social-security-calculator 1.0.2 → 2.0.0

package/README.md

@@ -1,14 +1,139 @@
-# SocialSecurityCalculator
-TypeScript to calculate estimated Social Security Benefits
+# Social Security Benefits Calculator
 
+A TypeScript library for calculating Social Security retirement benefits based on official SSA formulas. This calculator handles Average Indexed Monthly Earnings (AIME), Primary Insurance Amount (PIA), and adjustments for early or delayed retirement.
 
- This module will calculate your expected retirement benefits
- from Social Security given your annual earnings
+## Credits
 
- Input:
+This project is forked from [Ryan Antkowiak's SocialSecurityCalculator](https://github.com/antkowiak/SocialSecurityCalculator) python implementation. The original implementation has been refactored with COLA adjustments to bring it into alignment with SSA's Quick Calculator.
 
- Dictionary mapping a year to the amount of Social
- Security eligible earnings in that particular year
+## Features
 
+- Calculate Average Indexed Monthly Earnings (AIME) based on earnings history
+- Determine Primary Insurance Amount (PIA) using current bend points
+- Apply Cost of Living Adjustments (COLA)
+- Handle early retirement reductions
+- Calculate delayed retirement credits
+- Full TypeScript support with comprehensive type definitions
 
-Adapted from python originally written by Ryan Antkowiak
+## Installation
+
+```bash
+npm install social-security-calculator
+```
+
+## Usage
+
+### Quick Start
+
+```typescript
+import { calc } from 'social-security-calculator';
+
+const result = calc(
+  new Date(1960, 0, 15),     // Birthday: January 15, 1960
+  new Date(2027, 0, 15),     // Retirement: January 15, 2027
+  [
+    { year: 1982, earnings: 12000 },
+    { year: 1983, earnings: 15000 },
+    // ... add more years of earnings
+    { year: 2025, earnings: 87000 }
+  ]
+);
+
+console.log(`Monthly benefit: ${result.NormalMonthlyBenefit}`);
+```
+
+### Early Retirement Example
+
+```typescript
+const birthDate = new Date(1965, 5, 1); // June 1, 1965
+const earlyRetirement = new Date(2027, 5, 1); // June 1, 2027 (at age 62)
+
+const result = calc(birthDate, earlyRetirement, earnings);
+// Benefits will be reduced for early retirement
+```
+
+### Delayed Retirement Example
+
+```typescript
+const birthDate = new Date(1955, 2, 15); // March 15, 1955
+const delayedRetirement = new Date(2025, 2, 15); // March 15, 2025 (at age 70)
+
+const result = calc(birthDate, delayedRetirement, earnings);
+// Benefits will include delayed retirement credits
+```
+
+## API Reference
+
+### Main Functions
+
+#### `calc(birthday: Date, retirementDate: Date, earnings: Earnings): BenefitCalculationResult`
+
+Calculates Social Security retirement benefits.
+
+**Parameters:**
+- `birthday`: Date of birth
+- `retirementDate`: Planned retirement date
+- `earnings`: Array of yearly earnings records
+
+**Returns:**
+- `BenefitCalculationResult` object containing:
+  - `AIME`: Average Indexed Monthly Earnings
+  - `NormalMonthlyBenefit`: Monthly benefit amount (in dollars)
+
+#### `calculatePIA(AIME: number, baseYear?: number): number`
+
+Calculates the Primary Insurance Amount based on AIME.
+
+**Parameters:**
+- `AIME`: Average Indexed Monthly Earnings
+- `baseYear`: Optional base year for calculations (defaults to 2023)
+
+#### `calculateAIME(earnings: Earnings, baseYear?: number): number`
+
+Calculates Average Indexed Monthly Earnings from earnings history.
+
+**Parameters:**
+- `earnings`: Array of yearly earnings
+- `baseYear`: Optional base year for wage indexing
+
+### Type Definitions
+
+```typescript
+interface Wage {
+  year: number;
+  earnings: number;
+}
+
+type Earnings = Wage[];
+
+interface BenefitCalculationResult {
+  AIME: number;
+  NormalMonthlyBenefit: number;
+}
+```
+
+## How It Works
+
+1. **AIME Calculation**: The calculator indexes historical earnings to account for wage inflation, selects the highest 35 years of indexed earnings, and computes the monthly average.
+
+2. **PIA Calculation**: Applies SSA bend points to determine the Primary Insurance Amount from the AIME.
+
+3. **Retirement Age Adjustments**:
+   - Early retirement (age 62-66): Benefits are reduced by 5/9 of 1% for each of the first 36 months and 5/12 of 1% for additional months
+   - Delayed retirement (age 67-70): Benefits increase by 2/3 of 1% per month (8% per year) for those born after 1943
+
+4. **COLA Adjustments**: Annual Cost of Living Adjustments are applied starting at age 62.
+
+## Important Notes
+
+- The calculator uses the most recent wage indexes as published by the SSA as of 2025
+- It is designed and tested to exactly align with the [SSA Quick Calculator](https://www.ssa.gov/OACT/quickcalc/index.html)
+- It always uses current dollar value, and does not predict future inflation amounts
+
+## Contributing
+
+Contributions are welcome! Please feel free to submit issues or pull requests.
+
+## License
+
+This project maintains the same license as the original repository. Please refer to the LICENSE file for details.

