The maximum family benefit is the maximum monthly amount that can be paid on a worker’s earnings record. The following, however, is devoted to the more common family maximum for retirement and survivor benefits.

Special formula for computing the maximum benefits payable to the family of a disabled worker. Benefits are payable to spouses and children of disabled workers, but such benefits are limited. The family maximum for a family of a disabled worker is 85 percent of the worker’s Average Indexed Monthly Earnings (AIME). However, it cannot be less than the worker’s PIA nor more than 150 percent of the PIA. [www.ssa.gov/oact/COLA/dibfamilymax.html]

**Steps for computing the Family Maximum Benefit**

Step 1. Segregate the Primary Insurance Amount from the bend point table.

Step 2. Compute the family maximum.

Computation of Family Maximum Benefit [www.ssa.gov/oact/COLA/familymax.html]

(4) | From | To | PIA | Fam Max | |

150% | 1 | 1,184 | 1,184 | 1,776 | |

272% | 1,185 | 1,708 | 524 | 1,425 | |

134% | 1,709 | 2,228 | 520 | 697 | |

175% | 2,229 | 633 | 1,108 | ||

Total | 2,861 | 5,006 | |||

Fam Max / PIA Percentage | 175% |

(4) Benefit Formula Bend Points: [www.ssa.gov/oact/COLA/bendpoints.html]

(5) Formula for Family Maximum Benefit [www.ssa.gov/oact/COLA/familymax.html]