TN 26 (01-04)

RS 00615.305 Estimating Reduced Widow(er) Benefits

A. BACKGROUND

The 1983 Amendments changed the age at which people may receive unreduced widow(er) benefits. Previously, unreduced benefits were payable in the month of attainment of age 65. Beginning with those born after January 1, 1940 unreduced widow(er) benefits are payable at different ages depending on the date of birth. The charts in RS 00615.003 show the full retirement age (FRA) at which unreduced benefits are payable. Instructions in RS 00615.005 explain how to compute reduced benefits and explain why fractions must be used. These charts use percentages and are to be used only for estimates of benefit amounts. They were designed for use in helping members of the public understand the reduction process.

NOTE: Other factors such as the RIB-LIM and DRCs may cause a significant difference in benefit amounts.

B. CHARTS

1. Estimated Widow(er) Benefits with Dates of Birth before 1/2/1957

  • Find the column that applies to the claimant’s date of birth.

  • Go down to the age the claimant wishes to start benefits.

  • The number shown is the percentage of the full benefit payable at that age. Other reductions and deductions may apply which may cause this amount to change.

If DOB =

Before 1/2/40

1/2/40 thru 1/1/41

1/2/41 thru 1/1/42

1/2/42 thru 1/1/43

1/2/43 thru 1/1/44

1/2/44 thru 1/1/45

1/2/45 thru 1/1/57

FRA =

65

65+2

65+4

65+6

65+8

65+10

66

If Benefits Start at:

 

 

 

 

 

 

 

