The WIB is computed independently when entitlement to reduced DIB-WIB is preceded
by RIB. The RIB entitlement is controlling in determining the manner of reduction
applicable at the initial MOET to WIB and at full retirement age. This applies even
if the claimant is also entitled to DIB in the first month of WIB entitlement. The
following example shows a computation when the N/H is simultaneously entitled to DIB/WIB
after prior entitlement to RIB.
Example:
Jane Doe, DOB 03/04/1945 entitled to reduced RIB effective 07/2007.
DATE PIA RF MBA
07/07 1259.00 44 965.20
DIB entitlement effective 12/ 2007.
DATE PIA RF MBA
12/07 1287.90 5 1252.10
WIB entitlement effective 12/07 (preceded by reduced RIB).
DATE UNREDUCED WIB RF MBA
12/07 1743.00 39 $1473.90
Payable combined reduced HA-D effective 12/07 is:
1473.90 -- Reduced WIB
-1252.10 -- Reduced DIB
221.80 -- Difference payable as WIB
Subsequent increases in WIB continue to be calculated independently. If the DIB benefit
is higher than the WIB benefit, see RS 00615.350B.2 . See also RS 00615.020 and RS 00615.150 for simultaneous and dual entitlement policies.