TN 58 (12-23)

# RS 00615.205 Estimating Reduced Spouse Benefits

## A. Background

The 1983 Amendments changed the age at which people may receive unreduced spouse benefits. Previously, unreduced benefits were payable in the month of attainment of age 65. Beginning with those born after January 1, 1938 unreduced spouse 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.

The first two charts show the percentage of the PIA the spouse would receive and may be used when the spouse is the only auxiliary. The third and fourth charts show the percentage of the benefit amount the spouse would receive. Use the third and fourth charts when other auxiliaries are involved and the spouse is not due the full original benefit.

For example, the first two show a 62-year-old spouse with a FRA of 65 would get 37.5% of the PIA. The latter charts show that same spouse would get 75% of their benefit amount.

NOTE: Spouse benefits on disability cases may be significantly lower than the amounts shown here.

## B. Charts

### 1. Estimated Spouse Benefits (As a Percentage of the PIA – No Other Auxiliaries) with Dates of Birth before 1/2/1955

• 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 PIA payable at that age. Other reductions and deductions may apply which may cause this amount to change.

 If DOB = Before 1/2/38 1/2/38 thru 1/1/39 1/2/39 thru 1/1/40 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 1/1/55 FRA = 65 65+2 65+4 65+6 65+8 65+10 66 If Benefits Start at: Age 62 37.5 37.1 36.7 36.3 35.8 35.4 35.0 62+1 37.8 37.3 36.9 36.5 36.0 35.6 35.2 62+2 38.2 37.5 37.1 36.7 36.3 35.8 35.4 62+3 38.5 37.8 37.3 36.9 36.5 36.0 35.6 62+4 38.9 38.2 37.5 37.1 36.7 36.3 35.8 62+5 39.2 38.5 37.8 37.3 