Social Security pays benefits to spouses and children of disabled parents. The requirements for spouses and children are discussed the linked article.
However, as many parents discover, there is a cap on auxiliary benefits. Taken directly from Social Security:
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.
Note: rather than trying to figure out the AIME or the PIA, it is much easier to contact your local your local Social Security office and simply ask for these two figures. A bit of quick math will provide you the family maximum.
- If the 85% of the AIME is less than the PIA, the family maximum will be the PIA.
- If 85% of the AIME is greater than the PIA, the family maximum is capped at 150% of the PIA.
Photo by Lee Cannon