Disabled children, age 18 or over, of insured workers may receive benefits based on
            disability if:
         
         
            - 
               
                  • 
                     The disability began before the “child” reached age 22; and, effective with the 1965
                        amendments (7/65), has lasted or can be expected to last a continuous period of at
                        least 12 months or to result in death.
                      
 
 
- 
               
                  • 
                     The “child” is dependent on an insured worker who either has died or is entitled to
                        retirement or disability benefits, or effective January 1973 under certain circumstances
                        the “child” is a dependent grandchild or step grandchild of the wage earner or his/her
                        spouse.
                      
 
 
- 
               
                  • 
                     The “child” meets the same definition of disability as disabled workers. However,
                        a child does not need a record of work under Social Security, nor is any waiting period
                        required.