The family maximum does not apply to which of the following?

The family maximum is a provision in the Social Security program that limits the total amount of benefits that can be paid to a family based on one worker's earnings record. This provision applies to spouses, dependent children, and dependent parents, as these individuals typically receive benefits as a result of the main worker’s contributions. The limits are designed to ensure that the total benefits for all family members do not exceed a certain percentage of the worker's benefit amount.

Ex-spouses, however, are not subject to the family maximum rules. If an ex-spouse is eligible for benefits based on the worker's record, the amount they receive does not count towards the family maximum for the worker’s benefits. This means that the benefits for an ex-spouse can be paid in addition to whatever the family maximum may be for other eligible family members. This distinction allows ex-spouses to receive their entitled benefits without impacting or diminishing the benefits available to the current family members.

Understanding the family maximum's application is crucial, especially when advising clients on eligibility and benefits, as it helps in planning and strategizing the best options for financial support during different life phases.