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<title>Annual Statistical Supplement, 2023 - Appendix D: Computing a Retired-Worker Benefit</title>
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<h1>Appendix&nbsp;D: Computing a Retired-Worker Benefit</h1>
<h2>Overview</h2>
<p>This section provides instructions and a worksheet for computing a retired-worker benefit for persons born in the years 1945 through 1961&mdash;that is, those who attained age&nbsp;62 from 2007 through 2023. The worksheet assumes that the worker had no prior period of entitlement to disability benefits and did not work after becoming entitled to retired-worker benefits.</p>
<p>The worksheet describes the various steps used in computing a benefit. The steps are based on the following Social Security program goals:</p>
<ul>
<li><i>To provide a benefit based on lifetime earnings.</i> Benefits are related to the 35 highest earnings years (the number of computation years), but only for years after 1950. If there are fewer than 35&nbsp;years with earnings, then years of no earnings are included among the 35 computation years.</li>
<li><i>To index lifetime earnings.</i> Earnings used in the computation are not the actual covered earnings but an amount that reflects earnings increases in average wage levels for each year after the earnings were paid. This procedure is termed <i>wage indexing.</i> Currently, earnings are generally indexed to wage levels in the year the worker turns age&nbsp;60. For example, for a person attaining age&nbsp;62 in 2023, actual earnings in 1990 of $20,000 are indexed to $57,613.78, on the basis of 2021 wage levels. Earnings after age&nbsp;60 are included at their actual (nominal) value.</li>
<li><i>To replace a portion of the indexed earnings.</i> Indexed earnings are averaged over the number of computation years to calculate the average indexed monthly earnings (<abbr>AIME</abbr>). A benefit formula is applied to the <abbr>AIME</abbr> as the first step in computing the <i>primary insurance amount</i> (<abbr class="spell">PIA</abbr>), the amount payable to a worker who retires at the full retirement age (<abbr class="spell">FRA</abbr>). The benefit formula is weighted to provide a higher replacement of earnings for lower-wage workers. The formula for persons aged&nbsp;62 in 2023 is 90&nbsp;percent of the first $1,115 of <abbr>AIME</abbr>; plus 32&nbsp;percent of the next $5,606; plus 15&nbsp;percent of the <abbr>AIME</abbr> over $6,721.</li>
<li><i>To permit early retirement.</i> Persons can retire as early as age&nbsp;62, but the monthly benefit is reduced. This reduction applies to all future benefits. The reduction is calculated as <sup>5</sup>&frasl;<sub>9</sub> of 1&nbsp;percent for each month immediately preceding the <abbr class="spell">FRA</abbr>, up to 36&nbsp;months. If the number of months exceeds 36, then the benefit is further reduced <sup>5</sup>&frasl;<sub>12</sub> of 1&nbsp;percent per month. For a person aged&nbsp;62 in 2023, the maximum reduction is 30&nbsp;percent if the individual is entitled to benefits for all 60&nbsp;months between ages&nbsp;62 and&nbsp;67.</li>
<li><i>To provide for price indexing after age&nbsp;62.</i> Benefits are adjusted annually in December to reflect increases in the Consumer Price Index for Urban Wage Earners and Clerical Workers <span class="nobr">(<abbr class="spell">CPI</abbr>-W).</span> The benefit increase in 2022 was 8.7&nbsp;percent. These cost-of-living adjustments are applied to the benefit for each year after the person attained age&nbsp;62&mdash;even if the person was not actually receiving benefits.</li>
<li><i>To give credit for earnings after age&nbsp;61.</i> Earnings after age&nbsp;61 (which are not indexed) can be substituted for earnings in earlier years if they result in a higher benefit.</li>
<li><i>To give credit for late retirement.</i> Persons who initiate benefits after <abbr class="spell">FRA</abbr> may receive increased benefits as a result of the delayed retirement credit provision. The benefit is increased by a specified percentage for each month between <abbr class="spell">FRA</abbr> and age&nbsp;70 a benefit is deferred. See <a href="2a20-2a28.html#table2.a20">Table&nbsp;2.A20</a> for percentage increases.</li>
</ul>
<h2>Clarifying the Worksheet Procedure</h2>
