Automatic Increases
Primary Insurance Amount
Wageindexed amounts

The maximum family benefit is the maximum monthly
amount that can be paid on a worker's earnings record.
There is a special formula for computing the maximum benefits payable to the
family of a disabled worker. The following,
however, is devoted to the more common family maximum for retirement and
survivor benefits.
Computation of the Retirement and Survivor Family Maximum
The formula used to compute the family maximum is
similar to that used to compute the Primary
Insurance Amount (PIA). The formula sums four separate percentages
of portions of the worker's PIA. For 2008 these
portions are the first $909, the amount between
$909 and $1,312, the amount
between $1,312 and $1,711, and
the amount over $1,711. These dollar amounts are the
"bend points" of the familymaximum formula.
Thus, the familymaximum bend points for 2008 are
$909, $1,312, and
$1,711. See table
showing bend points for years beginning with 1979 (table also shows
PIA formula bend points).
 For the family of a worker who becomes age 62 or dies
in 2008 before attaining age 62, the total amount of benefits payable
will be computed so that it does not exceed:
 (a) 150 percent of the first $909 of the
worker's PIA, plus
 (b) 272 percent of the worker's PIA over $909
through $1,312, plus
 (c) 134 percent of the worker's PIA over $1,312
through $1,711, plus
 (d) 175 percent of the worker's PIA over $1,711.
We then round this total amount to the next lower multiple of $.10 if it is
not already a multiple of $.10.
Determination of familymaximum bend points for 2008
Amounts in formula 

Bend points for 1979
First:  $230 
Second:  $332 
Third:  $433 

Computation
of bend points for 2008 
First bend point $230 times
$38,651.41 divided by $9,779.44 equals $909.03,
which rounds to $909. 
Second bend point $332 times
$38,651.41 divided by $9,779.44 equals $1,312.17,
which rounds to $1,312. 
Third bend point $433 times
$38,651.41 divided by $9,779.44 equals $1,711.35,
which rounds to $1,711. 
