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Contents of Appendices Appendix - 1 List of Secondary Proof of Age Appendix - 2 Chart 1: Earnings Required for a Chart 2: Quarters Required for Chart 3: Disability Insured Status
Appendix - 3 List of FICA Yearly Maximums Maximum Earnings Subject to Social
Appendix - 4 Sample Benefit Amounts
Appendix - 5 Reduction Factors Chart 1: Retirement Benefits Chart 2: Wife/Husbands Benefits Chart 3: Widow(er)s Benefits
Appendix - 6 Cost of Living Increases
Appendix - 7 Earnings Limits by Year (including
Appendix - 8 List of Beneficiary Identification
Appendix - 9 Chart Summarizing the Effect of
Appendix - 10 Delayed Retirement Credits
Appendix - 11 Medicare Premiums and Deductibles
List of Secondary Proof of Age (see Section 410) If no birth certificate or baptismal certificate recorded before age 5 is available, Social Security requires you to submit other documents to prove your age. This appendix is divided into 2 sections - First Priority Convincing Records and Second Priority Convincing Records. I - First Priority Convincing Records If you submit one document from the list and the date of birth on that document agrees with the date of birth you gave Social Security when you applied for your Social Security Number, no other proof of age is necessary. I-1. Family Bible or other family record recorded before age 36. I-2. School or School Census records recorded before age 21. I-3. 1910, 1920, or 1930 Federal Census record. I-4. Domestic or Canadian delayed birth record established before age 55. I-5. State census records for 1905 or 1915. I-6. Insurance Policies taken out before age 21. I-7. Immigration and Naturalization Service (INS) arrival records recorded before age 31. I-8. Religious records recorded before age 18. I-9. Newspaper birth announcements. II - Second Priority Convincing Records If no First Priority Convincing Record (above) is available (as well as no birth or baptismal record recorded before age 5) and you submit one document from this list, if the date of birth on that document agrees with the date of birth you gave Social Security when you applied for your Social Security Number, no other proof of age is necessary. II-1.School records recorded after age 20 and before age 55. II-2.Baptismal record recorded after age 17 and before age 55. II-3.1925 State census records. II-4.Domestic or Canadian delayed birth record established after age 54 - if the delayed birth record shows the basis for the date of birth. II-5.Birth records for your children recorded before you were age 31. II-6.Marriage records recorded before age 36. II-7.Citizenship data recorded before age 26. II-8.World War II draft and discharge records recorded before age 31. II-9.Employment records established before age 21. II-10. Voting records established before age 56. II-11. Other records recorded before age 21. Go to Contents
Chart 1: Earnings Required for a Quarter of Year Amount Pre-1978 $ 50 1978 250 1979 260 1980 290 1981 310 1982 340 1983 370 1984 390 1985 410 1986 440 1987 460 1988 470 1989 500 1990 520 1991 540 1992 570 1993 590 1994 620 1995 630 1996 640 1997 670 1998 700 1999 740 2000 780 2001 830 2002 970 2003 890 2004 900 2005 920 2006 970 2007 1,000 2008 1,050 2009 1,090 2010 1,120 Chart 2: Quarters Required For Disability or Survivor Benefits for People Born in 1930 or Later Age of Onset of Minimum Number of Disability or Death Quarters of Coverage Required 28 and younger 6 29 7 30 8 31 9 32 10 33 11 34 12 35 13 36 14 37 15 38 16 39 17 40 18 41 19 42 20 43 21 44 22 45 23 46 24 47 25 48 26 49 27 50 28 51 29 52 30 53 31 54 32 55 33 56 34 57 35 58 36 59 37 60 38 61 39 62 and older 40 Chart 3: Disability Insured Status (see Section 604) Note: This chart shows the minimum number of quarters of coverage required in the calendar quarters immediately preceding onset of disability. For example, 15/30 means that 15 quarters of coverage are needed in the 30 calendar quarters (7-1/2 years) before onset of disability. 20/40 means that 20 quarters of coverage are needed in the 40 calendar quarters (10 years before onset of disability).
