TN 24 (09-02)
Compute the rates at 62 and FRA by removing crediting months.
Original reduction factor minus crediting months from MOET up to 62 = Age 62 adjusted reduction factor (ARF).
The unreduced widow(er)'s benefit adjusted by the Age 62 ARF = MBA at age 62.
Original reduction factor minus crediting months from MOET up to FRA = FRA adjusted reduction factor (ARF).
The unreduced widow(er)'s benefit adjusted by the FRA ARF = MBA at FRA.