{"model":"ssa-pia","specVersion":"1.0.0","specUrl":"/api/v1/models/ssa-pia/spec","inputs":{"aime":{"kind":"float","min":0,"max":30000},"claimAge":{"kind":"int","min":62,"max":70},"fullRetirementAge":{"kind":"choice","values":[66,67]}},"arrayInputs":{},"constraints":["AIME (the 35-year indexed earnings average) is the caller's input — computing it from an earnings record is out of scope. Bend points are the 2026 eligibility-year pair; the 90/32/15 factors are fixed in law. PIA rounds down to the dime (SSA rule); the monthly benefit rounds down to the whole dollar as SSA pays it. Claiming ages are whole years; delayed credits stop at 70."],"sentinels":[],"facts":[{"id":"ssa.pia.bend-point-1.2026","label":"PIA formula first bend point (2026 eligibility)","value":1286,"period":"2026 eligibility year","source":"SSA OACT, Primary Insurance Amount formula"},{"id":"ssa.pia.bend-point-2.2026","label":"PIA formula second bend point (2026 eligibility)","value":7749,"period":"2026 eligibility year","source":"SSA OACT, Primary Insurance Amount formula"},{"id":"ssa.claim-at-62.factor.fra-67","label":"Benefit at 62 as fraction of PIA, for FRA 67 (60 months early)","value":0.7,"period":"permanent (birth year 1960+)","source":"SSA, Effect of Early or Delayed Retirement"},{"id":"ssa.delayed-credit-to-70.factor.fra-67","label":"Benefit at 70 as multiple of PIA, for FRA 67 (8%/yr × 3 yrs)","value":1.24,"period":"permanent (birth year 1943+ credit rate)","source":"SSA, Delayed Retirement Credits"}],"disclaimer":"Illustrative planning model, not financial advice. Outputs follow the published model spec exactly; read the spec for assumptions and exclusions before relying on any number."}