Social Security Family Maximum for disability benefits

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.

  1. If the 85% of the AIME is less than the PIA, the family maximum will be the PIA.
  2. If 85% of the AIME is greater than the PIA, the family maximum is capped at 150% of the PIA.

Photo by Lee Cannon

  • Ronald Butler

    I’m on Social Security Disability and can’t make ends meet, what happened to our yearly rise, because I don’t have anything else to sell. How are we to make it ? Had three strokes and about to have a another one if I don’t find more money, at least if I die no more worring about how I going to live, Ron.

    • http://planet10tech.com/ TomaszStasiuk

      Hi Ron. Thanks for reading and taking the time to comment. Unfortunately, there is not COLA increase in 2011: http://www.ssa.gov/pressoffice/colafacts.htm

      • Latara Thomas

        Hello. I am receiving SSD pn my own record and my husband is receiving SSD on his own record. I have read that each child (we have 2) are supposed to receive 1 half of each earners SSD amount. I also heard that the family benefits are combined because both of us are disabled. Is this true?

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  • Anthonypinnock4

    tony ia am disable i have 2 douther well she receive a paymaent tho

    • http://planet10tech.com/ TomaszStasiuk

      Social Security pays auxiliary benefits to spouses and children of individual’s on Social Security Disability Insurance (not SSI). More information is available here: http://www.socialsecurityinsider.com/2010/01/what-are-social-security-auxiliary-benefits/

  • Rcardona2006

    What happens if one of the child turn 18 and stop receiving benefits does the other child get more

    • http://planet10tech.com/ TomaszStasiuk

      Take a look at http://www.socialsecurityinsider.com/2011/05/my-child-is-graduating-high-school-will-my-other-childrens-social-security-benefits-change/

  • Velvetsoftlips

    My fiance just qualified for his disability after a five year fight and now he wants to move to Colorado.  What do we need to do and where do I find the type of help needed to get this accomplished where his disability payments and other financial aid needs are concerned?  What is available for him?

    • http://stasiukfirm.com/ TomaszStasiuk

      Does this help? http://www.ehow.com/how-does_4886731_another-state-social-security-disability.html

  • Jaraso Email

    I get 1,450 a month SSD, My g/f gets 705 a month and her daughter gets 705 a month. Of we get married,,,what will happen to our benefits

    • http://stasiukfirm.com/ TomaszStasiuk

      A similar question just came up in the comments here: http://www.socialsecurityinsider.com/2009/01/children-can-get-social-security-benefits-because-of-disabled-parent/

  • Lindajgaines

    Can my husband , who is disable, receive part of my Social Security Disablity, as I have been disable and receiving benefits? If I read this correctly, on this site, this is allowed. He tried to file for SSD and because he had not paid  in to social security , he was not deemed enough points to recieve his SSD. They never told him he could receive part of my earnings. Please help!

    • http://stasiukfirm.com/ TomaszStasiuk

      A spouse of a disabled person can receive auxiliary benefits if s/he is providing care for a child under 16. http://www.socialsecurityinsider.com/2009/12/social-security-parents-benefits/ 

      A spouse can also receive benefits based on the other spouse’s contribution to Social Security (even with no kids under 16). However the regulations are rather stringent: http://www.socialsecurityinsider.com/2009/02/disabled-husband-or-wife-you-may-be-entitled-to-social-security-benefits/

  • Fay

    If we don’t need to utlitize the children’s auxiliary benefits (they are not disabled) for their daily living requirements, can we place all of it into a savings account (say for college)- or do we actually have to spend some of it on them, even if we don’t need it?

  • cap927

    My husband just began receiving SSD. He has 3 sons. I always read the kids get up to 50% of his benefits each upto 85% However they each get less than $40 a month. Is this right, can SS be calcutating it wrong?

  • Thomas

    I’ve been disabled for ten years. When my daughter was born she began
    receiving auxiliary benefits. Just recently my wife became disabled. Her
    advocates informed us at the time of her filing that our daughter would
    be entitled to auxiliary benefits from both parents. I inquired with
    Social Security into whether this was accurate and received a
    noncommittal non-answer. What little I’ve read on the subject states
    different and says that eventually an overage will occur and Social
    Security will ask for repayment. We live check to check as it is and can’t afford
    to repay any funds. I just want to know if she’s, my daughter,
    entitled to auxiliary benefits from both parents, myself and my wife, because it’s under the family cap limit or is the payments we are receiving an error that will lead to an overpayment.

  • Dyan

    My X husband is on SSDI our children 5 and 7 are entitled to Auxiliary benefits, which parent gets the payment for the children? The custodial parent or the disabled Parent?

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