SSA logo: link to Social Security Online home735. What happens if a child is entitled to benefits on more than one earnings record at the same time?

In some cases, a child may be entitled to child's insurance benefits on more than one earnings record. In this case, the child receives benefits on only one earnings record. Usually benefits are received on the earnings record with the higher PIA. However, the child may be paid on the earnings record with the lower PIA, provided the following conditions are met:

  1. The benefit on that earnings record, before reduction for the family maximum (see §731), is higher; and

  2. No other beneficiaries, who are entitled on any earnings record involved, would receive a lower benefit than he or she would otherwise be paid.