; or (B) the amount of the old-age insurance benefit to which such deceased individual would have been entitled (after application of subsection (q) and, where applicable, subsection (w)) for such month if such individual were still living and section 215(f)(5), 215(f)(6), or 215(f)(9)(B) were applied, where applicable. (7) An individual described in this section is an individual who is entitled to a widow's or widower's insurance benefit that is subject to reduction under subparagraph (D) of subsection (e)(2) or (f)(2) of section 202 (as applicable). (bb) Increase in widow's and widower's insurance benefit amounts on account of delayed receipt of benefit (1) Subject to paragraph (6), the amount of a widow's or widower's insurance benefit (other than a benefit based on a primary insurance amount determined under section 215(a)(3) as in effect in December 1978 or section 215(a)(1)(C)(i) as in effect thereafter) which is payable without regard to this subsection to an individual for a month shall be increased by— (A) the applicable percentage (as determined for the individual under paragraph (5)) of such amount, multiplied by (B) the number (if any) of the increment months for such individual. (2) For purposes of this subsection, the number of increment months for any individual shall be a number equal to the total number of months beginning on or after January 1, 2020, during which— (A) the individual— (i) would have been entitled to a widow's or widower's insurance benefit except that the individual had not filed an application for such benefit; or (ii) was entitled to a widow's or widower's insurance benefit that the individual did not receive pursuant to a request under section 202(z) that such benefit not be paid; (B) the individual had attained retirement age (as defined in section 216(l)(1)); (C) the individual was not under a penalty imposed under section 1129A; and (D) the individual— (i) is not an individual described in subsection (aa)(7)