The family maximum that applies on claims involving widow(er)s is always the maximum
based on the deceased NH's PIA. There is no separate maximum that corresponds with
the widow(er)'s OB if the OB is calculated under the alternate method as described
in RS 00615.302. (Windexing)
Use the following formula to determine each survivor rate:
OB x FMAX = Survivor's Rate (Not to exceed OB)
TOTOB
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The OB for the widow(er) is based on the Windexing PIA
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The other survivors' OB are based on the PIA of the DNH
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The FMAX is based on the PIA of the DNH
EXAMPLE: Two claimants are entitled on the ER of a deceased NH.
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Nora is entitled as a widow with an OB calculated under the alternate computation
as prescribed by the 1983 amendments of $310.00
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Michael, a disabled child on the same ER, has an OB of $225.00 based on a PIA of $300.00
and a FMAX of $450.00. The rates are calculated as follows:
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TOTOB = $310.00 (D's OB) + $225.00 (C's OB) x 1 = $535.00
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Nora: $310.00 x $450.00 = $260.70 (to be reduced for age if necessary)
$535.00
Michael: $225.00 x $450.00 = $189.20
$535.00