Jobsaver:
Point loads or concentrated loads are not included in these tables, and there is no simple rule of thumb to include them. They are more complicated to tabulate than uniform loads. You must know some real engineering and understand the development of the beams formulas and be able to manipulate them to include or add point loads to the tabulated info. You’re sorta asking for a Ph.D. in Structural Engineering in one forum post. But, I’m glad you are finally considering the possibility that there might be loads on headers and girders in addition to the simple uniform loading from some tributary floor widths, which became the primary design basis of your original question about the 3 or 4 ply built-up 2x6 center line fl. girder with about 6' spans, on a 20' wide bldg. I had this post pretty well along before I saw your post #27, so we’ll get to some of that later.
First lets talk a bit about the IRC and the two tables R502.5(1) & (2), and I’m looking at the 2006IRC also. The IRC is set up pretty conservatively to keep you BO’s and builders out of trouble, much of the time, without needing engineering help on many of the problems you encounter, as long as you follow the IRC and understand its limitations. It is based on the IBC and the old std. “design in accordance with acceptable engineering practice.” This does not mean every condition you encounter can be taken care of without some engineering involvement, or that every situation is covered by a table or code section, and you must know when you need that help. We would never set it up that way for fear that we would go hungry for lack of paying work.

The footnotes and sub headings in these types of tables are very important and every word must be read for its most restrictive meaning. I believe these two tables basically originated a number of code generations ago, long before the ICC, IBC or IRC, the general format looks familiar, but I haven’t really dug into their exact assumptions and variables or span values for a long time. However, let me lay down a few ground rules, or some of my thoughts about how they work and how the values were determined. Starting at the top of table R502.5(1):
1.) These are for girders and headers in exterior walls which will pick up half the roof load on a std. gable roof system, whether framed with rafters or metal plate connected trusses, plus some portion of the ceiling/attic load as indicated in the left column of the table. And, while you see 20, 28 & 36' for bldg. widths, a 2' overhang is probably included. Then they may also pick up floor loads, either center bearing (or near center bearing), which means that one half of each jst. span length goes to its exterior wall; or clear spanned which puts all the floor loading on the two exterior walls, as if using parallel chord fl. trusses. Draw some cross sections of these different bldgs. for all five of the vert. groupings in the left column of the table, with a view toward how these various loads get to the two exterior walls. Pick some reasonable DL’s & LL’s and tabulate them, at each level, on each wall or header, in lbs./lf of wall, and let’s talk about and check them, before you start using the beam formulas. Also note that the snow load increases as you move to the right in the table and that the bldg. width increases moving to the right under each snow loading sub-group, increasing the wall loadings. And, you should start to see heavier loadings and members and/or shorter spans for a given member as you move right and downward in the table. This should answer some of your questions in post #27.
2.) Now the second item down in the heading: they allow for four different groups of lumber, and then the all important footnote ‘b’, #2 grade lumber. This sets the allowable stresses for our design and tabulation, or the max. span length for a simple beam; this will be primarily a bending and deflection consideration problem, but may be a horiz. shear stress issue too, for the given pieces of lumber. But, if you look in the NDS, you’ll find that each of the groups of lumber have different allowable stresses and E’s (modulus of elasticity), so they will have used the lowest of the lumber species groups for the tabulation. They will also have used some set of average DL’s for roofs, ceilings and floor systems, and will likely have considered some typical amount of interior walls, which can be considered a uniform loading on the girder when they are parallel to the girder. Walls perpendicular to the girder cause concentrated loads on that girder and should usually have doubled joists under them, and are more than likely not included in these tabulations, that’s why I kept harping at you about them. You really must know when DL’s loads and various other load conditions exceed the assumptions used in developing these tables. And, that’s obviously not being understood, nor are those assumptions well spelled out in the tabulations, other than to say assume average DL’s.
3.) As you move down the page and to the right, for any given size of header, you finally need more than one or two jack studs. This is because the header reaction and thus the bearing stresses (and compression perpendicular to the grain) have gotten large enough so that 1.5" or 3" of bearing is not enough bearing length, and furthermore the jack studs acting as columns need to be larger for their assumed length and loading.
4.) I haven’t really studied all the variables and assumptions used in developing these tables for some time now, one would have to do some calcs. on random members at various loads and spans to start to hone in on the assumptions which were used in developing these tables. Finally, it might be easier to talk to the people who actually developed these tables for this code to really ascertain all of their assumptions and minor variations of variables. But, the basic engineering remains unchanged from when they were first developed years ago.
The table R502.5(2) involves essentially the same thinking as above, but obviously doesn’t include roof loads, but may include ceiling/attic loads, and must assume stacked bearing walls right over the girder. Table R502.3.1(2) for joists may be the simplest table to do some basic beam calcs. on, to get your feet wet, since it has the fewest hidden assumptions, in its development. The stress grade, member size and span length are obvious, the DL & LL are straight forward, except for the adjustment for the jst. spacing to convert the load from #/sf to #/lf. Then you apply the beam formulas to get moments, shears and deflections, and go to the NDS for actual stress calcs. and compare them to the allowable stresses and deflections, to determine if the member passes or fails.
DRP has given a couple bending moment equations in recent posts, M=WL/8 for a uniform load and M=PL/4 for a point load at center span and noted that if P=W, in magnitude, the bending moment and thus the stresses are doubled for the point load on a simple beam. He also showed the beam formulas for a simple beam, uniformly loaded, post #17, in DarrenE’s thread on ‘number of jack studs,’ and I believe he started to outline some of the stress calcs. for your original girder question. I believe his beam formula figure #1 came right out of the NDS code books, which show many different loading conditions and types of beams. There are other places to see these same formulas.
I believe changes in these tables from one generation of the code to the next will have most to do with the poorer quality lumber we are having to use these days, and thus lower allowable stresses and E values. There are also changes in the code requirements and various adjustment factors in the codes. The underlying engineering, strength of materials, stress analysis, etc. has not really changed. All of the above is what we keep calling “design in accordance with acceptable engineering practice,” picking a girder or header from these tables is not engineering, even though the tables are based on acceptable engineering practice. If you are going to do anything other than picking a header from the tables, after truly understanding the limitations of that table, you are starting to do some engineering and you better understand what you are doing and your own limitations. You really must be comfortable determining DL’s & LL’s, tributary areas, types of loads, concentrated or uniform, load paths from origin of the load to the bearing soil. And then you must be comfortable using the beam formulas and combining them as appropriate for the types of loads or spans involved, or you should probably be asking for engineering help. Since, just as for Architects and Engineers, you should really not be practicing engineering activities beyond your experience and training level. Thus, the admonition that if it isn’t specifically in the prescriptive code (the IRC) you should get engineering help, or have the builder get an Engineering involved.