Full question: I am retired and on Social Security. I have children under 18 and receive Social Security money for them. Are the children allowed to earn any money themselves and if so does this effect how much I receive on their behalf?

Hello,

Yes, children receiving Social Security benefits can earn money, but their earnings can affect the benefit amount if they become high enough to trigger taxes or impact the family maximum.

Generally, for standard retirement/survivor benefits, it’s the family maximum that’s key, not the child’s earned income directly reducing their portion, but rather reducing everyone’s share if the total family payout exceeds the limit.

For personalized assistance, you can work with an RSSA.

Warmly,
Martha

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