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POMS References

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POMS Table of Contents

https://secure.ssa.gov/apps10/poms.nsf/partlist!OpenView

AIME Calculation

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300605015

Elapsed/Calculation Years

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300605016

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300605017

PIA/AIME

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300605021

Definition of Spouse (includes info re: spouse benefit must be greater than own RIB if dually entitled)

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300202001

Definition of Divorced Spouse (includes info re: length of marriage; interruption of consecutive years of marriage) & Entitlement as “divorced spouse”:

https://secure.ssa.gov/poms.nsf/lnx/0300202005

Exceptions to divorced spouse remarriage rule ending spousal benefits:

https://secure.ssa.gov/poms.nsf/lnx/0300202045

Definition of “legal spouse” in determining marriage end:

https://secure.ssa.gov/poms.nsf/lnx/0300202040

Spousal Benefit calculation BEFORE FRA:

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300615250

Spousal Benefit reduction or non-reduction (includes verbiage re: 50% of PIA vs. benefit)

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300615201

Spousal Benefit Calculations in various scenarios (includes RIB first, then spousal at FRA, for example)

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300615020

Spousal Benefit Calculations when DRC is involved (hint: spousal benefit can’t take total MBA to greater than 50% of worker’s PIA)

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300615694

Deemed Filing

https://secure.ssa.gov/apps10/poms.nsf/lnx/0200204020#f

SSA Acronyms

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300601002

Benefit Acronyms

A = Original Numberholder’s Benefit
B = Spouse Benefit
DIB = Disability Insurance Benefit
HA = Disability Benefit
MBA = Monthly Benefit Amount
MOET = Month of Entitlement
NH = Numberholder
RIB = Retirement Insurance Benefit

File and Suspend

https://secure.ssa.gov/apps10/poms.nsf/lnx/0202409100 – Fact (section 7 gives detail on dually-entitled f&s, where a widow(er) has survivor bene’s in addition to RIB)

https://secure.ssa.gov/apps10/poms.nsf/lnx/0202409110 – conditions, including spousal/dependent benefits

Annual Earnings Test

https://secure.ssa.gov/apps10/poms.nsf/lnx/0302501021

Family Maximum Benefits

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300615730 – general info

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300615756 – explains adjustments for FMAX, includes the fact that the NH PIA is included (but not DRC) and the NH PIA is not reduced by the FMAX, all other auxiliary benefits are.

Widow(er)’s Benefits

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300207002 – payment and termination general information

Section B includes information re: simultaneous and dual entitlement – for coordination of types of benefits (own RIB, WIB, DIB, and SRIB).

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300207003 – effects of remarriage on entitlement to WIB (including divorcees)

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300615301 – calculation of reduced widow(er)’s benefits

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300615320 – no less than 82.5% of PIA for widow(er)’s benefit if the deceased had begun benefits prior to FRA

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300615322 – three components used in calculating WIB when decedent was already receiving reduced RIB

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300615302 – “windexing” of benefits – alternate method of calculating widow(er)’s benefit reduction

Early Filing Reduced Benefits

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300615005 – calculations for early filing reduction

Delayed Retirement Credits

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300615690 – General DRC info

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300615692 – How DRCs are calculated (includes info re: DRC is added to either PIA or Permanently Reduced RIB)

Windfall Elimination Provision (WEP) Calculations

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300605369

WEP Chart (Maximum WEP Reductions by Year)

https://www.ssa.gov/planners/retire/wep-chart.html

WEP Applicability (includes verbiage re: pension eligibility/entitlement, PIA calculation)

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300605360

WEP Applicability to a lump sum pension (includes actuarial tables for determining pension monthly value)

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300605364

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300605364 – determining if payments are a pension; includes lump-sum info

WEP Years-Of-Credit (YOC) “Substantial Earnings”

https://secure.ssa.gov/apps10/poms.nsf/lnx/0300605362#a1

   ** calculation of YOC figure and old-law base for calculation **

    ** Substantial earnings is 25% of the old-law base **

https://www.ssa.gov/OACT/COLA/yoc.html

Government Pension Offset (GPO)

https://secure.ssa.gov/apps10/poms.nsf/lnx/0202608100 – General rules – foreign gov’t pensions do not cause GPO

https://secure.ssa.gov/apps10/poms.nsf/lnx/0202608103 – exception for CSRS employees

https://secure.ssa.gov/apps10/poms.nsf/lnx/0202608400 – includes info for calculating monthly benefit amount when pension is taken as a lump sum

Restricted Application

https://secure.ssa.gov/apps10/poms.nsf/lnx/0200204020#d – section D.1

Voluntary Withdrawal (“do over”)

https://secure.ssa.gov/apps10/poms.nsf/lnx/0200206000 – various POMS references in this TOC dealing with the Voluntary Withdrawal

https://secure.ssa.gov/apps10/poms.nsf/lnx/0200206005 – DEPRECATED with passage of the Bipartisan Budget Act of 2015. Voluntary withdrawal for a NH who has received DIB, is about to convert to RIB – NO LONGER ALLOWED.

Overpayment on month of death

https://secure.ssa.gov/apps10/poms.nsf/lnx/0202201001

Online Application Tutorial

http://ssa.gov/onlineservices/planners/Online_Application/oa.htm