<h3>Step&nbsp;1 - Wage Indexing of Earnings</h3>
<p>The following description and examples are provided for persons who wish to compute the index factors and indexed earnings. The indexing year is the year a person attains age&nbsp;60. Beneficiaries born on January&nbsp;1 are deemed to have attained age&nbsp;60 on December&nbsp;31 of the prior year.</p>
<p>The average wage for the indexing year is divided by the average wage in each prior year to obtain the factor for each prior year. For example, for a person attaining age&nbsp;62 in 2023, the indexing year is 2021. The average annual wage for 2021 was $60,575.07. The average annual wage for 1990 was $21,027.98. The amount $60,575.07 divided by $21,027.98 yields a factor of 2.8806890.</p>
<p>The worker's actual earnings covered under Social Security in that year, up to the maximum earnings creditable, are multiplied by the indexing factor to obtain the indexed earnings (see Worksheet&nbsp;1). For example, actual covered earnings of $10,000 in 1990, multiplied by 2.8806890, result in indexed earnings of $28,806.89; actual earnings of $51,300 (the maximum creditable) result in indexed earnings of $147,779.35.</p>
<h3>Step&nbsp;2 - Computing the Average Indexed Monthly Earnings (<abbr>AIME</abbr>)</h3>
<p>After the earnings in each year have been indexed, they are used in computing average indexed monthly earnings. The years of highest indexed earnings corresponding to the number of computation years are selected and totaled. This total is then divided by the number of months in the computation years. The result, rounded to the nearest lower dollar, is the average indexed monthly earnings.</p>
<p>For example, for a person attaining age&nbsp;62 in 2023, the highest 35&nbsp;years of indexed earnings are used. If the sum of these earnings equals $400,000, the <abbr>AIME</abbr> is $952 ($400,000 divided by 420&nbsp;months&nbsp;= $952.38, rounded to $952).</p>
<h3>Step&nbsp;3 - Computing the Primary Insurance Amount (<abbr class="spell">PIA</abbr>)</h3>
<p>The <abbr class="spell">PIA</abbr>, the amount from which all Social Security benefits payable on a worker's earnings record are based, is computed by applying (1)&nbsp;a formula to the <abbr>AIME</abbr> and (2)&nbsp;cost-of-living adjustments (<abbr>COLA</abbr>s) to the formula's result. Amounts are rounded to the nearest lower 10&nbsp;cents at each computation step.</p>
<p>The <abbr class="spell">PIA</abbr> formula consists of three <abbr>AIME</abbr> brackets, to each of which a given percentage applies. The dollar amounts defining the brackets are called <i>bend points,</i> and the bend points are different for each calendar year of attainment of age&nbsp;62. The percentages&mdash;90&nbsp;percent for the first bracket, 32&nbsp;percent for the second bracket, and 15&nbsp;percent for the third bracket&mdash;are consistent from year to year.</p>
<p>For retired workers who attained age&nbsp;62 in 2023, the bend points are $1,115 and $6,721. Thus the formula is 90&nbsp;percent of the first $1,115 of <abbr>AIME</abbr>; plus 32&nbsp;percent of the next $5,606 of <abbr>AIME</abbr>; plus 15&nbsp;percent of <abbr>AIME</abbr> above $6,721. The following examples illustrate the computations for workers with different <abbr>AIME</abbr> amounts.</p>
<p>Example&nbsp;1 - <abbr>AIME</abbr> of $700</p>
<p class="indent2">Result is $630</p>
<p class="indent2">Based on: 90&nbsp;percent of $700</p>
<p>Example&nbsp;2 - <abbr>AIME</abbr> of $3,000</p>
<p class="indent2">Result is $1,606.70, rounded to $1,606.70</p>
<p class="indent2">Based on: 90&nbsp;percent of $1,115 ($1,003.50); plus<br>&emsp;&emsp;&emsp;&emsp;&ensp;&nbsp;32&nbsp;percent of $1,885 ($603.20)</p>
<p>Example&nbsp;3 - <abbr>AIME</abbr> of $8,000</p>
<p class="indent2">Result is $2,989.27, rounded to $2,989.20</p>
<p class="indent2">Based on: 90&nbsp;percent of $1,115 ($1,003.50); plus<br>&emsp;&emsp;&emsp;&emsp;&ensp;&nbsp;32&nbsp;percent of $5,606 ($1,793.92); plus<br>&emsp;&emsp;&emsp;&emsp;&ensp;&nbsp;15&nbsp;percent of $1,279 ($191.85)</p>
<p>The above calculations are applicable to workers who attain age&nbsp;62 in 2023. For workers who attained age&nbsp;62 in prior years, the bend points are different, and the result of the computation must be increased to reflect <abbr>COLA</abbr>s between the year of attainment of age&nbsp;62 and 2023. Worksheet&nbsp;2 shows bend points and <abbr>COLA</abbr> factors for 2008 through 2023. </p>
