The worker died in July 1999 currently insured but not fully insured. However, when
his coverage under the German system is counted, he is fully insured. He is survived
by a 16-year-old child and a 67-year-old widow. The non-Totalization PIA is $255.80
and the Totalization PIA is $197.10. The child, who can be paid on the basis of currently
insured status, would normally be entitled to a benefit of $191.80. The widow, who
can only be paid on the basis of fully insured status, would normally be entitled
to a benefit of $197.10.
The non-Totalization maximum is $383.70. Since the two benefits combined exceed the
non-Totalization maximum, they must be reduced.
In this case, the total benefits without regard to a maximum are $388.90 ($191.80
+ $197.10). Of that total, the widow is eligible for 50.7% (197.10 ÷ 388.90 = 50.7)
and the child is eligible for 49.3% (191.80 ÷ 388.90 = 49.3). Therefore, the widow
is entitled to 50.7% of $383.70 or $194.50 and the child is entitled to 49.3% of $383.70