Full question: I am 63 and drawing child-in- care benefits from my husband’s record. Because our 31 year old disabled daughter and I both draw from husbands record, the amounts are limited to the family maximum. If I earn over the earnings limit in 2025, and my benefits are cut, will our daughter’s benefits be increased?

Hi there,

If your spousal benefit is reduced due to exceeding the earnings limit, it does not automatically mean that your daughter’s benefits will increase. The family maximum benefit (FMB) is a limit on the total amount that can be paid based on a worker’s earnings record. If one family member’s benefits are reduced or stopped due to the earnings test, it is important to contact the SSA to let them know. Other family members receiving benefits on the same record may possibly receive an increase depending on the actual amounts.

I hope this clarifies your concern. For personalized support, you can work with an RSSA here.

All the best,
Martha

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