Identification Number:
RS 00605 TN 60
Intended Audience:See Transmittal Sheet
Originating Office:ORDP OISP
Title:Initial Computation of the PIA - Recomputations and Recalculations
Type:POMS Transmittals
Program:All Programs
Link To Reference:
 

PROGRAM OPERATIONS MANUAL SYSTEM
Part RS – Retirement and Survivors Insurance
Chapter 006 – Determination of PIAs and Benefit Amounts
Subchapter 05 – Initial Computation of the PIA - Recomputations and Recalculations
Transmittal No. 60, 11/21/2018

Audience

PSC: BA, CA, CCRE, CS, DE, DS, DT, IES, PETE, RECONR, RECOVR, SCPS, TSA, TST;
OCO-OEIO: BIES, BTE, CR, CTE, FCR, PETL, RECONR;
OCO-ODO: BTE, CR, CST, CTE, CTE TE, PETE, PETL;
FO/TSC: CS, CS TII, CSR, CTE, DRT, DT, FR, OA, OS, RR, TA, TSC-CSR;

Originating Component

OISP

Effective Date

Upon Receipt

Background

Quick Action Transmittal -Does not change policy or procedure. These sections are being revised to reflect the updated figures associated with the 2019 cost-of-living adjustment (COLA).

Summary of Changes

RS 00605.018 Total Earnings in Computation Years Under the 1978 NS Method - Indexing the ER

We are adding a column to section D for the updated national average wage amount for 2017.

RS 00605.070 Special Minimum PIA

We are adding a column to section B.2 for the amount needed for a year coverage for the special minimum primary insurance amount for 2019.

RS 00605.362 Windfall Elimination Provision (WEP) Exceptions

We are adding a column to section A.1 for the amount needed for a year of coverage for the windfall elimination provision.

RS 00605.900 List of RAW PIA and Family Maximum Computations

We are adding a column for the 2019 bend points.

RS 00605.905 1978 NS AIME PIA Chart

We are adding a column for the 2019 primary insurance amounts.

RS 00605.910 Family Maximum Chart

We are adding a column for the 2019 family maximum amounts.

RS 00605.944 Indexing Factors for 2019 Eligibility

We are adding a row for the 2019 manually indexed earnings indexing factor.

RS 00605.018 Total Earnings in Computation Years Under the 1978 NS Method - Indexing the ER

A. Definition

The indexing year is the second year before the benchmark year. If the benchmark year (also called eligibility year) is 1992, the indexing year would be 1990.

B. Policy

The PIA is determined on the basis of the earnings record after the posted and corrected earnings up to the maximum creditable amounts listed in RS 01404.300 have been adjusted or “indexed” to reflect earlier earnings in terms of the current dollar value in the “indexing year”. Earnings in and after the indexing year are not indexed. (See RS 00615.302 for widow(er)'s indexing provision.) Earnings in or after the indexing year are used as posted and, unlike earnings after indexing, are limited by the maximum creditable amounts listed in RS 01404.300.

C. Procedure

To index earnings:

  • Multiply the posted earnings up to the maximum creditable for each year after 1950 up to the indexing year by the average wages of all workers for the indexing year; and

  • Divide the result by the average earnings of all workers for the year being indexed. Carry to three decimal places and round to the nearest cent; i.e., if third decimal place is 4 or less, round down; if 5 or more, round up.

  • Use the following formula for indexing earnings:

Indexed earnings for Given Year = Actual Earnings   For Given Year × Average Earnings for Indexing Year
 

Average Earnings for Given Year

NOTE: Indexing of earnings may be done manually as described above or with the assistance of the Interactive Computation Facility on MCS.

D. List - Established Average Annual Earnings Amounts

The following lists the national average wage for each year after 1950.

Year Average Earnings Amounts
1951 $2,799.16
1952  $2,973.32
1953  $3,139.44
1954  $3,155.64
1955  $3,301.44
1956  $3,532.36
1957  $3,641.72
1958  $3,673.80
1959  $3,855.80
1960  $4,007.12
1961  $4,086.76
1962  $4,291.40
1963  $4,396.64
1964  $4,576.32
1965  $4,658.72
1966  $4,938.36
1967  $5,213.44
1968  $5,571.76
1969  $5,893.76
1970  $6,186.24
1971  $6,497.08
1972  $7,133.80
1973  $7,580.16
1974  $8,030.76
1975  $8,630.92
1976  $9,226.48
1977  $9,779.44
1978 $10,556.03
1979 $11,479.46
1980 $12,513.46
1981 $13,773.10
1982 $14,531.34
1983 $15,239.24
1984 $16,135.07
1985 $16,822.51
1986 $17,321.82
1987 $18,426.51
1988 $19,334.04
1989 $20,099.55
1990 $21,027.98
1991 $21,811.60
1992 $22,935.42
1993 $23,132.67
1994 $23,753.53
1995 $24,705.66
1996 $25,913.90
1997 $27,426.00
1998 $28,861.44
1999 $30,469.84
2000 $32,154.82
2001 $32,921.92
2002 $33,252.09
2003 $34,064.95

2004

$35,648.55

2005

$36,952.94

2006

$38,651.41

2007

$40,405.48

2008

$41,334.97

2009

$40,711.61

2010

$41,673.83

2011

$42,979.61

2012

$44.321.67

2013

$44,888.16

2014

$46.481.52

2015

$48,098.63

2016

2017

$48,642.15

$50,321.89

RS 00605.070 Special Minimum PIA

A. Introduction

The Special Minimum PIA is an alternative to regular PIA methods and is used for all benefits payable. Effective for benefits payable 1/73 or later and for LSDP payable based on deaths after 12/72, it is intended to help persons with low earnings over a working lifetime. The Special Minimum PIA is computed using a years of coverage test.

