A number holder (NH) who is in freeze status or eligible for a freeze when they file
for DIB will usually have DIB insured status. However, the NH does not meet DIB insured
status if they meet the freeze insured status requirements only with the help of railroad
(RR) compensation or military service (MS) which is not creditable for monthly benefit
purposes. For Use of Earnings by RRB and SSA, see RS 01601.260 and for General Information on Crediting MS, see RS 01701.000.
Conversely, where the NH does not have freeze insured status, they will not have DIB
insured status.