29:null 2a:["$","title",null,{"children":"Windfall Awareness Notebook Prototype | Thad Kerosky | Observable"}] 2f:T613,viewof sourceOfRetireeProfile = radio({ title: "Preset Retiree Earning Profile", description: "Please select an example XML retiree earnings profile from this document above or OCR", options: [ { value: null, label: "Manually set 'num years of substantial earnings'" }, { value: "table", label: "Manually set each 'year of substantial earnings'" }, { value: "upload", label: "Load your XML (use web app)" }, { value: "https://cors-anywhere.herokuapp.com/https://www.ssa.gov/osss/schemas/1.0/samples/Early_Retirement.xml", label: "Early Retirement (XML)" }, { value: await FileAttachment("Early_Retirement.xml").url(), label: "Early Retirement (XML), local copy" }, { value: "https://cors-anywhere.herokuapp.com/https://www.ssa.gov/osss/schemas/1.0/samples/Full_Retirement.xml", label: "Full Retirement (XML), born 1947" }, { value: await FileAttachment("Full_Retirement-2015update.xml").url(), label: "Full Retirement (XML), born 1947, local copy" }, { value: "https://cors-anywhere.herokuapp.com/https://www.ssa.gov/osss/schemas/1.0/samples/Delayed_Retirement.xml", label: "Delayed Retirement (XML)" }, { value: "https://cors-anywhere.herokuapp.com/https://www.dropbox.com/s/x1mizktnieg46j0/Sample_20.xml?raw=1", label: "AnyPIA Software Sample 20, born 1952" }, { value: await FileAttachment("Sample_20.xml").url(), label: "AnyPIA Software Sample 20, born 1952, local" } ], value: null })30:T429,{ if (parsedXmlFileText !== null) { table([{ xmlName: parsedXmlFileText["osss:OnlineSocialSecurityStatementData"]["osss:UserInformation"]["osss:Name"], xmlBirthday: parsedXmlFileText["osss:OnlineSocialSecurityStatementData"]["osss:UserInformation"]["osss:DateOfBirth"], xmlFullRetirementEstimatePIA: parsedXmlFileText["osss:OnlineSocialSecurityStatementData"]["osss:EstimatedBenefits"]["osss:FullRetirementEstimate"]["osss:Estimate"], xmlFullAtAge: parsedXmlFileText["osss:OnlineSocialSecurityStatementData"]["osss:EstimatedBenefits"]["osss:FullRetirementEstimate"]["osss:RetirementAge"]["osss:Years"], xmlDelayedRetirementEstimatePIA: parsedXmlFileText["osss:OnlineSocialSecurityStatementData"]["osss:EstimatedBenefits"]["osss:DelayedRetirementEstimate"]["osss:Estimate"], xmlDelayedAtAge: parsedXmlFileText["osss:OnlineSocialSecurityStatementData"]["osss:EstimatedBenefits"]["osss:DelayedRetirementEstimate"]["osss:RetirementAge"]["osss:Years"] }]) } else { throw Error("No XML has been specified, use manual input.") } }31:T4d9,// thadk: we need a way to avoid this code if no file upload relevant mutable parsedXmlFileText = { if (sourceOfRetireeProfile === "upload") { // const fileText = await Files.text(loadRetireeXML); //const parsedText = fastXml.parse(fileText, {ignoreAttributes: false}) //return parsedText } else if (sourceOfRetireeProfile !== "upload" && sourceOfRetireeProfile !== "null" && sourceOfRetireeProfile !== "text" && sourceOfRetireeProfile !== "table") { // download one from URL const promiseXml = fetch(sourceOfRetireeProfile, { method: "GET", headers: { 'x-requested-with': 'observable' }, }).then(response => { return response.text(); }) return fastXml.parse(await promiseXml, {ignoreAttributes: false}); } else if (sourceOfRetireeProfile === "table") { // blank table // TODO: remove need for fileTextTemp to have explicit filler JSON, just generate it. return fileTextTemp } else if (sourceOfRetireeProfile === null || sourceOfRetireeProfile === undefined ) { return null } else if (sourceOfRetireeProfile === "null") { return null } else { throw Error() } }32:T64f,//getWepMPBTemp (pia, dob, retireDate) //getPIA(aime, dob, yearsSubstantialEarnings=null, isWEP=true) calculationDisplayWithOurAIME = md` ### Using the AIME Slider above (copied from above) Slider AIME: $${AIMEPicked} Standard PIA: $${getPIA(AIMEPicked, birthDatePicked, null, false).toFixed(2)} per month WEP PIA: $${getPIA(AIMEPicked, birthDatePicked, yearsSubstantialEarningsPicked, true).toFixed(2)} per month WEP difference: $

${(getPIA(AIMEPicked, birthDatePicked, null, false)-getPIA(AIMEPicked, birthDatePicked, yearsSubstantialEarningsPicked, true)).toFixed(2)}

per month Windfall Elimination Maximum Payable Benefit calculated: $

${getWepMPB(AIMEPicked, birthDatePicked, retireDatePicked, yearsSubstantialEarningsPicked, pensionNonCoveredMonthly).toFixed(2)}

per month ### VERSUS using the Calculated AIME from Earnings Calculated AIME: $${calcedAIMEfromEarnings} Standard PIA: $${getPIA(calcedAIMEfromEarnings, birthDatePicked, null, false).toFixed(2)} per month WEP PIA: $${getPIA(calcedAIMEfromEarnings, birthDatePicked, yearsSubstantialEarningsPicked, true).toFixed(2)} per month WEP difference: $

${(getPIA(calcedAIMEfromEarnings, birthDatePicked, null, false)-getPIA(calcedAIMEfromEarnings, birthDatePicked, yearsSubstantialEarningsPicked, true)).toFixed(2)}

per month Windfall Elimination Maximum Payable Benefit calculated: $

${getWepMPB(calcedAIMEfromEarnings, birthDatePicked, retireDatePicked, yearsSubstantialEarningsPicked, pensionNonCoveredMonthly).toFixed(2)}

per month `33:T1722,/* By Sebastian */ function getAIMEFromEarnings(rawEarnings, indexingYear, maxECTable, avgWageIndexTable) { //Determine # of calculation years let numCalculationYears = 0; if (indexingYear >= 1989) numCalculationYears = 35; else if (indexingYear <= 1956) numCalculationYears = 0; else numCalculationYears = 35 - (1989-indexingYear); //convert earnings from key-value's with strings inside, to object format with numbers inside. const earnings = Object.keys(rawEarnings).map(n => ({year: parseInt(n, 10), amount: parseInt(rawEarnings[n], 10)})) let earningsMap = {}; // This map will contain key-value pairs of year-amount earned (for the user) if (Array.isArray(earnings)) { earnings.forEach((earning) => { earningsMap[earning.year] = earning.amount; }); } //throw new Error("") - but what would this error be? let averageMap = {}; //This map will contain key-value pairs of year-average earnings from table if (Array.isArray(avgWageIndexTable)) { avgWageIndexTable.forEach((earning) => { if (earning.year > 1950 && (earningsMap[earning.year] !