Well the problem simply-put is that the SUM(TIME) for a specific SSN on your query is a single value, so it's objecting to MAX as it makes no sense (The maximum of a single value is meaningless).
Not sure what SQL database server you're using but I suspect you want a query more like this (Written with a MSSQL background - may need some translating to the sql server you're using):
SELECT TOP 1 SSN, SUM(TIME)
FROM downloads
GROUP BY SSN
ORDER BY 2 DESC
This will give you the SSN with the highest total time and the total time for it.
Edit - If you have multiple with an equal time and want them all you would use:
SELECT
SSN, SUM(TIME)
FROM downloads
GROUP BY SSN
HAVING SUM(TIME)=(SELECT MAX(SUM(TIME)) FROM downloads GROUP BY SSN))