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  Now Showing: Reduction Factors
 

There are two tables of reduction factors shown below for non-disability pensions.
- Joint Annuity Factors
- Ten-Year Certain Factors
Non-Disability Joint Annuity Factors
Applied to Regular, Early, or Vested Pension Amounts
 
Without Pop-Up
Amount to be continued to Contingent Annuitant
With Pop-Up*
Amount to be continued to Contigent Annuitant
 
50%
(Husband & Wife)
100%
(Joint & Survivor)
50%
(Husband & Wife)
100%
(Joint & Survivor)
Beneficiary's Age in Relation to Retiree's Age
 
 
 
 
Each Additional
Year Older
0.4%
0.5%
0.4%
0.5%
+10 Years
95.0%
88.0%
94.0%
86.5%
9
94.6%
87.5%
93.6%
86.0%
8
94.2%
87.0%
93.2%
85.5%
7
93.8%
86.5%
92.8%
85.0%
6
93.4%
86.0%
92.4%
84.5%
5
93.0%
85.5%
92.0%
84.0%
4
92.6%
85.0%
91.6%
83.5%
3
92.2%
84.5%
91.2%
83.0%
2
91.8%
84.0%
90.8%
82.5%
1
91.4%
83.5%
90.4%
82.0%
Same Age
91.0%
83.0%
90.0%
81.5%
-1
90.6%
82.5%
89.6%
81.0%
-2
90.2%
82.0%
89.2%
80.5%
-3
89.8%
81.5%
88.8%
80.0%
-4
89.4%
81.0%
88.4%
79.5%
-5
89.0%
80.5%
88.0%
79.0%
-6
88.6%
80.0%
87.6%
78.5%
-7
88.2%
79.5%
87.2%
78.0%
-8
87.8%
79.0%
86.8%
77.5%
-9
87.4%
78.5%
86.4%
77.0%
-10
87.0%
78.0%
86.0%
76.5%
Each Additional Year Younger
-0.4%
-0.5%
-0.4%
-0.5%
* If the contingent annuitant pre-deceases the retiree, the retiree's benefit will "Pop-Up" to its full value.
 
Ten-Year Certain Option (Non-Disability Only) Factors
Applied to Regular, Early or Vested Pension Amounts
Age of Participant on Effective Date
Factor (%)*
Age of Participant on Effective Date
Factor (%)*
55
98.20%
73
88.55%
56
98.01%
74
87.50%
57
97.80%
75
86.37%
58
97.56%
76
85.19%
59
97.29%
77
83.96%
60
96.98%
78
82.69%
61
96.64%
79
81.41%
62
96.25%
80
80.10%
63
95.81%
81
78.80%
64
95.33%
82
77.49%
65
94.79%
83
76.21%
66
94.20%
84
74.95%
67
93.55%
85
73.72%
68
92.86%
86
72.54%
69
92.12%
87
71.39%
70
91.32%
88
70.29%
71
90.46%
89
69.23%
72
89.54%
90
68.20%
* Factors for non-exact ages are pro-rated between the two bracketing ages.

   
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