== undefined || earning.year >= indexingYear-39 || earning.year < indexingYear+2)) { averageMap[earning.year] = avgWageIndexTable.find(d => d.year === earning.year).averageWageIndex; } }); }//throw new Error("") - but what would this error be? //return averageMap let maximumMap = {}; //This map will contain key-value pairs of year-maximum from table if (Array.isArray(maxECTable)) { earnings.forEach((earning) => { if (earning.year >= 1950 && (earningsMap[earning.year] !== undefined || (earning.year >= indexingYear-39 && earning.year < indexingYear+2))) { maximumMap[earning.year] = maxECTable.find(d => d.year === earning.year).maximumEarningsCreditable; } }); }//throw new Error("") - but what would this error be? //Check that averageMap and maximumMap have the same length and set of keys? //adjust each year's earning to match the indexing year, then add the modified yearly earnings to an array let earningsYears = earnings.map(n => n.year); let validEarnings = []; //array of each year of valid earnings; //specific year or ordering ceases to be relevant let debugValidEarnings = []; if (Array.isArray(earningsYears)) { earningsYears.forEach((earningsYear) => { if (earningsYear < indexingYear && earningsYear !== NaN && maximumMap[earningsYear] !== undefined && averageMap[earningsYear] !== undefined) { debugValidEarnings.push({ 'yr': earningsYear, 'specialIndexingYear': false, 'indexOnYear': indexingYear, 'eMap':earningsMap[earningsYear], 'mxMap': maximumMap[earningsYear], 'min': Math.min(earningsMap[earningsYear], maximumMap[earningsYear]), //* averageMap[indexingYear], 'minSafe': Math.min(earningsMap[earningsYear], isNaN(maximumMap[earningsYear]) ? 0 : maximumMap[earningsYear]), 'avgMapIndex': averageMap, 'avgMapYr': averageMap[earningsYear], 'validEarningCalc': Math.min(earningsMap[earningsYear], maximumMap[earningsYear]) * averageMap[indexingYear] / averageMap[earningsYear] }); // validEarnings.push(Math.min(earningsMap[earningsYear], maximumMap[earningsYear]) * averageMap[indexingYear] / averageMap[earningsYear]) } else if (earningsYear === indexingYear && earningsYear !== NaN && maximumMap[earningsYear] !== undefined && averageMap[earningsYear] !== undefined) { debugValidEarnings.push({ 'yr': earningsYear, 'specialIndexingYear': true, 'eMap':earningsMap[earningsYear], 'mxMap': maximumMap[earningsYear], 'min': Math.min(earningsMap[earningsYear], maximumMap[earningsYear]), //* averageMap[indexingYear], 'minSafe': Math.min(earningsMap[earningsYear], isNaN(maximumMap[earningsYear]) ? 0 : maximumMap[earningsYear]), 'avgMapIndex': averageMap[indexingYear], 'avgMapYr': averageMap[earningsYear], 'validEarningCalc': Math.min(earningsMap[earningsYear], maximumMap[earningsYear]) }); //validEarnings.push( // Math.min(earningsMap[earningsYear], maximumMap[earningsYear]) // ); //I'm not sure if this correctly handles situations where a year is missing in earningsMap } else if (earningsYear > indexingYear && earningsYear !== NaN && maximumMap[earningsYear] !== undefined && averageMap[earningsYear] !== undefined) { debugValidEarnings.push({ 'yr': earningsYear, 'specialIndexingYear': false, 'eMap':earningsMap[earningsYear], 'mxMap': maximumMap [earningsYear], 'min': Math.min(earningsMap[earningsYear], maximumMap[earningsYear]), 'minSafe': Math.min(earningsMap[earningsYear], isNaN(maximumMap[earningsYear]) ? 0 : maximumMap[earningsYear]), 'avgMapIndex': averageMap[indexingYear], 'avgMapYr': averageMap[indexingYear], 'validEarningCalc': Math.min(earningsMap[earningsYear], maximumMap[earningsYear]) //Years after indexing year are not indexed; this is favorable to beneficiaries }); } }); } //Remove members of validEarnings until length matches the number of calculation years const toCut = debugValidEarnings.length-numCalculationYears; if (toCut >= 0) { validEarnings = debugValidEarnings.sort((m, n) => m.validEarningCalc - n.validEarningCalc).slice(toCut).map(n => n.validEarningCalc); } else { validEarnings = debugValidEarnings; } //Sum the earning into AIME let AIME = 0; //Starts at 0, to facilitate later summation validEarnings.forEach((earning) => { AIME += earning; }); //Divide AIME by number of months () AIME = AIME / (numCalculationYears * 12); return Math.floor(AIME); }34:T5d8,function getBenefitReduction(dob, retireDate) { const birthYearDate = dayjs(dob); const retireYearDate = dayjs(retireDate); //Difference .diff(compared: Dayjs, unit: string (default: 'milliseconds'), float?: boolean) const floatYearsAfter62yo = retireYearDate.diff(birthYearDate,'years',true)-62 const intYearsAfter62yo = retireYearDate.diff(birthYearDate,'years',false)-62 let reduction; const rowOfReduction = benefitReductionTable.find(d => d.year === birthYearDate.year()); if (rowOfReduction) { //calculate: that retirement year's credit per year / fraction of the extra year. // Remember PctCreditForEachDelayYear is in whole numbers like 9.333%, not 0.09333 //TODO: extra days of the month should never affect floatYearsAfter62yo when retirement date set directly. let extraMonthsCredit = 0 if ((floatYearsAfter62yo - intYearsAfter62yo) !== 0) { const fractionOfYearMonths = (floatYearsAfter62yo - intYearsAfter62yo); extraMonthsCredit = (rowOfReduction.PctCreditForEachDelayYear*0.01) * fractionOfYearMonths; //console.log("on ",rowOfReduction.yearsFrom62[intYearsAfter62yo]," give them ",extraMonthsCredit," because ", fractionOfYearMonths," and ", rowOfReduction.PctCreditForEachDelayYear*0.01) } //sum basic calculation and extra month's credit return rowOfReduction.yearsFrom62[intYearsAfter62yo] + extraMonthsCredit; } else { throw new Error("No reduction found – try experimental table"); } }35:T7b23,//copy/paste from recacheSocialSecTables.json and keep variable name as cachedSocialSecTables and wrap the curly braces from JSON in parenthesis. cachedSocialSecTables = ({"ColaTable":[{"year":1975,"Cola":8},{"year":1976,"Cola":6.4},{"year":1977,"Cola":5.9},{"year":1978,"Cola":6.5},{"year":1979,"Cola":9.9},{"year":1980,"Cola":14.3},{"year":1981,"Cola":11.2},{"year":1982,"Cola":7.4},{"year":1983,"Cola":3.5},{"year":1984,"Cola":3.5},{"year":1985,"Cola":3.1},{"year":1986,"Cola":1.3},{"year":1987,"Cola":4.2},{"year":1988,"Cola":4},{"year":1989,"Cola":4.7},{"year":1990,"Cola":5.4},{"year":1991,"Cola":3.7},{"year":1992,"Cola":3},{"year":1993,"Cola":2.6},{"year":1994,"Cola":2.8},{"year":1995,"Cola":2.6},{"year":1996,"Cola":2.9},{"year":1997,"Cola":2.1},{"year":1998,"Cola":1.3},{"year":1999,"Cola":2.5},{"year":2000,"Cola":3.5},{"year":2001,"Cola":2.6},{"year":2002,"Cola":1.4},{"year":2003,"Cola":2.1},{"year":2004,"Cola":2.7},{"year":2005,"Cola":4.1},{"year":2006,"Cola":3.3},{"year":2007,"Cola":2.3},{"year":2008,"Cola":5.8},{"year":2009,"Cola":0},{"year":2010,"Cola":0},{"year":2011,"Cola":3.6},{"year":2012,"Cola":1.7},{"year":2013,"Cola":1.5},{"year":2014,"Cola":1.7},{"year":2015,"Cola":0},{"year":2016,"Cola":0.3},{"year":2017,"Cola":2},{"year":2018,"Cola":2.8}],"benefitReductionTable":[{"year":1924,"NormalRetirementAge":65,"PctCreditForEachDelayYear":3,"yearsFrom62":[0.8,0.8666666667,0.9333333333,1,1.03,1.06,1.09,1.12,1.15]},{"year":1925,"NormalRetirementAge":65,"PctCreditForEachDelayYear":3.5,"yearsFrom62":[0.8,0.8666666667,0.9333333333,1,1.035,1.07,1.105,1.14,1.175]},{"year":1926,"NormalRetirementAge":65,"PctCreditForEachDelayYear":3.5,"yearsFrom62":[0.8,0.8666666667,0.9333333333,1,1.035,1.07,1.105,1.14,1.175]},{"year":1927,"NormalRetirementAge":65,"PctCreditForEachDelayYear":4,"yearsFrom62":[0.8,0.8666666667,0.9333333333,1,1.04,1.08,1.12,1.16,1.2]},{"year":1928,"NormalRetirementAge":65,"PctCreditForEachDelayYear":4,"yearsFrom62":[0.8,0.8666666667,0.9333333333,1,1.04,1.08,1.12,1.16,1.2]},{"year":1929,"NormalRetirementAge":65,"PctCreditForEachDelayYear":4.5,"yearsFrom62":[0.8,0.8666666667,0.9333333333,1,1.045,1.09,1.135,1.18,1.225]},{"year":1930,"NormalRetirementAge":65,"PctCreditForEachDelayYear":4.5,"yearsFrom62":[0.8,0.8666666667,0.9333333333,1,1.045,1.09,1.135,1.18,1.225]},{"year":1931,"NormalRetirementAge":65,"PctCreditForEachDelayYear":5,"yearsFrom62":[0.8,0.8666666667,0.9333333333,1,1.05,1.1,1.15,1.2,1.25]},{"year":1932,"NormalRetirementAge":65,"PctCreditForEachDelayYear":5,"yearsFrom62":[0.8,0.8666666667,0.9333333333,1,1.05,1.1,1.15,1.2,1.25]},{"year":1933,"NormalRetirementAge":65,"PctCreditForEachDelayYear":5.5,"yearsFrom62":[0.8,0.8666666667,0.9333333333,1,1.055,1.11,1.165,1.22,1.275]},{"year":1934,"NormalRetirementAge":65,"PctCreditForEachDelayYear":5.5,"yearsFrom62":[0.8,0.8666666667,0.9333333333,1,1.055,1.11,1.165,1.22,1.275]},{"year":1935,"NormalRetirementAge":65,"PctCreditForEachDelayYear":6,"yearsFrom62":[0.8,0.8666666667,0.9333333333,1,1.06,1.12,1.18,1.24,1.3]},{"year":1936,"NormalRetirementAge":65,"PctCreditForEachDelayYear":6,"yearsFrom62":[0.8,0.8666666667,0.9333333333,1,1.06,1.12,1.18,1.24,1.3]},{"year":1937,"NormalRetirementAge":65,"PctCreditForEachDelayYear":6.5,"yearsFrom62":[0.8,0.8666666667,0.9333333333,1,1.065,1.13,1.195,1.26,1.325]},{"year":1938,"NormalRetirementAge":65.16666667,"PctCreditForEachDelayYear":6.6,"yearsFrom62":[0.7916666667,0.8555555556000001,0.9222222222,0.9888888889,1.0541666669999998,1.119166667,1.185166667,1.251166667,1.314166667]},{"year":1939,"NormalRetirementAge":65.33333333,"PctCreditForEachDelayYear":7,"yearsFrom62":[0.7833333333,0.8444444444,0.9111111111,0.9777777778,1.046666667,1.1166666669999998,1.186666667,1.256666667,1.326666667]},{"year":1940,"NormalRetirementAge":65.5,"PctCreditForEachDelayYear":7,"yearsFrom62":[0.775,0.8333333333,0.9,0.9666666667,1.035,1.105,1.175,1.245,1.315]},{"year":1941,"NormalRetirementAge":65.66666667,"PctCreditForEachDelayYear":7.5,"yearsFrom62":[0.7666666666999999,0.8222222222000001,0.8888888889000001,0.9555555556,1.025,1.1,1.175,1.25,1.325]},{"year":1942,"NormalRetirementAge":65.83333333,"PctCreditForEachDelayYear":7.5,"yearsFrom62":[0.7583333333,0.8111111111,0.8777777778,0.9444444444,1.0125,1.0875,1.1625,1.2375,1.3125]},{"year":1943,"NormalRetirementAge":66,"PctCreditForEachDelayYear":8,"yearsFrom62":[0.75,0.8,0.8666666667,0.9333333333,1,1.08,1.16,1.24,1.32]},{"year":1944,"NormalRetirementAge":66,"PctCreditForEachDelayYear":8,"yearsFrom62":[0.75,0.8,0.8666666667,0.9333333333,1,1.08,1.16,1.24,1.32]},{"year":1945,"NormalRetirementAge":66,"PctCreditForEachDelayYear":8,"yearsFrom62":[0.75,0.8,0.8666666667,0.9333333333,1,1.08,1.16,1.24,1.32]},{"year":1946,"NormalRetirementAge":66,"PctCreditForEachDelayYear":8,"yearsFrom62":[0.75,0.8,0.8666666667,0.9333333333,1,1.08,1.16,1.24,1.32]},{"year":1947,"NormalRetirementAge":66,"PctCreditForEachDelayYear":8,"yearsFrom62":[0.75,0.8,0.8666666667,0.9333333333,1,1.08,1.16,1.24,1.32]},{"year":1948,"NormalRetirementAge":66,"PctCreditForEachDelayYear":8,"yearsFrom62":[0.75,0.8,0.8666666667,0.9333333333,1,1.08,1.16,1.24,1.32]},{"year":1949,"NormalRetirementAge":66,"Pc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The below is a dummy JSON-format of SSA XML file with all zeros for FICA Earnings to pre-populate the table as empty. //TODO: remove this and simplify down to just 0's inline in the table rather. fileTextTemp = JSON.parse('{"osss:OnlineSocialSecurityStatementData":{"@_xmlns:osss":"http://ssa.gov/osss/schemas/1.0","osss:FileCreationDate":"2015-05-27T07:40:55.027-04:00","osss:UserInformation":{"osss:Name":"John Q. 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s:FicaEarnings":0,"osss:MedicareEarnings":0},{"@_startYear":"2011","@_endYear":"2011","osss:FicaEarnings":0,"osss:MedicareEarnings":0},{"@_startYear":"2012","@_endYear":"2012","osss:FicaEarnings":0,"osss:MedicareEarnings":0},{"@_startYear":"2013","@_endYear":"2013","osss:FicaEarnings":0,"osss:MedicareEarnings":0},{"@_startYear":"2014","@_endYear":"2014","osss:FicaEarnings":0,"osss:MedicareEarnings":-1},{"@_startYear":"2015","@_endYear":"2015","osss:FicaEarnings":0,"osss:MedicareEarnings":-1},{"@_startYear":"2016","@_endYear":"2016","osss:FicaEarnings":0,"osss:MedicareEarnings":-1},{"@_startYear":"2017","@_endYear":"2017","osss:FicaEarnings":0,"osss:MedicareEarnings":-1},{"@_startYear":"2018","@_endYear":"2018","osss:FicaEarnings":0,"osss:MedicareEarnings":-1},{"@_startYear":"2019","@_endYear":"2019","osss:FicaEarnings":0,"osss:MedicareEarnings":-1}],"osss:FicaTaxTotalEmployer":32798,"osss:FicaTaxTotalIndividual":36787,"osss:MedicareTaxTotalEmployer":7481,"osss:MedicareTaxTotalIndividual":8425}}}') 37:T45e,//TODO: do not show the table when there is no input such as when they just want to use the slider to pick years of significant earnings. function