TN 24 (09-02)

# RS 00615.250 Entitled to Reduced Spouse's Benefit for Months Simultaneous With or After Entitlement to Reduced RIB (A then B or B with A)

## A. POLICY

When a person is entitled simultaneously to reduced RIB and a reduced spouse's benefit, first reduce the RIB PIA by the RIB reduction factor. Then subtract the RIB PIA from the unreduced spouse's benefit, and reduce the excess by the spouse's reduction factor. The reduced excess is the amount actually payable as a spouse. Add the reduced spouse's benefit to the reduced RIB to determine the full AB benefit.

There is no entitlement to a reduced wife's (husband's) benefit if the wife's (husband's) own PIA equals or exceeds one-half of the husband's (wife's) PIA.

## B. PROCEDURE

STEP

ACTION

1

Determine the RIB MBA.

2

Subtract the unreduced RIB PIA from the Unreduced spouse benefit. This is the excess spouse benefit.

3

Reduce excess spouse benefit by the spouse's reduction factor:

1. a.

If spouse RF is less than or equal to 36:

Excess spouse benefit multiplied by (144 minus RF) then divided by 144 equals the B excess

2. b.

If spouse RF is greater than 36:

Excess Spouse benefit multiplied by (180 minus ARM) then divided by 240 equals the B excess

(ARM = number of RF in excess of 36)

4

Add the reduced B excess to the RIB MBA.

5

At each COL increase the RIB and excess spouse's benefits are computed separately and added together to arrive at the full AB benefit.

 Unreduced B \$1000.00 unreduced A PIA -  400.00 ​ \$600.00 (unreduced B excess)

Apply the appropriate reduction factor to each unreduced benefit separately, then add the reduced B excess to the reduced RIB PIA .

 (reduced A PIA) RIB MBA \$\$380.00 (B excess reduced) +  540.00 ​ \$920.00 reduced AB benefit

## C. REFERENCE

See RS 00615.005F. for subsequent adjustments.

 To Link to this section - Use this URL: http://policy.ssa.gov/poms.nsf/lnx/0300615250 RS 00615.250 - Entitled to Reduced Spouse's Benefit for Months Simultaneous With or After Entitlement to Reduced RIB (A then B or B with A) - 12/08/2008 Batch run: 02/21/2013 Rev:12/08/2008