B. Policy - years of coverage

NOTE: Information in this section about years of coverage (YOCs) applies only to the Special Minimum PIA.

1. How Defined

Years of coverage are years after 1936 up to the year of entitlement or through the year of death in which a specific amount of earnings are credited. The number of years of coverage cannot exceed 30. Years wholly in a period of disability cannot be used unless the period of disability is disregarded.

If there are less than 30 YOCs, and the NH has additional earnings in or after the year of entitlement, a recomputation to include the new YOC may be given effective with January of the year following the new YOC.

2. How determined

Years of Coverage are determined as follows:

  1. a. 

    Prior to 1951 - 1 year of coverage for each $900 of aggregate earnings, not to exceed 14;

  2. b. 

    After 1950 through 1978 - 1 year of coverage for any year with earnings equal to 25% of a special wage base through 1990 or, beginning in 1991, 15% of the base.

  3. c. 

    Years after 1978 - 1 year of coverage for any year with earnings equal to 25% of a special wage base through 1990 or, beginning in 1991, 15% of the base. Use the following chart to determine if the amount for the year is met:

Year Amount Required
1979 $4,725
1980 $5,100
1981 $5,550
1982 $6,075
1983 $6,675
1984 $7,050
1985 $7,425
1986 $7,875
1987 $8,175
1988 $8,400
1989 $8,925
1990 $9,525
1991 $5,940
1992 $6,210
1993 $6,435
1994 $6,750
1995 $6,795
1996 $6,975
1997 $7,290
1998 $7,605
1999 $8,055
2000 $8,505
2001 $8,955
2002 $9,450
2003 $9,675
2004 $9,765
2005 $10,035

2006

$10,485

2007

$10,890

2008

$11,385

2009 — 2011 $11,880

2012

$12,285

2013

$12,645

2014

$13,050

2015–2016

$13,230

2017

$14,175

2018

2019

$14,310

$14,805

C. Procedure - determining the special minimum PIA

Determine the Special Minimum PIA as follows:

1. 1979 and later

For 1979 and later, subtract ten from the number of years of coverage and multiply by $11.50.

2. 3/74-12/78

For 3/74-12/78, subtract as above and multiply by $9.

3. 1/73-2/74

1/73-2/74, subtract as above and multiply by $8.50.

4. Cost-of-living increases

Beginning 6/79, add COLA's to the special minimum PIA.

The charts in RS 00640.075 show all PIAs and Maxes beginning with the 6/79 COLA.

D. Policy - the support PIA

Before 1979 a support PIA (underlying AMW PIA) is figured. In 1979 or later a support PIA is computed when additional earnings or DRC's are involved. When the support PIA surpasses the special minimum, it becomes the PIA of record.

E. Example

Carol Adams, born 5/15/28, files for RIB and elects benefits effective 6/ 90. Her ER shows the following:

1937-1950 $11,970.00 Total
1951-1954 900.00 Each year
1955-1956 70.00 Each year
1957-1958 1,200.00 Each year
1959-1967 1,450.00 Each year
1968-1971 None
1972 2,300.00
1973 2,500.00
1974-1978 None

Her PIA under the AIME method is $233.10. By applying the above method for determining the special minimum PIA, Mrs. Adams is credited with 13 years of coverage for the 1937-1950 period and with 14 years of coverage after 1950 (1951-1954; 1957-1965, and 1972), for a total of 27 years of coverage. Her special minimum PIA is $372.20 (27 years minus 10 years, multiplied by $11.50 per year plus all COLA's beginning 6/79 through 12/89). The support PIA is $233.10.

F. Procedure - determining family maximum under the special minimum

1. 1/79 and later

Use special minimum tables in RS 00640.075 for family maximum 1/79 and later.

NOTE: Beginning with 1979 a special computation is used to determine the family maximum. For 1/79 through 5/79 the maximum will be 150% of the PIA. Beginning with the 6/79 COLA, add the COLA to the previous PIA and maximum. Then multiply the new PIA by 150%. Compare the two maximums for each PIA and pay the higher. The tables in RS 00640.075 do this comparison for you. They are updated each year when the new COLA is announced.

2. 1/73 through 12/78

Choose the highest of one of the following calculations for the period 1/73 - 12/78.

  • the table maximum for the PIA if the special minimum PIA matches the table PIA;

  • the table maximum for the next higher PIA appearing on the table if the Special Minimum PIA does not exactly match a table PIA; or

  • the highest saving clause maximum applicable to the NH.

RS 00605.362 Windfall Elimination Provision (WEP) Exceptions

A. Exception based on Years of Coverage (YOC)

Workers who have 30 YOCs are fully exempt from the Windfall Elimination Provision (WEP). Workers with 21 to 29 YOCs are eligible for a partial exemption.

Use all wages on the earnings record, including military service wage credits, from 1937 to the present to determine the total number of YOCs for WEP purposes. For policy and procedures when military service wages are needed to determine YOCs, see RS 01701.000. When you input alleged military service, the system considers the military service when calculating the YOCs. Be especially alert when a New Start 1978 Primary Insurance Amount (PIA) computation applies.

1. Amount needed per YOCs

Use the following chart to manually determine the number of YOCs beginning with 1951. To obtain the pre-1951 YOC, divide total pre-1951 wages by $900. Drop any remainder. The total pre-1951 YOC cannot exceed 14.

