Family Benefit Maximum

Hi Larry, if I may, I have a few questions.

I am married with a disabled child who was disabled before age 22. I will be electing to take early retirement this April (Birth Month) at 62. My PIA is $1,149. My reduced benefit would be $828./monthly. Auxiliary Benefits for other family members are $862./monthly, with a Family Member Benefit (FMB) of $1,724./monthly. My wife will be 60 in February and will continue to work.

I plan to file for SS at age 62, this year. My estimate for early retirement is $1986/mon. Full retirement amount shows $2755. I have a disabled daughter presently 35 but disabled pretty much from birth. When I called the SS office, I was giving an approximate amount for my daughter somewhere in the $900 figure. I have read in your forum that child benefit could be based on 50% of my full retirement amount. I was expecting to hear a figure of around $1377.5 based on my full retirement. My family max is $4822. My question is; am I correct

Hi Larry,

When there are 2 saves earners in the family, is there a maximum amount each can receive when filing on their separate work account? Is there a household maximum when filing this way?

Hi,

No, there's no set limit on how much a couple can receive in Social Security benefits based on their own earnings. Each member of a couple can be paid their full benefit rate no matter how high the benefit amount is.

Must a Combined Family Maximum be used in my case, even though my spouse's and disabled adult child's amount needed from my record fit under my individual record's Family Maximum?

I am a divorced spouse, with 2 disabled children. The children's father took early retirement in May 2018 at age 62. I am also 62.My SS started out at $1034. My boys started at $1236 and my ex started at $2101...The first payment was June 2018. The checks increased in January for cost-of-living.

My husband's benefit is 2733 per month. His PIA is about 2297 and his family maximum about 4020. I am 66 and filing for only spousal benefits

My husband has a disabled adult son, who has been disabled since age 7.
After subtracting my husband's PIA, one would assume that his son, and I would each receive 861 per month.

Hello,

I just turned 62 (Dec 2018), but plan to wait until FRA of 66 & 4 months to claim. My projected benefit will be $2866 per month. At that time my wife will just turn 63 and we plan to have her take a spousal benefit of $1433 as that would be larger than her FRA projected benefit 4 years later. We also have an adopted minor child who at that time could get a benefit for another two years. After reading Get What's Yours- Social Security, it sound like our full family benefit would be 1.8 times my FRA benefit ( $5158.80 ), is that correct or will the family limit be lower?

When I file, I believe my disabled adult child, who now receives SSI, will be entitled to receive 50% of my PIA based on my record. I believe she will receive SSDI. My wife will also be entitled to receive SS under my record but she will be taking care of my disabled child. Under these conditions, will my wife also be entitled to 50% of my PIA as long as the total of my, my child and my wife's SS amount doesn't exceed my family limit? My wife will be 63 and I will be 62 when I plan to file. Thank you.

Hi,