When a person is entitled simultaneously to reduced RIB and a reduced spouse's benefit,
first reduce the RIB PIA by the RIB reduction factor. Then subtract the RIB PIA from
the unreduced spouse's benefit, and reduce the excess by the spouse's reduction factor.
The reduced excess is the amount actually payable as a spouse. Add the reduced spouse's
benefit to the reduced RIB to determine the full AB benefit.
There is no entitlement to a reduced wife's (husband's) benefit if the wife's (husband's)
own PIA equals or exceeds one-half of the husband's (wife's) PIA.