Caution must be exercised when a disabled annuitant who retired from civil service
prior to October 20, 1969, applies for SS retirement benefits. Such an annuitant may
have had his or her OPM benefit computed under the guaranteed minimum 40 percent of
salary provision which does not directly credit pre-1957 MS, thus permitting SS wage
If the annuitant elected a reduced annuity with survivor benefits in order to provide
for surviving spouse benefits upon death, the potential surviving spouse benefit is
always based on the 55 percent of earned annuity formula, regardless of the basis
for the annuitant's benefit. The earned annuity formula credits any pre-1957 MS; therefore,
we may not grant wage credits for SS retirement (or any other benefit) purposes, even
though the surviving spouse benefits will not be paid by OPM until the annuitant dies.
It is the determination that such benefits are payable (even though not paid yet)
that bars our wage credits.