Pennsylvania Bulletin

PA Bulletin, Doc. No. 97-1200a

[27 Pa.B. 3726]

[Continued from previous Web Page]

Table 3
EARLY RETIREMENT FACTORS - MEN

Age at Normal Retirement Age

With-
drawal 50 51 52 53 54 55 56 57 58 59 60 61 62

30 0.345975 0.325994 0.306929 0.288748 0.271418 0.254912

33 0.400633 0.377496 0.355419 0.334365 0.314298 0.295183 0.276987 0.259677 0.243223

36 0.465630 0.438739 0.413080 0.388611 0.365288 0.343073 0.321925 0.301807 0.282682 0.264515 0.247272

39 0.543403 0.512021 0.482076 0.453519 0.426301 0.400375 0.375695 0.352217 0.329898 0.308696 0.288573

42 0.637096 0.600303 0.565195 0.531715 0.499804 0.469407 0.440472 0.412945 0.386778 0.361921 0.338328 0.315956 0.294754

45 0.750779 0.707420 0.666048 0.626593 0.588988 0.553168 0.519069 0.486631 0.455794 0.426502 0.398699 0.372335 0.347349

46 0.793997 0.748142 0.704388 0.662662 0.622893 0.585010 0.548949 0.514643 0.482032 0.451054 0.421650 0.393768 0.367344

47 0.840255 0.791728 0.745426 0.701269 0.659182 0.619093 0.580930 0.544626 0.510115 0.477332 0.446215 0.416709 0.388746

48 0.889813 0.838425 0.789392 0.742630 0.698061 0.655607 0.615194 0.576749 0.540202 0.505485 0.472533 0.441287 0.411674

49 0.942956 0.888498 0.836536 0.786982 0.739751 0.694762 0.651935 0.611194 0.572464 0.535674 0.500755 0.467642 0.436260

50 0.942248 0.887142 0.834590 0.784502 0.736792 0.691374 0.648168 0.607095 0.568080 0.531048 0.495932 0.462652

51 0.941517 0.885744 0.832586 0.781951 0.733749 0.687895 0.644305 0.602898 0.563596 0.526328 0.491009

52 0.940762 0.884302 0.830522 0.779326 0.730624 0.684327 0.640348 0.598604 0.559021 0.521508

53 0.939984 0.882818 0.828398 0.776629 0.727417 0.680668 0.636297 0.594222 0.554346

54 0.939183 0.881289 0.826215 0.773860 0.724127 0.676923 0.632161 0.589739

55 0.938357 0.879716 0.823971 0.771018 0.720756 0.673096 0.627927

60 0.937507 0.878100 0.821668 0.768105 0.717313 0.669178

57 0.936633 0.876439 0.819306 0.765129 0.713784

58 0.935733 0.874735 0.816892 0.762074

59 0.948811 0.872997 0.814413

60 0.933874 0.871206

61 0.932894

Note: Appropriate factors have been developed for intervening ages at the beginning of the table.

Table 4
EARLY RETIREMENT FACTORS - WOMEN

Age at Normal Retirement Age

With-
drawal 50 51 52 53 54 55 56 57 58 59 60 61 62

30 0.364684 0.344918 0.326012 0.307937 0.290611 0.274158

33 0.419938 0.397177 0.375407 0.354593 0.334700 0.315696 0.297551 0.280233 0.263715

36 0.485005 0.458718 0.433575 0.409536 0.386560 0.364612 0.343655 0.323655 0.304577 0.286389 0.269060

39 0.562034 0.531572 0.502435 0.474578 0.447954 0.422520 0.398234 0.375057 0.352950 0.331873 0.311793

42 0.653747 0.618314 0.584423 0.552020 0.521051 0.491467 0.463219 0.436260 0.410544 0.386029 0.362671 0.340431 0.319268

45 0.763634 0.722245 0.682657 0.644808 0.608633 0.574076 0.541080 0.509589 0.479552 0.450915 0.423632 0.397653 0.372933

46 0.805044 0.761410 0.719676 0.679774 0.641638 0.605207 0.570422 0.537223 0.505557 0.475368 0.446604 0.419217 0.393157

47 0.849160 0.803135 0.759114 0.717026 0.676800 0.638372 0.601681 0.566663 0.533261 0.501417 0.471078 0.442190 0.414701

48 0.896197 0.847623 0.801163 0.756744 0.714290 0.673734 0.635009 0.598052 0.562800 0.529192 0.497173 0.466684 0.437673

49 0.946391 0.895096 0.846034 0.779127 0.754295 0.711468 0.670574 0.631547 0.594321 0.558831 0.525018 0.492821 0.462186

50 0.945800 0.893958 0.844394 0.797022 0.751769 0.708559 0.667321 0.627986 0.590486 0.554758 0.520738 0.488366

51 0.945187 0.892783 0.842697 0.794850 0.749164 0.705563 0.663974 0.624325 0.586549 0.550579 0.516353

52 0.944556 0.891565 0.840944 0.792609 0.746479 0.702478 0.660530 0.620563 0.582508 0.546297

53 0.943899 0.890306 0.839134 0.790296 0.743712 0.699302 0.656989 0.616700 0.578363

54 0.943221 0.889008 0.837268 0.787915 0.740865 0.696037 0.653353 0.612738

55 0.942522 0.887668 0.835344 0.785462 0.737936 0.692683 0.649623

56 0.941800 0.886285 0.833361 0.782937 0.734924 0.689238

57 0.941054 0.884860 0.831320 0.780340 0.731831

58 0.940285 0.883391 0.829218 0.777670

59 0.939492 0.881879 0.827058

60 0.938675 0.880323

61 0.937836

Note: Appropriate factors have been developed for intervening ages at the beginning of the table.

Table 5
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - MALE MEMBER WITH FEMALE BENEFICIARY

Age of Age of Member

Bene-
ficiary 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55

30 0.8009 0.7916 0.7819 0.7718 0.7613 0.7505 0.7394 0.7279 0.7161 0.7040 0.6915 0.6787 0.6656 0.6523 0.6386 0.6247

35 0.8209 0.8119 0.8025 0.7927 0.7825 0.7720 0.7610 0.7497 0.7380 0.7259 0.7134 0.7006 0.6875 0.6740 0.6602 0.6461

40 0.8423 0.8339 0.8251 0.8158 0.8061 0.7960 0.7854 0.7744 0.7630 0.7511 0.7388 0.7262 0.7131 0.6996 0.6858 0.6716

45 0.8644 0.8568 0.8488 0.8403 0.8313 0.8219 0.8120 0.8016 0.7907 0.7794 0.7676 0.7553 0.7425 0.7293 0.7157 0.7016

50 0.8862 0.8796 0.8726 0.8652 0.8572 0.8488 0.8398 0.8304 0.8204 0.8099 0.7989 0.7873 0.7752 0.7626 0.7494 0.7358

55 0.9067 0.9013 0.8955 0.8892 0.8825 0.8753 0.8676 0.8594 0.8506 0.8413 0.8315 0.8210 0.8100 0.7984 0.7861 0.7733

60 0.9252 0.9209 0.9163 0.9114 0.9060 0.9002 0.8939 0.8871 0.8798 0.8720 0.8636 0.8547 0.8451 0.8349 0.8241 0.8127

