The total monthly SSDI (Title II) benefit that you and your family may receive -- your Family Maximum -- is based on your Primary Insurance Amount (PIA). Your Family Maximum is established by SSA using a percentage of your PIA (approximately 150% of your PIA). The Family Maximum limits the amount payable on your Social Security earnings record each month.
The number of dependents eligible to receive benefits on your record affects the benefit amount that each dependent receives -- since in most cases they all must share the additional 50% of your PIA. The more eligible dependents, therefore, the lower the benefit amount for each. Your own benefit amount is not affected by the number of dependents entitled to benefits on your record.
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