In calculating a formula for deductibles, how would I express the following

There is a $2,400 deductible for each spouse;
if Bob has a claim of over $2,400, then return the amount above 2.4k; if
Bobs claim is 2.4k or lower, then return zero
the same applies to Bernice (only if she also has a claim over 2.4k, then
subtract the deductible); if only one has a claim over 2.4k, then only his
claim less 2.4k is recorded; the others claim of less than 2.4k is zero; if
both have claims above 2.4k, then add their amounts and deduct 4.8k; the
total after all subtractions cannot be below zero
thank you

--
MZ