What criteria must Susan meet to be eligible for DAC benefits?

To qualify for Disabled Adult Child (DAC) benefits, an individual must meet specific criteria set by the Social Security Administration. The correct answer outlines that the applicant must be unmarried, have a disability that occurred before the age of 22, and not be required to have a work record.

Being unmarried is essential because DAC benefits are intended for children of disabled or deceased workers who are no longer able to rely on their parents' earnings. The requirement that the disability must have occurred before turning 22 ensures that the benefits are aimed at those who need support due to the long-term impact of their disability from a young age. Additionally, while many benefits hinge on a work record, the rules for DAC benefits allow for situations where a disabled adult child has not yet established a work history, thereby enabling those who fall into this category to receive assistance.

The other options present various criteria that do not fully comply with the requirements for DAC eligibility, such as the need to be under a certain age or a certain marital status that is not applicable, or including a work record that is not a necessity in this specific context. Therefore, the correct response encapsulates the essential requirements for DAC benefits.