65 0.9413 0.9381 0.9347 0.9309 0.9268 0.9223 0.9175 0.9122 0.9065 0.9003 0.8936 0.8864 0.8786 0.8702 0.8612 0.8515

70 0.9549 0.9526 0.9502 0.9475 0.9445 0.9413 0.9377 0.9338 0.9296 0.9250 0.9200 0.9145 0.9085 0.9020 0.8950 0.8874

75 0.9661 0.9646 0.9629 0.9610 0.9590 0.9568 0.9543 0.9516 0.9487 0.9454 0.9419 0.9380 0.9337 0.9291 0.9240 0.9184

56 57 58 59 60 61 62 63 64 65 66 67 68 69 70

30 0.6105 0.5961 0.5814 0.5666 0.5516 0.5364 0.5211 0.5057 0.4901 0.4745 0.4589 0.4433 0.4276 0.4120 0.3965

35 0.6317 0.6170 0.6021 0.5870 0.5716 0.5561 0.5404 0.5245 0.5086 0.4925 0.4764 0.4603 0.4441 0.4280 0.4120

40 0.6571 0.6423 0.6271 0.6117 0.5960 0.5801 0.5640 0.5478 0.5313 0.5148 0.4981 0.4814 0.4647 0.4480 0.4313

45 0.6871 0.6722 0.6570 0.6414 0.6255 0.6093 0.5929 0.5762 0.5593 0.5422 0.5250 0.5077 0.4904 0.4730 0.4556

50 0.7216 0.7070 0.6919 0.6764 0.6605 0.6442 0.6275 0.6106 0.5933 0.5758 0.5581 0.5402 0.5222 0.5041 0.4860

55 0.7600 0.7460 0.7315 0.7164 0.7009 0.6848 0.6682 0.6513 0.6339 0.6162 0.5981 0.5798 0.5612 0.5425 0.5236

60 0.8006 0.7878 0.7744 0.7604 0.7457 0.7304 0.7144 0.6980 0.6809 0.6634 0.6454 0.6269 0.6081 0.5890 0.5696

65 0.8412 0.8302 0.8185 0.8060 0.7929 0.7790 0.7644 0.7491 0.7331 0.7164 0.6991 0.6812 0.6627 0.6437 0.6242

70 0.8792 0.8703 0.8607 0.8504 0.8394 0.8276 0.8151 0.8017 0.7876 0.7726 0.7568 0.7403 0.7230 0.7050 0.6863

75 0.9123 0.9056 0.8984 0.8905 0.8820 0.8727 0.8627 0.8519 0.8403 0.8279 0.8146 0.8004 0.7853 0.7694 0.7526

Table 6
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - MALE MEMBER WITH MALE BENEFICIARY

Age of Age of Member

Bene-
ficiary 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55

30 0.8225 0.8135 0.8042 0.7944 0.7843 0.7737 0.7628 0.7515 0.7398 0.7277 0.7152 0.7024 0.6893 0.6758 0.6620 0.6479

35 0.8440 0.8356 0.8268 0.8176 0.8080 0.7979 0.7874 0.7764 0.7650 0.7532 0.7409 0.7283 0.7152 0.7019 0.6879 0.6738

40 0.8661 0.8586 0.8506 0.8422 0.8333 0.8239 0.8141 0.8038 0.7930 0.7817 0.7699 0.7576 0.7449 0.7317 0.7181 0.7041

45 0.8878 0.8814 0.8744 0.8670 0.8592 0.8508 0.8420 0.8326 0.8227 0.8123 0.8013 0.7898 0.7778 0.7652 0.7521 0.7385

50 0.9082 0.9029 0.8971 0.8910 0.8844 0.8773 0.8697 0.8616 0.8529 0.8437 0.8340 0.8236 0.8127 0.8012 0.7890 0.7763

55 0.9265 0.9224 0.9178 0.9130 0.9077 0.9020 0.8958 0.8891 0.8820 0.8743 0.8660 0.8572 0.8478 0.8377 0.8270 0.8157

60 0.9424 0.9393 0.9359 0.9323 0.9283 0.9239 0.9191 0.9140 0.9084 0.9023 0.8958 0.8887 0.8810 0.8728 0.8639 0.8544

65 0.9558 0.9536 0.9512 0.9486 0.9457 0.9426 0.9391 0.9353 0.9312 0.9267 0.9218 0.9165 0.9106 0.9043 0.8974 0.8900

70 0.9669 0.9654 0.9637 0.9619 0.9600 0.9578 0.9554 0.9528 0.9500 0.9468 0.9434 0.9396 0.9354 0.9309 0.9259 0.9205

75 0.9758 0.9748 0.9737 0.9726 0.9713 0.9699 0.9683 0.9666 0.9647 0.9626 0.9604 0.9579 0.9551 0.9520 0.9487 0.9450

56 57 58 59 60 61 62 63 64 65 66 67 68 69 70

30 0.6335 0.6189 0.6039 0.5887 0.5733 0.5577 0.5420 0.5261 0.5101 0.4940 0.4779 0.4617 0.4455 0.4294 0.4133

35 0.6592 0.6444 0.6292 0.6138 0.5981 0.5822 0.5660 0.5497 0.5333 0.5167 0.5000 0.4833 0.4665 0.4497 0.4330

40 0.6896 0.6747 0.6595 0.6439 0.6280 0.6118 0.5953 0.5786 0.5617 0.5446 0.5273 0.5100 0.4926 0.4751 0.4577

45 0.7244 0.7098 0.6948 0.6793 0.6634 0.6471 0.6304 0.6134 0.5962 0.5786 0.5609 0.5430 0.5249 0.5068 0.4886

50 0.7630 0.7491 0.7347 0.7197 0.7041 0.6881 0.6716 0.6546 0.6373 0.6195 0.6015 0.5831 0.5645 0.5457 0.5268

55 0.8037 0.7911 0.7778 0.7638 0.7492 0.7340 0.7182 0.7017 0.6848 0.6672 0.6493 0.6308 0.6120 0.5929 0.5734

60 0.8442 0.8334 0.8218 0.8095 0.7965 0.7828 0.7683 0.7531 0.7372 0.7206 0.7034 0.6855 0.6671 0.6481 0.6287

65 0.8819 0.8732 0.8638 0.8537 0.8429 0.8313 0.8189 0.8057 0.7917 0.7769 0.7613 0.7449 0.7278 0.7099 0.6913

70 0.9145 0.9081 0.9010 0.8933 0.8850 0.8759 0.8661 0.8555 0.8442 0.8319 0.8189 0.8049 0.7900 0.7743 0.7576

75 0.9409 0.9365 0.9315 0.9261 0.9202 0.9137 0.9066 0.8988 0.8904 0.8811 0.8711 0.8602 0.8485 0.8358 0.8222

Table 7
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - FEMALE MEMBER WITH FEMALE BENEFICIARY

Age of Age of Member

Bene-
ficiary 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55

30 0.8453 0.8378 0.8300 0.8218 0.8133 0.8044 0.7952 0.7856 0.7757 0.7654 0.7547 0.7437 0.7324 0.7207 0.7087 0.6963

31 0.8628 0.8558 0.8485 0.8408 0.8327 0.8242 0.8154 0.8061 0.7965 0.7865 0.7760 0.7652 0.7540 0.7425 0.7305 0.7182

