20 CFR § 404.404 - How reduction for maximum affects insured individual and other persons entitled on his earnings record.
---
identifier: "/us/cfr/t20/s404.404"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "20 CFR § 404.404 - How reduction for maximum affects insured individual and other persons entitled on his earnings record."
title_number: 20
title_name: "Employees' Benefits"
section_number: "404.404"
section_name: "How reduction for maximum affects insured individual and other persons entitled on his earnings record."
chapter_name: "SOCIAL SECURITY ADMINISTRATION"
part_number: "404"
part_name: "FEDERAL OLD-AGE, SURVIVORS AND DISABILITY INSURANCE (1950- )"
positive_law: false
currency: "2026-03-24"
last_updated: "2026-03-24"
format_version: "1.1.0"
generator: "[email protected]"
cfr_part: "404"
---
# 404.404 How reduction for maximum affects insured individual and other persons entitled on his earnings record.
If a reduction of monthly benefits is required under the provisions of § 404.403, the monthly benefit amount of each of the persons entitled to a monthly benefits on the same earnings record (with the exception of the individual entitled to old-age or disability insurance benefits) is proportionately reduced so that the total benefits that can be paid in 1 month (including an amount equal to the primary insurance amount of the old-age or disability insurance beneficiary, when applicable) does not exceed the maximum family benefit (except as provided in § 404.405 where various savings clause provisions are described).