Amount Needed Per YOC

Year

Amount

Year

Amount

Year

Amount

1951

$900.00

1952

$900.00

1953

$900.00

1954

$900.00

1955

$1050.00

1956

$1050.00

1957

$1050.00

1958

$1050.00

1959

$1200.00

1960

$1200.00

1961

$1200.00

1962

$1200.00

1963

$1200.00

1964

$1200.00

1965

$1200.00

1966

$1650.00

1967

$1650.00

1968

$1950.00

1969

$1950.00

1970

$1950.00

1971

$1950.00

1972

$2250.00

1973

$2700.00

1974

$3300.00

1975

$3525.00

1976

$3825.00

1977

$4125.00

1978

$4425.00

1979

$4725.00

1980

$5100.00

1981

$5550.00

1982

$6075.00

1983

$6675.00

1984

$7050.00

1985

$7425.00

1986

$7875.00

1987

$8175.00

1988

$8400.00

1989

$8925.00

1990

$9525.00

1991

$9900.00

1992

$10350.00

1993

$10725.00

1994

$11250.00

1995

$11325.00

1996

$11625.00

1997

$12150.00

1998

$12675.00

1999

$13425.00

2000

$14,175.00

2001

$14,925.00

2002

$15,750.00

2003

$16,125.00

2004

$16,275.00

2005

$16,725.00

2006

$17,475.00

2007

$18,150.00

2008

$18,975.00

2009 – 2011

$19,800.00

2012

$20,475.00

2013

$21,075.00

2014

$21,750

2015–2016

$22,050

2017

$23,625

2018

$23,850

2019 $24,675

2. Benefits payable beginning 01/89, workers with 21 - 29 years of coverage

Beginning with benefits payable for 01/89, workers with 21 - 29 years of coverage are eligible for a partial exemption as follows:

YOCs

First Factor In Benefit Formula

30 or more

90 percent

29

85

28

80

27

75

26

70

25

65

24

60

23

55

22

50

21

45

20 or less

40 percent

3. Benefits payable 1986-1988 for workers with 26-29 YOCs

For benefits payable 1986-1988, the partial exemption affects workers with 26-29 YOCs as follows:

YOCs

First Factor In Benefit Formula

29

80 percent

28

70

27

60

26

50

25 or less

40 percent

NOTE: When the worker qualifies for both the phase-in based on age and the exception based on YOCs, use whichever yields the higher PIA.

B. Exceptions based on employment or pension basis

The following exceptions to WEP are based on the worker’s employment or the basis used to pay the pension.

  1. 1. 

    Federal employees who performed service on 1/1/84, and who became newly covered under Social Security on 1/1/84, under the mandatory coverage provision in P.L. 98-21 are exempt from WEP for federal pensions received. (For more information on the policy for Federal civilian employment, see RS 01901.340B.)

  2. 2. 

    An employee of a nonprofit organization who was exempt from Social Security coverage on 12/31/83, and who became covered for the first time as an employee of that organization on 1/1/84 under the mandatory coverage provision of P.L. 98-21, is exempt from WEP for any pension received from that nonprofit organization.

  3. 3. 

    The following are not subject to WEP:

    • Payments based on earnings under the Railroad Retirement Act;

    • Payments based solely on domestic or foreign non-covered employment before 1957; or

    • Workers' compensation (WC) payments under Federal or State law. However, pension payments that are “like” or “in lieu of” WC payments are not exempt. (For more information about the Federal Employee’s Compensation Act, see RS 00605.372A.1.)

C. Exception based on early-out or discontinued service

1. Meeting the early-out or discontinued service exception

WEP does not affect workers eligible for a pension before 1986 under an early-out option if the worker meets all requirements for the pension other than having actually filed. (For the development required for early-out or discontinued service, see RS 00605.366D.6.)

2. Deferred Retirement Option Plans (DROP)

DROPs allow an employee who would be eligible to retire and receive benefits under an employer’s defined benefit retirement plan to continue to work. Instead of having the continued compensation and additional years of service taken into account for purposes of the defined benefit formula, the employee has a sum of money credited to a DROP account during each year of the continued employment. DROPs can take many forms and can be either a separate plan or part of the defined benefit plan.

WEP may or may not apply to a worker’s DROP if he or she meets the exception to WEP based on early-out or discontinued service in RS 00605.362C.1. (in this section). If an individual receives a DROP:

  1. a. 

    Search the legal precedent opinions in POMS Part 15 (PR) to determine how to treat that particular DROP; 

  2. b. 

    if a legal opinion has not been rendered on the DROP in question, request a regional OGC determination on whether the DROP is a separate pension or is part of the defined benefit retirement plan; and

  3. c. 

    forward your request and copies of the pertinent material to the Assistant Regional Commissioner (ARC), Management and Operations Support (MOS) that has jurisdiction of the state that provides the DROP in question.

Apply the Early-Out or Discontinued Service exemption to the DROP as follows:

  • If the DROP is a separate pension plan, the early-out or discontinued service exemption will apply only to the pension plan that the worker was eligible to receive before 1986, if all the requirements in RS 00605.362C.1. (in this section) are met.

    EXAMPLE: If the worker was eligible to receive the defined benefit plan before 1986 and eligible to receive the DROP after 1985, WEP would apply only to the DROP.

  • If the DROP is a part of the defined benefit retirement plan, payments from both plans are considered one pension for WEP purposes and the early-out or discontinued service exemption will apply to the combined payments if all the requirements in RS00605.362C.1. (in this section) are met. To determine the combined pension amount, see RS 00605.364C.3.