<p>For example, a worker who attained age&nbsp;62 in 2020 would receive <abbr>COLA</abbr>s for the years <span class="nobr">2020&ndash;2022.</span> The adjustments are cumulative, with each step rounded to the next lower dime. Continuing from Example&nbsp;2 above, the <abbr>COLA</abbr> computations would be:</p>
<p class="indent2">2020: $1,606.70 multiplied by 1.013&nbsp;= $1,627.59, rounded to $1,627.50</p>
<p class="indent2">2021: $1,627.50 multiplied by 1.059&nbsp;= $1,723.52, rounded to $1,723.50</p>
<p class="indent2">2022: $1,723.50 multiplied by 1.087&nbsp;= $1,873.44, rounded to $1,873.40</p>
<p class="indent2">$1,873.40 would be the <abbr class="spell">PIA</abbr> effective December&nbsp;2022.</p>
<h3>Step&nbsp;4 - Computation of the Monthly Benefit</h3>
<p>The <abbr class="spell">PIA</abbr> is payable to a worker who claims at the full retirement age (<abbr class="spell">FRA</abbr>). In 2000, workers reaching age&nbsp;62 were the first to be affected by incremental increases in the <abbr class="spell">FRA</abbr>&mdash;from age&nbsp;65 for workers born before 1938 to age&nbsp;67 for workers born 1960 and later. </p>
<h4>Early retirement reduces benefits:</h4>
<p>Workers can retire as early as age&nbsp;62, but the monthly benefit is reduced. The reduction is calculated as <sup>5</sup>&frasl;<sub>9</sub> of 1&nbsp;percent for each month immediately preceding the <abbr class="spell">FRA</abbr>, up to 36&nbsp;months. If the number of months exceeds 36, then the benefit is further reduced <sup>5</sup>&frasl;<sub>12</sub> of 1&nbsp;percent per month. Workers attaining age&nbsp;62 in 2023 have their benefits computed based on the <abbr class="spell">FRA</abbr> of 67. See <a href="2a8-2a19.html#table2.a17.1">Table&nbsp;2.A17.1</a> to determine the <abbr class="spell">FRA</abbr> based on the year of birth as well as the benefit reduction factors. For individuals electing benefits at age&nbsp;62 in 2023, the maximum reduction is 30&nbsp;percent.</p>
<p>For example, in 2023 a worker with a <abbr class="spell">PIA</abbr> of $1,606.70 would receive $1,124 at age&nbsp;62. The <abbr class="spell">PIA</abbr> is reduced by $482.01, reflecting a reduction rate of <sup>5</sup>&frasl;<sub>9</sub> of 1&nbsp;percent for each of the first 36&nbsp;months and a reduction rate of <sup>5</sup>&frasl;<sub>12</sub> of 1&nbsp;percent for each of the additional 24&nbsp;months for a total reduction of 30&nbsp;percent. After reducing the <abbr class="spell">PIA</abbr> by $482.01, the result ($1,124.69) is rounded to the next lower dollar. This is the monthly benefit amount.</p>
<h4>Delayed retirement increases benefits: </h4>
<p>Delayed retirement increases the benefit amount (by a certain percentage depending on a person's date of birth) if the worker delays retirement beyond <abbr class="spell">FRA</abbr>. Benefit increases stop accumulating when the worker reaches age&nbsp;70, even if he or she continues to delay taking benefits. Delayed-retirement increases begin to apply to benefits in January of the year following the year the worker reaches <abbr class="spell">FRA</abbr>. The credit given for delayed retirement is 8&nbsp;percent per year (<sup>16</sup>&frasl;<sub>24</sub> of 1&nbsp;percent monthly) for those born 1943 and later. See <a href="2a20-2a28.html#table2.a20">Table&nbsp;2.A20</a> for percentage increases. </p>
<p>For example, a worker born in April&nbsp;1956 reached <abbr class="spell">FRA</abbr> in August&nbsp;2022. If the worker delayed receiving benefits until January&nbsp;2023 (5&nbsp;months after <abbr class="spell">FRA</abbr>), his or her benefit is 103.333% of the <abbr class="spell">PIA</abbr>. If the worker's <abbr class="spell">PIA</abbr> is $1,553.90, the credit for delayed claiming brings that amount to $1,605.69. That amount, rounded to the nearest lower dollar ($1,605), is the monthly benefit amount.</p>
<h4>Deductions and other adjustments:</h4>
<p>Depending on an individual's circumstances, the monthly benefit amount that results from these computations may be subject to adjustments. For details, see <a href="https://secure.ssa.gov/poms.nsf/lnx/0300601020">https://secure.ssa.gov/poms.nsf/lnx/0300601020</a>.</p>
<div class="table">
