A person who becomes entitled to D benefits at or after age 60 and furnishes proof
of disability is deemed to be entitled to DWB for each month of D entitlement.
Although delay in submitting evidence of disability should be avoided, it will not
result in loss of months of deemed DWB entitlement. The effective date of deemed DWB
entitlement for a person entitled to D benefits depends on the date DWB could have begun, not on when evidence of disability is submitted. (See example E.2.)
In some cases, it will be advantageous for a disabled widow(er) who is eligible for
a reduced RIB greater than the reduced D benefit to also file for D benefits in order
to be deemed entitled to DWB. In such a case, the application for D benefits is restricted
to the first month of D eligibility and the RIB application is restricted to begin
with the following month. This permits D entitlement to be established for at least
one month prior to the start of RIB entitlement. Based on the D entitlement, the widow(er)
may be deemed entitled to DWB and D-HI awarded with the 25th month of deemed DWB entitlement.
(See example E.4.)