My wife is currently drawing Social Security Disability benefits.

We have one child still in school. Our private disability insurance requires us to apply for dependent benefits on his behalf.

We did this via a telephone interview and received a form SSA-1372 with most of the information filled out. The form contains a question as to whether our son has a bank account.

This was not asked during the phone interview. But I'm curious as to why this question is even there. Is there a possibility he might need to "spend down" before qualifying for benefits?

  • 1
    Is it so the benefits would be directly deposited into his account?
    – RonJohn
    May 15, 2018 at 14:12
  • Usually there is a separate form to authorize direct deposit (IIRC that's the way it was when we applied for my wife's benefits).
    – David
    May 15, 2018 at 15:13
  • There's nothing here about an account being used for to check for resources that must be spent for eligibility. There is a statement about a canceled check or account statement being used for direct deposit.
    – mkennedy
    May 15, 2018 at 17:52

1 Answer 1


As suggested by @RonJohn and @mkennedy, this is for direct deposit.

I resigned myself to making an attempt to contact our local Social Security office; I was surprised to get to a representative in under ten minutes. The person with whom I spoke confirmed that this information is used (only) for direct deposit of benefit payments.

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