<table class="textTable apnd">
<caption>Instructions for computing a retired-worker benefit (only for workers attaining age&nbsp;62 in years <span class="nobr">2008&ndash;2023)</span></caption>
<colgroup span="1" style="width:4em"></colgroup>
<colgroup span="1" style="width:50em"></colgroup>
<colgroup span="1" style="width:7em"></colgroup>
<tbody>
<tr class="shaded">
<td colspan="3"><b>STEP&nbsp;1.&mdash;Indexing of Earnings (Use Worksheet&nbsp;1 for Steps&nbsp;1 and 2.)</b></td>
</tr>
<tr>
<td class="center">1</td>
<td>Enter in column&nbsp;2 your earnings in each year 1951 through 2022. If none, enter &ldquo;0.&rdquo;</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">2</td>
<td>Column&nbsp;3 contains the maximum earnings creditable under Social Security for each year.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">3</td>
<td>Enter in column&nbsp;4 the lower amount from columns&nbsp;2 or 3 for each year.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">4</td>
<td>Enter in column&nbsp;5 the indexing factors applicable to the year you attained age&nbsp;62 from <a href="2a8-2a19.html#table2.a8">Table&nbsp;2.A8</a>. <br>(This table contains the indexing factors for persons attaining age&nbsp;62 during the period <span class="nobr">2008&ndash;2023.)</span></td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">5</td>
<td>Multiply column&nbsp;4 by column&nbsp;5 and enter results in column&nbsp;6 in&nbsp;dollars and cents. These are your indexed earnings.</td>
<td>&nbsp;</td>
</tr>
<tr class="shaded">
<td colspan="3"><b>STEP&nbsp;2.&mdash;Computing the Average Indexed Monthly Earnings (<abbr>AIME</abbr>)</b></td>
</tr>
<tr>
<td class="center">6</td>
<td>Place an &ldquo;X&rdquo; in column&nbsp;7 next to each of the 35 highest indexed earnings entries.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">7</td>
<td>Add all individual indexed earnings marked with an &ldquo;X.&rdquo;</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">8</td>
<td>Number of months in the computation period (35&nbsp;&times;&nbsp;12).</td>
<td class="align-right">420</td>
</tr>
<tr>
<td class="center">9</td>
<td>Divide line&nbsp;7 by line&nbsp;8.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">10</td>
<td>Round the result in line&nbsp;9 to the next lower dollar. This is your average indexed monthly earnings (<abbr>AIME</abbr>).</td>
<td>&nbsp;</td>
</tr>
<tr class="shaded">
<td colspan="3"><b>STEP&nbsp;3.&mdash;Computing the Primary Insurance Amount (<abbr class="spell">PIA</abbr>) (Use Worksheet&nbsp;2 for Step&nbsp;3.)</b></td>
</tr>
<tr>
<td class="center">11</td>
<td>Enter first bend point from Worksheet&nbsp;2 based on year of attainment of age&nbsp;62. (If your birthday is January&nbsp;1, enter prior year.)</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">12</td>
<td>Enter second bend point from Worksheet&nbsp;2.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">13</td>
<td>If your <abbr>AIME</abbr> (obtained in line&nbsp;10) is equal to or less than line&nbsp;11, complete line&nbsp;14, otherwise skip to line&nbsp;15.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">14</td>
<td>Multiply line&nbsp;10 by 0.9. (If you receive a pension on the basis of noncovered employment, see <a href="2a8-2a19.html#table2.a11.1">Table&nbsp;2.A11.1</a>.) Round to next lower dime and enter the result. Continue with line&nbsp;24.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">15</td>
<td>If your <abbr>AIME</abbr> (obtained in line&nbsp;10) is greater than line&nbsp;11 but less than or equal to line&nbsp;12, complete lines&nbsp;<span class="nobr">16&ndash;18,</span> otherwise skip to line&nbsp;19.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">16</td>
<td>Multiply line&nbsp;11 by 0.9. (If you receive a pension on the basis of noncovered employment, see <a href="2a8-2a19.html#table2.a11.1">Table&nbsp;2.A11.1</a>.)</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">17</td>
<td>Subtract line&nbsp;11 from line&nbsp;10 then multiply by 0.32.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">18</td>
<td>Add line&nbsp;16 to line&nbsp;17, and round to next lower dime and enter the result. Continue with line&nbsp;24.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">19</td>