40 0.8806 0.8744 0.8678 0.8607 0.8533 0.8454 0.8372 0.8285 0.8194 0.8099 0.7999 0.7895 0.7786 0.7674 0.7557 0.7436

45 0.8981 0.8927 0.8869 0.8808 0.8742 0.8672 0.8598 0.8519 0.8436 0.8348 0.8256 0.8158 0.8056 0.7949 0.7838 0.7721

50 0.9146 0.9101 0.9053 0.9001 0.8946 0.8886 0.8822 0.8754 0.8681 0.8603 0.8521 0.8433 0.8341 0.8243 0.8140 0.8031

55 0.9296 0.9260 0.9222 0.9180 0.9135 0.9086 0.9034 0.8977 0.8917 0.8851 0.8781 0.8706 0.8626 0.8540 0.8450 0.8353

60 0.9428 0.9401 0.9372 0.9340 0.9305 0.9267 0.9226 0.9181 0.9133 0.9081 0.9024 0.8963 0.8897 0.8827 0.8751 0.8669

65 0.9543 0.9523 0.9502 0.9478 0.9452 0.9424 0.9394 0.9360 0.9324 0.9284 0.9241 0.9194 0.9143 0.9087 0.9027 0.8962

70 0.9641 0.9627 0.9612 0.9595 0.9577 0.9557 0.9535 0.9511 0.9485 0.9457 0.9425 0.9391 0.9354 0.9313 0.9268 0.9219

75 0.9724 0.9714 0.9704 0.9693 0.9680 0.9667 0.9652 0.9635 0.9618 0.9598 0.9576 0.9553 0.9527 0.9498 0.9467 0.9433

56 57 58 59 60 61 62 63 64 65 66 67 68 69 70

30 0.6837 0.6707 0.6574 0.6439 0.6300 0.6160 0.6016 0.5871 0.5723 0.5574 0.5422 0.5270 0.5116 0.4961 0.4805

35 0.7056 0.6925 0.6792 0.6655 0.6515 0.6372 0.6227 0.6078 0.5928 0.5775 0.5620 0.5464 0.5306 0.5147 0.4986

40 0.7311 0.7181 0.7048 0.6911 0.6771 0.6628 0.6480 0.6330 0.6176 0.6021 0.5862 0.5702 0.5540 0.5376 0.5211

45 0.7600 0.7474 0.7344 0.7209 0.7070 0.6927 0.6780 0.6629 0.6474 0.6316 0.6156 0.5992 0.5826 0.5658 0.5488

50 0.7918 0.7799 0.7675 0.7545 0.7411 0.7271 0.7127 0.6977 0.6824 0.6666 0.6505 0.6339 0.6171 0.5999 0.5825

55 0.8251 0.8143 0.8029 0.7909 0.7783 0.7652 0.7514 0.7371 0.7223 0.7069 0.6910 0.6746 0.6578 0.6406 0.6230

60 0.8582 0.8488 0.8389 0.8283 0.8171 0.8053 0.7928 0.7796 0.7658 0.7514 0.7363 0.7206 0.7043 0.6875 0.6701

65 0.8892 0.8816 0.8735 0.8647 0.8553 0.8452 0.8345 0.8230 0.8109 0.7980 0.7844 0.7701 0.7550 0.7393 0.7229

70 0.9166 0.9109 0.9046 0.8978 0.8904 0.8824 0.8738 0.8645 0.8545 0.8437 0.8322 0.8200 0.8069 0.7931 0.7784

75 0.9395 0.9354 0.9309 0.9260 0.9206 0.9147 0.9082 0.9012 0.8936 0.8853 0.8763 0.8666 0.8561 0.8449 0.8327

Table 8
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - FEMALE MEMBER WITH MALE BENEFICIARY

Age of Age of Member

Bene-
ficiary 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55

30 0.8641 0.8572 0.8499 0.8423 0.8342 0.8258 0.8170 0.8078 0.7982 0.7882 0.7778 0.7670 0.7558 0.7443 0.7323 0.7200

35 0.8820 0.8758 0.8692 0.8622 0.8549 0.8471 0.8389 0.8303 0.8212 0.8117 0.8018 0.7914 0.7806 0.7694 0.7577 0.7457

40 0.8994 0.8941 0.8884 0.8823 0.8758 0.8689 0.8615 0.8537 0.8455 0.8368 0.8276 0.8179 0.8078 0.7971 0.7860 0.7744

45 0.9158 0.9114 0.9067 0.9016 0.8961 0.8902 0.8839 0.8771 0.8699 0.8622 0.8541 0.8454 0.8363 0.8266 0.8163 0.8056

50 0.9307 0.9272 0.9234 0.9193 0.9149 0.9101 0.9049 0.8994 0.8934 0.8869 0.8800 0.8726 0.8647 0.8563 0.8473 0.8378

55 0.9438 0.9411 0.9382 0.9351 0.9317 0.9280 0.9240 0.9196 0.9149 0.9097 0.9042 0.8982 0.8917 0.8848 0.8773 0.8692

60 0.9551 0.9532 0.9511 0.9488 0.9463 0.9435 0.9405 0.9373 0.9337 0.9298 0.9256 0.9210 0.9160 0.9106 0.9047 0.8983

65 0.9648 0.9634 0.9620 0.9603 0.9586 0.9566 0.9545 0.9522 0.9496 0.9468 0.9438 0.9405 0.9368 0.9328 0.9285 0.9237

70 0.9730 0.9720 0.9710 0.9699 0.9687 0.9674 0.9660 0.9644 0.9627 0.9608 0.9587 0.9564 0.9539 0.9511 0.9481 0.9447

75 0.9797 0.9791 0.9785 0.9778 0.9770 0.9761 0.9752 0.9742 0.9730 0.9718 0.9704 0.9689 0.9673 0.9655 0.9635 0.9613

56 57 58 59 60 61 62 63 64 65 66 67 68 69 70

30 0.7074 0.6944 0.6810 0.6673 0.6533 0.6390 0.6244 0.6096 0.5945 0.5792 0.5637 0.5480 0.5322 0.5163 0.5002

35 0.7332 0.7203 0.7070 0.6933 0.6792 0.6648 0.6501 0.6351 0.6197 0.6041 0.5883 0.5722 0.5560 0.5396 0.5230

40 0.7624 0.7498 0.7368 0.7234 0.7095 0.6952 0.6805 0.6654 0.6499 0.6341 0.6180 0.6016 0.5850 0.5682 0.5511

45 0.7943 0.7825 0.7701 0.7572 0.7438 0.7299 0.7155 0.7006 0.6853 0.6695 0.6534 0.6368 0.6200 0.6028 0.5854

50 0.8276 0.8169 0.8056 0.7937 0.7813 0.7682 0.7545 0.7403 0.7255 0.7101 0.6943 0.6780 0.6612 0.6439 0.6263

55 0.8606 0.8514 0.8416 0.8312 0.8201 0.8084 0.7960 0.7830 0.7692 0.7549 0.7399 0.7243 0.7081 0.6913 0.6740

60 0.8914 0.8840 0.8760 0.8674 0.8581 0.8482 0.8376 0.8263 0.8143 0.8016 0.7881 0.7739 0.7590 0.7434 0.7270

65 0.9186 0.9129 0.9068 0.9001 0.8929 0.8851 0.8766 0.8675 0.8576 0.8471 0.8358 0.8237 0.8108 0.7972 0.7827

