Bob, DOB 4/18/24, filed a claim for DIB on 7/20/83. Their onset was established as
10/3/81. Their waiting period can begin no earlier than 17 months prior to their date
claim filed. Their waiting period begins on 2/1/82 and this is their assumed age 62.
Their freeze period begins on 10/3/81 and ends on 2/1/85, the month they are assumed
to attain age 65. For the freeze computation, their elapsed years are 51-80 and their
computation years are 25 (30 minus 5). The base years are 1951-1981 and no years are
excluded. The benchmark year is 1981.
Bob has earnings in 1982. This year is excluded in the freeze computation. They are
insured as of 2/1/82, the first month of the waiting period. A non-freeze computation
may be used to include 1982 earnings and increase the PIA effective 1/83 (DIB recomputation).
The benchmark year is 1982. The elapsed years are 51-81 and the computation years
are 26 (31 minus 5). The base years are 1951-1982.
In 4/89, at age 65, the DIB is converted to a RIB using the same DIB PIA. However
a trial RIB computation must be made to determine if a higher PIA is possible. The
RIB freeze computation would have a 1981 benchmark year based on the DIB onset. However,
earnings from 1982 through 1988 are excluded. A RIB non-freeze PIA is based on a 1986
benchmark year (actual age 62). If this PIA exceeds the DIB guarantee PIA, it will
be used effective 4/89.