<td>If your <abbr>AIME</abbr> (obtained in line&nbsp;10) is greater than line&nbsp;12, complete lines&nbsp;<span class="nobr">20&ndash;23.</span></td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">20</td>
<td>Multiply line&nbsp;11 by 0.9. (If you receive a pension on the basis of noncovered employment, see <a href="2a8-2a19.html#table2.a11.1">Table&nbsp;2.A11.1</a>.)</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">21</td>
<td>Subtract line&nbsp;11 from line&nbsp;12 then multiply by 0.32.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">22</td>
<td>Subtract line&nbsp;12 from line&nbsp;10 then multiply by 0.15.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">23</td>
<td>Add lines&nbsp;20, 21, and 22, and round to the next lower dime and enter the result. Continue with line&nbsp;24.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">24</td>
<td>If you attained age&nbsp;62 in 2023, skip to line&nbsp;30. Otherwise you will need to adjust your computation to reflect cost-of-living adjustments (<abbr>COLA</abbr>s) from the year you attained age&nbsp;62 through 2022 by using lines&nbsp;<span class="nobr">25&ndash;29</span> and Worksheet&nbsp;2.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">25</td>
<td>Enter year of attainment of age&nbsp;62.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">26</td>
<td>Place an &ldquo;X&rdquo; corresponding to the year you attained age&nbsp;62 in column&nbsp;5 (Worksheet&nbsp;2).</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">27</td>
<td>Place an &ldquo;X&rdquo; in column&nbsp;5 (Worksheet&nbsp;2) next to each subsequent year through 2022.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">28</td>
<td>Enter your result from either line&nbsp;14, 18, or 23&mdash;here and in the first row of column&nbsp;6 (Worksheet&nbsp;2).</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">29</td>
<td>Beginning with first year marked in Worksheet&nbsp;2, multiply your benefit formula result (from line&nbsp;28 above) by the corresponding factor (column&nbsp;4), round to the next lower dime, and enter in column&nbsp;6. The resulting amount is then multiplied by the next factor and is again rounded to the next lower dime. Continue this process through 2022. Enter this last figure, which is your <abbr class="spell">PIA</abbr> effective December&nbsp;2022.</td>
<td>&nbsp;</td>
</tr>
<tr class="shaded">
<td colspan="3"><b>STEP&nbsp;4.&mdash;Computing the Monthly Benefit</b></td>
</tr>
<tr>
<td class="center">30</td>
<td>Enter the <abbr class="spell">PIA</abbr> from either line&nbsp;14, 18, 23, or 29.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">31</td>
<td>Using <a href="2a8-2a19.html#table2.a17.1">Table&nbsp;2.A17.1</a>, determine your full retirement age and enter here.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">32</td>
<td>If you retired at your full retirement age, round the <abbr class="spell">PIA</abbr> from line&nbsp;30 to the next lower dollar to obtain your monthly benefit. If you retired before the full retirement age, skip to line&nbsp;33. If you retired after the full retirement age, skip to line&nbsp;43.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">33</td>
<td>If you retired before the full retirement age, enter your age at retirement in years and months, and complete lines&nbsp;<span class="nobr">34&ndash;42.</span></td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">34</td>
<td>Subtract line&nbsp;33 from line&nbsp;31, and convert the result to months to determine the total number of reduction months.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">35</td>
<td>If line&nbsp;34 is greater than 36 reduction months, subtract 36&nbsp;months and enter the result here.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">36</td>
<td>&ldquo;0.0055556&rdquo; (the decimal equivalent of <sup>5</sup>&frasl;<sub>9</sub> of 1&nbsp;percent&mdash;the monthly reduction factor for the first 36&nbsp;months) has been entered.</td>
<td class="align-right">0.0055556</td>
</tr>
<tr>
<td class="center">37</td>
<td>&ldquo;0.0041667&rdquo; (the decimal equivalent of <sup>5</sup>&frasl;<sub>12</sub> of 1&nbsp;percent&mdash;the monthly reduction factor for months above 36) has been entered.</td>
<td class="align-right">0.0041667</td>
</tr>
<tr>
<td class="center">38</td>
