A four-point seat belt system for restraining a vehicle occupant in a vehicle seat. Two shoulder belts mounted on separate spool members are connected to a common retractor mechanism, which synchronizes web payout and retraction and also shares a load limiting function. The shoulder belts are connected to a lap belt, which is buckled centrally on the abdomen of the occupant. A load limiting system controls occupant motion and reduces force levels on the occupant's chest. A single load limiting method can be used to accommodate all occupants of the vehicle with specific force versus belt payout properties.