  • If there was no eligibility to either the defined benefit retirement plan or the DROP prior to 1986, WEP would apply to the combined payments. To determine the combined payment amount, see RS 00605.364C.3.

3. Reopening prior DROP determinations

If you applied the WEP based on the prior policy that all DROPs were pension plans separate from the defined benefit plan and the DROP is part of the defined benefit plan, you may reopen the determination to apply WEP under the rules of administrative finality in GN 04001.000.

D. Exception based on service as a Minister

A monthly periodic payment to a minister based on service as a minister is not considered a pension for purposes of WEP.

E. Exception based on Military Service

For instructions on when the WEP exception applies to military reservist pensions, see RS 00605.383 Exclusion of Military Reservists from WEP.

F. Exception based on Foreign Pension

For instructions on when the WEP exception applies to pensions based on totalization agreements, see GN 00307.290 Evidence of Foreign Pensions and the WEP RS 00605.386 Exclusion of Certain Totalization Benefits from WEP.

G. References

RS 00605.900 List of RAW PIA and Family Maximum Computations

Policy

Beginning with eligibility in 1979, PIAs are based on the average indexed monthly earnings (AIME). Family maximums for retirement and survivor claims are computed based on the PIA. Family maximums for disability claims with eligibility in 1979 or later and entitlement before July 1980 are also based on the PIA. See RS 00615.742 for rules on computing the family maximums on disability claims with initial entitlement after June 1980. Bend points are used to derive the PIA from the AIME and the family maximum from the PIA. A different set of bend points is established each year. The PIA and family maximum bend points from 1979 on shown in the following chart:

 

Year PIA Bend Points Family Maximum Bend Points
1979 180 and 1085 230, 332 and 433
1980 194 and 1171 248, 358 and 467
1981 211 and 1274 270, 390 and 508
1982 230 and 1388 294, 425 and 554
1983 254 and 1528 324, 468 and 610
1984 267 and 1612 342, 493 and 643
1985 280 and 1691 358, 517 and 675
1986 297 and 1790 379, 548 and 714
1987 310 and 1866 396, 571 and 745
1988 319 and 1922 407, 588 and 767
1989 339 and 2044 433, 626 and 816
1990 356 and 2145 455, 656 and 856
1991 370 and 2230 473, 682 and 890
1992 387 and 2333 495, 714 and 931
1993 401 and 2420 513, 740 and 966
1994 422 and 2545 539, 779 and 1016
1995 426 and 2567 544, 785 and 1024
1996 437 and 2635 559, 806 and 1052
1997 455 and 2741 581, 839 and 1094
1998 477 and 2875 609, 880 and 1147
1999 505 and 3043 645, 931 and 1214
2000 531 and 3202 679, 980 and 1278
2001 561 and 3381 717, 1034 and 1349
2002 592 and 3567 756, 1092 and 1424
2003 606 and 3653 774, 1118 and 1458
2004 612 and 3689 782, 1129 and 1472
2005 627 and 3779 801, 1156 and 1508

2006

656 and 3955

838, 1210 and 1578

2007

680 and 4100

869, 1255 and 1636

2008

711 and 4288

909, 1312 and1711

2009 744 and 4,483 950, 1372 and 1789

2010

761 and 4,586

972, 1403 and 1830

2011

749 and 4517

957, 1382 and 1803

2012 767 and 4624 980, 1415 and 1845
2013 791 and 4768 1011, 1459 and 1903
2014 816 and 4917 1042, 1505 and 1962
2015 826 and 4980 1056, 1524 and 1987
2016 856 and 5157 1093, 1578 and 2058
2017 885 and 5336 1131, 1633 and 2130
2018 895 and 5,397 1,144, 1,651 and 2,154
2019 926 and 5,583 1,184, 1,708 and 2,228

RS 00605.905 1978 NS AIME PIA Chart

This chart can be used to compute a raw PIA based on the AIME. It reduces the number of calculations to one. This chart is updated annually to reflect new bend points. The term raw PIA means it is the PIA in the first year of eligibility prior to any applicable COLAs.

To use this chart, first find the section for the applicable eligibility year. Then find the row within that section which corresponds to the amount of the AIME and perform the calculation to the right. Remember to add any applicable COLAs to the raw PIA obtained from this chart.