<td>Multiply line&nbsp;34 (but not more than 36&nbsp;months) by line&nbsp;36 to obtain the percent reduction for the first 36&nbsp;months.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">39</td>
<td>Multiply line&nbsp;35 by line&nbsp;37 to obtain the percent reduction for months in excess of 36.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">40</td>
<td>Add line&nbsp;38 to line&nbsp;39 to obtain the total percent reduction.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">41</td>
<td>Multiply line&nbsp;30 by line&nbsp;40 to obtain the amount of benefit reduction.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">42</td>
<td>Subtract line&nbsp;41 from line&nbsp;30, and round to the next lower dollar to obtain your monthly benefit.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">43</td>
<td>If you retired (or plan to retire) after the full retirement age, enter your actual (or planned) age at retirement in years and months, and complete lines&nbsp;<span class="nobr">44&ndash;48.</span> If you worked (or plan to work) after attaining age&nbsp;70, enter &ldquo;70&nbsp;years 0&nbsp;months.&rdquo;</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">44</td>
<td>Subtract line&nbsp;31 from line&nbsp;43, and convert the result to months to determine the total number of delayed months.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">45</td>
<td>&ldquo;0.006667&rdquo; (the decimal equivalent of <sup>16</sup>&frasl;<sub>24</sub> of 1&nbsp;percent&mdash;the monthly percentage increase for persons born 1943 or later) has been entered.</td>
<td class="align-right">0.006667</td>
</tr>
<tr>
<td class="center">46</td>
<td>Multiply line&nbsp;44 by line&nbsp;45 to obtain the total percent increase.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">47</td>
<td>Multiply line&nbsp;30 by line&nbsp;46 to obtain the amount of benefit increase.</td>
<td>&nbsp;</td>
</tr>
<tr>
<td class="center">48</td>
<td>Add line&nbsp;30 to line&nbsp;47, and round to the next lower dollar to obtain your monthly benefit.</td>
<td>&nbsp;</td>
</tr>
</tbody>
<tfoot>
<tr>
<td class="onlyNote no-border" colspan="3">NOTE: The final benefit amount may be adjusted to account for Medicare premium deductions and other factors that apply case by case.</td>
</tr>
</tfoot>
</table>
</div>
<div class="table">
<table class="apnd">
<caption>Worksheet&nbsp;1: Indexing of earnings</caption>
<colgroup span="1" style="width:13em"></colgroup>
<colgroup span="6" style="width:12em"></colgroup>
<thead>
<tr>
<th class="stubHeading" scope="col">Year</th>
<th scope="col">Your earnings</th>
<th scope="col">Maximum taxable earnings&nbsp;($)</th>
<th scope="col">Lower of columns&nbsp;2 or 3</th>
<th scope="col">Indexing factor</th>
<th scope="col">Column&nbsp;4&nbsp;times column&nbsp;5</th>
<th scope="col">Highest indexed earnings</th>
</tr>
<tr class="shaded">
<td class="center">1</td>
<td class="center">2</td>
<td class="center">3</td>
<td class="center">4</td>
<td class="center">5</td>
<td class="center">6</td>
<td class="center">7</td>
</tr>
</thead>
<tbody>
<tr>
<th class="stub0" scope="row">1951</th>
<td>&nbsp;</td>
<td>3,600</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1952</th>
<td>&nbsp;</td>
<td>3,600</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1953</th>
<td>&nbsp;</td>
<td>3,600</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1954</th>
<td>&nbsp;</td>
<td>3,600</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1955</th>
<td>&nbsp;</td>
<td>4,200</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1956</th>
<td>&nbsp;</td>
<td>4,200</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1957</th>
<td>&nbsp;</td>
<td>4,200</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1958</th>
<td>&nbsp;</td>
<td>4,200</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1959</th>
<td>&nbsp;</td>
<td>4,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1960</th>
<td>&nbsp;</td>
<td>4,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1961</th>
<td>&nbsp;</td>
<td>4,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1962</th>
<td>&nbsp;</td>
<td>4,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1963</th>
<td>&nbsp;</td>
<td>4,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1964</th>
<td>&nbsp;</td>
<td>4,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1965</th>
<td>&nbsp;</td>