Age 60

71.5

71.5

71.5

71.5

71.5

71.5

71.5

60+1

72.0

72.0

71.9

71.9

71.9

71.9

71.9

60+2

72.5

72.4

72.4

72.4

72.3

72.3

72.3

60+3

72.9

72.9

72.8

72.8

72.8

72.7

72.7

60+4

73.4

73.3

73.3

73.2

73.2

73.1

73.1

60+5

73.9

73.8

73.7

73.7

73.6

73.5

73.5

60+6

74.4

74.3

74.2

74.1

74.0

73.9

73.9

60+7

74.8

74.7

74.6

74.5

74.4

74.4

74.3

60+8

75.3

75.2

75.1

75.0

74.9

74.8

74.7

60+9

75.8

75.6

75.5

75.4

75.3

75.2

75.1

60+10

76.3

76.1

76.0

75.8

75.7

75.6

75.5

60+11

76.7

76.6

76.4

76.3

76.1

76.0

75.9

Age 61

77.2

77.0

76.8

76.7

76.5

76.4

76.3

61+1

77.7

77.5

77.3

77.1

76.9

76.8

76.6

61+2

78.2

77.9

77.7

77.5

77.4

77.2

77.0

61+3

78.6

78.4

78.2

78.0

77.8

77.6

77.4

61+4

79.1

78.9

78.6

78.4

78.2

78.0

77.8

61+5

79.6

79.3

79.1

78.8

78.6

78.4

78.2

61+6

80.1

79.8

79.5

79.3

79.0

78.8

78.6

61+7

80.5

80.2

80.0

79.7

79.5

79.2

79.0

61+8

81.0

80.7

80.4

80.1

79.9

79.6

79.4

61+9

81.5

81.2

80.9

80.6

80.3

80.1

79.8

61+10

82.0

81.6

81.3

81.0

80.7

80.5

80.2

61+11

82.4

82.1

81.7

81.4

81.1

80.9

80.6

Age 62

82.9

82.5

82.2

81.9

81.6

81.3

81.0

62+1

83.4

83.0

82.6

82.3

82.0

81.7

81.4

62+2

83.9

83.5

83.1

82.7

82.4

82.1

81.8

62+3

84.3

83.9

83.5

83.2

82.8

82.5

82.2

62+4

84.8

84.4

84.0

83.6

83.2

82.9

82.6

62+5

85.3

84.8

84.4

84.0

83.7

83.3

83.0

62+6

85.8

85.3

84.9

84.5

84.1

83.7

83.4

62+7

86.2

85.8

85.3

84.9

84.5

84.1

83.8

62+8

86.7

86.2

85.8

85.3

84.9

84.5

84.2

62+9

87.2

86.7

86.2

85.8

85.3

84.9

84.6

62+10

87.7

87.1

86.6

86.2

85.8

85.3

85.0

62+11

88.1

87.6

87.1

86.6

86.2

85.8

85.4

Age 63

88.6

88.0

87.5

87.0

86.6

86.2

85.8

63+1

89.1

88.5

88.0

87.5

87.0

86.6

86.1

63+2

89.6

89.0

88.4

87.9

87.4

87.0

86.5

63+3

90.0

89.4

88.9

88.3

87.8

87.4

86.9

63+4

90.5

89.9

89.3

88.8

88.3

87.8

87.3

63+5

91.0

90.3

89.8

89.2

88.7

88.2

87.7

63+6

91.5

90.8

90.2

89.6

89.1

88.6

88.1

63+7

91.9

91.3

90.6

90.1

89.5

89.0

88.5

63+8

92.4

91.7

91.1

90.5

89.9

89.4

88.9

63+9

92.9

92.2

91.5

90.9

90.4

89.8

89.3

63+10

93.4

92.6

92.0

91.4

90.8

90.2

89.7

63+11

93.8

93.1

92.4

91.8

91.2

90.6

90.1

Age 64

94.3

93.6

92.9

92.2

91.6

91.0

90.5

64+1

94.8

94.0

93.3

92.7

92.0

91.5

90.9

64+2

95.3

94.5

93.8

93.1

92.5

91.9

91.3

64+3

95.7

94.9

94.2

93.5

92.9

92.3

91.7

64+4

96.2

95.4

94.7

94.0

93.3

92.7

92.1

64+5

96.7

95.9

95.1

94.4

93.7

93.1

92.5

64+6

97.2

96.3

95.5

94.8

94.1

93.5

92.9

64+7

97.6

96.8

96.0

95.3

94.6

93.9

93.3

64+8

98.1

97.2

96.4

95.7

95.0

94.3

93.7

64+9

98.6

97.7

96.9

96.1

95.4

94.7

94.1

64+10

99.1

98.2

97.3

96.5

95.8

95.1

94.5

64+11

99.5

98.6

97.8

97.0

96.2

95.5

94.9

Age 65

100.0

99.1

98.2

97.4

96.6

95.9

95.3

65+1

n/a

99.5

98.7

97.8

97.1

96.3

95.6

65+2

n/a

100.0

99.1

98.3

97.5

96.7

96.0

65+3

n/a

n/a

99.6

98.7

97.9

97.2

96.4

65+4

n/a

n/a

100.0

99.1

98.3

97.6

96.8

65+5

n/a

n/a

n/a

99.6

98.7

98.0

97.2

65+6

n/a

n/a

n/a

100.0

99.2

98.4

97.6

65+7

n/a

n/a

n/a

n/a

99.6

98.8

98.0

65+8

n/a

n/a

n/a

n/a

100.0

99.2

98.4

65+9

n/a

n/a

n/a

n/a

n/a

99.6

98.8

65+10

n/a

n/a

n/a

n/a

n/a

100.0

99.2

65+11

n/a

n/a

n/a

n/a

n/a

n/a

99.6

Age 66

n/a

n/a

n/a

n/a

n/a

n/a

100.0

2. Estimated Widow(er) Benefits with Dates of Birth after 1/1/1957

  • Find the column that applies to the claimant’s date of birth.

  • Go down to the age the claimant wishes to start benefits.

  • The number shown is the percentage of the full benefit payable at that age. Other reductions and deductions may apply which may cause this amount to change.

If DOB =

1/2/57 Thru 1/1/58

1/2/58 thru 1/1/59

1/2/59 thru 1/1/60

1/2/60 thru 1/1/61

1/2/61 thru 1/1/62

after 1/1/62

FRA =

66+2

66+4

66+6

66+8

66+10

67

If Benefits Start at:

 

 

 

 

 

 