Year AIME Calculations of PIA
1979 Up through 180 90 percent of AIME
181 - 1085 162.00 plus 32% of excess of 180
1086 or higher 451.60 plus 15% of excess of 1085
1980 Up through 194 90 percent of AIME
195 - 1171 174.60 plus 32% of excess of 194
1172 or higher 487.24 plus 15% of excess of 1171
1981 Up through 211 90 percent of AIME
212 - 1274 189.90 plus 32% of excess of 211
1275 or higher 530.06 plus 15% of excess of 1274
1982 Up through 230 90 percent of AIME
231 - 1388 207.00 plus 32% of excess of 230
1389 or higher 577.56 plus 15% of excess of 1388
1983 Up through 254 90 percent of AIME
255 - 1528 228.60 plus 32% of excess of 254
1529 or higher 636.28 plus 15% of excess of 1528
1984 Up through 267 90 percent of AIME
268 - 1612 240.30 plus 32% of excess of 267
1613 or higher 670.70 plus 15% of excess of 1612
1985 Up through 280 90 percent of AIME
281 - 1691 252.00 plus 32% of excess of 280
1692 or higher 703.52 plus 15% of excess of 1691
1986 Up through 297 90 percent of AIME
298 - 1790 267.30 plus 32% of excess of 297
1791 or higher 745.06 plus 15% of excess of 1790
1987 Up through 310 90 percent of AIME
311 - 1866 279.00 plus 32% of excess of 310
1867 or higher 776.92 plus 15% of excess of 1866
1988 Up through 319 90 percent of AIME
320 - 1922 287.10 plus 32% of excess of 319
1923 or higher 800.06 plus 15% of excess of 1922
1989 Up through 339 90 percent of AIME
340 - 2044 305.10 plus 32% of excess of 339
2045 or higher 850.70 plus 15% of excess of 2044
1990 Up through 356 90 percent of AIME
357 - 2145 320.40 plus 32% of excess of 356
2146 or higher 892.88 plus 15% of excess of 2145
1991 Up through 370 90 percent of AIME
371 - 2230 333.00 plus 32% of excess of 370
2231 or higher 928.20 plus 15% of excess of 2230
1992 Up through 387 90 percent of AIME
388 - 2333 348.30 plus 32% of excess of 387
2334 or higher 971.02 plus 15% of excess of 2333
1993 Up through 401 90 percent of AIME
402 - 2420 360.90 plus 32% of excess of 401
2421 or higher 1006.98 plus 15% of excess of 2420
1994 Up through 422 90 percent of AIME
423 - 2545 379.80 plus 32% of excess of 422
2546 or higher 1059.16 plus 15% of excess of 2545
1995 Up through 426 90 percent of AIME
427 - 2567 383.40 plus 32% of excess of 426
2568 or higher 1068.52 plus 15% of excess of 2567
1996 Up through 437 90 percent of AIME
438 - 2635 393.30 plus 32% of excess of 437
2636 or higher 1096.66 plus 15% of excess of 2635
1997 Up through 455 90 percent of AIME
456 - 2741 409.50 plus 32% of excess of 455
2742 or higher 1141.02 plus 15% of excess of 2741
1998 Up through 477 90 percent of AIME
478 - 2875 429.30 plus 32% of excess of 477
2876 or higher 1196.66 plus 15% of excess of 2875
1999 Up through 505 90 percent of AIME
506 - 3,043 454.50 plus 32% of excess of 505
3,044 or higher 1,266.66 plus 15% of excess of 3,043
2000 Up through 531 90% of AIME
532 - 3,202 477.90 plus 32% of excess of 531
3,203 or higher 1,332.62 plus 15% of excess of 3,202
2001   Up through 561 90% of AIME
562 - 3,381 504.90 plus 32% of excess of 561
3,382 or higher 1,407.30 plus 15% of excess of 3,381
2002   Up through 592 90% of AIME
593 - 3,567 532.80 plus 32% of excess of 592
3,568 or higher 1,484.80 plus 15% of excess of 3,567
2003 Up through 606 90% of AIME
607 - 3,653 545.40 plus 32% of excess of 606
3,654 or higher 1520.44 plus 15% of excess of 3,653
2004 Up through 612 90% of AIME
613-3,689 550.80 plus 32% of excess of 612
3,690 or higher 1,535.44 plus 15% of excess of 3,689
2005 Up through 627 90% of AIME
628-3,779 564.30 plus 32% of excess of 627
3,780 or higher 1,572.94 plus 15% of excess of 3,779

2006

Up through 656 90 % of AIME

657 - 3,955

590.40 plus 32% of excess of 656

3,956 or higher

1,646.08 plus 15% of excess of 3,955

2007

Up through 680

90% of AIME

681 - 4,100

612.00 plus 32% of excess of 680

4,101 or higher

1,706.40 plus 15% of excess of 4,100

2008

Up through 711

90% of AIME

712 - 4,288

639.90 plus 32% of excess of 711

4,289 or higher

1,784.54 plus 15% of excess of 4,288

2009

Up through 744

90% of AIME

745 - 4,483

669.60 plus 32% of excess of 744

4,484 or higher

1,866.08 plus 15% of excess of 4,483

2010

Up through 761

90% of AIME

762 - 4,586

684.90 plus 32% of excess of 761

4,587 or higher

1,908.90 plus 15% of excess of 4,586

2011

Up through 749

90% of AIME

750 - 4,517

674.10 plus 32% of excess of 749

4,518 or higher

1,879.86 plus 15% of excess of 4,517

2012

Up through 767

90% of AIME

768 - 4,624

690.30 plus 32% of excess of 767

4,625 or higher

1,924.54 plus 15% of excess of 4,624

2013

Up through 791

90% of AIME

792 - 4,768

711.90 plus 32% of excess of 791

4,769 or higher

1,984.54 plus 15% of excess of 4,768

2014

Up through 816

90% of AIME

817 — 4917

734.40 plus 32% of excess of 816

4,918 or higher

2,046.72 plus 15% of excess of 4,917

2015

Up through 826

90% of AIME

827 — 4,980

743.40 plus 32% of excess of 826

4,981 or higher

2,072.68 plus 15% of excess of 4,980

2016

Up through 856

90% of AIME

857 — 5,157

770.40 plus 32% of excess of 856

5,158 or higher

2,146.72 plus 15% of excess of 5,157

2017 Up through 885 90% or AIME
886–5,336 796.50 plus 32% of excess of 885
5,337 or higher 2,220.82 plus 15% or excess of 5,336
2018

Up through 895

896 — 5,397

5,398 or higher

90% of AIME

805.50 plus 32% of excess of 895

2246.14 plus 15% of excess of 5,397

2019 Up through 926 90% of AIME
927 - 5583 833.40 plus 32% of excess of 926
5,584 or higher 2,323.64 plus 15% of excess of 5,583

RS 00605.910 Family Maximum Chart

This chart can be used when a family maximum is needed for (1) a retirement or survivor claim or (2) a disability claim with entitlement prior to July 1980. It is based on a PIA computed using an eligibility year of 1979 or later. It reduces the number of calculations to one. This chart is updated annually to reflect new bend points. The maximum derived is the maximum in the first year of eligibility, prior to any applicable COLAs. Refer to RS 00615.742 for rules on computing a maximum for a disability claim with entitlement after June 1980.

