I will be collecting social security benefits at 62. My husband will be collecting social security benefits at 62. We have an adult disabled daughter, currently receiving ssdi and ssi, disabled at birth.
Our FMB is $5677
Husbands PIA is $3243
My husbands benefit will be $2283 at 62
We want to know what are benefits will be based on my husbands record.
What will my benefit be?
What will my Daughter's benefit be?
Thank you,
Lynda
Hi Lynda. I'm assuming you mean that you'll be collecting spousal benefits on your husband's account, and that you'll qualify for unreduced child in care benefits. Based on the amounts you've quoted, your daughter could be paid a total of $1217 monthly. That's calculated by subtracting your husband's primary insurance amount (PIA) from his family maximum benefit (FMB), and dividing the result by 2. She couldn't be paid both her own Social Security disability (SSDI) amount and the full child benefit amount, though, just a total rate equal to the higher of the 2 amounts. And, if she's receiving Supplemental Security Income (SSI) payments, those payments will stop when she starts collecting child benefits.
Your unreduced child in care spousal rate would also initially be calculated at $1217. But, if you aren't eligible for benefits based on your own earnings history and since your daughter is collecting SSDI benefits, you could potentially be paid up to $1621 monthly, or 50% of your husband's PIA. The exact amount of your benefit would depend on the amount of your daughter's SSDI benefit. Since part of her total payment rate of $1217 would be paid as her SSDI benefit, that would free up some of the FMB to be redistributed to you.
It sounds like you and your husband have many possible filing options to consider, and the number of possible options would multiply substantially if you're insured for Social Security benefits on your own account. You and your husband should strongly consider using our software (https://maximizemysocialsecurity.com/purchase) both to confirm the accuracy of your future benefit rates and to fully analyze the options available to you in order to determine your best strategy for maximizing benefits for your family.
Best, Jerry