package/lib/constants.d.ts

@@ -1,16 +1,21 @@
 export declare const EARLY_RETIREMENT_AGE = 62;
 export declare const WAGE_INDEX_CUTOFF = 2023;
 export declare const MAX_RETIREMENT_AGE = 70;
-export declare const LOOKBACK_YEARS = 35;
+export declare const LOOKBACK_YEARS = 40;
+export declare const MAX_DROP_OUT_YEARS = 5;
+export declare const DROP_OUT_YEARS_DIVISOR = 5;
+export declare const ELAPSED_YEARS_START_AGE = 22;
 export declare const BEND_POINT_DIVISOR = 9779.44;
 export declare const FIRST_BEND_POINT_MULTIPLIER = 180;
 export declare const SECOND_BEND_POINT_MULTIPLIER = 1085;
+export declare const CHILD_SURVIVOR_BENEFIT_PERCENTAGE = 0.75;
 export declare const PIA_PERCENTAGES: {
     readonly FIRST_BRACKET: 0.9;
     readonly SECOND_BRACKET: 0.32;
     readonly THIRD_BRACKET: 0.15;
 };
-export declare const EARLY_RETIREMENT_REDUCTION_RATES: {
-    readonly FIRST_36_MONTHS: number;
-    readonly ADDITIONAL_MONTHS: number;
+export declare const EARLY_RETIREMENT_REDUCTION: {
+    readonly FIRST_MONTHS: 36;
+    readonly FIRST_MONTHS_RATE: number;
+    readonly ADDITIONAL_MONTHS_RATE: number;
 };

