...but just because an older man divorces his first wife and remarries a 2nd younger woman and she wants kids too...he made the decision to have those kids and now our social security has to pay them....urrrrrr :(

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      carol stanley 5 years ago from Arizona

      I know several old dads with young kids and they did get a monthly check. I am not sure how I feel about this. And today they have a new theory that autism comes from older dads. Thanks for sharing this information.

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      Robert Welton 5 years ago

      Thanks - that is me! am 64 with 13 year old - new incentive to retire early...does that apply if I retire before 66 (AGE 64 OR 65)?


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      wwolfs 5 years ago

      Interesting. Have never heard of this. Could be an incentive for some middle age men. Though they may tend to feel a little like grandpa.