The RRA limits the points at which your annuity can be tested for the Special Guaranty increase.
- You Have a Disability Freeze - The Special Guaranty increase can begin the later of:
- your annuity beginning date; or,
- if a disability waiting period is required, the first full month after the five-month disability waiting period. (The waiting period begins with the date of your disability onset and extends five full calendar months. If you had a disability freeze in the past which terminated based on recovery from disability, a new waiting period may not be required).
- You Do Not Have a Disability Freeze - The Special Guaranty increase would be based on your age as explained in the next section.