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the total remuneration is to be divided. Since, in the usual case, the "average monthly remuneration" for survivor purposes is based on compensation paid after June 30, 1949, the months in the divisor will usually begin in the next few years, with July, 1949. The months in the divisor are counted on an elapsed basis; that is, the divisor is the number of months after June, 1949, and before the calendar quarter in which the pilot dies, excluding (a) months in quarters before the pilot is 32 which were not quarters of coverage, and (b) months in quarters in any part of which a retirement annuity is payable to the pilot.

51. Q. Before you go any further, will you give some examples of average monthly remuneration creditable for survivor purposes? Suppose my compensation for the period July 1, 1949-Junes 30, 1959, is the same as the example in question 30. What would be my average monthly remuneration if I should die in the third quarter of 1959?

A. First, eliminate from the compensation any amount in excess of $9000 in a calendar year. The total creditable compensation for survivor purposes would be $90,000 divided by 120, or $750.

52. Q. Suppose I should quit air line service at the end of June, 1959, when I am 40, to take a job in another line and die in the third quarter of 1964. What would my average monthly remuneration be at that time if my compensation creditable for survivor purposes form July, 1949 through June, 1959, is the same as in the preceding question, $90,000?

A. Your creditable compensation would, of course, not be affected. The number of elapsed completed quarters, however, would be larger by 20-- 2 quarters in 1959, all the quarters in 1960, 1961, 1962 and 1963, and 2 quarters in 1964. The total number of elapsed quarters, therefore, would be 60. The months in the divisor would be 3 times 60, or 180. The average monthly remuneration would be $90,000 divided 180, or $500.

53. Q. I am the person referred to in questions 51 and 52. Suppose I were to be disqualified as a pilot in the third quarter of 1959, retire on the $200 annuity, and die in the third quarter of 1964. Would my average monthly remuneration be $500?

A. No. In working out the divisor, all the months in the quarters in any part of which you were on annuity would be eliminated so that your average monthly remuneration would remain what it was at the time you retired. In this case it would be &750, as in question 51.

54. Q. In the answer to question 50 it was indicated that the "average monthly remuneration" for survivor purposes is normally based on creditable compensation and elapsed quarters after June, 1949. Under what circumstances would the "average monthly remuneration" be based on some other period?

A. In the case of a pilot with credit for service before July 1949, who dies before January 1, 1953, two calculations are made. First, the