70 0.9411 0.9371 0.9327 0.9279 0.9226 0.9169 0.9106 0.9038 0.8963 0.8882 0.8795 0.8699 0.8597 0.8486 0.8367

75 0.9588 0.9562 0.9532 0.9500 0.9464 0.9425 0.9382 0.9335 0.9283 0.9225 0.9163 0.9094 0.9019 0.8937 0.8848

Table 9
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - MALE MEMBER WITH FEMALE BENEFICIARY

Age of Age of Member

Bene-
ficiary 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55

30 0.8895 0.8837 0.8776 0.8712 0.8645 0.8575 0.8502 0.8426 0.8346 0.8263 0.8176 0.8086 0.7993 0.7895 0.7795 0.7690

35 0.9016 0.8962 0.8904 0.8844 0.8780 0.8713 0.8643 0.8569 0.8492 0.8412 0.8327 0.8240 0.8148 0.8052 0.7953 0.7850

40 0.9144 0.9094 0.9041 0.8986 0.8926 0.8864 0.8798 0.8728 0.8655 0.8579 0.8498 0.8414 0.8325 0.8233 0.8136 0.8036

45 0.9273 0.9229 0.9182 0.9132 0.9079 0.9022 0.8962 0.8899 0.8831 0.8760 0.8685 0.8606 0.8522 0.8435 0.8343 0.8246

50 0.9397 0.9360 0.9320 0.9277 0.9231 0.9182 0.9129 0.9073 0.9013 0.8950 0.8882 0.8810 0.8734 0.8653 0.8568 0.8478

55 0.9511 0.9481 0.9448 0.9414 0.9376 0.9335 0.9291 0.9244 0.9193 0.9138 0.9080 0.9017 0.8950 0.8879 0.8803 0.8722

60 0.9611 0.9588 0.9563 0.9536 0.9507 0.9474 0.9440 0.9402 0.9361 0.9316 0.9268 0.9216 0.9161 0.9100 0.9036 0.8967

65 0.9697 0.9681 0.9662 0.9642 0.9620 0.9596 0.9570 0.9541 0.9510 0.9475 0.9438 0.9398 0.9354 0.9306 0.9254 0.9198

70 0.9769 0.9757 0.9744 0.9730 0.9714 0.9697 0.9678 0.9658 0.9635 0.9610 0.9583 0.9553 0.9521 0.9485 0.9446 0.9403

75 0.9828 0.9820 0.9811 0.9801 0.9791 0.9779 0.9766 0.9752 0.9737 0.9720 0.9701 0.9680 0.9657 0.9632 0.9605 0.9574

56 57 58 59 60 61 62 63 64 65 66 67 68 69 70

30 0.7582 0.7469 0.7353 0.7234 0.7110 0.6983 0.6852 0.6717 0.6578 0.6436 0.6291 0.6143 0.5991 0.5836 0.5679

35 0.7743 0.7632 0.7517 0.7397 0.7274 0.7147 0.7016 0.6881 0.6742 0.6600 0.6454 0.6304 0.6151 0.5995 0.5835

40 0.7931 0.7822 0.7708 0.7591 0.7469 0.7343 0.7213 0.7078 0.6939 0.6797 0.6650 0.6500 0.6346 0.6188 0.6027

45 0.8145 0.8040 0.7930 0.7815 0.7696 0.7573 0.7444 0.7311 0.7174 0.7032 0.6886 0.6735 0.6581 0.6422 0.6260

50 0.8383 0.8284 0.8179 0.8070 0.7955 0.7836 0.7712 0.7582 0.7448 0.7308 0.7164 0.7015 0.6861 0.6703 0.6541

55 0.8636 0.8545 0.8449 0.8348 0.8241 0.8129 0.8011 0.7888 0.7759 0.7625 0.7485 0.7340 0.7190 0.7034 0.6873

60 0.8893 0.8813 0.8729 0.8639 0.8543 0.8442 0.8334 0.8221 0.8102 0.7976 0.7845 0.7707 0.7563 0.7413 0.7258

65 0.9138 0.9072 0.9002 0.8926 0.8845 0.8758 0.8665 0.8566 0.8460 0.8348 0.8229 0.8103 0.7971 0.7832 0.7686

70 0.9357 0.9307 0.9252 0.9192 0.9127 0.9057 0.8981 0.8900 0.8812 0.8717 0.8616 0.8508 0.8393 0.8270 0.8140

75 0.9541 0.9505 0.9465 0.9421 0.9373 0.9320 0.9263 0.9200 0.9132 0.9058 0.8978 0.8891 0.8798 0.8697 0.8588

Table 10
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - MALE MEMBER WITH MALE BENEFICIARY

Age of Age of Member

Bene-
ficiary 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55

30 0.9026 0.8972 0.8914 0.8854 0.8791 0.8724 0.8654 0.8581 0.8504 0.8424 0.8340 0.8252 0.8161 0.8065 0.7966 0.7863

35 0.9154 0.9105 0.9052 0.8997 0.8938 0.8876 0.8810 0.8741 0.8668 0.8592 0.8512 0.8428 0.8340 0.8248 0.8151 0.8051

40 0.9283 0.9239 0.9193 0.9143 0.9091 0.9035 0.8975 0.8912 0.8845 0.8774 0.8700 0.8621 0.8538 0.8451 0.8359 0.8263

45 0.9406 0.9369 0.9330 0.9288 0.9243 0.9194 0.9142 0.9087 0.9027 0.8964 0.8897 0.8826 0.8750 0.8670 0.8585 0.8496

50 0.9519 0.9490 0.9458 0.9423 0.9386 0.9346 0.9303 0.9256 0.9206 0.9152 0.9095 0.9033 0.8967 0.8896 0.8821 0.8741

55 0.9618 0.9596 0.9572 0.9545 0.9516 0.9484 0.9450 0.9413 0.9373 0.9329 0.9282 0.9231 0.9176 0.9117 0.9053 0.8985

60 0.9703 0.9687 0.9669 0.9649 0.9628 0.9604 0.9579 0.9551 0.9520 0.9487 0.9450 0.9411 0.9367 0.9321 0.9270 0.9215

65 0.9774 0.9763 0.9750 0.9736 0.9721 0.9704 0.9686 0.9666 0.9644 0.9620 0.9593 0.9564 0.9532 0.9497 0.9459 0.9418

70 0.9832 0.9824 0.9815 0.9806 0.9796 0.9784 0.9772 0.9758 0.9743 0.9727 0.9709 0.9689 0.9666 0.9642 0.9615 0.9586

75 0.9877 0.9872 0.9867 0.9861 0.9854 0.9847 0.9839 0.9830 0.9820 0.9810 0.9798 0.9785 0.9770 0.9754 0.9737 0.9717

56 57 58 59 60 61 62 63 64 65 66 67 68 69 70

30 0.7756 0.7645 0.7530 0.7411 0.7288 0.7161 0.7030 0.6895 0.6756 0.6614 0.6467 0.6318 0.6164 0.6008 0.5849

35 0.7946 0.7837 0.7724 0.7607 0.7485 0.7359 0.7229 0.7095 0.6956 0.6813 0.6667 0.6516 0.6362 0.6204 0.6044

40 0.8163 0.8058 0.7948 0.7834 0.7715 0.7591 0.7463 0.7331 0.7193 0.7052 0.6905 0.6755 0.6601 0.6442 0.6280