package/lib/constants.js

@@ -2,16 +2,25 @@
 export const EARLY_RETIREMENT_AGE = 62;
 export const WAGE_INDEX_CUTOFF = 2023;
 export const MAX_RETIREMENT_AGE = 70;
-export const LOOKBACK_YEARS = 35;
-export const BEND_POINT_DIVISOR = 9779.44;
+// LOOKBACK_YEARS This represents the working years between 22 and 62,
+// but it does not filter out the wages of years before and after that range.
+// There is also a drop out of 5 years, to intentionally ignore the lowest 5 years of earnings.
+// Therefore the effective lookback years for Reitirement AIME is 35 years (62 - 22 = 40, minus 5 drop out = 35).
+export const LOOKBACK_YEARS = 40;
+export const MAX_DROP_OUT_YEARS = 5; // Number of years to drop out for AIME calculation
+export const DROP_OUT_YEARS_DIVISOR = 5; // Number of years to divide by for AIME calculation
+export const ELAPSED_YEARS_START_AGE = 22;
+export const BEND_POINT_DIVISOR = 9779.44; // 1977's AWI - used by dividing against current AWI
 export const FIRST_BEND_POINT_MULTIPLIER = 180;
 export const SECOND_BEND_POINT_MULTIPLIER = 1085;
+export const CHILD_SURVIVOR_BENEFIT_PERCENTAGE = 0.75; // 75% of PIA for child survivor benefits
 export const PIA_PERCENTAGES = {
     FIRST_BRACKET: 0.9,
     SECOND_BRACKET: 0.32,
     THIRD_BRACKET: 0.15
 };
-export const EARLY_RETIREMENT_REDUCTION_RATES = {
-    FIRST_36_MONTHS: 5 / 9 * 0.01,
-    ADDITIONAL_MONTHS: 5 / 12 * 0.01 // 5/12 of 1%
+export const EARLY_RETIREMENT_REDUCTION = {
+    FIRST_MONTHS: 36,
+    FIRST_MONTHS_RATE: 5 / 9 * 0.01,
+    ADDITIONAL_MONTHS_RATE: 5 / 12 * 0.01 // 5/12 of 1%
 };

package/lib/index.d.ts

@@ -1,7 +1,9 @@
-import { BenefitCalculationResult, Earnings } from './model';
+import { BenefitCalculationResult, RetirementDates, Earnings } from './model';
 export declare function calc(birthday: Date, retirementDate: Date, earnings: Earnings): BenefitCalculationResult;
-export declare function calcRetirementBenefit(birthday: Date, lastYearEarnings: number, retirementDate: Date, AIME: number): BenefitCalculationResult;
+export declare function retirementDateAdjustedPayment(dates: RetirementDates, colaAdjustedPIA: number): number;
+export declare function calculateRetirementDates(birthday: Date, retirementDate: Date): RetirementDates;
 export declare function calculatePIA(AIME: number, baseYear?: number): number;
-export declare function calculateAIME(earnings: Earnings, baseYear?: number): number;
+export declare function getLookbackYears(elapsedYears: number): number;
+export declare function calculateAIME(earnings: Earnings, yearStartCounter: number, effectiveDay: Date, baseYear?: number): number;
 export declare function getEnglishCommonLawDate(date: Date): Date;
 export declare function getFullRetirementMonths(commonLawBirthDate: Date): number;

