Social Security Family Maximum Benefit Calculator
Calculate maximum benefits for worker, spouse, and children.
Family Maximum Benefit (FMB)
Worker PIA:$ 2000
Calculated FMB:$ 3701
Effective FMB:$ 3701
FMB %:185.1% of PIA
Max Cap:188% of PIA
FMB formula: 150% of first $1,174, 272% up to $1,778, 134% up to $2,372, 175% above. Capped at 188%.
Individual Benefits
Worker:$ 2000
Spouse (50%):$ 1000
Each Child (50%):$ 1000
Living: Spouse/Child get 50% of PIA. Survivor: Spouse 100%, Child 75% of PIA.
Total Family Benefits vs FMB
Total Claimed:$ 3000
FMB Limit:$ 3701
Actual Paid:$ 3000
If total benefits exceed FMB, each beneficiary's benefit is reduced proportionally.
FMB Reduction
Total Reduction:$ 0
Per Beneficiary:$ 0
Reductions apply proportionally when total exceeds FMB. Worker's benefit is NOT reduced - only auxiliary benefits.
Family Maximum Benefit Key Points
- FMB limits total benefits on one worker's record
- Ranges from 150% to 188% of PIA
- Affects spouse and children benefits, not worker
- Spouse (living): 50% of worker's PIA
- Child (living): 50% of PIA, under 18 or disabled
- Survivor spouse: 100% of PIA at FRA
- Survivor child: 75% of PIA
- Excess benefits reduced proportionally
- Worker's own benefit never reduced by FMB
- Maximum 4-5 family members can receive benefits