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?
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.
The family maximum benefit (FMB) refers to the limit on the total amount of benefits that can be paid from one individual's record. In other words, if several family members are eligible for benefits on one person's record, then their benefit rates can be limited based on the FMB limit payable on that worker's record.