package/lib/index.js

@@ -1,35 +1,45 @@
 import { wageIndex } from './wage-index';
-import { EARLY_RETIREMENT_AGE, WAGE_INDEX_CUTOFF, MAX_RETIREMENT_AGE, LOOKBACK_YEARS, BEND_POINT_DIVISOR, FIRST_BEND_POINT_MULTIPLIER, SECOND_BEND_POINT_MULTIPLIER, PIA_PERCENTAGES, EARLY_RETIREMENT_REDUCTION_RATES } from './constants';
+import { EARLY_RETIREMENT_AGE, WAGE_INDEX_CUTOFF, MAX_RETIREMENT_AGE, MAX_DROP_OUT_YEARS, DROP_OUT_YEARS_DIVISOR, BEND_POINT_DIVISOR, FIRST_BEND_POINT_MULTIPLIER, SECOND_BEND_POINT_MULTIPLIER, PIA_PERCENTAGES, EARLY_RETIREMENT_REDUCTION, ELAPSED_YEARS_START_AGE, LOOKBACK_YEARS, CHILD_SURVIVOR_BENEFIT_PERCENTAGE, } from './constants';
 // Main calculation function
 export function calc(birthday, retirementDate, earnings) {
     // Validation
     if (!birthday || !retirementDate) {
         throw new Error('Birthday and retirement date are required');
     }
+    const dates = calculateRetirementDates(birthday, retirementDate);
     if (!earnings || earnings.length === 0) {
         throw new Error('Earnings history cannot be empty');
     }
     if (retirementDate < birthday) {
         throw new Error('Retirement date cannot be before birthday');
     }
-    const lastYearEarnings = earnings
-        .filter(wage => wage.earnings > 0)
-        .reduce((max, wage) => Math.max(max, wage.year), 0);
+    /**
+     * An individual's earnings are always indexed to the average wage level two years prior to the year of first eligibility.
+     * Thus, for a person retiring at age 62 in 2025, the person's earnings would be indexed to the average wage index for 2023.
+     */
     const yearAge60 = birthday.getFullYear() + 60;
-    const averageIndexedMonthlyEarnings = calculateAIME(earnings, yearAge60);
-    const results = calcRetirementBenefit(birthday, lastYearEarnings, retirementDate, averageIndexedMonthlyEarnings);
-    return results;
-}
-export function calcRetirementBenefit(birthday, lastYearEarnings, retirementDate, AIME) {
-    const dates = calculateRetirementDates(birthday, retirementDate);
+    const yearStartCounting = birthday.getFullYear() + ELAPSED_YEARS_START_AGE - 1;
+    const averageIndexedMonthlyEarnings = calculateAIME(earnings, yearStartCounting, retirementDate, yearAge60);
     const age60Year = dates.eclBirthDate.getFullYear() + 60;
-    const primaryInsuranceAmount = calculatePIA(AIME, age60Year);
-    // Calculate COLA adjustments
+    const primaryInsuranceAmount = calculatePIA(averageIndexedMonthlyEarnings, age60Year);
+    const survivorPIA = primaryInsuranceAmount * CHILD_SURVIVOR_BENEFIT_PERCENTAGE;
+    console.log(`Survivor PIA: ${survivorPIA}`);
+    console.log(`Primary Insurance Amount: ${retirementDateAdjustedPayment(dates, survivorPIA)}`);
     const colaAdjustedPIA = calculateCOLAAdjustments(primaryInsuranceAmount, age60Year + 2);
+    const disabilityPIA = retirementDate > dates.fullRetirement ? 0 : Math.floor(colaAdjustedPIA);
+    const results = retirementDateAdjustedPayment(dates, colaAdjustedPIA);
+    return {
+        AIME: averageIndexedMonthlyEarnings,
+        PIA: primaryInsuranceAmount,
+        NormalMonthlyBenefit: results,
+        DisabilityEarnings: disabilityPIA,
+    };
+}
+export function retirementDateAdjustedPayment(dates, colaAdjustedPIA) {
     // Calculate early/delayed retirement adjustments
     const earlyRetireMonths = monthsDifference(dates.adjusted, dates.fullRetirement);
     let adjustedBenefits = colaAdjustedPIA;
-    if (retirementDate < dates.earliestRetirement) {