45 0.8402 0.8303 0.8199 0.8090 0.7976 0.7857 0.7733 0.7604 0.7470 0.7331 0.7187 0.7038 0.6885 0.6727 0.6565

50 0.8656 0.8566 0.8470 0.8370 0.8264 0.8152 0.8035 0.7913 0.7785 0.7651 0.7511 0.7367 0.7217 0.7061 0.6901

55 0.8912 0.8834 0.8750 0.8661 0.8566 0.8466 0.8360 0.8247 0.8129 0.8004 0.7873 0.7736 0.7593 0.7444 0.7289

60 0.9155 0.9091 0.9022 0.8947 0.8867 0.8782 0.8690 0.8592 0.8487 0.8376 0.8259 0.8134 0.8003 0.7865 0.7720

65 0.9372 0.9323 0.9269 0.9211 0.9147 0.9079 0.9004 0.8924 0.8838 0.8745 0.8645 0.8538 0.8424 0.8303 0.8175

70 0.9554 0.9518 0.9479 0.9436 0.9390 0.9339 0.9283 0.9222 0.9155 0.9083 0.9004 0.8919 0.8827 0.8728 0.8621

75 0.9696 0.9672 0.9646 0.9617 0.9584 0.9549 0.9510 0.9467 0.9420 0.9368 0.9311 0.9249 0.9180 0.9106 0.9024

Table 11
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - FEMALE MEMBER WITH FEMALE BENEFICIARY

Age of Age of Member

Bene-
ficiary 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55

30 0.9162 0.9117 0.9071 0.9022 0.8970 0.8916 0.8859 0.8799 0.8737 0.8671 0.8602 0.8530 0.8455 0.8377 0.8295 0.8210

35 0.9263 0.9223 0.9180 0.9135 0.9087 0.9036 0.8983 0.8927 0.8867 0.8805 0.8739 0.8670 0.8598 0.8522 0.8443 0.8360

40 0.9365 0.9330 0.9292 0.9251 0.9208 0.9162 0.9114 0.9062 0.9007 0.8949 0.8888 0.8824 0.8755 0.8684 0.8608 0.8529

45 0.9463 0.9433 0.9401 0.9366 0.9329 0.9289 0.9246 0.9200 0.9155 0.9100 0.9044 0.8986 0.8924 0.8858 0.8788 0.8714

50 0.9554 0.9529 0.9503 0.9474 0.9443 0.9410 0.9374 0.9335 0.9294 0.9249 0.9201 0.9150 0.9095 0.9037 0.8975 0.8908

55 0.9635 0.9616 0.9595 0.9573 0.9548 0.9521 0.9492 0.9461 0.9427 0.9391 0.9351 0.9308 0.9262 0.9213 0.9160 0.9103

60 0.9706 0.9691 0.9676 0.9659 0.9640 0.9620 0.9597 0.9573 0.9547 0.9518 0.9487 0.9453 0.9417 0.9377 0.9334 0.9287

65 0.9766 0.9756 0.9744 0.9732 0.9718 0.9704 0.9687 0.9669 0.9650 0.9629 0.9605 0.9580 0.9552 0.9522 0.9489 0.9453

70 0.9817 0.9810 0.9802 0.9793 0.9784 0.9773 0.9762 0.9749 0.9736 0.9721 0.9704 0.9686 0.9666 0.9644 0.9620 0.9594

75 0.9860 0.9855 0.9850 0.9844 0.9837 0.9830 0.9823 0.9814 0.9805 0.9795 0.9784 0.9771 0.9758 0.9743 0.9726 0.9708

56 57 58 59 60 61 62 63 64 65 66 67 68 69 70

30 0.8121 0.8029 0.7933 0.7834 0.7730 0.7623 0.7513 0.7398 0.7280 0.7158 0.7032 0.6902 0.6769 0.6632 0.6491

35 0.8274 0.8183 0.8089 0.7992 0.7890 0.7784 0.7675 0.7561 0.7443 0.7322 0.7196 0.7067 0.6933 0.6796 0.6655

40 0.8446 0.8360 0.8269 0.8174 0.8075 0.7971 0.7864 0.7752 0.7636 0.7516 0.7392 0.7263 0.7130 0.6993 0.6852

45 0.8637 0.8555 0.8469 0.8378 0.8284 0.8185 0.8081 0.7973 0.7860 0.7742 0.7620 0.7494 0.7363 0.7227 0.7087

50 0.8838 0.8763 0.8684 0.8601 0.8513 0.8420 0.8322 0.8220 0.8112 0.8000 0.7882 0.7760 0.7632 0.7499 0.7362

55 0.9042 0.8976 0.8907 0.8832 0.8753 0.8670 0.8581 0.8487 0.8387 0.8283 0.8173 0.8057 0.7936 0.7809 0.7677

60 0.9237 0.9182 0.9124 0.9061 0.8994 0.8921 0.8844 0.8762 0.8674 0.8580 0.8481 0.8376 0.8265 0.8148 0.8025

65 0.9414 0.9371 0.9325 0.9274 0.9220 0.9161 0.9098 0.9029 0.8956 0.8877 0.8792 0.8701 0.8604 0.8501 0.8391

70 0.9565 0.9534 0.9499 0.9461 0.9420 0.9375 0.9326 0.9273 0.9215 0.9152 0.9084 0.9011 0.8932 0.8846 0.8754

75 0.9688 0.9666 0.9642 0.9616 0.9586 0.9554 0.9519 0.9480 0.9438 0.9392 0.9341 0.9286 0.9225 0.9159 0.9087

Table 12
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - FEMALE MEMBER WITH MALE BENEFICIARY

Age of Age of Member

Bene-
ficiary 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55

30 0.9271 0.9231 0.9189 0.9144 0.9096 0.9046 0.8993 0.8937 0.8878 0.8815 0.8750 0.8681 0.8609 0.8534 0.8455 0.8372

35 0.9373 0.9338 0.9300 0.9260 0.9217 0.9172 0.9124 0.9073 0.9018 0.8961 0.8900 0.8836 0.8768 0.8697 0.8622 0.8543

40 0.9470 0.9441 0.9409 0.9375 0.9338 0.9298 0.9256 0.9211 0.9163 0.9111 0.9056 0.8998 0.8937 0.8871 0.8802 0.8729

45 0.9561 0.9536 0.9510 0.9482 0.9452 0.9419 0.9383 0.9345 0.9304 0.9260 0.9213 0.9162 0.9108 0.9050 0.8989 0.8923

50 0.9641 0.9622 0.9602 0.9580 0.9555 0.9529 0.9501 0.9470 0.9437 0.9401 0.9362 0.9320 0.9275 0.9226 0.9173 0.9117

55 0.9711 0.9697 0.9681 0.9665 0.9646 0.9626 0.9605 0.9581 0.9555 0.9527 0.9497 0.9464 0.9428 0.9389 0.9346 0.9300

60 0.9770 0.9760 0.9749 0.9737 0.9724 0.9709 0.9693 0.9676 0.9657 0.9636 0.9614 0.9589 0.9562 0.9532 0.9500 0.9464

65 0.9821 0.9814 0.9806 0.9798 0.9788 0.9778 0.9767 0.9755 0.9742 0.9727 0.9711 0.9693 0.9674 0.9652 0.9629 0.9603