makePerYearEarningsTable(parsedXml) { let tableHtml = ``; if (parsedXml && parsedXml['osss:OnlineSocialSecurityStatementData'] && parsedXml['osss:OnlineSocialSecurityStatementData']['osss:EarningsRecord'] && Array.isArray(parsedXml['osss:OnlineSocialSecurityStatementData']['osss:EarningsRecord']['osss:Earnings'])) { const earnings = parsedXml['osss:OnlineSocialSecurityStatementData']['osss:EarningsRecord']['osss:Earnings']; earnings.forEach((earning, i) => { const yearHtml = `${earning['@_startYear']}`; const earningsHtml = ``; tableHtml = `${tableHtml}${yearHtml}${earningsHtml}`; }); tableHtml = `${tableHtml}${tableHtmlEnd}`; } return tableHtml; }38:T406,//For the "Try the App" button 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2d:{"id":"ebb6ecd0d81fc3bf","slug":"windfall-awareness-notebook-prototype","title":"Windfall Awareness Notebook Prototype","thumbnail":"e9a4033e1fb78fd1f1638f5c933b857f9db80aefc7f6202013163d26400d3511","access_level":"public","create_time":"$D2019-03-27T00:41:49.966Z","update_time":"$D2020-01-18T19:08:38.298Z","view_time":null,"first_public_time":"$D2019-04-06T04:54:25.836Z","has_unpublished_edits":null,"fork":false,"stars":1,"starred":false,"owner":{"type":"team","id":"5cd4a42aead2029f","login":"thadk","name":"Thad Kerosky","avatar_url":"https://avatars-next.observableusercontent.com/2f2413891eb0ff4669b49685946f849544a1e49e7047923d158638bc30666281","tier":"starter_2024"},"version":3620,"publish_version":3620,"role":null,"authored":false,"authors":[{"type":"individual","id":"be3e6e81af18a319","login":"thadk","name":"Thad Kerosky","avatar_url":"https://avatars-next.observableusercontent.com/2f2413891eb0ff4669b49685946f849544a1e49e7047923d158638bc30666281","tier":null}],"members":[{"type":"individual","id":"be3e6e81af18a319","login":"thadk","name":"Thad Kerosky","avatar_url":"https://avatars-next.observableusercontent.com/2f2413891eb0ff4669b49685946f849544a1e49e7047923d158638bc30666281","tier":null,"role":"editor"}],"comments":[],"custom_thumbnail":false,"trashed":false,"lapsed":null,"subscribed":null,"forks":25,"collection":null,"type":"notebook","body":{"title":"Windfall Awareness Notebook Prototype","cells":[{"id":470,"value":"md`# Windfall Awareness Notebook Prototype\n### ssacalculator.org\n[Code for Boston](https://www.codeforboston.org) Project with Congressman Seth Moulton's office (D-MA), 2019. A collaboration of [many contributors on GitHub](https://github.com/codeforboston/windfall-elimination/issues). [Onboarding slide deck](https://docs.google.com/presentation/d/1oGWh4KK80ih-oiD_MyLvFCdk5IBhDQIoDNwHrOm9xJA/edit). React app linked below.\n\n\n\n\n
\nor, test the calculations below:\n#### Formula Experiments\n`\n","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":447,"value":"viewof yearsSubstantialEarningsPicked = slider({\n min: 0, \n max: 40, \n step: 1, \n value: getSubstantialEarningsYears(perYearEarnings, substantialEarningsMarks),\n title: \"Years of Substantial Earnings\", \n description: \"You can also provide your exact per-year earnings below to have this calculated for you.\"\n})","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1548,"value":"$2f","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":79,"value":"viewof birthDatePicked = date({\n title: \"Birthdate\", \n min: \"1900-01-01\",\n max: \"2019-12-31\",\n value: `${new Date().getFullYear()-63}-01-02`,\n description: \"\"\n})","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":63,"value":"viewof ageToRetirePicked = {\n const phrases = [\n ' is younger than full retirement age: penalty applies',\n ' is at least full retirement age, potential bonus',\n ];\n \n return slider({\n min: 62, \n max: 70, \n step: 1, \n value: 0, \n title: \"When to Retire (age)\", \n description: \"\",\n display: v => v + phrases[v < benefitReductionTable.find(d => d.year === dayjs(birthDatePicked).year()).NormalRetirementAge ? 0 : 1]\n });\n}","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":559,"value":"viewof ageToRetireExtraMonthsPicked = slider({\n min: 0, \n max: ageToRetirePicked !== 70 ? 11: 0, \n step: 1, \n value: 0, \n title: \"When to Retire (extra months)\", \n description: \"\"\n})","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1890,"value":"viewof pensionNonCoveredMonthly = number({\n title: \"Monthly Noncovered Pension in $USD\", \n min: 100, \n max: 5000,\n value: 0, \n format: \"$,\",\n description: \"This is the amount that you would get from, for example, your state or local government pension.\"\n})","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":56,"value":"//getWepMPBTemp (pia, dob, retireDate)\n//getPIA(aime, dob, yearsSubstantialEarnings=null, isWEP=true)\ncalculationDisplay = md`\nStandard PIA: $${getPIA(AIMEPicked, birthDatePicked, null, false).toFixed(2)} per month \nWEP PIA: $${getPIA(AIMEPicked, birthDatePicked, yearsSubstantialEarningsPicked, true).toFixed(2)} per month \nWEP difference: $

${(getPIA(AIMEPicked, birthDatePicked, null, false)-getPIA(AIMEPicked, birthDatePicked, yearsSubstantialEarningsPicked, true)).toFixed(2)}

per month\n\nWindfall Elimination Maximum Payable Benefit calculated: \n$

${getWepMPB(AIMEPicked, birthDatePicked, retireDatePicked, yearsSubstantialEarningsPicked, pensionNonCoveredMonthly).toFixed(2)}

per month`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":614,"value":"viewof retireDatePicked = date({\n title: \"Retire Date\", \n min: \"1900-01-01\",\n max: \"2040-12-31\",\n value: `${addRetirementAgeToBirthdate(birthDatePicked, ageToRetirePicked, ageToRetireExtraMonthsPicked)}`,\n description: \"This will be auto-calculated\"\n})","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":3008,"value":"md`**Retirement age for benefit reduction:**`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":761,"value":"table([benefitReductionTable.find(d => d.year === dayjs(birthDatePicked).year())])","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":3004,"value":"md`**Bend points for this birthday:**`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":982,"value":"table([findBendPoints(birthDatePicked)])","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":427,"value":"viewof AIMEPicked = slider({\n min: 100, \n max: 5000, \n step: 1, \n value: getAIMEFromEarnings(perYearEarnings, yearOf62yo-2, maximumEarningsCreditable, averageWageIndexTable), \n format: \"$,\",\n title: \"Average Indexed Monthly Earnings (AIME) – automatically set\", \n description: \"You can also provide your exact per-year earnings above to have this calculated for you.