Who is typically entitled to child's benefits under Social Security?

The entitlement to child's benefits under Social Security is primarily based on the relationship between the child and the worker. Children of deceased or disabled workers are specifically eligible for these benefits as a means of financial support, recognizing the economic impact that a parent's death or disability can have on their dependents. This provision is designed to provide assistance to those who are younger and potentially unable to support themselves due to their age.

Biological children are not the only ones who can claim these benefits; they can also include stepchildren, adopted children, and, in some cases, dependent grandchildren. This broadens the scope of eligibility beyond just biological connections, ensuring that various family structures are acknowledged.

While children under 21 years of age and those living with the insured individual may seem relevant, the critical factor is whether the parent is deceased or disabled, which directly qualifies children for benefits. Thus, being the child of a deceased or disabled worker is the defining criterion for entitlement.