S6E5 - Child in Care Spousal Benefit: What’s That?
Part of Our Parallel Paths Podcast Series
Child in Care Spousal Benefit: What’s That?
Part of Our Parallel Paths Podcast Series
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Recording Date: 09/10/2026
Transcript: Download Transcript Here!
Keywords: Disability, Social Security, Child-in-Care Spousal Benefit, Disabled Adult Child (DAC), SSI, Medicare, Retirement Planning, Caregiving, Our Parallel Paths, Geralyn, Michael
Episode Summary: Geralyn is joined by her husband, Michael Deely, to explore a little-known Social Security provision called the Child-in-Care Spousal Benefit. Using a fictional family case study, they break down who may qualify, how the benefit works alongside Disabled Adult Child (DAC) benefits, and why the Social Security “deeming rule” matters. They also discuss earnings limits, Medicare, retirement planning, and the questions families may want to ask as they consider whether this benefit could be part of their own financial planning.
Topical Index:
- Opening, Introductions, and an Important Disclaimer [00:13]
- Meet Brad, Janet, and Scott: Understanding the Child-in-Care Spousal Benefit [03:52]
- Eligibility, Benefit Amounts, and Earnings Limits [08:58]
- The Deeming Rule, Common Misconceptions, and Social Security Questions [15:26]
- Disabled Adult Child Benefits, Medicare, and Retirement Planning [21:52]
- Preparing to Apply, Resources, and Next Steps [25:09]
- Closing Reflections [29:10]
Resources:
YouTube channels:
All Things Social Security - YouTube
https://www.youtube.com/@MyGovExpert
Articles:
A Social Security Spousal Benefits Loophole for Caregivers
Benefit Calculators:
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