# How Would Our Family's Benefits Be Calculated?

Sep 27 2017 - 12:16pm

My wife and I are both now 66 (she in July 2017 and I in August 2017) and we have a disabled daughter living with us on SSI who currently gets \$735/month. My wife's PIA is \$940 and my PIA is \$2341. My wife just started receiving her monthly \$940 and we were planning on my applying for spousal benefits at \$470 and letting my account grow at 8% until it reaches my maximum of \$3090 when I am 70. That would have been an interim total of (\$940+\$470+\$735)= \$2145, but family maximum kicks in, with a family maximum of \$1410 under that scenario, which would mean my daughter and I each get only (\$1410-940)/2 or \$235 each.

So instead if we switch to taking my benefits now, the family maximum is \$4096 and I would receive \$2341 and my wife and daughter would receive (\$4096-\$2341)/2 = \$877 each. Is that correct, even though my wife is eligible for \$940 under her own earnings? Or is my wife going to get \$940 and my daughter be reduced to (\$4096-\$2341-\$940)=\$815. And since the family maximum stays at \$4096 there is no reason to delay to let my amount grow at 8% until age 70, correct? Our primary concern is to make sure my daughter does not lose SSI which would then threaten her Medicaid eligibility.