TN 10 (03-04)

# GN 01701.210 Family Maximums – Only Totalization Benefits Involved

## A. Policy

The family maximum for a Totalization benefit is always based on the pro rata primary insurance amount (PIA).

## B. Procedure – retirement or survivor claims

The following explains how to determine Totalization family maximums in retirement or survivor claims.

### 1. Eligibility Before 1979 and Pro Rata PIA is Below Table Minimum

• Multiply pro rata PIA by 1.5 (150%)

• Round to an even multiple of 10 cents

• Round up if effective date is prior to 6/82

• Round down if effective date is after 5/82

### 2. All Other Cases

Follow the rules in RS 00615.730RS 00615.801. Assume that references to “PIA” mean “pro rata PIA.”

## C. Procedure – disability claims

### 1. General

If a disability family maximum is applicable (see RS 00615.740), establish the maximum as the lesser of:

• 150% of the raw pro rata PIA, or

• 85% of an artificial average indexed monthly earnings (AIME) that would produce a PIA equal to the raw pro rata PIA.

Exception: If the amount established above is less than the pro rata PIA, the disability family maximum will be the pro rata PIA.

Apply cost-of-living adjustments (COLAs) to disability family maximums unless a recomputation is involved. If a recomputation is involved, determine the new raw family maximum and apply COLAs to the new raw family maximum.

### 2. Determining the artificial AIME

Use the following formulas to determine the artificial AIME based on the pro rata PIA where:

F = the first PIA bend point for the eligibility year

S = the second PIA bend point for the eligibility year

P = the raw pro rata PIA

 IF THE RAW PRO RATA PIA IS THEN THE FORMULA IS Less than or equal to 90% of the first bend point 10 X P     9 Greater than 90% of the first bend point, but less than 58% of the first bend point plus 32% of the second bend point (100 X P) – (58 X F)               32 Equal to or greater than 58% of the first bend point plus 32% of the second bend point (100 X P) – (58 X F) – (17 X S)                       15

### 3. Rounding

If the first eligibility year is:

• before 1983, round artificial AIME down to the next dollar if it is not already a multiple of \$1.

• after 1982, round artificial AIME up to the next dollar if it is not already a multiple of \$1.

 To Link to this section - Use this URL: http://policy.ssa.gov/poms.nsf/lnx/0201701210 GN 01701.210 - Family Maximums – Only Totalization Benefits Involved - 03/23/2004 Batch run: 02/20/2014 Rev:03/23/2004