70 0.9863 0.9858 0.9853 0.9847 0.9841 0.9834 0.9827 0.9819 0.9810 0.9800 0.9789 0.9777 0.9764 0.9749 0.9733 0.9716

75 0.9898 0.9895 0.9891 0.9888 0.9884 0.9879 0.9874 0.9869 0.9863 0.9857 0.9850 0.9842 0.9834 0.9824 0.9814 0.9802

56 57 58 59 60 61 62 63 64 65 66 67 68 69 70

30 0.8286 0.8196 0.8102 0.8005 0.7903 0.7798 0.7688 0.7575 0.7457 0.7336 0.7210 0.7081 0.6947 0.6810 0.6668

35 0.8460 0.8374 0.8283 0.8189 0.8090 0.7987 0.7880 0.7768 0.7652 0.7532 0.7408 0.7279 0.7146 0.7009 0.6868

40 0.8652 0.8570 0.8485 0.8395 0.8301 0.8202 0.8098 0.7991 0.7878 0.7761 0.7639 0.7513 0.7382 0.7246 0.7106

45 0.8854 0.8780 0.8701 0.8618 0.8531 0.8439 0.8341 0.8239 0.8133 0.8021 0.7904 0.7781 0.7654 0.7522 0.7385

50 0.9057 0.8992 0.8924 0.8850 0.8772 0.8689 0.8601 0.8508 0.8409 0.8305 0.8196 0.8081 0.7960 0.7834 0.7703

55 0.9251 0.9198 0.9140 0.9078 0.9012 0.8940 0.8864 0.8783 0.8696 0.8603 0.8505 0.8401 0.8291 0.8175 0.8053

60 0.9426 0.9384 0.9339 0.9290 0.9236 0.9179 0.9116 0.9049 0.8976 0.8899 0.8815 0.8726 0.8630 0.8528 0.8420

65 0.9575 0.9545 0.9511 0.9474 0.9434 0.9390 0.9342 0.9290 0.9234 0.9172 0.9106 0.9033 0.8955 0.8871 0.8781

70 0.9696 0.9675 0.9652 0.9626 0.9598 0.9566 0.9532 0.9495 0.9453 0.9408 0.9359 0.9305 0.9245 0.9181 0.9111

75 0.9790 0.9776 0.9761 0.9744 0.9725 0.9704 0.9681 0.9656 0.9628 0.9597 0.9563 0.9526 0.9484 0.9439 0.9389

Table 13
4% COMPOUND INTEREST FACTORS

Years Years

1. 1.0400 19. 2.1068

2. 1.0816 20. 2.1911

3. 1.1248 21. 2.2787

4. 1.1698 22. 2.3699

5. 1.2166 23. 2.4647

6. 1.2653 24. 2.5633

7. 1.3159 25. 2.6658

8. 1.3685 26. 2.7724

9. 1.4233 27. 2.8833

10. 1.4802 28. 2.9987

11. 1.5394 29. 3.1186

12. 1.6010 30. 3.2433

13. 1.6650 31. 3.3731

14. 1.7316 32. 3.5080

15. 1.8009 33. 3.6483

16. 1.8729 34. 3.7943

17. 1.9479 35. 3.9460

18. 2.0258

[Pa.B. Doc. No. 97-1200. Filed for public inspection July 25, 1997, 9:00 a.m.]

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[27 Pa.B. 3726]

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Table 3
EARLY RETIREMENT FACTORS - MEN

Table 4
EARLY RETIREMENT FACTORS - WOMEN

Table 5
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - MALE MEMBER WITH FEMALE BENEFICIARY

Table 6
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - MALE MEMBER WITH MALE BENEFICIARY

Table 7
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - FEMALE MEMBER WITH FEMALE BENEFICIARY

Table 8
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - FEMALE MEMBER WITH MALE BENEFICIARY

Table 9
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - MALE MEMBER WITH FEMALE BENEFICIARY

Table 10
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - MALE MEMBER WITH MALE BENEFICIARY

Table 11
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - FEMALE MEMBER WITH FEMALE BENEFICIARY

Table 12
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - FEMALE MEMBER WITH MALE BENEFICIARY

Table 13
4% COMPOUND INTEREST FACTORS

[Pa.B. Doc. No. 97-1200. Filed for public inspection July 25, 1997, 9:00 a.m.]

Age at	Normal Retirement Age
With- drawal	50	51	52	53	54	55	56	57	58	59	60	61	62
30	0.345975	0.325994	0.306929	0.288748	0.271418	0.254912
33	0.400633	0.377496	0.355419	0.334365	0.314298	0.295183	0.276987	0.259677	0.243223
36	0.465630	0.438739	0.413080	0.388611	0.365288	0.343073	0.321925	0.301807	0.282682	0.264515	0.247272
39	0.543403	0.512021	0.482076	0.453519	0.426301	0.400375	0.375695	0.352217	0.329898	0.308696	0.288573
42	0.637096	0.600303	0.565195	0.531715	0.499804	0.469407	0.440472	0.412945	0.386778	0.361921	0.338328	0.315956	0.294754
45	0.750779	0.707420	0.666048	0.626593	0.588988	0.553168	0.519069	0.486631	0.455794	0.426502	0.398699	0.372335	0.347349
46	0.793997	0.748142	0.704388	0.662662	0.622893	0.585010	0.548949	0.514643	0.482032	0.451054	0.421650	0.393768	0.367344
47	0.840255	0.791728	0.745426	0.701269	0.659182	0.619093	0.580930	0.544626	0.510115	0.477332	0.446215	0.416709	0.388746
48	0.889813	0.838425	0.789392	0.742630	0.698061	0.655607	0.615194	0.576749	0.540202	0.505485	0.472533	0.441287	0.411674
49	0.942956	0.888498	0.836536	0.786982	0.739751	0.694762	0.651935	0.611194	0.572464	0.535674	0.500755	0.467642	0.436260
50		0.942248	0.887142	0.834590	0.784502	0.736792	0.691374	0.648168	0.607095	0.568080	0.531048	0.495932	0.462652
51			0.941517	0.885744	0.832586	0.781951	0.733749	0.687895	0.644305	0.602898	0.563596	0.526328	0.491009
52				0.940762	0.884302	0.830522	0.779326	0.730624	0.684327	0.640348	0.598604	0.559021	0.521508
53					0.939984	0.882818	0.828398	0.776629	0.727417	0.680668	0.636297	0.594222	0.554346
54						0.939183	0.881289	0.826215	0.773860	0.724127	0.676923	0.632161	0.589739
55							0.938357	0.879716	0.823971	0.771018	0.720756	0.673096	0.627927
60								0.937507	0.878100	0.821668	0.768105	0.717313	0.669178
57									0.936633	0.876439	0.819306	0.765129	0.713784
58										0.935733	0.874735	0.816892	0.762074
59											0.948811	0.872997	0.814413
60												0.933874	0.871206
61													0.932894