\"\n})","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":3017,"value":"md`**Cost of Living Adjustment:** (relevant for people retiring after age of 63)`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2874,"value":"calculatedColaPercent = getAggregateColaFactor(yearOf62yo, retireDatePicked)","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2742,"value":"table([{birthDatePicked, retireDatePicked, pensionNonCoveredMonthly, AIMEPicked}])","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2957,"value":"$30","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":833,"value":"yearOf62yo = dayjs(birthDatePicked).add(62, 'years').year()\n","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1264,"value":"md`### Should I wait to retire?\nhighlight the years I will continue working.`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1125,"value":"viewof waitToRetireBrush = barRangeSlider(rangeData, \n d=>d.age+d.monthAge/12,\n group=> d3.max(group.values, d=>d.result),\n {\n height:100,\n yTicks:5,\n yScale:d3.scaleLinear(),\n yFormat: \"\",\n freezeMin:true\n }\n )","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1232,"value":"waitToRetireBrushText = md`If I retired at **age ${parseInt(d3.max(waitToRetireBrush.range),10)}, ${Math.round(11*parseFloat(d3.max(waitToRetireBrush.range)-parseInt(d3.max(waitToRetireBrush.range),10)))} months** under WEP, I would get **$${\nvariableRetireDate(\n parseInt(d3.max(waitToRetireBrush.range),10),\n Math.round(11*parseFloat(\n d3.max(waitToRetireBrush.range)-parseInt(d3.max(waitToRetireBrush.range),10)\n )\n )\n )\n .toFixed(2)\n} per month**. My full retirement age would be ${benefitReductionTable.find(d => d.year === dayjs(birthDatePicked).year()).NormalRetirementAge.toFixed(3)} years old.`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1236,"value":"function variableRetireDate(age, extraMonthsAge) { \n const modRetireDate = addRetirementAgeToBirthdate(birthDatePicked, age, extraMonthsAge);\n\n return getWepMPB(AIMEPicked, birthDatePicked, modRetireDate, yearsSubstantialEarningsPicked, pensionNonCoveredMonthly);\n }\n//getWepMPBTemp (pia, dob, retireDate)\n//getPIA(aime, dob, yearsSubstantialEarnings=null, isWEP=true)","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1135,"value":"rangeData = [62,63,64,65,66,67,68,69,70].map(d=> [0,4,8].map(e=>\n ({result: \n variableRetireDate(d,e),\n \"retireDate\": addRetirementAgeToBirthdate(birthDatePicked, d, e),\n age: d, monthAge: e, ageLabel: [\"retire at\",d,\"years old\"].join(\" \")}))).reduce((accumulator, currentValue) => accumulator.concat(currentValue)).filter(n => n.age < 70 || (n.age === 70 && n.monthAge === 0))","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1525,"value":"md`## Menu of Presets\noptionally choose an XML retiree earning profile:`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1726,"value":"loadRetireeXML = undefined\n//Uncomment to use \"Load your XML\" along with the \"upload\" portion of xmlFileText.\n// We need a way to not lock the whole UI when we enable this one piece\n// viewof loadRetireeeXML = file({\n// title: \"Retiree XML\",\n// description: \"Only .xml files are allowed in this example.\",\n// accept: \".xml\",\n// multiple: false\n// })","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":3590,"value":"perYearEarnings","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1684,"value":"//USE fileText instead of fileTextTemp\nviewof perYearEarnings = form(html`${makePerYearEarningsTable(parsedXmlFileText)}`);","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1593,"value":"$31","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1407,"value":"md`### TODOs\nWe are moving these to [GitHub Issues](https://github.com/codeforboston/windfall-elimination/issues/)\n\n* Clean javascript object for \"Annual earnings covered by Social Security\" and/or the list of presets: *begun in makePerYearEarningsTable() and parsedXmlFileText by Amru*.\n* Math.floor() both PIA with WEP and without WEP to nearest 10cents`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":500,"value":"md`#### Experiment to educated-guess someone's AIME: \nFor second experiment, be sure to set correct birthdate to match earnings data`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2699,"value":"viewof MBPFullRetirementPicker = number({\n title: \"SSA estimated payment at full retirement age in $USD\", \n min: 100, \n max: 5000,\n value: 0, \n format: \"$,\",\n description: \"Shown on SSA mailing as headline – 'Your payment would be about $? a month at full retirement age'. Also known as Maximum Payable Benefit (MBP).\"\n})\n","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":489,"value":"getAIMEwithoutEarnings = getAIME(\n MBPFullRetirementPicker,birthDatePicked\n ,retireDatePicked\n)\n//getWepMPBTemp (pia, dob, retireDate)\n//getPIA(aime, dob, yearsSubstantialEarnings=null, isWEP=true)\n","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2444,"value":"calcedAIMEfromEarnings = getAIMEFromEarnings(perYearEarnings, yearOf62yo-2, maximumEarningsCreditable, averageWageIndexTable)","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2947,"value":"$32","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2955,"value":"parsedXmlFileText","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":0,"value":"md`# The Formulas`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1988,"value":"md`**getSubstantialEarningsYears()** Using earnings inputted by user and the substantialEarnings table, check each year, tally the ones that are strictly greater than the mark suggested by the SSA. That count is the value for the substantial earnings slider. \n\nDefault to 20.`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1700,"value":"function getSubstantialEarningsYears(earnings, substantialEarnings) {\n // NOTE: Assumption - years of substantial earnings includes years where the earnings amount is equal to the substantial earnings value?