What year is used to determine the combined family max?
I retired a few years ago and was receiving the family max due to my disabled daughter and my wife's in child care benefit.
My wife filed at 62 this year to implement the combined family limit for a higher benefit.
SSA used the year I retired to determine the limit for the combined family max not 2017, the year the 2 maximums are first being combined.
I reviewed the ssa section https://secure.ssa.gov/poms.nsf/lnx/0300615770.
Family Benefit Maximum
I have been receiving social security since retiring at 65 & 9 moths in 20144(full retire was 66). My disabled adult child who was on SSI since 18 started getting SSDI when I retired. My wife who is now 62 was getting in child care. We were subject to the family max. My full PIA is 2480 with the reduced amt of 2280. My wife and daughter each got $934 for a family total of $4148. We also have a grandchild who we have custody of & care for in our household. Her mom is the disabled adult child and the father is unknown.
Hi Larry, My husband of 18 years filed for SS retirement benefits a few weeks before he was 67,his benefits before Medicare deductions are 2085. He has an ex-spouse, she never worked or never remarried, they were married over 10 years,also they had a child that was disabled before she was 22, she is now 46, still disabled and never married. My history is I became disabled at 34,I had worked, so I received SS disability, at age 66,one month before my husband applied for SS retirement,my SS disability was changed to SS retirement, my SS is $765 before Medicare deductions.
My husband is retired, receiving SS benefits of $2649.
Our disabled child receives $ 993
I receive Child in Care benefits $993.
I will be 66 in April 2018. My PIA is $818 and my Family Maximum is $1227. My husband's Family Maximum is $4618. The Combined Family Maximum right now is $5268.
In April 2018, I want to file for my own and spousal benefits. I believe that the new benefits we will receive after April 2018 are;
disabled son $1324 (50% of father's PIA)
me $818 (my own earned benefits) PLUS
My husband has now been approved for SSDI. I heard that the family maximum is at most, 150% of his PIA. At the SSA.GOV website it shows this excerpt:
"Maximum Family Amount
Each family member may be eligible for a monthly benefit of up to 50 percent of your disability rate. However, there is a limit to the amount we can pay your family.
I am 49 yrs old and was approved for $1849/mth for SSDI effective May, 2016. My stepson (27) gets $945/mth for SSDI on his own record. He earns about $20k/yr from work which is over the SGA limit but is able to continue to receive his SSDI because his job is a heavily subsidized job where SSA determined that he does not earn or perform SGA. He has been disabled (physically & mentally ) since birth.
Can you tell me how much my family max. benefit or combined family max. benefit is?
Will you explain Combined Family Maximums (different than the Family Maximum), as it would apply to a husband receiving retirement benefits, a disabled adult child receiving benefits on the husband's record, and a wife who is receiving child in care benefits and who will soon be eligible on her own work record also. Her PIA is much less than 50% of her husband's PIA.
My husband retired at age 66 in October 2016. He receives $2649 in SS benefits. Our adult disabled son also receives benefits on my husband's record and I am receiving Child In Care benefits. My son and I are both entitled to 50% of my husband's amount ($1324) but since the Family Maximum applies, we each receive $993.
I plan to take early retirement @ 62 years of age. My PIA is currently calculated to be 2,000/month at that point. The Family Max looks like it calculates out to 3,500/month. At that point my wife will be 40 and our healthy child will be 8.
If I ask for benefits for both my wife and child, I believe that the extra 1,500 of monthly Fam Benefit would be split between them, leaving each with 750/month.
However, my wife will be earning over 40K yearly and should have her entire benefit wiped out by the Earnings Test.
My daughter and I receive SS benefits based on my husbands record. He is currently collecting retirement benefits. I am 53 and my daughter is 11 and we have been receiving benefits for 14 months. I know we each receive a reduce amount because we exceeded the family maximum, but it was still considerably more than her benefit alone would have been, even taking in to consideration my SS is taxed and hers is not. When my benefits end as she turns 16, will her benefit increase at that time?