Follow these steps to determine separate reduction of increases effective before 1978:
         
            
               
                  
                  
               
               
                  
                  
                     
                     | Step | Action | 
               
               
                  
                  
                     
                     | 1 | Determine the amount that the benefit has increased. | 
                  
                     
                     | 2 | Reduce the amount of the increase by the reduction factor from the effective date
                           of the increase to age 65.
                         | 
                  
                     
                     | 3 | Add the reduced increase amount to the benefit amount that was in effect the month
                           before the increase.
                         |