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	Primary Insurance Amount












  
     
     Automatic Determinations
    PIA formula bend points
     Wage-indexed amounts
    
     PIA definition
     The "primary insurance amount" (PIA) is the benefit (before rounding down to next lower
     whole dollar) a person would receive if he/she elects to begin receiving retirement benefits
     at his/her normal retirement age.  At this age, the
     benefit is neither reduced for early retirement nor increased for delayed retirement.
    
    PIA formula bend points
      The PIA is the sum of three separate percentages of portions of
      average indexed monthly earnings.  The portions
      depend on the year in which a worker attains age 62, becomes disabled before
      age 62, or dies before attaining age 62. 
      
      For 2026 these portions are the first $1,286, the amount between $1,286 and
      $7,749, and the amount over $7,749.  These dollar amounts are the "bend points" of
      the 2026 PIA formula.  A table shows bend points, for
      years beginning with 1979, for both the PIA and
      maximum family benefit formulas.
    
      PIA formula
      For an individual who first becomes eligible for old-age insurance benefits or disability
      insurance benefits in 2026, or who dies in 2026 before becoming eligible for
      benefits, his/her PIA will be the sum of:
      (a) 90 percent of the first $1,286 of his/her average indexed monthly earnings, plus
      (b) 32 percent of his/her average indexed monthly earnings over 
       $1,286 and through $7,749, plus
      (c) 15 percent of his/her average indexed monthly earnings over $7,749.
      We round this amount to the next lower multiple of $.10 if it is not
      already a multiple of $.10.
    
    
     Determination of the PIA bend points for 2026
      
       Amounts informula
       
         
          
            Average wage indices
          For 1977:9,779.44
          For 2024:69,846.57
         
       
         
          Bend points for 1979
          First:$180
          Second:$1,085
         
      
      Computation of bend points for 2026
       First bend point$180 times 69,846.57 divided by 9,779.44 equals
           $1,285.59, which rounds to $1,286
       Second bend point$1,085 times 69,846.57 divided by 9,779.44 equals
           $7,749.27, which rounds to $7,749
    
   




  
  
    
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