\n let years = 0;\n let substantialEarningsMap = {};\n if (Array.isArray(substantialEarnings)) {\n substantialEarnings.forEach((earning) => {\n substantialEarningsMap[earning.year]= earning.SubstantialEarnings;\n });\n }\n let earningsYears = Object.keys(earnings);\n if (Array.isArray(earningsYears)) {\n earningsYears.forEach((earningsYear) => {\n if (earnings[earningsYear] >= substantialEarningsMap[earningsYear]) {\n years++;\n }\n });\n }\n if (years === 0) {\n //MAYBE: default to 20 if no data\n return 20\n }\n return years;\n}","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":483,"value":"md`**getAIME()** Reverse engineer the calculation of the Avg Earned Monthly Income (rounding may be off), using maximum payable benefit (MPB), birth date and retirement date.`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":4,"value":"function getAIME(mpb, dob, retireDate) {\n //INCORPORATE ME:\n const yearOf62yo = dayjs(dob).add(62, 'years').year()\n \n const pia = mpb / getBenefitReduction(dob, retireDate);\n const bendP = [findBendPoints(dob).FirstDollarAmtPIA, findBendPoints(dob).SecondDollarAmtPIA];\n let aime;\n if (pia > bendP[0] * 0.9 + (bendP[1] - bendP[0]) * 0.32) {\n aime =\n bendP[1] +\n (pia - (bendP[0] * 0.9 + bendP[1] * 0.32)) / 0.15;\n } else if (pia > bendP[0] * 0.9) {\n aime = bendP[0] + (pia - bendP[0] * 0.9) / 0.32;\n } else {\n aime = pia / 0.9;\n }\n return aime;\n}","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2418,"value":"md`**getAIMEFromEarnings()** Calculates the beneficiary's AIME from their earnings records\n Unlike the getAIME() function, this function generates an exact number,\n rather than a ballpark estimate\n\nParameters:\n\n* rawEarnings, a key-value store for each year as a key, containing earnings as a string.\n* indexingYear, the second year before the beneficiary's year of attainment of age 62\n* maxECTable, an array of objects containing a year, the maximum earnings creditable for that year\n* avgWageIndexTable: the average earnings across all workers in that year\n\n**Returns**: AIME, representing the user's AIME, which is rounded down to an integer\n`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2427,"value":"$33","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2667,"value":"md `**getAggregateColaFactor()** A cost-of-living adjustment (COLA) is applied to the benefit beginning in the second year of eligibility, which for retired workers is age 63. The COLA applies even if a worker has not yet begun to receive benefits. The COLA usually equals the growth in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) from the third quarter of one calendar year to the third quarter of the next year. Beneficiaries will receive a COLA of 2.8% for benefits paid in January 2019.`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2666,"value":"function getAggregateColaFactor(eligibilityYear, retireYearDate) {\n //eligibilityYear is already a numberical year, not a date\n const retireYear = dayjs(retireYearDate).year() //remember the year() here\n \n //You're retiring before you're eligible for COLA\n if (retireYear < eligibilityYear + 1 ) {\n return 1;\n }\n \n // Always use eligibilityYear plus 1, when COLA begins to be applied.\n const colaFactors = getColaFactors(eligibilityYear + 1, retireYear);\n\n const reducer = (accumulator, current) => accumulator * (100 + current) * 0.01;\n const aggColaIncRate = colaFactors.reduce(reducer, 100) * 0.01;\n\n return aggColaIncRate;\n}","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2665,"value":"md `**getColaFactors()** Returns the COLA increases, as percentages (e.g., 2.3%), for a range of calendar years`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2664,"value":"function getColaFactors(yearStart, yearEnd) {\n\n const colaTableFilter = ColaTable.filter(d => d.year >= yearStart && d.year <= yearEnd).map(d => d.Cola)\n\n return colaTableFilter;\n}","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":480,"value":"md`**getBenefitReduction()** Social Security benefits are reduced or increased depending if you retire before or after the designated (fractional) age for your birth year.\n\n**return**: a reduction percentage like 0.767\n`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":18,"value":"$34","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":26,"value":"function findBendPoints(dob) {\n const yearOf62yo = dayjs(dob).add(62, 'years').year()\n return bendPoints.find(d => d.year === yearOf62yo);\n}","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1402,"value":"md`**getPIA()** This can get non-WEP or WEP PIA.\n\n**Returns**: A float, representing the user's Primary Insurance Amount`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":33,"value":"function getPIA(aime, dob, yearsSubstantialEarnings=null, isWEP=true) {\n if (findBendPoints(dob) === undefined) {\n throw new Error(\"Too young – bend points not yet set?\")\n }\n //unpack the two bend points from the object into an array\n const bendP = [findBendPoints(dob).FirstDollarAmtPIA, findBendPoints(dob).SecondDollarAmtPIA];\n \n //between 40% and 90% factor is calculated\n const firstFactor = firstPiaFactor(yearsSubstantialEarnings, isWEP);\n\n let pia;\n \n if (aime > bendP[1]) {\n pia =\n firstFactor * bendP[0] +\n 0.32 * (bendP[1] - bendP[0]) +\n 0.15 * (aime - bendP[1]);\n \n } else if (aime > bendP[0]) {\n pia = firstFactor * bendP[0] + 0.32 * (aime - bendP[0]);\n \n } else {\n pia = firstFactor * aime;\n }\n \n return pia;\n}","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":283,"value":"md`**getWepMPB()** Calculates Social Security benefits of a person affected by WEP. \nIt may be prudent at some point to change this to calculate \"primary insurance amount\" (PIA),\nand apply early retirement later, in order to better work with the\nproposed \"slider\"\n\n**Returns**: A float, representing the user's Maximum Payable Benefit`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1277,"value":"function getWepMPB (aime, dob, retireDate, yearsSubstantialEarnings, pensionNonCoveredMonthly) {\n const standardPIA = getPIA(aime, dob, null, false);\n const wepPIA = getPIA(aime, dob, yearsSubstantialEarnings, true);\n const wepDiff = standardPIA - wepPIA;\n const wepReduction = getGuaranteeLimit(wepDiff, pensionNonCoveredMonthly);\n const finalPIA = standardPIA - wepReduction;\n const retireYear = dayjs(retireDate).year();\n const mpb = finalPIA * getAggregateColaFactor(yearOf62yo, retireYear) * getBenefitReduction(dob, retireDate);\n\n return mpb;\n}","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":324,"value":"md`**firstPiaFactor()** used for the factor/coefficient of the first \"bin\", ranging from 40% to 90%. There are three \"bins\", between the two bendpoints. (The other two bins have constant coefficients, but the bins may be empty.)