To use this chart, first find the section for the applicable eligibility year. Then find the row within that section which corresponds to the amount of the PIA and perform the calculation to the right.

Year PIA Calculations of Maximum
1979 Up through 230.00 150 percent of PIA
230.10 - 332.00 345.00 plus 272% of excess of 230
332.10 - 433.00 622.44 plus 134% of excess of 332
433.10 or higher 757.78 plus 175% of excess of 433
1980 Up through 248.00 150 percent of PIA
248.10 - 358.00 372.00 plus 272% of excess of 248
358.10 - 467.00 671.20 plus 134% of excess of 358
467.10 or higher 817.26 plus 175% of excess of 467
1981 Up through 270.00 150 percent of PIA
270.10 - 390.00 405.00 plus 272% of excess of 270
390.10 - 508.00 731.40 plus 134% of excess of 390
508.10 or higher 899.52 plus 175% of excess of 508
1982 Up through 294.00 150 percent of PIA
294.10 - 425.00 441.00 plus 272% of excess of 294
425.10 - 554.00 797.32 plus 134% of excess of 425
554.10 or higher 970.18 plus 175% of excess of 554
1983 Up through 324.00 150 percent of PIA
324.10 - 468.00 486.00 plus 272% of excess of 324
468.10 - 610.00 877.68 plus 134% of excess of 468
610.10 or higher 1067.96 plus 175% of excess of 610
1984 Up through 342.00 150 percent of PIA
342.10 - 493.00 513.00 plus 272% of excess of 342
493.10 - 643.00 923.72 plus 134% of excess of 493
643.10 or higher 1124.72 plus 175 of excess of 643
1985 Up through 358.00 150 percent of PIA
358.10 - 517.00 537.00 plus 272% of excess of 358
517.10 - 675.00 969.48 plus 134% of excess of 517
675.10 or higher 1181.20 plus 175% of excess of 675
1986 Up through 379.00 150 percent of PIA
379.10 - 548.00 568.50 plus 272% of excess of 379
548.10 - 714.00 1028.18 plus 134% of excess of 548
714.10 or higher 1250.62 plus 175% of excess of 714
1987 Up through 396.00 150 percent of PIA
396.10 - 571.00 594.00 plus 272% of excess of 396
571.10 - 745.00 1070.00 plus 134% of excess of 571
745.10 - or higher 1303.16 plus 175% of excess of 745
1988 Up through 407.00 150 percent of PIA
407.10 - 588.00 610.50 plus 272% of excess of 407
588.10 - 767.00 1102.82 plus 134% of excess of 588
767.10 or higher 1342.68 plus 175% of excess of 767
1989 Up through 433.00 150 percent of PIA
433.10 - 626.00 649.50 plus 272% of excess of 433
626.10 - 816.00 1174.46 plus 134% of excess of 626
816.10 or higher 1429.06 plus 175% of excess of 816
1990 Up through 455.00 150 percent of PIA
455.10 - 656.00 682.50 plus 272% of excess of 455
656.10 - 856.00 1229.22 plus 134% of excess of 656
856.10 or higher 1497.22 plus 175% of excess of 856
1991 Up through 473.00 150 percent of PIA
473.10 - 682.00 709.50 plus 272% of excess of 473
682.10 - 890.00 1277.98 plus 134% of excess of 682
890.10 or higher 1556.70 plus 175% of excess of 890
1992 Up through 495.00 150 percent of PIA
495.10 - 714.00 742.50 plus 272% of excess of 495
714.10 - 931.00 1338.18 plus 134% of excess of 714
931.10 or higher 1628.96 plus 175% of excess of 931
1993 Up through 513.00 150 percent of PIA
513.10 - 740.00 769.50 plus 272% of excess of 513
740.10 - 966.00 1386.94 plus 134% of excess of 740
966.10 or higher 1689.78 plus 175% of excess of 966
1994 Up through 539.00 150 percent of PIA
539.10 - 779.00 808.50 plus 272% of excess of 539
779.10 - 1016.00 1461.30 plus 134% of excess of 779
1016.10 or higher 1778.88 plus 175% of excess of 1016
1995 Up through 544.00 150 percent of PIA
544.10 - 785.00 816.00 plus 272% of excess of 544
785.10 - 1024.00 1471.52 plus 134% of excess of 785
1024.10 or higher 1791.78 plus 175% of excess of 1024
1996 Up through 559.00 150 percent of PIA
559.10 - 806.00 838.50 plus 272% of excess of 559
806.10 - 1052.00 1510.34 plus 134% of excess of 806
1052.10 or higher 1839.98 plus 175% of excess of 1052
1997 Up through 581.00 150 percent of PIA
581.10 - 839.00 871.50 plus 272% of excess of 581
839.10 - 1094.00 1573.26 plus 134% of excess of 839
1094.10 or higher 1914.96 plus 175% of excess of 1094
1998 Up through 609.00 150 percent of PIA
609.10 - 880.00 913.50 plus 272% of excess of 609
880.10 - 1147.00 1650.62 plus 134% of excess of 880
1147.10 or higher 2008.40 plus 175% of excess of 1147
1999 Up through 645.00 150 percent of PIA
645.10 - 931.00 967.50 plus 272% of excess of 645
931.10 - 1,214.00 1,745.42 plus 134% of excess of 931
1,214.00 or higher 2,124.64 plus 175% of excess of 1,214
