Retirement Insurance Benefit (RIB)
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The RIB is equal to the PIA reduced by the number of months of entitlement to RIB
before full retirement age (FRA). See RS 00615 .101.
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RIB after reduced DIB
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Reduce RIB by number of months remaining until FRA plus the number of months reduced
DIB was paid
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RIB after unreduced DIB (HA then A)
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The DIB amount converts to a RIB at FRA with no reduction. If the DIB ends before
FRA, the RIB is reduced by the number of months remaining before FRA.
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Simultaneous Entitlement to DIB and RIB (HA & A)
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Reduce the RIB based on number of months before FRA. The DIB is unreduced. Pay the
larger of the two benefits unless payment of the smaller benefit is elected.
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Simultaneous Entitlement to WIB and RIB (D & A)
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Determine each benefit independent of the other. (RS 00615.150)
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RIB After Reduced WIB (D then A) with date of birth of 1/2/1928 or later
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Reduce the RIB in the usual manner without regard to the WIB (see RS 00615.430).
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RIB After Reduced WIB (D then A) with date of birth before 1/2/1928
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If there was prior entitlement to a reduced WIB in any month before the month of attainment
of age 62 reduce the RIB per RS 00615.160 and RS 00615.170.
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Reduced RIB After Reduced WIB (Intervening or simultaneous with DIB) (D then HA then
A, or D/HA then A) with date of birth of 1/2/1928 or later
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Reduce the RIB, See RS 00615.101, RS 00615.003, in the usual manner without regard to the WIB or DIB.
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Reduced RIB After Reduced WIB (Intervening or simultaneous with DIB) (D then HA then
A, or D/HA then A) with date of birth 1/2/1928
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If there was prior entitlement to a reduced WIB in any month before the month of attainment
of age 62 reduce the RIB following the instructions in RS 00615.160, RS 00615.170 and RS 00615.020.
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Reduced RIB after reduced spouse (B then A)
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RIB and Spouse are computed separately. RIB plus excess paid. See RS 00615.020 and RS 00615.003.
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RIB After Entitlement to any benefit other than reduced RIB, reduced spouse, reduced
WIB or reduced DIB.
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Reduce the RIB PIA in the usual manner without regard to the auxiliary benefit.
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Disability Insurance Benefit (DIB)
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DIB is not reduced unless there was prior entitlement to reduced RIB (or WIB prior
to 1/90).
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DIB After reduced RIB (A then HA)
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Reduce the DIB PIA by the amount the RIB would be reduced if the NH attained FRA in
the first MOET to DIB.
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DIB After Entitlement to Reduced WIB (D then HA) (DIB MOET age 62 or later)
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After 12/89 no carryover reduction applies to the DIB. Prior to 1/90 reduce the DIB
by the amount that the WIB would be reduced if retirement age were age 62. (RS 00615.420.)
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DIB After Entitlement to Reduced WIB (D then HA) (DIB MOET prior to age 62)
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After 12/89 no carryover reduction applies to the DIB. Prior to 1/90 reduce the DIB
by the money amount the WIB would be reduced if the reduction applied only for months
of WIB entitlement before the first MOET to DIB.
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DIB After RIB Entitlement, Both After Reduced WIB (D then A then HA)
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Reduce the DIB by the amount the RIB would be reduced if the NH attained FRA in the
first MOET to DIB. See RS 00615.110.
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Aged Spouse (B, B1, B6, BR)
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Reduce the spouse's benefit (adjusted for the maximum if necessary) by the number
of months of entitlement before FRA. A spouse's benefit is not reduced for any month
in which the spouse or divorced spouse has an entitled child in care. If the entitled
child was in care in the MOET, a divorced spouse's benefit remains unreduced after
the child's benefit terminates. (RS 00615.201A.2.)
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RIB and Unreduced Spouse's Benefits (A, B2 or BY)
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The spouse's benefit is unreduced for any month they have a child in care; however,
if they are also entitled to a reduced RIB, the amount payable is the difference between
the unreduced spouse's benefit and the reduced RIB. When entitlement to B2 or BY benefits
is established in the first month of entitlement to reduced RIB, the claimant may
later elect when they wish B (B1) benefits to begin. (The B (B1) benefits need not
immediately follow B2 (BY) entitlement.) The reduction factor if any, which will apply
to the B (B1) benefit will be governed by the age in the first MOET as an aged spouse.
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Reduced Spouse's Benefit Simultaneously With or after RIB (A/B or A then B)—See above
if spouse has a child in care.
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Reduce the excess spouse's benefit (the difference between the spouse's own PIA and
the unreduced spouse's benefit) by the number of months of entitlement to the spouse's
benefit, if any, before FRA. See RS 00615.020, RS 00615.003, and RS 00615.201.
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Reduced Spouse's and reduced DIB (HA/B) See above if spouse has a child in care
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Reduce the spouse's benefit by (1) the reduction amount applicable to the DIB plus
(2) the amount the excess spouse's benefit would be reduced if it were the only benefit
to which the spouse is entitled.
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Widow(er)'s Insurance Benefit (WIB)
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Beginning January 1973, reduce the WIB (adjusted for the maximum, if necessary) by
the number of months of entitlement, if any, prior to the attainment of age 65 by
19/40 of 1 percent for months from age 60-65 and 43 /240 of 1 percent for months from
age 50-60. For benefits payable after 12/83, there is no additional reduction for
months prior to age 60. If the DNH was previously entitled to a reduced RIB or reduced
DIB, the WIB may be further reduced to the RIB or DIB the NH would have been entitled
to or, if higher, 82 1/2 percent of the death PIA. (See RS 00615.320.)
For those who attain age 60 in or after 2000, the age at which unreduced benefits
may be received and the reduction amounts change. (See RS 00615.301).
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Sole Surviving Widow(er)
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$84.50 reduced for months of entitlement, if any, prior to age 62 or, if higher, the
WIB computed without regard to this sole survivor's provision (see RS 00615.650). The sole survivor's rate was eliminated when NH died after 1981 and was not eligible
for RIB or DIB (see RS 00605.100). Prior to 1982, see RS 00605.022.
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Reduced WIB and DIB Simultaneously or DIB then WIB (D/HA or HA then D)
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If in the first month of WIB entitlement the claimant is also entitled to a DIB, reduce
the excess WIB (the difference between the DIB PIA and the unreduced WIB benefit)
for the months of entitlement, if any, before FRA (or age 60 for calculations of benefits
payable prior to 1/84). See RS 00615.020.
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Widow(er) with Child in Care
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Determine the WIB under the appropriate rules summarized above subject to the condition
that it shall not be less than the mother's or father's benefit would be for any month
the widow(er) has an entitled child in care (see RS 00615.340).
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Remarried Widow or Widower
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Benefits for D4 and D5 are calculated same as for D. Before 1/79, the WIB is one-half
the PIA; (adjusted for the family maximum if necessary) or, if higher, the minimum
sole survivor rate if it applied. See RS 00615.714.
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Surviving Divorced Spouse
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The WIB is equal to the PIA reduced for age but not adjusted for the family maximum.
The RIB limitation also may apply. (See RS 00615.320)
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