Ask Larry

Family Benefit Maximum

Can You Tell Me More About Combining Accounts?

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?

Saturday, January 15, 2022 - 12:08

How Do I Determine How My Child In Care Spousal Benefit Will Affect My Son's Benefit Amount?

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]?

Wednesday, January 5, 2022 - 13:21

Is It Correct That My Spousal Benefits Are Limited By The Family Maximum?

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.

Thursday, November 25, 2021 - 19:16

When I Retire Will Social Security Supplement My Wife And Son's Current Benefits Up To Half Of My Amount?

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?

Wednesday, November 17, 2021 - 09:29

Is It Correct That There Is No Family Maximum Ceiling In Our Case?

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.

Monday, October 25, 2021 - 18:32

How Does The Family Maximum Work If A Disabled Child Is Getting His Own SSDI Benefits?

How does a child disabled prior to age 22 but collecting on their own work record affect the family maximum? My son, who has autism and other related health issues was able to work for a brief time. He qualified for SSDI on his work record and is currently collecting benefits. He was considered disabled prior to age 22 and at no point earned in excess of the SGA limits. If my lower earning spouse begins collecting at age 62, and I claim child in care benefits under her record, what affect does my son’s benefit have on the family maximum?

Friday, September 17, 2021 - 11:52

Could The Combined Family Help In Our Case?

RE: COMBINED Family Maximum. My wife and I are about to start collecting Social Social Security. We are 62 ..... (we can wait if it is better to do that)......we have an adult child collecting SSD and SSI ........The adult disabled child gets SSD and SSI.....My wife's SS will be little above average (about 2,220 at full retirement age) ....mine other is very low......I have seen the family maximums on for both accounts We understand that "Family Maximum" limits us, however "Combined Family Maximum" may help us?

Sunday, August 22, 2021 - 10:25

How Much Will My And My Daughter's Benefit Amounts Be?

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,

Wednesday, August 4, 2021 - 10:37

Can You Give Me An Estimate Of Our Family Maximum Benefit And The Amount My Son And I Would Receive?

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.

Friday, June 25, 2021 - 11:09
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