Age at	Normal Retirement Age
With- drawal	50	51	52	53	54	55	56	57	58	59	60	61	62
30	0.364684	0.344918	0.326012	0.307937	0.290611	0.274158
33	0.419938	0.397177	0.375407	0.354593	0.334700	0.315696	0.297551	0.280233	0.263715
36	0.485005	0.458718	0.433575	0.409536	0.386560	0.364612	0.343655	0.323655	0.304577	0.286389	0.269060
39	0.562034	0.531572	0.502435	0.474578	0.447954	0.422520	0.398234	0.375057	0.352950	0.331873	0.311793
42	0.653747	0.618314	0.584423	0.552020	0.521051	0.491467	0.463219	0.436260	0.410544	0.386029	0.362671	0.340431	0.319268
45	0.763634	0.722245	0.682657	0.644808	0.608633	0.574076	0.541080	0.509589	0.479552	0.450915	0.423632	0.397653	0.372933
46	0.805044	0.761410	0.719676	0.679774	0.641638	0.605207	0.570422	0.537223	0.505557	0.475368	0.446604	0.419217	0.393157
47	0.849160	0.803135	0.759114	0.717026	0.676800	0.638372	0.601681	0.566663	0.533261	0.501417	0.471078	0.442190	0.414701
48	0.896197	0.847623	0.801163	0.756744	0.714290	0.673734	0.635009	0.598052	0.562800	0.529192	0.497173	0.466684	0.437673
49	0.946391	0.895096	0.846034	0.779127	0.754295	0.711468	0.670574	0.631547	0.594321	0.558831	0.525018	0.492821	0.462186
50		0.945800	0.893958	0.844394	0.797022	0.751769	0.708559	0.667321	0.627986	0.590486	0.554758	0.520738	0.488366
51			0.945187	0.892783	0.842697	0.794850	0.749164	0.705563	0.663974	0.624325	0.586549	0.550579	0.516353
52				0.944556	0.891565	0.840944	0.792609	0.746479	0.702478	0.660530	0.620563	0.582508	0.546297
53					0.943899	0.890306	0.839134	0.790296	0.743712	0.699302	0.656989	0.616700	0.578363
54						0.943221	0.889008	0.837268	0.787915	0.740865	0.696037	0.653353	0.612738
55							0.942522	0.887668	0.835344	0.785462	0.737936	0.692683	0.649623
56								0.941800	0.886285	0.833361	0.782937	0.734924	0.689238
57									0.941054	0.884860	0.831320	0.780340	0.731831
58										0.940285	0.883391	0.829218	0.777670
59											0.939492	0.881879	0.827058
60												0.938675	0.880323
61													0.937836

Age of	Age of Member
Bene- ficiary	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55
30	0.8009	0.7916	0.7819	0.7718	0.7613	0.7505	0.7394	0.7279	0.7161	0.7040	0.6915	0.6787	0.6656	0.6523	0.6386	0.6247
35	0.8209	0.8119	0.8025	0.7927	0.7825	0.7720	0.7610	0.7497	0.7380	0.7259	0.7134	0.7006	0.6875	0.6740	0.6602	0.6461
40	0.8423	0.8339	0.8251	0.8158	0.8061	0.7960	0.7854	0.7744	0.7630	0.7511	0.7388	0.7262	0.7131	0.6996	0.6858	0.6716
45	0.8644	0.8568	0.8488	0.8403	0.8313	0.8219	0.8120	0.8016	0.7907	0.7794	0.7676	0.7553	0.7425	0.7293	0.7157	0.7016
50	0.8862	0.8796	0.8726	0.8652	0.8572	0.8488	0.8398	0.8304	0.8204	0.8099	0.7989	0.7873	0.7752	0.7626	0.7494	0.7358
55	0.9067	0.9013	0.8955	0.8892	0.8825	0.8753	0.8676	0.8594	0.8506	0.8413	0.8315	0.8210	0.8100	0.7984	0.7861	0.7733
60	0.9252	0.9209	0.9163	0.9114	0.9060	0.9002	0.8939	0.8871	0.8798	0.8720	0.8636	0.8547	0.8451	0.8349	0.8241	0.8127
65	0.9413	0.9381	0.9347	0.9309	0.9268	0.9223	0.9175	0.9122	0.9065	0.9003	0.8936	0.8864	0.8786	0.8702	0.8612	0.8515
70	0.9549	0.9526	0.9502	0.9475	0.9445	0.9413	0.9377	0.9338	0.9296	0.9250	0.9200	0.9145	0.9085	0.9020	0.8950	0.8874
75	0.9661	0.9646	0.9629	0.9610	0.9590	0.9568	0.9543	0.9516	0.9487	0.9454	0.9419	0.9380	0.9337	0.9291	0.9240	0.9184

	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70
30	0.6105	0.5961	0.5814	0.5666	0.5516	0.5364	0.5211	0.5057	0.4901	0.4745	0.4589	0.4433	0.4276	0.4120	0.3965
35	0.6317	0.6170	0.6021	0.5870	0.5716	0.5561	0.5404	0.5245	0.5086	0.4925	0.4764	0.4603	0.4441	0.4280	0.4120
40	0.6571	0.6423	0.6271	0.6117	0.5960	0.5801	0.5640	0.5478	0.5313	0.5148	0.4981	0.4814	0.4647	0.4480	0.4313
45	0.6871	0.6722	0.6570	0.6414	0.6255	0.6093	0.5929	0.5762	0.5593	0.5422	0.5250	0.5077	0.4904	0.4730	0.4556
50	0.7216	0.7070	0.6919	0.6764	0.6605	0.6442	0.6275	0.6106	0.5933	0.5758	0.5581	0.5402	0.5222	0.5041	0.4860
55	0.7600	0.7460	0.7315	0.7164	0.7009	0.6848	0.6682	0.6513	0.6339	0.6162	0.5981	0.5798	0.5612	0.5425	0.5236
60	0.8006	0.7878	0.7744	0.7604	0.7457	0.7304	0.7144	0.6980	0.6809	0.6634	0.6454	0.6269	0.6081	0.5890	0.5696
65	0.8412	0.8302	0.8185	0.8060	0.7929	0.7790	0.7644	0.7491	0.7331	0.7164	0.6991	0.6812	0.6627	0.6437	0.6242
70	0.8792	0.8703	0.8607	0.8504	0.8394	0.8276	0.8151	0.8017	0.7876	0.7726	0.7568	0.7403	0.7230	0.7050	0.6863
75	0.9123	0.9056	0.8984	0.8905	0.8820	0.8727	0.8627	0.8519	0.8403	0.8279	0.8146	0.8004	0.7853	0.7694	0.7526

