Steve May became entitled to DIB in 3/85 with a PIA of $440.90. The DIB terminated
effective 6/86. Steve became entitled to RIB at age 62 in 5/91. His RIB PIA can be
no less than $454.50, the DIB PIA in effect in 5/86, his last month of DIB entitlement.
The 12/86, 12/87, 12/88, 12/89 and 12/ 90 COLAs are not added to the DIB Guarantee
since Steve was not entitled to DIB in any of the 12 months before his first MOET
to RIB. Since the benchmark year for the RIB entitlement is 1991, the DIB Guarantee
PIA must be compared with a 78 NS AIME PIA, and the 1977 Simplified Old Start PIA.