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her husband's benefit. Total benefits to the family will not be less than $10 a month. There are top limits also, but they apply only to families that receive more than $20 a month. Altogether such a family cannot receive more than twice the worker's benefit, or 80 percent of this average monthly pay, or $85, whichever is the least.
To any person who is entitled to more than one benefit, the larger amount will be paid. For instance: A woman who works on a covered job and has a social security account of her own, may, of course, qualify for benefits at age 65 on her own account. If she is a wife or a widow entitled to benefits also on her husband's account, she cannot get both benefits; but she will get the larger amount.
Example—payments to family when the worker receives old-age insurance benefits: If you are a married man and qualify for old-age insurance benefits at age 65, your wife will receive, if or when she is 65, a monthly payment equal to one-half of yours. If your primary benefit is $30 a month, she will receive $15 a month, making $45 for the two of you as long as you both live and remain married. 
If, however, your wife has worked for pay and has earned benefits of her own, amounting, say, to $25 a month, she will receive her $25, instead of the $15.
If you have dependent children, and if our primary benefit is $30, each child receives one-half that amount, or $15 a month, until he is 1 years old (or 18 if he is still in school), except that there is a limit on the total amount your family may receive. (See page 10 for explanation.)
Example—payments to family after the worker's death, whether before or after 65: Suppose you should die leaving a widow and two children under 18 years of age. Your benefit rate at the time of your death would be calculated on your average monthly pay, counting from January 1, 1937, up to the beginning of the quarter in which death occurred—say 10 years later, in March 1947. If your monthly benefit payment—your "primary insurance benefit"— came to $27.50