Is There a Cap on Social Security Benefits for Married Couples? There is a maximum family benefit, however — a cap on the total amount a family can collect from Social Security on an individual worker’s earnings record (including spousal, children’s and survivor benefits) The maximum amount is between 150 percent and 188 percent of the worker’s monthly benefit payment at full retirement age
Should I Get Medicare If My Spouse Has Insurance? - AARP One option if your spouse enrolls in Medicare is to continue the employer’s coverage through COBRA, which can last up to 36 months Other options are to buy a private plan through the Affordable Care Act federal insurance marketplace or through a state that has its own exchange