Hello DC-- You are correct, the maximum allowed to bring in is indeed USD 10,000 - please note that you are allowed to carry more, only you must declare any amount in excess of USD10,000 or you will be subject to fines/potential confiscation/etc. if you fail to do so and are caught.
I understand that this 10,000 limit is per person... although when you travel as a family the same limit will apply. However, if you wish to bring in more and can solve this with the 20K maximum, I suggest you and your spouse each fill in customs forms separatetly and just line up in separate cues... this will give you both the 10K limit.