<td>4,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1966</th>
<td>&nbsp;</td>
<td>6,600</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1967</th>
<td>&nbsp;</td>
<td>6,600</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1968</th>
<td>&nbsp;</td>
<td>7,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1969</th>
<td>&nbsp;</td>
<td>7,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1970</th>
<td>&nbsp;</td>
<td>7,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1971</th>
<td>&nbsp;</td>
<td>7,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1972</th>
<td>&nbsp;</td>
<td>9,000</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1973</th>
<td>&nbsp;</td>
<td>10,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1974</th>
<td>&nbsp;</td>
<td>13,200</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1975</th>
<td>&nbsp;</td>
<td>14,100</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1976</th>
<td>&nbsp;</td>
<td>15,300</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1977</th>
<td>&nbsp;</td>
<td>16,500</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1978</th>
<td>&nbsp;</td>
<td>17,700</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1979</th>
<td>&nbsp;</td>
<td>22,900</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1980</th>
<td>&nbsp;</td>
<td>25,900</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1981</th>
<td>&nbsp;</td>
<td>29,700</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1982</th>
<td>&nbsp;</td>
<td>32,400</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1983</th>
<td>&nbsp;</td>
<td>35,700</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1984</th>
<td>&nbsp;</td>
<td>37,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1985</th>
<td>&nbsp;</td>
<td>39,600</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1986</th>
<td>&nbsp;</td>
<td>42,000</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1987</th>
<td>&nbsp;</td>
<td>43,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1988</th>
<td>&nbsp;</td>
<td>45,000</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1989</th>
<td>&nbsp;</td>
<td>48,000</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1990</th>
<td>&nbsp;</td>
<td>51,300</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1991</th>
<td>&nbsp;</td>
<td>53,400</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1992</th>
<td>&nbsp;</td>
<td>55,500</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1993</th>
<td>&nbsp;</td>
<td>57,600</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1994</th>
<td>&nbsp;</td>
<td>60,600</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1995</th>
<td>&nbsp;</td>
<td>61,200</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1996</th>
<td>&nbsp;</td>
<td>62,700</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1997</th>
<td>&nbsp;</td>
<td>65,400</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1998</th>
<td>&nbsp;</td>
<td>68,400</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">1999</th>
<td>&nbsp;</td>
<td>72,600</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2000</th>
<td>&nbsp;</td>
<td>76,200</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2001</th>
<td>&nbsp;</td>
<td>80,400</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2002</th>
<td>&nbsp;</td>
<td>84,900</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2003</th>
<td>&nbsp;</td>
<td>87,000</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2004</th>
<td>&nbsp;</td>
<td>87,900</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2005</th>
<td>&nbsp;</td>
<td>90,000</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2006</th>
<td>&nbsp;</td>
<td>94,200</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2007</th>
<td>&nbsp;</td>
<td>97,500</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2008</th>
<td>&nbsp;</td>
<td>102,000</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2009</th>
<td>&nbsp;</td>
<td>106,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2010</th>
<td>&nbsp;</td>
<td>106,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2011</th>
<td>&nbsp;</td>
<td>106,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2012</th>
<td>&nbsp;</td>
<td>110,100</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2013</th>
<td>&nbsp;</td>
<td>113,700</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2014</th>