36.9 36.5 36.0 62+6 39.6 38.9 38.2 37.5 37.1 36.7 36.3 62+7 39.9 39.2 38.5 37.8 37.3 36.9 36.5 62+8 40.3 39.6 38.9 38.2 37.5 37.1 36.7 62+9 40.6 39.9 39.2 38.5 37.8 37.3 36.9 62+10 41.0 40.3 39.6 38.9 38.2 37.5 37.1 62+11 41.3 40.6 39.9 39.2 38.5 37.8 37.3 Age 63 41.7 41.0 40.3 39.6 38.9 38.2 37.5 63+1 42.0 41.3 40.6 39.9 39.2 38.5 37.8 63+2 42.4 41.7 41.0 40.3 39.6 38.9 38.2 63+3 42.7 42.0 41.3 40.6 39.9 39.2 38.5 63+4 43.1 42.4 41.7 41.0 40.3 39.6 38.9 63+5 43.4 42.7 42.0 41.3 40.6 39.9 39.2 63+6 43.8 43.1 42.4 41.7 41.0 40.3 39.6 63+7 44.1 43.4 42.7 42.0 41.3 40.6 39.9 63+8 44.4 43.8 43.1 42.4 41.7 41.0 40.3 63+9 44.8 44.1 43.4 42.7 42.0 41.3 40.6 63+10 45.1 44.4 43.8 43.1 42.4 41.7 41.0 63+11 45.5 44.8 44.1 43.4 42.7 42.0 41.3 Age 64 45.8 45.1 44.4 43.8 43.1 42.4 41.7 64+1 46.2 45.5 44.8 44.1 43.4 42.7 42.0 64+2 46.5 45.8 45.1 44.4 43.8 43.1 42.4 64+3 46.9 46.2 45.5 44.8 44.1 43.4 42.7 64+4 47.2 46.5 45.8 45.1 44.4 43.8 43.1 64+5 47.6 46.9 46.2 45.5 44.8 44.1 43.4 64+6 47.9 47.2 46.5 45.8 45.1 44.4 43.8 64+7 48.3 47.6 46.9 46.2 45.5 44.8 44.1 64+8 48.6 47.9 47.2 46.5 45.8 45.1 44.4 64+9 49.0 48.3 47.6 46.9 46.2 45.5 44.8 64+10 49.3 48.6 47.9 47.2 46.5 45.8 45.1 64+11 49.7 49.0 48.3 47.6 46.9 46.2 45.5 Age 65 50.0 49.3 48.6 47.9 47.2 46.5 45.8 65+1 N/a 49.7 49.0 48.3 47.6 46.9 46.2 65+2 N/a 50.0 49.3 48.6 47.9 47.2 46.5 65+3 N/a n/a 49.7 49.0 48.3 47.6 46.9 65+4 N/a n/a 50.0 49.3 48.6 47.9 47.2 65+5 N/a n/a n/a 49.7 49.0 48.3 47.6 65+6 N/a n/a n/a 50.0 49.3 48.6 47.9 65+7 N/a n/a n/a n/a 49.7 49.0 48.3 65+8 n/a n/a n/a n/a 50.0 49.3 48.6 65+9 n/a n/a n/a n/a n/a 49.7 49.0 65+10 n/a n/a n/a n/a n/a 50.0 49.3 65+11 n/a n/a n/a n/a n/a n/a 49.7 Age 66 n/a n/a n/a n/a n/a n/a 50.0