2000 Up through 679.00 150% of PIA
679.10 - 980.00 1,018.50 plus 272% of excess of 679
980.10 - 1,278.00 1,837.22 plus 134% of excess of 980
1,278.10 or higher 2,236.54 plus 175% of excess of 1,278
2001    Up through 717.00 150% of PIA
  717.10 - 1,034.00 1,075.50 plus 272% of excess of 717
1,034.10 - 1,349.00 1,937.74 plus 134% of excess of 1,034
1,349.10 or higher 2,359.84 plus 175% of excess of 1,349
2002 Up through 756.00 150% of PIA
  756.10 - 1,092.00 1,134.00 plus 272% of excess of 756
1,092.10 - 1,424.00 2,047.92 plus 134% of excess of 1,092
1,424.10 or higher 2,492.80 plus 175% of excess of 1,424
2003 Up through 774.00 150% of PIA
774.10 - 1,118.00 1,161.00 plus 272% of excess of 774
1,118.10 - 1,458.00 2,096.68 plus 134% of excess of 1,118
1,458.10 or higher 2,552.28 plus 175% of excess of 1,458
2004 Up through 782.000 150% of PIA
782.10 - 1,129.00 1,173.00 plus 272% of excess of 782
1,129.10 - 1,472.00 2,116.84 plus 134% of excess of 1,129
1,472.10 or higher 2,576.46 plus 175% of excess of 1,472
2005 Up through 801.00 150% of PIA
801.10 - 1,156.00 1,201.50 plus 272% of excess of 801
1,156.10 - 1,508.00 2,167.10 plus 134% of excess of 1,156
1,508.10 or higher 2,638.78 plus 175% of excess of 1,508
2006 Up through 838.00 150% of PIA
838.10 - 1,210.00 1,257.00 plus 272% of excess of 838
1,210.10 - 1,578.00 2,268.84 plus 134% of excess of 1,210
1,578.10 or higher 2,761.96 plus 175% of excess of 1,578
2007 Up through 869.00 150% of PIA
869.10 - 1,255.00 1,303.50 plus 272% of excess of 869
1,255.10 - 1,636.00 2,353.42 plus 134% of excess of 1,255
1,636.10 or higher 2,863.96 plus 175% of excess of 1,636
2008 Up through 909.00 150% of PIA
909.10 - 1,312.00 1,363.50 plus 272% of excess of 909
1,312.10 - 1,711.00 2,459.66 plus 134% of excess of 1,312
1,711.10 or higher 2,994.32 plus 175% of excess of 1,711
2009 Up through 950.00 150% of PIA
950.10 - 1,372.00 1,425.00 plus 272% of excess of 950
1,372.10 - 1,789.00 2,572.84 plus 134% of excess of 1,372
1,789.10 or higher 3,131.62 plus 175% of excess of 1,789
2010 Up through 972.00 150% of PIA
972.10 - 1,403.00 1,458.00 plus 272% of excess of 972
1,403.10 - 1,830.00 2,630.32 plus 134% of excess of 1,403
1,830.10 or higher 3,202.50 plus 175% of excess of 1,830
2011 Up through 957.00 150% of PIA
957.10 - 1,382.00 1,435.50 plus 272% of excess of 957
1,382.10 - 1,803.00 2,591.50 plus 134% of excess of 1,382
1,803.10 or higher 3,155.64 plus 175% of excess of 1,803
2012 Up through 980.00 150% of PIA
980.10 - 1,415.00 1,470.00 plus 272% of excess of 980
1,415.10 - 1,845.00 2,653.20 plus 134% of excess of 1,415
1,845.10 or higher 3,229.40 plus 175% of excess of 1,845
2013 Up through 1,011.00 150% of PIA
1,011.10 - 1,459.00 1,516.50 plus 272% of excess of 1,011
1,459.10 - 1,903.10 2,735.06 plus 134% of excess of 1,459
1,903.10 or higher 3,330.02 plus 175% of excess of 1,903
2014 Up through 1,042.00 150% of PIA
1,042.10 - 1,505.00 1,563.00 plus 272% of excess of 1042
1,505.10 - 1,962.00 2,822.36 plus 134% of excess of 1,505
1,962.10 or higher 3,434.74 plus 175% of excess of 1,962
2015 Up through 1,056.00 150% of PIA
1,056.10 - 1,524.00 1,584.00 plus 272% of excess of 1056
1,524.10 - 1,987.00 2,856.96 plus 134% of excess of 1,524
1,987.10 or higher 3,477.38 plus 175% of excess of 1,987
2016 Up through 1,093.00 150% of PIA
1,093.10 — 1,578.00 1,639.50 plus 272% of excess of 1093
1,578.10 — 2,058.00 2,958.70 plus 134% of excess of 1,578
2058.10 or higher 3,601.90 plus 175% of excess of 2,058
2017 Up through 1,131.00 150% of PIA
1,131.10 — 1,633.00 1,696.50 plus 272% of excess of 1,131
1,63310 — 2,130.00 3,061.94 plus 134% of excess of 1,633
2,130.10 or higher 3,727.92 plus 175% of excess of 2,130
2018

Up through 1,144.00

1,144.10 — 1,651.00

1,651.10 — 2,154.00

2,154.10 or higher

150% of PIA

1,716.00 plus 272% of excess of 1,144

3,095.04 plus 134 % of excess of 1,651

3,769.06 plus 175% of excess of 2,154

2019 Up through 1,184 150% of PIA
1,184.10 - 1,708.00 1.776.00 plus 272% of excess of 1,184
1,708.10 - 2,228.00 3,201.28 plus 134% of excess of 1,708
2,228.10 - or higher 3,898.08 plus 175% of excess of 2,228

RS 00605.944 Indexing Factors for 2019 Eligibility

Use the chart in this section to manually index earnings of any wage earner who is initially eligible in the year 2019.

