The Spousal, WEP/GPO and Survivor Planning Calculators have been upgraded to include a “disability” function. You may now use these calculators to model scenarios for your
disabled clients.
Disability benefits are distinct from retirement benefits in that they may begin at any age, and they are always based on the recipient’s full PIA—there is
no actuarial reduction before full retirement age.
Furthermore, the language in the calculators’ reports has been modified to be gender-neutral. Remember, with the landmark Obergefell v. Hodges case, married same-sex couples are eligible for spousal and
survivor benefits.