Hi Larry. My husband is about a year from retiring. We have an adult disabled child that I’ve taken care of since birth and therefore haven’t worked. My husbands benefit at full retirement age is 1,991. I understand both my son and myself are eligible for benefits based on his benefit. Could you give me an estimate of what our family maximum benefit would be and the approx amount my son and I would receive? Due to a new diagnosis for myself, and high medical bills we were not expecting, this has become very important. Thank you so much.

Hi. The computation of the family maximum benefit (FMB) amount that can potentially be paid on your husband's account depends in part on his year of birth, so I can't give you an accurate amount. I would guestimate, though, that the FMB based on what you state is your husband's full retirement age rate would amount to roughly $3,650.
That means you and your child might each potentially expect to qualify a benefit amount of around $830 (i.e. ($3650 - $1991)/2) when your husband starts drawing his benefits.

You and your husband may want to strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to obtain accurate amounts, and to fully analyze your options so that you can choose the best possible filing strategy to maximize benefits for your family.

Best, Jerry