+    if (dates.retirementDate < dates.earliestRetirement) {
         adjustedBenefits = 0;
     }
     else if (earlyRetireMonths < 0) {
@@ -39,12 +49,9 @@ export function calcRetirementBenefit(birthday, lastYearEarnings, retirementDate
         adjustedBenefits = calculateDelayedRetirementIncrease(dates.eclBirthDate, colaAdjustedPIA, earlyRetireMonths);
     }
     const monthlyBenefit = Math.floor(adjustedBenefits);
-    return {
-        AIME: AIME,
-        NormalMonthlyBenefit: monthlyBenefit,
-    };
+    return monthlyBenefit;
 }
-function calculateRetirementDates(birthday, retirementDate) {
+export function calculateRetirementDates(birthday, retirementDate) {
     const eclBirthDate = getEnglishCommonLawDate(birthday);
     const fraMonths = getFullRetirementMonths(eclBirthDate);
     const earliestRetirement = new Date(eclBirthDate.getFullYear() + EARLY_RETIREMENT_AGE, eclBirthDate.getMonth(), eclBirthDate.getDate());
@@ -56,7 +63,8 @@ function calculateRetirementDates(birthday, retirementDate) {
         fullRetirement,
         maxRetirement,
         adjusted,
-        eclBirthDate
+        eclBirthDate,
+        retirementDate
     };
 }
 function calculateCOLAAdjustments(PIA, startYear) {
@@ -96,7 +104,15 @@ export function calculatePIA(AIME, baseYear) {
     }
     return roundToFloorTenCents(monthlyBenefit);
 }
-export function calculateAIME(earnings, baseYear) {
+export function getLookbackYears(elapsedYears) {
+    const minComputationYears = 2;
+    const dropOutYears = Math.min(Math.floor(elapsedYears / DROP_OUT_YEARS_DIVISOR), MAX_DROP_OUT_YEARS);
+    const adjustedLookbackYears = elapsedYears - dropOutYears;
+    return Math.max(minComputationYears, adjustedLookbackYears);
+}
+export function calculateAIME(earnings, yearStartCounter, effectiveDay, baseYear) {
+    const totalYears = Math.min(LOOKBACK_YEARS, effectiveDay.getFullYear() - yearStartCounter);
+    const lookbackYears = getLookbackYears(totalYears);
     if (!earnings || earnings.length === 0) {
         return 0;
     }
@@ -120,23 +136,23 @@ export function calculateAIME(earnings, baseYear) {
     // Get top 35 years of earnings
     const top35YearsEarningsArr = Object.values(adjustedEarnings)
         .sort((a, b) => b - a)
-        .slice(0, LOOKBACK_YEARS);
+        .slice(0, lookbackYears);
     const totalEarnings = top35YearsEarningsArr.reduce((sum, earnings) => sum + earnings, 0);
     // Calculate AIME (rounded down to next lower dollar)
-    const averageIndexedMonthlyEarnings = Math.floor(totalEarnings / (12 * LOOKBACK_YEARS));
+    const averageIndexedMonthlyEarnings = Math.floor(totalEarnings / (12 * lookbackYears));
     return averageIndexedMonthlyEarnings;
 }
 function calculateEarlyRetirementReduction(amount, months) {
     if (months <= 0)
         return amount;
     let reduction;
-    if (months <= 36) {
-        reduction = months * EARLY_RETIREMENT_REDUCTION_RATES.FIRST_36_MONTHS;
+    if (months <= EARLY_RETIREMENT_REDUCTION.FIRST_MONTHS) {
+        reduction = months * EARLY_RETIREMENT_REDUCTION.FIRST_MONTHS_RATE;
     }
     else {
         reduction =
-            36 * EARLY_RETIREMENT_REDUCTION_RATES.FIRST_36_MONTHS +
-                (months - 36) * EARLY_RETIREMENT_REDUCTION_RATES.ADDITIONAL_MONTHS;
+            EARLY_RETIREMENT_REDUCTION.FIRST_MONTHS * EARLY_RETIREMENT_REDUCTION.FIRST_MONTHS_RATE +
+                (months - EARLY_RETIREMENT_REDUCTION.FIRST_MONTHS) * EARLY_RETIREMENT_REDUCTION.ADDITIONAL_MONTHS_RATE;
     }
     return amount * (1 - reduction);
 }