Age 60

71.5

71.5

71.5

71.5

71.5

71.5

60+1

71.9

71.9

71.9

71.9

71.8

71.8

60+2

72.3

72.3

72.2

72.2

72.2

72.2

60+3

72.7

72.6

72.6

72.6

72.5

72.5

60+4

73.0

73.0

73.0

72.9

72.9

72.9

60+5

73.4

73.4

73.3

73.3

73.2

73.2

60+6

73.8

73.8

73.7

73.6

73.6

73.5

60+7

74.2

74.1

74.1

74.0

73.9

73.9

60+8

74.6

74.5

74.4

74.4

74.3

74.2

60+9

75.0

74.9

74.8

74.7

74.6

74.6

60+10

75.4

75.3

75.2

75.1

75.0

74.9

60+11

75.7

75.6

75.5

75.4

75.3

75.2

Age 61

76.1

76.0

75.9

75.8

75.7

75.6

61+1

76.5

76.4

76.3

76.1

76.0

75.9

61+2

76.9

76.8

76.6

76.5

76.4

76.3

61+3

77.3

77.1

77.0

76.8

76.7

76.6

61+4

77.7

77.5

77.3

77.2

77.1

76.9

61+5

78.0

77.9

77.7

77.6

77.4

77.3

61+6

78.4

78.3

78.1

77.9

77.8

77.6

61+7

78.8

78.6

78.4

78.3

78.1

77.9

61+8

79.2

79.0

78.8

78.6

78.5

78.3

61+9

79.6

79.4

79.2

79.0

78.8

78.6

61+10

80.0

79.8

79.5

79.3

79.1

79.0

61+11

80.4

80.1

79.9

79.7

79.5

79.3

Age 62

80.7

80.5

80.3

80.1

79.8

79.6

62+1

81.1

80.9

80.6

80.4

80.2

80.0

62+2

81.5

81.3

81.0

80.8

80.5

80.3

62+3

81.9

81.6

81.4

81.1

80.9

80.7

62+4

82.3

82.0

81.7

81.5

81.2

81.0

62+5

82.7

82.4

82.1

81.8

81.6

81.3

62+6

83.1

82.8

82.5

82.2

81.9

81.7

62+7

83.4

83.1

82.8

82.5

82.3

82.0

62+8

83.8

83.5

83.2

82.9

82.6

82.4

62+9

84.2

83.9

83.6

83.3

83.0

82.7

62+10

84.6

84.3

83.9

83.6

83.3

83.0

62+11

85.0

84.6

84.3

84.0

83.7

83.4

Age 63

85.4

85.0

84.7

84.3

84.0

83.7

63+1

85.8

85.4

85.0

84.7

84.4

84.1

63+2

86.1

85.8

85.4

85.0

84.7

84.4

63+3

86.5

86.1

85.8

85.4

85.1

84.7

63+4

86.9

86.5

86.1

85.8

85.4

85.1

63+5

87.3

86.9

86.5

86.1

85.8

85.4

63+6

87.7

87.3

86.8

86.5

86.1

85.8

63+7

88.1

87.6

87.2

86.8

86.4

86.1

63+8

88.4

88.0

87.6

87.2

86.8

86.4

63+9

88.8

88.4

87.9

87.5

87.1

86.8

63+10

89.2

88.8

88.3

87.9

87.5

87.1

63+11

89.6

89.1

88.7

88.2

87.8

87.4

Age 64

90.0

89.5

89.0

88.6

88.2

87.8

64+1

90.4

89.9

89.4

89.0

88.5

88.1

64+2

90.8

90.3

89.8

89.3

88.9

88.5

64+3

91.1

90.6

90.1

89.7

89.2

88.8

64+4

91.5

91.0

90.5

90.0

89.6

89.1

64+5

91.9

91.4

90.9

90.4

89.9

89.5

64+6

92.3

91.8

91.2

90.7

90.3

89.8

64+7

92.7

92.1

91.6

91.1

90.6

90.2

64+8

93.1

92.5

92.0

91.5

91.0

90.5

64+9

93.5

92.9

92.3

91.8

91.3

90.8

64+10

93.8

93.3

92.7

92.2

91.7

91.2

64+11

94.2

93.6

93.1

92.5

92.0

91.5

Age 65

94.6

94.0

93.4

92.9

92.4

91.9

65+1

95.0

94.4

93.8

93.2

92.7

92.2

65+2

95.4

94.8

94.2

93.6

93.0

92.5

65+3

95.8

95.1

94.5

93.9

93.4

92.9

65+4

96.1

95.5

94.9

94.3

93.7

93.2

65+5

96.5

95.9

95.3

94.7

94.1

93.6

65+6

96.9

96.3

95.6

95.0

94.4

93.9

65+7

97.3

96.6

96.0

95.4

94.8

94.2

65+8

97.7

97.0

96.3

95.7

95.1

94.6

65+9

98.1

97.4

96.7

96.1

95.5

94.9

65+10

98.5

97.8

97.1

96.4

95.8

95.3

65+11

98.8

98.1

97.4

96.8

96.2

95.6

Age 66

99.2

98.5

97.8

97.2

96.5

95.9

66+1

99.6

98.9

98.2

97.5

96.9

96.3

66+2

100.0

99.3

98.5

97.9

97.2

96.6

66+3

n/a