; (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); or (ii) is an individual— (I) who is described in subsection (aa)(7); and (II) who, if the individual were entitled to and did receive a widower's or widower's insurance benefit for the month, would receive a benefit that would be increased under subsection (aa) to the maximum amount permissible under paragraph (6) of such subsection. (3) For purposes of paragraph (1), a determination of the total number of increment months for an individual shall be made each time the individual becomes entitled or re-entitled to a widow's or widower's insurance benefit or begins receiving such a benefit after a period during which the individual did not receive the benefit pursuant to a request under section 202(z) that such benefit not be paid. (4) This subsection shall be applied to a widow's or widower's insurance benefit— (A) after application of subsections (e)(2)(C), (f)(2)(C), and (aa) (as applicable); and (B) before any other reduction under this title. (5) For purposes of paragraph (1)(A), the applicable percentage for an individual is— (A) 1/12 of 1 percent in the case of an individual who attains early retirement age in any calendar year before 1979; (B) 1/4 of 1 percent in the case of an individual who attains early retirement age in any calendar year after 1978 and before 1987; (C) in the case of an individual who attains early retirement age in a calendar year after 1986 and before 2005, a percentage equal to the applicable percentage in effect under this subparagraph for persons who attain early retirement age in the preceding calendar year (as increased pursuant to this clause), plus 1/24 of 1 percent if the calendar year in which the individual involved attains early retirement age is not evenly divisible by 2