### 2. Estimated Spouse Benefits (As a Percentage of the PIA – No Other Auxiliaries) with Dates of Birth after 1/1/1955

• 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 PIA payable at that age. Other reductions and deductions may apply which may cause this amount to change.

 If DOB = 1/2/55 Thru 1/1/56 1/2/56 thru 1/1/57 1/2/57 thru 1/1/58 1/2/58 thru 1/1/59 1/2/59 thru 1/1/60 after 1/1/60 FRA = 66+2 66+4 66+6 66+8 66+10 67 If Benefits Start at: Age 62 34.6 34.2 33.8 33.3 32.9 32.5 62+1 34.8 34.4 34.0 33.5 33.1 32.7 62+2 35.0 34.6 34.2 33.8 33.3 32.9 62+3 35.2 34.8 34.4 34.0 33.5 33.1 62+4 35.4 35.0 34.6 34.2 33.8 33.3 62+5 35.6 35.2 34.8 34.4 34.0 33.5 62+6 35.8 35.4 35.0 34.6 34.2 33.8 62+7 36.0 35.6 35.2 34.8 34.4 34.0 62+8 36.3 35.8 35.4 35.0 34.6 34.2 62+9 36.5 36.0 35.6 35.2 34.8 34.4 62+10 36.7 36.3 35.8 35.4 35.0 34.6 62+11 36.9 36.5 36.0 35.6 35.2 34.8 Age 63 37.1 36.7 36.3 35.8 35.4 35.0 63+1 37.3 36.9 36.5 36.0 35.6 35.2 63+2 37.5 37.1 36.7 36.3 35.8 35.4 63+3 37.8 37.3 36.9 36.5 36.0 35.6 63+4 38.2 37.5 37.1 36.7 36.3 35.8 63+5 38.5 37.8 37.3 36.9 36.5 36.0 63+6 38.9 38.2 37.5 37.1 36.7 36.3 63+7 39.2 38.5 37.8 37.3 36.9 36.5 63+8 39.6 38.9 38.2 37.5 37.1 36.7 63+9 39.9 39.2 38.5 37.8 37.3 36.9 63+10 40.3 39.6 38.9 38.2 37.5 37.1 63+11 40.6 39.9 39.2 38.5 37.8 37.3 Age 64 41.0 40.3 39.6 38.9 38.2 37.5 64+1 41.3 40.6 39.9 39.2 38.5 37.8 64+2 41.7 41.0 40.3 39.6 38.9 38.2 64+3 42.0 41.3 40.6 39.9 39.2 38.5 64+4 42.4 41.7 41.0 40.3 39.6 38.9 64+5 42.7 42.0 41.3 40.6 39.9 39.2 64+6 43.1 42.4 41.7 41..0 40.3 39.6 64+7 43.4 42.7 42.0 41.3 40.6 39.9 64+8 43.8 43.1 42.4 41.7 41.0 40.3 64+9 44.1 43.4 42.7 42.0 41.3 40.6 64+10 44.4 43.8 43.1 42.4 41.7 41.0 64+11 44.8 44.1 43.4 42.7 42.0 41.3 Age 65 45.1 44.4 43.8 43.1 42.4 41.7 65+1 45.5 44.8 44.1 43..4 42.7 42.0 65+2 45.8 45.1 44.4 43.8 43.1 42.4 65+3 46.2 45.5 44.8 44.1 43.4 42.7 65+4 46.5 45.8 45.1 44.4 43.8 43.1 65+5 46.9 46.2 45.5 44.8 44.1 43.4 65+6 47.2 46.5 45.8 45.1 44.4 43.8 65+7 47.6 46.9 46.2 45.5 44.8 44.1 65+8 47.9 47.2 46.5 45.8 45.1 44.4 65+9 48.3 47.6 46.9 46.2 45.5 44.8 65+10 48.6 47.9 47.2 46.5 45.8 45.1 65+11 49.0 48.3 47.6 46.9 46.2 45.5 Age 66 49.3 48.6 47.9 47.2 46.5 45.8 66+1 49.7 49.0 48.3 47.6 46.9 46.2 66+2 50.0 49.3 48.6 47.9 47.2 46.5 66+3 n/a 49.7 49.0 48.3 47.6 46.9 66+4 n/a 50.0 49.3 48.6 47.9 47.2 66+5 n/a n/a 49.7 49.0 48.3 47.6 66+6 n/a n/a 50.0 49.3 48.6 47.9 66+7 n/a n/a n/a 49.7 49.0 48.3 66+8 n/a n/a n/a 50.0 49.3 48.6 66+9 n/a n/a n/a n/a 49.7 49.0 66+10 n/a n/a n/a n/a 50.0 49.3 66+11 n/a n/a n/a n/a n/a 49.7 Age 67 n/a n/a n/a n/a n/a 50.0