Year Maximum Earnings Average Earnings Actual Earnings X Indexing Factor = Indexed Earnings
1958 $4,200 $3,673.80 13.6975039
1959

$4,800

 

$3,855.80

 

 

 

 

 

13.0509596

 

 

 

 

 

1960

$4,800

 

$4,007.12

 

 

 

 

 

12.5581190

 

 

 

 

 

1961

$4,800

 

$4,086.76

 

 

 

 

 

12.3133950

 

 

 

 

 

1962

$4,800

 

$4,291.40

 

 

 

 

 

11.7262176

 

 

 

 

 

1963

$4,800

 

$4,396.64

 

 

 

 

 

11.4455334

 

 

 

 

 

1964 $4,800 $4,576.32 10.9961476
1965 $4,800 $4,658.72 10.8016558

 

 

 

 

1966 $6,600 $4,938.36 10.1900003
1967 $6,600 $5,213.44 9.6523390
1968 $7,800 $5,571.76

 

 

 

 

9.0315968

 

 

 

 

1969 $7,800 $5,893.76 8.5381641

1970

 

$7,800

 

$6,186.24

 

 

 

 

 

8.1344872

 

 

 

 

1971

 

$7,800

 

$6,497.08

 

 

 

 

 

7.7453087

 

 

 

 

 

1972

 

$9,000

 

$7,133.80

 

 

 

 

 

7.0540091

 

 

 

 

 

1973

 

$10,800

 

$7,580.16

 

 

 

 

 

6.6386316

 

 

 

 

 

1974

 

$13,200

 

$8,030.76

 

 

 

 

 

6.2661429

 

 

 

 

 

1975

 

$14,100

 

$8,630.92

 

 

 

 

 

5.8304202

 

 

 

 

 

1976

 

$15,300

 

$9,226.48

 

 

 

 

 

5.4540724

 

 

 

 

 

1977

 

$16,500

 

$9,779.44

 

 

 

 

 

5.1456822

 

 

 

 

 

1978

 

$17,700

 

$10,556.03

 

 

 

 

 

4.7671227

 

 

 

 

 

1979

 

$22,900

 

$11,479.46

 

 

 

 

 

4.3836461

 

 

 

1980

 

$25,900

 

$12,513.46

 

 

 

 

 

4.0214209

 

 

 

 

1981

 

$29,700

 

$13,773.10

 

 

 

 

 

3.6536357

 

 

 

 

 

1982

 

$32,400

 

$14,531.34

 

 

 

 

 

3.4629903

 

 

 

 

 

1983

 

$35,700

 

$15,239.24

 

 

 

 

 

3.3021260

 

 

 

 

 

1984

 

$37,800

 

$16,135.07

 

 

 

 

 

3.1187897

 

 

 

 

 

1985 $39,600 $16,822.51 2.9913426

1986

 

$42,000

 

$17,321.82

 

 

 

 

 

2.9051156

 

 

 

 

 

1987 $43,800 $18,426.51 2.7309507
1988 $45,000 $19,334.04 2.6027612
1989 $48,000 $20,099.55 2.5036327
1990 $51,300 $21,027.98 2.3930920
1991 $53,400 $21,811.60 2.3071159
1992 $55,500 $22,935.42 2.1940688
1993 $57,600 $23,132.67 2.1753602
1994 $60,600 $23,753.53 2.1185015
1995 $61,200 $24,705.66 2.0368567
1996 $62,700 $25,913.90 1.9418879
1997 $65,400 $27,426.00 1.8348243
1998 $68,400 $28,861.44 1.7435682
1999 $72,600 $30,469.84 1.6515312
2000 $76,200 $32,154.82 1.5649875
2001 $80,400 $32,921.92 1.5285223
2002 $84,900 $33,252.09 1.5133452
2003 $87,000 $34,064.95 1.4772336
2004 $87,900 $35,648.55 1.4116111
2005 $90,000 $36,952.94 1.3617831
2006 $94,200 $38,651.41 1.3019419
2007 $97,500 $40,405.48 1.2454224
2008 $102,000 $41,334.97 1.2174169
2009 $106,800 $40,711.61 1.2360575
2010 $106,800 $41,673.83 1.2075178
2011 $106,800 $42,979.61 1.1708317
2012 $110,100 $44,321,.67 1.1353789
2013 $113,700 $44,888.16 1.1210504
2014 $117,000 $46,481.52 1.0826214
2015 $118,500 $48,098.63 1.0462229
2016 $118,500 $48,642.15 1.0345326
2017 $127,200 $50,321.89 1.0000000
2018 $128,400 N/A 1.0000000
2019 $132,900 N/A 1.0000000

 


RS 00605 TN 60 - Initial Computation of the PIA - Recomputations and Recalculations - 11/21/2018