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*SS website says "$1948 for your child", "$1948 for spouse caring for child".

"Total Family Benefits can't be more than $4545 per month."

Based on all of that, can you give me your estimate/guess on what the total monthly benefit would be?


Seems like pretty straightforward math to me.

2 kids - $1948 each
spouse $1948.

That totals $5844, which is more than the family limit of $4545. So the family would get $4545 - with 1/3 of that going to each of your 3 survivors. (Which make a bit of a difference for income tax purposes, as only your spouse's benefit would be taxable based on the other income you have mentioned earlier. The kid's benefits will be tax free, unless they also have some other income.)

--Peter
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