How does adoption affect Social Security benefits for my child in Delaware?

Adoption creates important Social Security eligibility for your child. Once finalized in Delaware, the child qualifies for benefits based on YOUR Social Security record.

Benefits after adoption:

1. Survivor Benefits:

• If you (the adoptive parent) pass away, your adopted child can receive Social Security survivor benefits
• Without adoption, stepchildren may have difficulty qualifying
• These benefits can be substantial — potentially hundreds per month until age 18

2. Disability Benefits:

• If you become disabled and receive SSDI, your adopted child may qualify for dependent benefits
• Without adoption, stepchildren may not qualify

3. Retirement Benefits:

• When you retire and receive Social Security, your adopted child (if still a minor) may qualify for dependent benefits

What about the biological parent's Social Security?

• After adoption, the child may lose eligibility for benefits based on the terminated biological parent's record
• This is an important consideration if the biological parent is deceased or disabled and the child currently receives benefits
• Discuss this with Social Security Administration before finalizing if applicable

How to update Social Security:

• After adoption, bring the adoption order to your local Social Security office
• Update the child's records to reflect the new legal parents
• Apply for any newly eligible benefits

Cost of adoption: $349 + court fees | Timeline: 4-6 months