\n\n*yearsSubstantialEarnings*, an integer representing the user's years of substantial earnings under the WEP\n\n**Returns**: a float to multiply by`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":49,"value":"//between 40% and 90% factor is calculated inside wepCoeff\nfunction firstPiaFactor(yse, isWEP) {\n \n if (!isWEP) {\n return 0.9\n } else if (yse === null) {\n throw new Error(\"Tally of years of substantial earnings are needed for WEP PIA factor\")\n }\n\t//## SU: this \"hardcoded\" approach is obviously not ideal\n\tlet wep_coeff = .4\n\tif (yse <= 20) { wep_coeff = .4 }\n\tif (yse == 21) { wep_coeff = .45}\n\tif (yse == 22) { wep_coeff = .5}\n\tif (yse == 23) { wep_coeff = .55} \n\tif (yse == 24) { wep_coeff = .6 }\n\tif (yse == 25) { wep_coeff = .65 }\n\tif (yse == 26) { wep_coeff = .7}\n\tif (yse == 27) { wep_coeff = .75} \n\tif (yse == 28) { wep_coeff = .8}\n\tif (yse == 29) { wep_coeff = .85}\n\tif (yse >= 30) { wep_coeff = .9}\n\treturn wep_coeff\n}\n","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1886,"value":"md`**getGuaranteeLimit()** limits the amount of WEP benefit reduction to half of the monthly noncovered pension. The guarantee is designed to help protect workers with low pensions from losing too much of their benefits.\n\n*wepDiff*, a float representing the benefit reduction to PIA based on the basic WEP formula \n*pension*, a float representing the monthly dollar amount received from a non-covered pension\n\n**Returns**: a float representing the maximum PIA reduction due to WEP`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1885,"value":"function getGuaranteeLimit(wepDiff, pension) {\n const guaranteeLimit = pension / 2;\n \n return Math.min(wepDiff, guaranteeLimit);\n}","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":407,"value":"md`### The Tables\nare pulled from [this spreadsheet](https://docs.google.com/spreadsheets/d/1EXfjoFpx6e5ypw5te45fDWkBXwFolDSbgHJv9rpdMB0/edit#gid=1895732439) using [this technique](https://observablehq.com/@bryangingechen/importing-data-from-google-spreadsheets-into-a-notebook-we). We should close the write permissions when we're ready.\n`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1340,"value":"viewof useCacheUrlNotSheets = checkbox({\n description: \"Use a cached version of the Google Sheet tables to avoid a Google bug and iOS/Safari bug\",\n options: [{ value: true, label: \"use table cache, not the Google Sheets\" }],\n value: [true]\n})","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2390,"value":"function checkJSONCache (tablename) {\n if (useCacheUrlNotSheets) {\n return cachedSocialSecTables[tablename];\n } else {\n return false;\n }\n}","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2382,"value":"/* Download from left cell menu and paste this into cachedSocialSecTables if an updated cache is needed */\n// uncheck use table cache first. then run this cell:\n// recacheSocialSecTables= ({ColaTable, benefitReductionTable, substantialEarningsMarks, bendPoints, maximumEarningsCreditable, averageWageIndexTable, actuarialValueLumpSumTable,fullRetirementAgeTable})","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2386,"value":"$35","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1296,"value":"ColaTable = checkJSONCache(\"ColaTable\") || d3.csv(\"https://docs.google.com/spreadsheets/d/e/2PACX-1vQ0KGd5_ZHdYIIFPdSzBHkG38FAkGQ04ADGHKkT-ODA64Qr79Ia8g-W1DMNFb4LEC2sh502ybgPeQDF/pub?gid=1291489757&single=true&output=csv\",\n ({Year, COLA}) => \n ({year: +Year,\n Cola: new NumberParser(\"en\").parse(COLA)})\n )","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":526,"value":"benefitReductionTable = checkJSONCache(\"benefitReductionTable\") || d3.csv('https://docs.google.com/spreadsheets/d/e/2PACX-1vQ0KGd5_ZHdYIIFPdSzBHkG38FAkGQ04ADGHKkT-ODA64Qr79Ia8g-W1DMNFb4LEC2sh502ybgPeQDF/pub?gid=297756699&single=true&output=csv',\n ({YearOfBirth, NormalRetirementAge, PctCreditForEachDelayYear, age62,age63,age64,age65,age66,age67,age68,age69,age70}) => \n ({year: +YearOfBirth,\n NormalRetirementAge: +NormalRetirementAge,\n PctCreditForEachDelayYear: +PctCreditForEachDelayYear,\n yearsFrom62: [age62,age63,age64,age65,age66,age67,age68,age69,age70].map(d => +d/100)\n })\n )\n\n","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":265,"value":"substantialEarningsMarks = checkJSONCache(\"substantialEarningsMarks\") || d3.csv('https://docs.google.com/spreadsheets/d/e/2PACX-1vQ0KGd5_ZHdYIIFPdSzBHkG38FAkGQ04ADGHKkT-ODA64Qr79Ia8g-W1DMNFb4LEC2sh502ybgPeQDF/pub?gid=1895732439&single=true&output=csv',\n ({Year, SubstantialEarnings}) => \n ({year: +Year,\n SubstantialEarnings: new NumberParser(\"en\").parse(SubstantialEarnings.replace(\"$\",\"\"))})\n )\n","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":141,"value":"bendPoints = checkJSONCache('bendPoints') || d3.csv('https://docs.google.com/spreadsheets/d/e/2PACX-1vQ0KGd5_ZHdYIIFPdSzBHkG38FAkGQ04ADGHKkT-ODA64Qr79Ia8g-W1DMNFb4LEC2sh502ybgPeQDF/pub?gid=1610617310&single=true&output=csv',\n ({Year, FirstDollarAmtPIA, SecondDollarAmtPIA, DollarAmtInMaxFamilyBenefitFormula, NA, IsActualValue}) => \n ({year: +Year,\n FirstDollarAmtPIA: new NumberParser(\"en\").parse(FirstDollarAmtPIA.replace(\"$\",\"\")),\n SecondDollarAmtPIA: new NumberParser(\"en\").parse(SecondDollarAmtPIA.replace(\"$\",\"\")),\n DollarAmtInMaxFamilyBenefitFormula: new NumberParser(\"en\").parse(DollarAmtInMaxFamilyBenefitFormula.replace(\"$\",\"\")),\n isActualValue: IsActualValue===\"Yes\" || IsActualValue===\"yes\"})\n )","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2450,"value":"// used only for the AIME from earnings calculation.