Bob, DOB 4/18/24, filed a claim for DIB on 7/20/83. His onset was established as 10/3/81.
His waiting period can begin no earlier than 17 months prior to his date claim filed.
His waiting period begins on 2/1/82 and this is his assumed age 62. His freeze period
begins on 10/3/81 and ends on 2/1/85, the month he is assumed to attain age 65. For
the freeze computation, his elapsed years are 51-80 and his 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. He is 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.