Bozsa Family Social Security Calculations (Mar 2025)

Family Maximum
(a) 150 percent of the first $1567 of the worker's PIA*, plus
(b) 272 percent of the worker's PIA over $1567 through $2262, plus
(c) 134 percent of the worker's PIA over $2262 through $2950, plus
(d) 175 percent of the worker's PIA over $2950.
Total (family max):$6524
 
Bob (current PIA):$3728
Bob (after tax and working):$2908
Brayden (1/2 Bob):$1864
Bob + Brayden (total after tax):$4772
 
Bob (after tax and not working):$3094
Bray+Hemmer (Hemmer not working):$2796
Bob+Hemmer+Bray (total after tax):$5890

If Bob dies (not anytime soon!)
Hemmer: 75% of 3728 = $2796
Brayden: 75% pf 3728 = $2796
Total: $5592

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NOTES
* PIA: Primary Insurance Amount (Bob's total social security benefit before taxes)
* If working, Bob is in a higher tax bracket which affects the take home amount (calcuated as 22%)
* Brayden gets 1/2 Bob's PIA until he is 18.
* Brayden does not pay tax since his total is below the threshold. He does not even need to file.
* Hemmer, if not working, would also get 1/2 of Bob's PIA until Brayden is 16. However the family max would limit this amount.
* If Hemmer is not working the total received (before tax) would be the family max.
* Hemmer also does not need to pay tax if she is not working since total is below threshold. Not sure if she needs to file.
* My Social Security site: https://secure.login.gov/ (login stored in browser, use laptop PIN and Authenticator app on iphone)
* Helpful links and contact information:
https://www.ssa.gov/survivor
1. Visit www.ssa.gov for fast, simple and secure online service.
2. Call us at 1-800-772-1213, weekdays from 8:00 am to 7:00 pm. 
3. You may also call your local office at 1-888-472-2402.
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