### 3. Estimated Spouse Benefits (As a Percentage of the Benefit Amount – No Other Auxiliaries) with Dates of Birth before 1/2/1955

• 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 benefit payable at that age. Other reductions and deductions may apply which may cause this amount to change.

 If DOB = Before 1/2/38 1/2/38 Thru 1/1/39 1/2/39 thru 1/1/40 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 1/1/55 FRA = 65 65+2 65+4 65+6 65+8 65+10 66 If Benefits Start at: Age 62 75.0 74.2 73.3 72.5 71.7 70.8 70.0 62+1 75.7 74.6 73.8 72.9 72.1 71.3 70.4 62+2 76.4 75.0 74.2 73.3 72.5 71.7 70.8 62+3 77.1 75.7 74.6 73.8 72.9 72.1 71.3 62+4 77.8 76.4 75.0 74.2 73.3 72.5 71.7 62+5 78.5 77.1 75.7 74.6 73.8 72.9 72.1 62+6 79.2 77.8 76.4 75.0 74.2 73.3 72.5 62+7 79.9 78.5 77.1 75.7 74.6 73.8 72.9 62+8 80.6 79.2 77.8 76.4 75.0 74.2 73.3 62+9 81.3 79.9 78.5 77.1 75.7 74.6 73.8 62+10 81.9 80.6 79.2 77.8 76.4 75.0 74.2 62+11 82.6 81.3 79.9 78.5 77.1 75.7 74.6 Age 63 83.3 81.9 80.6 79.2 77.8 76.4 75.0 63+1 84.0 82.6 81.3 79.9 78.5 77.1 75.7 63+2 84.7 83.3 81.9 80.6 79.2 77.8 76.4 63+3 85.4 84.0 82.6 81.3 79.9 78.5 77.1 63+4 86.1 84.7 83.3 81.9 80.6 79.2 77.8 63+5 86.8 85.4 84.0 82.6 81.3 79.9 78.5 63+6 87.5 86.1 84.7 83.3 81.9 80.6 79.2 63+7 88.2 86.8 85.4 84.0 82.6 81.3 79.9 63+8 88.9 87.5 86.1 84.7 83.3 81.9 80.6 63+9 89.6 88.2 86.8 85.4 84.0 82.6 81.3 63+10 90.3 88.9 87.5 86.1 84.7 83.3 81.9 63+11 91.0 89.6 88.2 86.8 85.4 84.0 82.6 Age 64 91.7 90.3 88.9 87.5 86.1 84.7 83.3 64+1 92.4 91.0 89.6 88.2 86.8 85.4 84.0 64+2 93.1 91.7 90.3 88.9 87.5 86.1 84.7 64+3 93.8 92.4 91.0 89.6 88.2 86.8 85.4 64+4 94.4 93.1 91.7 90.3 88.9 87.5 86.1 64+5 95.1 93.8 92.4 91.0 89.6 88.2 86.8 64+6 95.8 94.4 93.1 91.7 90.3 88.9 87.5 64+7 96.5 95.1 93.8 92.4 91.0 89.6 88.2 64+8 97.2 95.8 94.4 93.1 91.7 90.3 88.9 64+9 97.9 96.5 95.1 93.8 92.4 91.0 89.6 64+10 98.6 97.2 95.8 94.4 93.1 91.7 90.3 64+11 99.3 97.9 96.5 95.1 93.8 92.4 91.0 Age 65 100.0 98.6 97.2 95.8 94.4 93.1 91.7 65+1 n/a 99.3 97.9 96.5 95.1 93.8 92.4 65+2 n/a 100.0 98.6 97.2 95.8 94.4 93.1 65+3 n/a n/a 99.3 97.9 96.5 95.1 93.8 65+4 n/a n/a 100.0 98.6 97.2 95.8 94.4 65+5 n/a n/a n/a 99.3 97.9 96.5 95.1 65+6 n/a n/a n/a 100.0 98.6 97.2 95.8 65+7 n/a n/a n/a n/a 99.3 97.9 96.5 65+8 n/a n/a n/a n/a 100.0 98.6 97.2 65+9 n/a n/a n/a n/a n/a 99.3 97.9 65+10 n/a n/a n/a n/a n/a 100.0 98.6 65+11 n/a n/a n/a n/a n/a n/a 99.3 Age 66 n/a n/a n/a n/a n/a n/a 100.0

### 4. Estimated Spouse Benefits (As a Percentage of the Benefit Amount – No Other Auxiliaries) with Dates of Birth after 1/1/1955

• 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 benefit payable at that age. Other reductions and deductions may apply which may cause this amount to change.