Age at Onset Minimum Number of of Disability Quarters of Coverage Required/Calendar Quarters Before Disability
24 and younger 6/12 24-1/2 7/14 25 8/16 25-1/2 9/18 26 10/20 26-1/2 11/22 27 12/24 27-1/2 13/26 28 14/28 28-1/2 15/30 29 16/32 29-1/2 17/34 30 18/36 30-1/2 19/38 31 20/40 Go to Contents
Appendix 3 -FICA Yearly Maximums (Maximum Earnings Subject to Social Security Tax) Year Earnings
1937-1950 $3,000 1951-1954 3,600 1955-1958 4,200 1959-1965 4,800 1966-1967 6,600 1968-1971 7,800 1972 9,000 1973 10,800 1974 13,200 1975 14,100 1976 15,300 1977 16,500 1978 17,700 1979 22,900 1980 25,900 1981 29,700 1982 32,400 1983 35,700 1984 37,800 1985 39,600 1986 42,000 1987 43,800 1988 45,000 1989 48,000 1990 51,300 1991 53,400 1992 55,500 1993 57,600 1994 60,600 1995 61,200 1996 62,700 1997 65,400 1998 68,400 1999 72,600 2000 76,200 2001 80,400 2002 84,900 2003 87,000 2004 87,900 2005 90,000 2006 94,200 2007 97,500 2008 102,000 2009 106,800 2010 106,800
Appendix 4 Maximum Benefit Amounts Source: Social Security Administration Office of the Chief Actuaryhttp://www.socialsecurity.gov/OACT/COLA/examplemax.html
Appendix 5 - Reduction Factors The full retirement age (i.e., the age at which one may receive an unreduced retirement, spouse’s, or widow’s benefit) has been increased effective with those born in 1938 and later (1940 for widows) on a gradually increasing basis. Therefore, additional reduction months are applied to those turning 62 (60 for widows) in 2000. For retirement benefits , the reduction factor for the first 36 reduction months is 5/9 of 1%; for reduction months in excess of 36 , the factor is 5/12 of 1 percent for each extra month. The Reduction factors listed below are rounded to the third decimal point. Chart 1: Retirement Benefits Reduction Reduction Reduction Reduction Reduction Reduction Months Factor Months Factor Months Factor 1 .994 2 .988 3 .983 4 .977 5 .972 6 .966 7 .961 8 .955 9 .950 10 .944 11 .938 12 .933 13 .927 14 .922 15 .916 16 .911 17 .905 18 .900 19 .894 20 .888 21 .883 22 .877 23 .872 24 .866 25 .861 27 .850 28 .844 29 .838 30 .833 31 .827 32 .822 33 .816 34 .811 35 .805 36 .800 37 .796 38 .791 39 .788 40 .783 41 .779 42 .775 43 .770 44 .767 45 .763 46 .758 47 .754 48 .750 49 .746 50 .742 51 .736 52 .733 53 .729 54 .725 55 .720 56 .717 57 .713 58 .708 59 .704 60 .700 Chart 2: Spouse’s Benefits For Spouse's benefits, the reduction factor for the first 36 reduction months is 25/36 of 1%; for reduction months in excess of 36 , the factor is 5/12 of 1 percent for each extra month. The Reduction factors listed below are rounded to the third decimal point. Reduction Reduction Reduction Reduction Reduction Reduction Months Factor Months Factor Months Factor 1 .993 2 .986 3 .979 4 .972 5 .965 6 .958 7 .951 8 .944 9 .937 10 .930 11 .923 12 .916 13 .909 14 .902 15 .895 16 .888 17 .881 18 .875 19 .868 20 .861 21 .854 22 .847 23 .840 24 .833 25 .826 26 .819 27 .812 28 .805 29 .798 30 .791 31 .784 32 .777 33 .770 34 .763 35 .756 36 .750 37 .746 38 .741 39 .738 40 .733 41 .729 42 .725 43 .720 44 .717 45 .713 46 .708 47 .704 48 .700 49 .696 50 .692 51 .688 52 .683 53 .679 54 .675 55 .671 56 .667 57 .663 58 .658 59 .654 60 .650 Chart 3: Widow(er)’s Benefits Unlike retirement and spouse’s benefits, the