# 20 C.F.R. § 404.404 (2026): How reduction for maximum affects insured individual and other persons entitled on his earnings record

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/CFR_T20_P404_S404_404

## Section

- **Citation:** 20 C.F.R. § 404.404 (2026)
- **Heading:** How reduction for maximum affects insured individual and other persons entitled on his earnings record
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Title 20 CFR: Employees' Benefits / Chapter III: SOCIAL SECURITY ADMINISTRATION / Part 404: FEDERAL OLD-AGE, SURVIVORS AND DISABILITY INSURANCE (1950-  ) / Subpart E: Deductions › Reductions › and Nonpayments of Benefits / § 404.404: § 404.404   How reduction for maximum affects insured individual and other persons entitled on his earnings record.

## Text

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).

## Nearby sections

- [20 C.F.R. § 404.401 (2026) § 404.401   Deduction, reduction, and nonpayment of monthly benefits or lump-sum death payments.](https://www.frixlaw.com/law-library/statutes/CFR_T20_P404_S404_401.md)
- [20 C.F.R. § 404.401a (2026) § 404.401a   When we do not pay benefits because of a disability beneficiary's work activity.](https://www.frixlaw.com/law-library/statutes/CFR_T20_P404_S404_401a.md)
- [20 C.F.R. § 404.402 (2026) § 404.402   Interrelationship of deductions, reductions, adjustments, and nonpayment of benefits.](https://www.frixlaw.com/law-library/statutes/CFR_T20_P404_S404_402.md)
- [20 C.F.R. § 404.403 (2026) § 404.403   Reduction where total monthly benefits exceed maximum family benefits payable.](https://www.frixlaw.com/law-library/statutes/CFR_T20_P404_S404_403.md)
- [20 C.F.R. § 404.404 (2026) § 404.404   How reduction for maximum affects insured individual and other persons entitled on his earnings record.](https://www.frixlaw.com/law-library/statutes/CFR_T20_P404_S404_404.md)
- [20 C.F.R. § 404.405 (2026) § 404.405   Situations where total benefits can exceed maximum because of “savings clause.”](https://www.frixlaw.com/law-library/statutes/CFR_T20_P404_S404_405.md)
- [20 C.F.R. § 404.406 (2026) § 404.406   Reduction for maximum because of retroactive effect of application for monthly benefits.](https://www.frixlaw.com/law-library/statutes/CFR_T20_P404_S404_406.md)
- [20 C.F.R. § 404.407 (2026) § 404.407   Reduction because of entitlement to other benefits.](https://www.frixlaw.com/law-library/statutes/CFR_T20_P404_S404_407.md)
- [20 C.F.R. § 404.408 (2026) § 404.408   Reduction of benefits based on disability on account of receipt of certain other disability benefits provided under Federal, State, or local laws or plans.](https://www.frixlaw.com/law-library/statutes/CFR_T20_P404_S404_408.md)
- [20 C.F.R. § 404.408a (2026) § 404.408a   Reduction where spouse is receiving a Government pension.](https://www.frixlaw.com/law-library/statutes/CFR_T20_P404_S404_408a.md)
- [20 C.F.R. § 404.408b (2026) § 404.408b   Reduction of retroactive monthly social security benefits where supplemental security income (SSI) payments were received for the same period.](https://www.frixlaw.com/law-library/statutes/CFR_T20_P404_S404_408b.md)
- [20 C.F.R. § 404.409 (2026) § 404.409   What is full retirement age?](https://www.frixlaw.com/law-library/statutes/CFR_T20_P404_S404_409.md)
- [20 C.F.R. § 404.410 (2026) § 404.410   How does SSA reduce my benefits when my entitlement begins before full retirement age?](https://www.frixlaw.com/law-library/statutes/CFR_T20_P404_S404_410.md)
- [20 C.F.R. § 404.411 (2026) § 404.411   How are benefits reduced for age when a person is entitled to two or more benefits?](https://www.frixlaw.com/law-library/statutes/CFR_T20_P404_S404_411.md)

---

Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/CFR_T20_P404_S404_404. Check the current official text before relying on it. Not legal advice.