 If DOB = 1/2/55 Thru 1/1/56 1/2/56 Thru 1/1/57 1/2/57 thru 1/1/58 1/2/58 thru 1/1/59 1/2/59 thru 1/1/60 after 1/1/60 FRA = 66+2 66+4 66+6 66+8 66+10 67 If Benefits Start at: Age 62 69.2 68.3 67.5 66.7 65.8 65.0 62+1 69.6 68.8 67.9 67.1 66.3 65.4 62+2 70.0 69.2 68.3 67.5 66.7 65.8 62+3 70.4 69.6 68.8 67.9 67.1 66.3 62+4 70.8 70.0 69.2 68.3 67.5 66.7 62+5 71.3 70.4 69.6 68.8 67.9 67.1 62+6 71.7 70.8 70.0 69.2 68.3 67.5 62+7 72.1 71.3 70.4 69.6 68.8 67.9 62+8 72.5 71.7 70.8 70.0 69.2 68.3 62+9 72.9 72.1 71.3 70.4 69.6 68.8 62+10 73.3 72.5 71.7 70.8 70.0 69.2 62+11 73.8 72.9 72.1 71.3 70.4 69.6 Age 63 74.2 73.3 72.5 71.7 70.8 70.0 63+1 74.6 73.8 72.9 72.1 71.3 70.4 63+2 75.0 74.2 73.3 72.5 71.7 70.8 63+3 75.7 74.6 73.8 72.9 72.1 71.3 63+4 76.4 75.0 74.2 73.3 72.5 71.7 63+5 77.1 75.7 74.6 73.8 72.9 72.1 63+6 77.8 76.4 75.0 74.2 73.3 72.5 63+7 78.5 77.1 75.7 74.6 73.8 72.9 63+8 79.2 77.8 76.4 75.0 74.2 73.3 63+9 79.9 78.5 77.1 75.7 74.6 73.8 63+10 80.6 79.2 77.8 76.4 75.0 74.2 63+11 81.3 79.9 78.5 77.1 75.7 74.6 Age 64 81.9 80.6 79.2 77.8 76.4 75.0 64+1 82.6 81.3 79.9 78.5 77.1 75.7 64+2 83.3 81.9 80.6 79.2 77.8 76.4 64+3 84.0 82.6 81.3 79.9 78.5 77.1 64+4 84.7 83.3 81.9 80.6 79.2 77.8 64+5 85.4 84.0 82.6 81.3 79.9 78.5 64+6 86.1 84.7 83.3 81.9 80.6 79.2 64+7 86.8 85.4 84.0 82.6 81.3 79.9 64+8 87.5 86.1 84.7 83.3 81.9 80.6 64+9 88.2 86.8 85.4 84.0 82.6 81.3 64+10 88.9 87.5 86.1 84.7 83.3 81.9 64+11 89.6 88.2 86.8 85.4 84.0 82.6 Age 65 90.3 88.9 87.5 86.1 84.7 83.3 65+1 91.0 89.6 88.2 86.8 85.4 84.0 65+2 91.7 90.3 88.9 87.5 86.1 84.7 65+3 92.4 91.0 89.6 88.2 86.8 85.4 65+4 93.1 91.7 90.3 88.9 87.5 86.1 65+5 93.8 92.4 91.0 89.6 88.2 86.8 65+6 94.4 93.1 91.7 90.3 88.9 87.5 65+7 95.1 93.8 92.4 91.0 89.6 88.2 65+8 95.8 94.4 93.1 91.7 90.3 88.9 65+9 96.5 95.1 93.8 92.4 91.0 89.6 65+10 97.2 95.8 94.4 93.1 91.7 90.3 65+11 97.9 96.5 95.1 93.8 92.4 91.0 Age 66 98.6 97.2 95.8 94.4 93.1 91.7 66+1 99.3 97.9 96.5 95.1 93.8 92.4 66+2 100.0 98.6 97.2 95.8 94.4 93.1 66+3 n/a 99.3 97.9 96.5 95.1 93.8 66+4 n/a 100.0 98.6 97.2 95.8 94.4 66+5 n/a n/a 99.3 97.9 96.5 95.1 66+6 n/a n/a 100.0 98.6 97.2 95.8 66+7 n/a n/a n/a 99.3 97.9 96.5 66+8 n/a n/a n/a 100.0 98.6 97.2 66+9 n/a n/a n/a n/a 99.3 97.9 66+10 n/a n/a n/a n/a 100.0 98.6 66+11 n/a n/a n/a n/a n/a 99.3 Age 67 n/a n/a n/a n/a n/a 100.0

 To Link to this section - Use this URL: http://policy.ssa.gov/poms.nsf/lnx/0300615205 RS 00615.205 - Estimating Reduced Spouse Benefits - 12/14/2023 Batch run: 12/14/2023 Rev:12/14/2023