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 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
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
Future maximums will be increased based on the rate of inflation and announced by the Social Security Administration in the fall of the preceding year.
Sample Monthly Benefits
Worker with steady earnings at the maximum level since age 22, Retirement at: Age 62 $1,452 $1,530 $1,598 $1,682 Age 70 $2,252 $2,420 $2,672 $2,794 Maximum benefit at Full Retirement Age (65 and 6 months for those born in 1940; 65 and 8 months for those born in 1941; 65 and 10 months for those born in 1942) 2005- $1,939 2006- $2,053 2007- $2,115 2008- $2,185 NOTE: INTRODUCTORY NOTE: The Full Retirement Age, i.e. the age at which one may receive an unreduced retirement, spouse or widow's benefit has been increased effective with those born in 1938 and later (1940 for widows), on a gradually increasing basis. See Section 703 "Reductions" for a full discussion. Therefore additional reduction months are applied to those turning 62 (60 for widows) in 2000. For retirement and spouse benefits the reduction factor for reduction months in excess of 36 is 5/12 of 1 percent for each extra month. Chart 1: Retirement Benefits
Reductions Months/Factor Months/Factor
1 .994 19 .894 2 .988 20 .888 3 .983 21 .883 4 .977 22 .877 5 .972 23 .872 6 .966 24 .866 7 .961 25 .861 8 .955 26 .855 9 .950 27 .850 10 .944 28 .844 11 .938 29 .838 12 .933 30 .833 13 .927 31 .827 14 .922 32 .822 15 .916 33 .816 16 .911 34 .811 17 .905 35 .805 18 .900 36 .800
For retirement and spouse benefits the reduction factor for reduction months in excess of 36 is 5/12 of 1 percent for each month in excess of 36. Chart 2: Wife/Husbands Benefits
Reductions Months/Factor Months/Factor
1 .993 19 .868 2 .986 20 .861 3 .979 21 .854 4 .972 22 .847 5 .965 23 .840 6 .958 24 .833 7 .951 25 .826 8 .944 26 .819 9 .937 27 .812 10 .930 28 .805 11 .923 29 .798 12 .916 30 .791 13 .909 31 .784 14 .902 32 .777 15 .895 33 .770 16 .888 34 .763 17 .881 35 .756 18 .875 36 .750 The basic reduction for a spouse after the first 36 months is 5/12 of one percent for each extra month. Chart 3: Widow(er)'s Benefits
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 TopGo 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. 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.
WHEREVER THE TAXABLE YEAR DATES OVERLAP, AS IN A FISCAL YEAR, USE THE HIGHER AMOUNT. *12 month calendar year or fiscal year. Go to ContentsList 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 (see Section 904)
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% Medicare Premiums and Deductibles Hospital Insurance - Part A Premium with 30-39 quarters 2005- $206/mo. 2007- $226/mo. 2008- not yet available
with less than 30 quarters 2005- $375/mo. 2007- $410/mo. 2008- $423/mo. Co-Payments First 60 Days (Total) 2006- $952 2007- $992 2008- $1,021
61st-90th Day (per day) 2006- $238 2007- $248 2008- $256
Lifetime Reserve (per day) 2006- $476 2007- $496 2008- $512
Skilled Nursing Care 20th-100th day (per day) 2005- $114 2007- $124 2008- $128 Medical Insurance - Part B Premium 2007- N.B beginning in 2007, this premium is based on income most recently available from IRS (generally tax year 2005) as follows:
2008- this premium is based on income most recently available from IRS (generally tax year 2006) as follows:
NOTE: Info for Married Filing Separately not yet available.
2007- $131 2008- $135
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