\nmaximumEarningsCreditable = checkJSONCache(\"maximumEarningsCreditable\") || d3.csv('https://docs.google.com/spreadsheets/d/e/2PACX-1vQ0KGd5_ZHdYIIFPdSzBHkG38FAkGQ04ADGHKkT-ODA64Qr79Ia8g-W1DMNFb4LEC2sh502ybgPeQDF/pub?gid=519940844&single=true&output=csv',\n ({Year, TaxRatePct, MaximumWagesTaxable, MaximumAnnualContributions}) => \n ({year: +Year,\n maximumEarningsCreditable: +MaximumWagesTaxable\n })\n )","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2500,"value":"// used only for the AIME from earnings calculation.\naverageWageIndexTable = checkJSONCache(\"averageWageIndexTable\") || d3.csv('https://docs.google.com/spreadsheets/d/e/2PACX-1vQ0KGd5_ZHdYIIFPdSzBHkG38FAkGQ04ADGHKkT-ODA64Qr79Ia8g-W1DMNFb4LEC2sh502ybgPeQDF/pub?gid=1069245443&single=true&output=csv',\n ({Year, AverageWageIndex,LowWage20192, HighWage20192, CalcPercent, TrusteeReportIntermediate20192, TrusteeReportHigh20192, TrusteeReportLow20192,IsActualValue}) => \n ({year: +Year,\n averageWageIndex: +AverageWageIndex,\n isActualValue: IsActualValue === \"Yes\" || IsActualValue === \"yes\"\n })\n )\n","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":3560,"value":"actuarialValueLumpSumTable = checkJSONCache(\"actuarialValueLumpSumTable\") || d3.csv('https://docs.google.com/spreadsheets/d/e/2PACX-1vQ0KGd5_ZHdYIIFPdSzBHkG38FAkGQ04ADGHKkT-ODA64Qr79Ia8g-W1DMNFb4LEC2sh502ybgPeQDF/pub?gid=1500974875&single=true&output=csv',\n ({age, Column20160601, Column20110531, Column20070601, Column20070531}) => \n ({age: +age,\n column20160601: +Column20160601,\n column20110531: +Column20110531,\n column20070601: +Column20070601,\n column20070531: +Column20070531\n })\n )","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":3605,"value":"/* This table is redundant to the benefit reduction table */\nfullRetirementAgeTable = ({\n\t\t'1937': \"65\",\n\t\t'1938': \"65.2\",\n\t\t'1939': \"65.4\",\n\t\t'1940':\t\"65.6\",\n\t\t'1941':\t\"65.8\",\n\t\t'1942':\t\"65.10\",\n\t\t'1943': \"66\",\n\t\t'1944': \"66\",\n\t\t'1945': \"66\",\n\t\t'1946': \"66\",\n\t\t'1947': \"66\",\n\t\t'1948': \"66\",\n\t\t'1949': \"66\",\n\t\t'1950': \"66\",\n\t\t'1951': \"66\",\n\t\t'1952': \"66\",\n\t\t'1953': \"66\",\n\t\t'1954': \"66\",\n\t\t'1955':\t\"66.2\",\n\t\t'1956':\t\"66.4\",\n\t\t'1957':\t\"66.6\",\n\t\t'1958':\t\"66.8\",\n\t\t'1959':\t\"66.10\",\n\t\t'1960': \"67\"}\n)","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1793,"value":"$36","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":410,"value":"md`### Dependencies\nfor the input widget and the NumberParser`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1669,"value":"$37","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":772,"value":"function addRetirementAgeToBirthdate(dob,retireAge,retireAgeMonth) {\n const birthDate = dayjs(dob);\n return birthDate.add(retireAge,'years').add(retireAgeMonth,'months').format('YYYY-MM-DD')\n}","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":706,"value":"dayjs = require('dayjs')","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":849,"value":"import { table } from \"@gampleman/table\"","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":61,"value":"import {select, textarea, file, input, slider, date, radio, checkbox, number} from \"@jashkenas/inputs\"","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":222,"value":"import {NumberParser} from '@mbostock/localized-number-parsing'","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1121,"value":"import {barRangeSlider} from \"@bumbeishvili/data-driven-range-sliders\"","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1686,"value":"import {form} from \"@mbostock/form-input\"","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1523,"value":"fastXml = require('https://bundle.run/fast-xml-parser@3.12.16')","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":126,"value":"d3 = require(\"d3@5\")","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":2828,"value":"$38","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1001,"value":"md`### Extras`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1011,"value":"viewof applyWEP = checkbox({\n description: \"not yet used\",\n options: [{ value: true, label: \"Windfall Elimination Provision applies\" }],\n value: [true]\n})","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":1115,"value":"md`: Recognizing from a picture of their earnings: https://observablehq.com/@rezpe/testing-the-tesseract-js-package and uploader: https://observablehq.com/@rohscx/ocr-with-tesseract-js [Tesseract version of notebook](https://observablehq.com/d/69d510354206aad9)`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":3084,"value":"standardPIA = getPIA(AIMEPicked, birthDatePicked, null, false).toFixed(2)","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":3086,"value":"wepPIA = getPIA(AIMEPicked, birthDatePicked, yearsSubstantialEarningsPicked, true).toFixed(2)","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":3088,"value":"wepDifference = (getPIA(AIMEPicked, birthDatePicked, null, false)-getPIA(AIMEPicked, birthDatePicked, yearsSubstantialEarningsPicked, true)).toFixed(2)","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":3091,"value":"wepMPB = getWepMPB(AIMEPicked, birthDatePicked, retireDatePicked, yearsSubstantialEarningsPicked, pensionNonCoveredMonthly).toFixed(2)","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"},{"id":3427,"value":"eligibilityText = { \n const v = ageToRetirePicked;\n const indexedAge = benefitReductionTable.find(d => d.year === dayjs(birthDatePicked).year()).NormalRetirementAge\n const phrases = [\n ' is younger than full retirement age: penalty applies',\n ' is at least full retirement age, potential bonus',\n ];\n \n return v + phrases[v < benefitReductionTable.find(d => d.year === dayjs(birthDatePicked).year()).NormalRetirementAge ? 0 : 1] + \" (\" + indexedAge.toFixed(2) + \" years old)\"\n}","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","output":"$undefined","database":"$undefined"}],"files":"$W39","stdlib":"1","titling":"auto"}} 2e:"$2d:body"