widow(er)’s reduction is limited to 28.5%. This requires a different fraction depending on the year of attainment of full retirement age (FRA). For widow(er)s, the primary insurance benefit is reduced by a fraction of the PIA for each reduction month according to the following chart. Date of Birth FRA FRACTION Through 1/1/40 65 19/40 1/2/40 – 1/1/41 65 + 2 57/124 1/2/41 – 1/1/42 65 + 4 57/128 1/2/42 – 1/1/43 65 + 6 19/44 1/2/43 – 1/1/44 65 + 8 57/136 1/2/44 – 1/1/45 65 + 10 57/140 1/2/45 – 1/1/57 66 19/48 1/2/57 – 1/1/58 66 + 2 57/148 1/2/58 – 1/1/59 66 + 4 57/152 1/2/59 – 1/1/60 66 + 6 19/52 1/2/60 – 1/1/61 66 + 8 57/160 1/2/61 – 1/1/62 66 + 10 57/164 1/2/62 or later 67 19/56 Go to Contents
Appendix 6: Cost of Living Increases
NOTE: COLA increases are applicable for benefits paid in the year indicated in the chart. The effective month of COLA increases is December of the year preceding
Year Percentage 1992 3.7% 1993 3.0% 1994 2.6% 1995 2.8% 1996 2.6% 1997 2.9% 1998 2.1% 1999 1.31% 2000 2.4% 2001 3.5% 2002 2.6% 2003 1.4% 2004 2.1% 2005 2.7% 2006 4.1% 2007 3.3% 2008 2.3%
Appendix 7: Earnings Limits by Year
NOTE: Full Retirement Age (FRA) is the age at which you may receive an unreduced benefit. FRA used to be age 65 but has been increased. For retirement and spouses benefit, the increase applies to those born in 1938 and later. For widow(er)s the increase applies to those born in 1940 or later. Full Retirement Age goes up on a gradually increasing basis to age 67. See Section 703 "Reductions" for a full discussion. The charts in Section 703 show the Full Retirement Age based on the year of birth. Earning after FRA do not cause a reduction in benefits. FRA for those born between 1/2/43 and 1/1/55 is age 66, for retirement and spouse benefits. For Widows and Widowers, FRA is age 66 for those born between 1/2/45 and 1/1/57.
Go to Contents List of Most Common Beneficiary Identification Codes
A - Retirement on own work record B - Aged Wife B1 - Aged Husband B2 - Young Wife (with child in care) B6 - Divorced Wife C - Child D - Aged Widow D1 - Aged Widower D6 - Surviving Divorced Wife E - Young Widow (mother) E1 - Surviving Divorced Mother E4 - Young Widower (father) F - Parent G - Lump Sum Claimant HA - Disabled Worker HB - Aged Wife of Disabled Worker HB2 - Young Wife of Disabled Worker HC - Child of Disabled Worker J - Prouty (special age 72 benefits) K - Prouty (wife) M - Medicare - Medical Insurance Only T - Medicare Only - Both Parts W - Disabled Widow W1 - Disabled Widower W6 - Surviving Disabled Divorced Wife
Effect of Marriage of One Beneficiary to Another <><>
Appendix 10 - Delayed Retirement Credits The amount of a Delayed Retirement Credit is calculated as a percentage of the Primary Insurance Amount, based on the number of months no benefit is received after full retirement age, see §704.6. The percentages listed are annual. The credit for each month is 1/12 of the annual figure. The amount of the credit is based on year of birth. Year of Birth Annual Credit 1917-24 3% 1925-26 3.5% 1927-28 4.0% 1929-30 4.5% 1931-32 5% 1933-34 5.5% 1935-36 6% 1937-38 6.5% 1939-40 7.0% 1941-42 7.5% 1943 and later 8.0% Click for latestMedicare Premiums and Deductibles
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