package/lib/model.d.ts

@@ -2,23 +2,23 @@ export type Earnings = {
     year: number;
     earnings: number;
 }[];
-export type Wage = {
+export type WageIndex = {
     year: number;
-    retirement: number;
-    disability: number;
-    survivors: number;
     taxMax: number;
     cola: number;
     awi: number;
 };
-export type Wages = Wage[];
 export interface BenefitCalculationResult {
     AIME: number;
+    PIA: number;
     NormalMonthlyBenefit: number;
+    DisabilityEarnings: number;
 }
 export interface RetirementDates {
     earliestRetirement: Date;
     fullRetirement: Date;
     maxRetirement: Date;
     adjusted: Date;
+    eclBirthDate: Date;
+    retirementDate: Date;
 }

package/lib/wage-index.d.ts

@@ -1,3 +1,3 @@
-import { Wage, Wages } from './model';
-export declare const wageIndex: Wages;
-export declare const wageIndexFuture: Partial<Wage>[];
+import { WageIndex } from './model';
+export declare const wageIndex: WageIndex[];
+export declare const wageIndexFuture: Partial<WageIndex>[];

package/lib/wage-index.js

@@ -2,675 +2,450 @@
 export const wageIndex = [
     {
         "year": 1951,
-        "retirement": 1802.95,
-        "disability": 1802.95,
-        "survivors": 1802.95,
         "taxMax": 3600,
         "cola": 0,
         "awi": 2799.16
     },
     {
         "year": 1952,
-        "retirement": 1697.35,
-        "disability": 1697.35,
-        "survivors": 1697.35,
         "taxMax": 3600,
         "cola": 0,
         "awi": 2973.32
     },
     {
         "year": 1953,
-        "retirement": 1607.53,
-        "disability": 1607.53,
-        "survivors": 1607.53,
         "taxMax": 3600,
         "cola": 0,
         "awi": 3139.44
     },
     {
         "year": 1954,
-        "retirement": 1599.28,
-        "disability": 1599.28,
-        "survivors": 1599.28,
         "taxMax": 3600,
         "cola": 0,
         "awi": 3155.64
     },
     {
         "year": 1955,
-        "retirement": 13757.87,
-        "disability": 13757.87,
-        "survivors": 13757.87,
         "taxMax": 4200,
         "cola": 0,
         "awi": 3301.44
     },
     {
         "year": 1956,
-        "retirement": 13810.96,
-        "disability": 13810.96,
-        "survivors": 13810.96,
         "taxMax": 4200,
         "cola": 0,
         "awi": 3532.36
     },
     {
         "year": 1957,
-        "retirement": 14320.1,
-        "disability": 14320.1,
-        "survivors": 14320.1,
         "taxMax": 4200,
         "cola": 0,
         "awi": 3641.72
     },
     {
         "year": 1958,
-        "retirement": 14195.05,
-        "disability": 14195.05,
-        "survivors": 14195.05,
         "taxMax": 4200,
         "cola": 0,
         "awi": 3673.8
     },
     {
         "year": 1959,
-        "retirement": 14833.9,
-        "disability": 14833.9,
-        "survivors": 14833.9,
         "taxMax": 4800,
         "cola": 0,
         "awi": 3855.8
     },
     {
         "year": 1960,
-        "retirement": 15113.36,
-        "disability": 15113.36,
-        "survivors": 15113.36,
         "taxMax": 4800,
         "cola": 0,
         "awi": 4007.12
     },
     {
         "year": 1961,
-        "retirement": 15230.47,
-        "disability": 15230.47,
-        "survivors": 15230.47,
         "taxMax": 4800,
         "cola": 0,
         "awi": 4086.76
     },
     {
         "year": 1962,
-        "retirement": 15680.21,
-        "disability": 15680.21,
-        "survivors": 15680.21,
         "taxMax": 4800,
         "cola": 0,
         "awi": 4291.4
     },
     {
         "year": 1963,
-        "retirement": 16070.12,
-        "disability": 16070.12,
-        "survivors": 16070.12,
         "taxMax": 4800,
         "cola": 0,
         "awi": 4396.64
     },
     {
         "year": 1964,
-        "retirement": 16174.36,
