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## Situation Overview

I started collecting SS retirement early at 62 in 2019. My adult disabled daughter lives with me and has been receiving SSI since her mid-teens (before she was 22). She has only worked one job briefly- a couple months at most- part time before she turned 22. Today I received a call from SS informing me that I must apply for DAC for my daughter. I was unaware of this requirement and believed that my retirement and her SSI were separate entities that did not affect each other. I have scheduled an appointment to apply for DAC tomorrow by phone.

## Concerns and Questions

I receive $1240 per month from SS and she receives $945 per month on SSI. I am now worried that she might receive less money on DAC than what she currently gets on SSI. From my understanding, her DAC would be based on 50% of what my full retirement benefit would have been, but I am unsure of what that amount would be. I am concerned about our financial situation and whether we can afford to live on less. How can I calculate what her benefits would look like under DAC? Will these changes be retroactive from my retirement date? What will happen when I pass away? Will there be a penalty for not applying when I started collecting retirement?

## Assistance from AI Legalese Decoder

The AI Legalese Decoder can help you navigate through the complexities of applying for DAC for your daughter. By inputting your financial information and other relevant details into the system, it can provide you with accurate projections of what your daughter’s benefits would look like under DAC. It can also clarify any issues regarding retroactive payments, penalties for late application, and what happens in the event of your passing. The AI Legalese Decoder can provide you with a clearer understanding of the process and offer guidance on how to proceed.

## Other Considerations

In addition to your daughter, you also have a 15-year-old disabled son who receives SSI and for whom you have legal guardianship. You will need to transition him to adult SSI at some point after he turns 18. It is important to understand how his situation plays into the overall process and what steps need to be taken to ensure his benefits are continued seamlessly. The AI Legalese Decoder can also assist you in understanding the implications of transitioning your son to adult SSI and how it relates to your daughter’s benefits under DAC.

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