Hi Larry. My husband reaches full retirement age in 2 months. He plans to take his retirement, but continue working for 1-2 more years. We have a DAC, and I plan to file for spousal benefit for caring for my son. So when he finally completely retires, is the family maximum amount based on his full retirement age benefit or will it increase if he works an additional 2 years. Also will the survivor benefit be based on full retirement benefit, or will it be based on the amount he would get when he finally does retire? Thank you so much, janelle

I am 77, PIA =2891, married, with an adult disable son drawing 50% on my record=1445. My wife is 66 and is applying on my record, no record of her own. My family max is 5060. Therefore, my present wife and adult disabled chlild will get 1080 each on my record using my family max, which reduces the benefit of my disabled child to 1080 from 1445. But the adult disabled child, who lives with my EX is entitled to her record as well. Her PIA is 847 and her family max is 150% of that. what is the benefit of the disabled child after combining the maximum for me and my EX?

Larry, I am 76 getting 2891 soc sec monthly benefits. I have a disable son before age 22 who gets half of mine and lives with my EX. I am married more than a year and wife does not qualify on her own record. She will apply on my record, she is 66.
My EX who is the mother of my disable son is collecting ss benefits on her record.
I computed my family max at 5050, which at first calculation leaves 2160 to be now divided between my wife and disable son.
This means the my sons adult disable benefits will be cut.

My husband's PIA is $2,852
His a family maximum is $4,992
My son's ssdi on his own record is $1,413
My son's dac on his father's record is $13
I recently applied for my benefits and spousal benefits
My benefit is $1,016
My spousal benefit is $20
I believe Social Security made a mistake when they calculated my spousal benefits.
I believe this happened because both my son and I have dual entitlement.
After subtracting my husband's PIA from family maximum the amount is $2,140.

Family Maximum Formula for SSDI vs. Retirement Benefits

Per the Social Security website, "there is a special formula for computing the maximum benefits payable to the family of a disabled worker" but a different formula for computing the family maximum for retirement and survivor benefits. My question pertains to whether the family maximum formula used would change when someone who has been claiming SSDI reaches full retirement age and their benefits convert to retirement.

Hi there - both my husband and I are disabled and have been for 9 and 6 years, respectively. We receive SSDI from our own record - he receives $2000 and I receive $1500. We also have 6 children who receive auxiliary benefits only: 4 under my husbands work record get 250 each and 2 under my work record get 375 each. I was told that our accounts can be combined to allow more benefits for our children. Can you tell me more about this?

My wife (age 62) is on SS, and our disabled adult son has just been approved for DAC/CDB benefits. I (age 65) will be filing a restricted application for Child-in-Care benefits and not applying for SS on my earnings history until age 70. I have used the SSA formula for calculating Family Benefit Maximum and am trying to determine how my CIC benefit will affect my son's benefit. Is this the correct formula to use: ( [Family Benefit Max] minus [my wife's benefit] ) divided by [# of auxiliary benefits which is two in this case for my disabled son's benefit and my CIC benefit]?

Restricted application for spousal benefits on spouse who is 62 on SSDI. I was born in 1953. Social Security says my spousal benefits is limited due to the family maximum although we have no dependents. Is this corrected. My spouse collects 940.00 and I thought will receive 50% of her benefits. Instead I am only receiving 51.00 a month. I did collected spousal benefits from a previous marriage and received 50% and no family maximum was applied. Since I remarried, this has stopped and I waited for 1 year before applying a restricted application for my new spouse.

Larry
I am 68 as of June-21 and plan to retire this Jan 31-22. My income meets max payout, My wife retired at 62 and collects SSA. I have a 32 yr old disabled son (Autistic-cannot work) who gets SSA thru my wife and some SSI. My wife cares for him. When I retire I have a family max but won't my SSA be a Supplement to what they are getting now up to 50% of my mid point number? For example if my 50% mid point is $1,300, SSA then looks at what my wife and son are getting now and my SSA only "tops-off" their amounts to reach $1300....correct?

I use your retirement software and maximize SSN. My wife and I have both worked and qualified for SS near the max individual levels. As far as I can tell from your software and my financial advisor - we can both draw SS independent of each other whenever we decided to do so. There is no maximum family ceiling in our case. ---- Is this the case? --- Reason for checking is I have a relative who's accountant is tell them there is a family maximum level and that she should start drawing SS now at 62 because waiting won't matter because of this max value.