Toni, DOB 3/02/35, files for RIB benefits with an MOE of 3/97. They have earned 5
DRCs on their RIB record through 12/01. In 4/02 Toni’s spouse files for RIB and Toni
files for spouse’s benefits. Effective 4/02 Toni’s RIB PIA is $500.00 and their spouse’s
RIB PIA is $1600.00. To calculate Toni’s 04/02 rate, follow these steps.
Step 1. RIB MBA in 4/02 is $400.00 ($500 reduced for 36 RF)
Step 2. Unreduced spouse benefit is $800 ($1600/2)
Step 3. Excess spouse benefit is $300 ($800 - $500) - no age reduction applies.
Step 4. Total payment is $700.00 ($400.00 + $300.00)
Step 5. RIB with DRCs is $410.00 ($400 with 5 DRCs)
Step 6. Spouse payment is $290 ($700 - $410)
NOTE: The Interactive Computations Facility (ICF) may be used to complete these steps. For
Step 1 use program #1 on ICF to calculate the RIB. The program will provide the benefit
with and without DRCs. For Step 2 use program #5 to calculate the dual entitlement
rates. This program will not permit DRCs on the RIB benefit amount. For Step 3 subtract
the result from Step 1, (with the DRCs) from the ‘Total B benefit amount’ from Step 2. This is the excess payable
after DRCs are included on the RIB.