-        "disability": 16174.36,
-        "survivors": 16174.36,
         "taxMax": 4800,
         "cola": 0,
         "awi": 4576.32
     },
     {
         "year": 1965,
-        "retirement": 16610.47,
-        "disability": 16610.47,
-        "survivors": 16610.47,
         "taxMax": 4800,
         "cola": 0,
         "awi": 4658.72
     },
     {
         "year": 1966,
-        "retirement": 17032.49,
-        "disability": 17032.49,
-        "survivors": 17032.49,
         "taxMax": 6600,
         "cola": 0,
         "awi": 4938.36
     },
     {
         "year": 1967,
-        "retirement": 17101.82,
-        "disability": 17101.82,
-        "survivors": 17101.82,
         "taxMax": 6600,
         "cola": 0,
         "awi": 5213.44
     },
     {
         "year": 1968,
-        "retirement": 17511.62,
-        "disability": 17511.62,
-        "survivors": 17511.62,
         "taxMax": 7800,
         "cola": 0,
         "awi": 5571.76
     },
     {
         "year": 1969,
-        "retirement": 17982.04,
-        "disability": 17982.04,
-        "survivors": 17982.04,
         "taxMax": 7800,
         "cola": 0,
         "awi": 5893.76
     },
     {
         "year": 1970,
-        "retirement": 18219.6,
-        "disability": 18219.6,
-        "survivors": 18219.6,
         "taxMax": 7800,
         "cola": 0,
         "awi": 6186.24
     },
     {
         "year": 1971,
-        "retirement": 18642.54,
-        "disability": 18642.54,
-        "survivors": 18642.54,
         "taxMax": 7800,
         "cola": 0,
         "awi": 6497.08
     },
     {
         "year": 1972,
-        "retirement": 19100.95,
-        "disability": 19100.95,
-        "survivors": 19100.95,
         "taxMax": 9000,
         "cola": 0,
         "awi": 7133.8
     },
     {
         "year": 1973,
-        "retirement": 19307.75,
-        "disability": 19307.75,
-        "survivors": 19307.75,
         "taxMax": 10800,
         "cola": 0,
         "awi": 7580.16
     },
     {
         "year": 1974,
-        "retirement": 19690.74,
-        "disability": 19690.74,
-        "survivors": 19690.74,
         "taxMax": 13200,
         "cola": 0,
         "awi": 8030.76
     },
     {
         "year": 1975,
-        "retirement": 20270.62,
-        "disability": 20270.62,
-        "survivors": 20270.62,
         "taxMax": 14100,
         "cola": 8,
         "awi": 8630.92
     },
     {
         "year": 1976,
-        "retirement": 20603.13,
-        "disability": 20603.13,
-        "survivors": 20603.13,
         "taxMax": 15300,
         "cola": 6.4,
         "awi": 9226.48
     },
     {
         "year": 1977,
-        "retirement": 20986.34,
-        "disability": 20986.34,
-        "survivors": 20986.34,
         "taxMax": 16500,
         "cola": 5.9,
         "awi": 9779.44
     },
     {
         "year": 1978,
-        "retirement": 21354.77,
-        "disability": 21354.77,
-        "survivors": 21354.77,
         "taxMax": 17700,
         "cola": 6.5,
         "awi": 10556.03
     },
     {
         "year": 1979,
-        "retirement": 21835.12,
-        "disability": 21835.12,
-        "survivors": 21835.12,
         "taxMax": 22900,
         "cola": 9.9,
         "awi": 11479.46
     },
     {
         "year": 1980,
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package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "social-security-calculator",
-  "version": "1.0.2",
+  "version": "2.0.0",
   "description": "Calculate estimated Social Security Benefits",
   "main": "lib/index.js",
   "types": "lib/index.d.ts",
@@ -44,6 +44,7 @@
     "compound-calc": "^4.0.3",
     "csvtojson": "^2.0.10",
     "jest": "^29.7.0",
+    "minimist": "^1.2.8",
     "playwright": "^1.54.1",
     "ts-jest": "^29.1.1",
     "typescript": "^4.8.3"