The family maximum benefit is a feature of the Social Security Disability Insurance (SSDI) program that limits the amount of disability benefits that a family can receive based on the earnings record of a single wage earner. The purpose of the family maximum benefit is to ensure that disability benefits are distributed fairly among family members, rather than disproportionately benefiting a single family member.

Under the SSDI program, an individual who is disabled and unable to work may be eligible for disability benefits based on their own work record, provided they have earned sufficient work credits. In addition to receiving disability benefits based on their own work record, an individual may also be able to receive auxiliary benefits on the work record of a family member, such as a spouse or parent.

The family maximum benefit is calculated based on the primary insurance amount (PIA) of the individual receiving disability benefits based on their own work record, also known as the disabled worker. The PIA is the amount of disability benefits that an individual is entitled to receive based on their work history and earnings.

The family maximum benefit is equal to 150% of the disabled worker's PIA, minus the disabled worker's PIA. For example, if the disabled worker's PIA is $1,000 per month, the family maximum benefit would be $1,500 per month ($1,000 x 150% - $1,000).

If the disabled worker is receiving disability benefits based on their own work record, and one or more family members are also receiving auxiliary benefits on the disabled worker's record, the total amount of benefits received by the family cannot exceed the family maximum benefit. For example, if the disabled worker's PIA is $1,000 per month and the family maximum benefit is $1,500 per month, and the disabled worker's spouse is receiving auxiliary benefits in the amount of $500 per month, the disabled worker would only be able to receive $500 per month in disability benefits based on their own work record ($1,500 - $500).

It is important to note that the family maximum benefit does not apply to disability benefits received by the disabled worker's children. Children may be eligible to receive disability benefits based on the work record of a disabled parent, regardless of the family maximum benefit.

In addition to the family maximum benefit, there is also a limit on the total amount of disability benefits that an individual can receive from the SSDI program. This limit, known as the maximum benefit amount, is subject to change each year and is based on the average national wage index.

If you are receiving disability benefits or are considering applying for disability benefits, it is a good idea to understand how the family maximum benefit and the maximum benefit amount may affect your eligibility and the amount of benefits you are entitled to receive. It is also a good idea to speak with a representative from the Social Security Administration (SSA) or a qualified attorney for more information about the SSDI program and how it may apply to your specific situation.