Other Programs

You may qualify for many other benefits programs. For example, if you get Supplemental Security Income (SSI) and are over 18, you can probably get help from the Food Assistance Program and may be able to get income support from the Family Independence Program (FIP).

Depending on your circumstances, two Social Security programs may give you benefits based on contributions your parents made during their careers: Child’s Benefits and Disabled Adult Child (DAC).

Asset-building programs, including ABLE accounts, Individual Development Accounts (IDAs) and the Earned Income Tax Credit (EITC), can help you save up money without losing benefits you get that have income and resource limits.

Food Assistance Program

The Food Assistance Program (formerly Food Stamps) helps you pay for food by giving you a plastic card, called an Electronic Benefits Transfer (EBT) card, that looks and works like a debit card. Michigan puts money on the EBT card each month and you use it to buy food. To qualify for Food Assistance Program benefits, you must have low income and limited resources.

Note: If you and everybody else in your household gets either SSI or FIP benefits, you automatically qualify for the Food Assistance Program.

Learn more about the Food Assistance Program.

The Family Independence Program (FIP)

FIP gives money to families with low income and low resources who don't have enough to pay for basic needs, like food, clothing, and rent. For FIP, a family is one or two parents living with their child or children under 18. The age limit is 19 for children who are in school full-time. A family can include biological kids, step-kids, adopted kids, and children of relatives.

Learn more about FIP and other Michigan cash assistance programs.

Child’s Benefits (only if you are under 19)

The most common way for adults to get Social Security benefits, like SSDI or retirement benefits, is to work and pay into Social Security’s trust fund.

For young people, however, another common way to get Social Security benefits is to qualify for Child’s Benefits. You don't need to have a disability to qualify for Child’s Benefits. To get them, you must:

• Be under the age of 18 (or 19 if you’re attending high school or other secondary education)
• Not be married, and
• Have a parent who gets Social Security retirement benefits or SSDI. If your parent is deceased, you may also qualify.

You get Child's Benefits in any month your parent gets a Social Security disability or retirement benefit, or if your parent is deceased and would have qualified for benefits. For example, if your parent is in SSDI's Trial Work Period, you keep getting Child's Benefits, but during the Extended Period of Eligibility, you only get a Child's Benefit in any month your parent gets SSDI benefits. Make sure to tell Social Security if your family is in this situation.

You can apply for Child’s Benefits at your local Social Security office or by calling 1-800-772-1213 or 1-800-325-0778 (TTY).

Learn more about Child's Benefits or talk to a Benefits Planner.

Disabled Adult Child (only if you are 18 or older)

If you have a disability, you may qualify to get money each month through the Disabled Adult Child (DAC) program. DAC is based on your parent’s work record.

To qualify, you must:

• Be 18 or older
• Have a disability since before you turned 22 that meets Social Security's adult definition of disability
• Not be married, unless your spouse also gets SSDI or DAC, and
• Have a parent who gets Social Security retirement benefits or SSDI. If your parent is deceased, you may also qualify.

You don’t automatically get DAC when you turn 18. You can apply for it at your local Social Security office or by telephone at 1-800-772-1213 or 1-800-325-0778 (TTY).

If you get DAC, you can also get health coverage through Medicare after a 24-month waiting period.

Learn more about DAC in DB101's SSDI article.

Asset-Building Programs

Instead of sending you money or paying for your health expenses, asset-building programs help you save up your own money so that you can afford to pay for future expenses, such as education, buying a car, or even retirement.

ABLE Accounts Help You Build More Assets

Individual Development Accounts (IDAs)

An IDA helps people save money for a specific goal, such as buying a home, starting a small business, or paying for education. The great thing about an IDA is that for every dollar you save, the bank or other financial institution where you have your account matches your money. For example, if you save $50 per month, the financial institution might contribute $100 per month. The amount they contribute depends on the institution, but sometimes they put more money into your account than you do!

To open an IDA:

• You must have low income, and
• The money you contribute must be money that you earned from work, not from a benefits check, your parents, or any other source.

Read DB101’s Building Your Assets and Wealth article to learn more about IDAs.

Earned Income Tax Credit (EITC)

The Earned Income Tax Credit (EITC) gives money to low- to moderate- income workers and families. Even people who don’t make enough to owe income taxes may qualify for this tax credit.

To qualify, you must have income from employment, self-employment, or employer-paid disability benefits and you must file your taxes! The amount of your EITC depends on your family size and income and can range from $2 to $7,830. Note: If your income is too high, you don't qualify for the credit.

For more details, read DB101’s Tax Credit page.