<td>&nbsp;</td>
<td>117,000</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2015</th>
<td>&nbsp;</td>
<td>118,500</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2016</th>
<td>&nbsp;</td>
<td>118,500</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2017</th>
<td>&nbsp;</td>
<td>127,200</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2018</th>
<td>&nbsp;</td>
<td>128,400</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2019</th>
<td>&nbsp;</td>
<td>132,900</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2020</th>
<td>&nbsp;</td>
<td>137,700</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2021</th>
<td>&nbsp;</td>
<td>142,800</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2022</th>
<td>&nbsp;</td>
<td>147,000</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
</tbody>
</table>
</div>
<div class="table">
<table class="apnd">
<caption>Worksheet&nbsp;2: Computing the primary insurance amount (<abbr class="spell">PIA</abbr>) for workers retiring after age&nbsp;62</caption>
<colgroup span="1" style="width:4em"></colgroup>
<colgroup span="6" style="width:7em"></colgroup>
<thead>
<tr>
<th rowspan="2" class="stubHeading" scope="col">Year</th>
<th scope="col">1st bend <br>point&nbsp;($)</th>
<th scope="col">2nd bend <br>point&nbsp;($)</th>
<th scope="col">Cost-of-living increase&nbsp;(%)</th>
<th scope="col">Cost-of-living factor</th>
<th scope="col">Years aged&nbsp;62 or&nbsp;older</th>
<th scope="col">Incremental <abbr>COLA</abbr> computation&nbsp;($)</th>
</tr>
<tr class="shaded">
<td class="center">1</td>
<td class="center">2</td>
<td class="center">3</td>
<td class="center">4</td>
<td class="center">5</td>
<td class="center">6</td>
</tr>
</thead>
<tbody>
<tr>
<td class="no-border">&nbsp;</td>
<td class="no-border">&nbsp;</td>
<td class="no-border">&nbsp;</td>
<td class="no-border">&nbsp;</td>
<td colspan="2" class="no-border"><i><b>Benefit formula result <br>(line&nbsp;28 of instructions):</b></i></td>
<td class="no-border shaded">&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2008</th>
<td>711</td>
<td>4,288</td>
<td>5.8</td>
<td>1.058</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2009</th>
<td>744</td>
<td>4,483</td>
<td>0.0</td>
<td>1.000</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2010</th>
<td>761</td>
<td>4,586</td>
<td>0.0</td>
<td>1.000</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2011</th>
<td>749</td>
<td>4,517</td>
<td>3.6</td>
<td>1.036</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2012</th>
<td>767</td>
<td>4,624</td>
<td>1.7</td>
<td>1.017</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2013</th>
<td>791</td>
<td>4,768</td>
<td>1.5</td>
<td>1.015</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2014</th>
<td>816</td>
<td>4,917</td>
<td>1.7</td>
<td>1.017</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2015</th>
<td>826</td>
<td>4,980</td>
<td>0.0</td>
<td>1.000</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2016</th>
<td>856</td>
<td>5,157</td>
<td>0.3</td>
<td>1.003</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2017</th>
<td>885</td>
<td>5,336</td>
<td>2.0</td>
<td>1.020</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2018</th>
<td>895</td>
<td>5,397</td>
<td>2.8</td>
<td>1.028</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2019</th>
<td>926</td>
<td>5,583</td>
<td>1.6</td>
<td>1.016</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2020</th>
<td>960</td>
<td>5,785</td>
<td>1.3</td>
<td>1.013</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2021</th>
<td>996</td>
<td>6,002</td>
<td>5.9</td>
<td>1.059</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2022</th>
<td>1,024</td>
<td>6,172</td>
<td>8.7</td>
<td>1.087</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<th class="stub0" scope="row">2023</th>
<td>1,115</td>
<td>6,721</td>
<td>.&nbsp;.&nbsp;.</td>
<td>.&nbsp;.&nbsp;.</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
</tbody>
<tfoot>
<tr>
<td class="firstNote no-border" colspan="7">NOTE: .&nbsp;.&nbsp;.&nbsp;= not applicable.</td>
</tr>
<tr>
<td class="lastNote no-border" colspan="7">CONTACT: <a href="mailto:statistics@ssa.gov">statistics@ssa.gov</a>.</td>
</tr>
</tfoot>
</table>
</div>
</div>
</article>
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