Age of	Age of Member
Bene- ficiary	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55
30	0.8225	0.8135	0.8042	0.7944	0.7843	0.7737	0.7628	0.7515	0.7398	0.7277	0.7152	0.7024	0.6893	0.6758	0.6620	0.6479
35	0.8440	0.8356	0.8268	0.8176	0.8080	0.7979	0.7874	0.7764	0.7650	0.7532	0.7409	0.7283	0.7152	0.7019	0.6879	0.6738
40	0.8661	0.8586	0.8506	0.8422	0.8333	0.8239	0.8141	0.8038	0.7930	0.7817	0.7699	0.7576	0.7449	0.7317	0.7181	0.7041
45	0.8878	0.8814	0.8744	0.8670	0.8592	0.8508	0.8420	0.8326	0.8227	0.8123	0.8013	0.7898	0.7778	0.7652	0.7521	0.7385
50	0.9082	0.9029	0.8971	0.8910	0.8844	0.8773	0.8697	0.8616	0.8529	0.8437	0.8340	0.8236	0.8127	0.8012	0.7890	0.7763
55	0.9265	0.9224	0.9178	0.9130	0.9077	0.9020	0.8958	0.8891	0.8820	0.8743	0.8660	0.8572	0.8478	0.8377	0.8270	0.8157
60	0.9424	0.9393	0.9359	0.9323	0.9283	0.9239	0.9191	0.9140	0.9084	0.9023	0.8958	0.8887	0.8810	0.8728	0.8639	0.8544
65	0.9558	0.9536	0.9512	0.9486	0.9457	0.9426	0.9391	0.9353	0.9312	0.9267	0.9218	0.9165	0.9106	0.9043	0.8974	0.8900
70	0.9669	0.9654	0.9637	0.9619	0.9600	0.9578	0.9554	0.9528	0.9500	0.9468	0.9434	0.9396	0.9354	0.9309	0.9259	0.9205
75	0.9758	0.9748	0.9737	0.9726	0.9713	0.9699	0.9683	0.9666	0.9647	0.9626	0.9604	0.9579	0.9551	0.9520	0.9487	0.9450

	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70
30	0.6335	0.6189	0.6039	0.5887	0.5733	0.5577	0.5420	0.5261	0.5101	0.4940	0.4779	0.4617	0.4455	0.4294	0.4133
35	0.6592	0.6444	0.6292	0.6138	0.5981	0.5822	0.5660	0.5497	0.5333	0.5167	0.5000	0.4833	0.4665	0.4497	0.4330
40	0.6896	0.6747	0.6595	0.6439	0.6280	0.6118	0.5953	0.5786	0.5617	0.5446	0.5273	0.5100	0.4926	0.4751	0.4577
45	0.7244	0.7098	0.6948	0.6793	0.6634	0.6471	0.6304	0.6134	0.5962	0.5786	0.5609	0.5430	0.5249	0.5068	0.4886
50	0.7630	0.7491	0.7347	0.7197	0.7041	0.6881	0.6716	0.6546	0.6373	0.6195	0.6015	0.5831	0.5645	0.5457	0.5268
55	0.8037	0.7911	0.7778	0.7638	0.7492	0.7340	0.7182	0.7017	0.6848	0.6672	0.6493	0.6308	0.6120	0.5929	0.5734
60	0.8442	0.8334	0.8218	0.8095	0.7965	0.7828	0.7683	0.7531	0.7372	0.7206	0.7034	0.6855	0.6671	0.6481	0.6287
65	0.8819	0.8732	0.8638	0.8537	0.8429	0.8313	0.8189	0.8057	0.7917	0.7769	0.7613	0.7449	0.7278	0.7099	0.6913
70	0.9145	0.9081	0.9010	0.8933	0.8850	0.8759	0.8661	0.8555	0.8442	0.8319	0.8189	0.8049	0.7900	0.7743	0.7576
75	0.9409	0.9365	0.9315	0.9261	0.9202	0.9137	0.9066	0.8988	0.8904	0.8811	0.8711	0.8602	0.8485	0.8358	0.8222

Age of	Age of Member
Bene- ficiary	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55
30	0.8453	0.8378	0.8300	0.8218	0.8133	0.8044	0.7952	0.7856	0.7757	0.7654	0.7547	0.7437	0.7324	0.7207	0.7087	0.6963
31	0.8628	0.8558	0.8485	0.8408	0.8327	0.8242	0.8154	0.8061	0.7965	0.7865	0.7760	0.7652	0.7540	0.7425	0.7305	0.7182
40	0.8806	0.8744	0.8678	0.8607	0.8533	0.8454	0.8372	0.8285	0.8194	0.8099	0.7999	0.7895	0.7786	0.7674	0.7557	0.7436
45	0.8981	0.8927	0.8869	0.8808	0.8742	0.8672	0.8598	0.8519	0.8436	0.8348	0.8256	0.8158	0.8056	0.7949	0.7838	0.7721
50	0.9146	0.9101	0.9053	0.9001	0.8946	0.8886	0.8822	0.8754	0.8681	0.8603	0.8521	0.8433	0.8341	0.8243	0.8140	0.8031
55	0.9296	0.9260	0.9222	0.9180	0.9135	0.9086	0.9034	0.8977	0.8917	0.8851	0.8781	0.8706	0.8626	0.8540	0.8450	0.8353
60	0.9428	0.9401	0.9372	0.9340	0.9305	0.9267	0.9226	0.9181	0.9133	0.9081	0.9024	0.8963	0.8897	0.8827	0.8751	0.8669
65	0.9543	0.9523	0.9502	0.9478	0.9452	0.9424	0.9394	0.9360	0.9324	0.9284	0.9241	0.9194	0.9143	0.9087	0.9027	0.8962
70	0.9641	0.9627	0.9612	0.9595	0.9577	0.9557	0.9535	0.9511	0.9485	0.9457	0.9425	0.9391	0.9354	0.9313	0.9268	0.9219
75	0.9724	0.9714	0.9704	0.9693	0.9680	0.9667	0.9652	0.9635	0.9618	0.9598	0.9576	0.9553	0.9527	0.9498	0.9467	0.9433

	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70
30	0.6837	0.6707	0.6574	0.6439	0.6300	0.6160	0.6016	0.5871	0.5723	0.5574	0.5422	0.5270	0.5116	0.4961	0.4805
35	0.7056	0.6925	0.6792	0.6655	0.6515	0.6372	0.6227	0.6078	0.5928	0.5775	0.5620	0.5464	0.5306	0.5147	0.4986
40	0.7311	0.7181	0.7048	0.6911	0.6771	0.6628	0.6480	0.6330	0.6176	0.6021	0.5862	0.5702	0.5540	0.5376	0.5211
45	0.7600	0.7474	0.7344	0.7209	0.7070	0.6927	0.6780	0.6629	0.6474	0.6316	0.6156	0.5992	0.5826	0.5658	0.5488
50	0.7918	0.7799	0.7675	0.7545	0.7411	0.7271	0.7127	0.6977	0.6824	0.6666	0.6505	0.6339	0.6171	0.5999	0.5825
55	0.8251	0.8143	0.8029	0.7909	0.7783	0.7652	0.7514	0.7371	0.7223	0.7069	0.6910	0.6746	0.6578	0.6406	0.6230
60	0.8582	0.8488	0.8389	0.8283	0.8171	0.8053	0.7928	0.7796	0.7658	0.7514	0.7363	0.7206	0.7043	0.6875	0.6701
65	0.8892	0.8816	0.8735	0.8647	0.8553	0.8452	0.8345	0.8230	0.8109	0.7980	0.7844	0.7701	0.7550	0.7393	0.7229
70	0.9166	0.9109	0.9046	0.8978	0.8904	0.8824	0.8738	0.8645	0.8545	0.8437	0.8322	0.8200	0.8069	0.7931	0.7784
75	0.9395	0.9354	0.9309	0.9260	0.9206	0.9147	0.9082	0.9012	0.8936	0.8853	0.8763	0.8666	0.8561	0.8449	0.8327

Age of	Age of Member
Bene- ficiary	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55
30	0.8641	0.8572	0.8499	0.8423	0.8342	0.8258	0.8170	0.8078	0.7982	0.7882	0.7778	0.7670	0.7558	0.7443	0.7323	0.7200
35	0.8820	0.8758	0.8692	0.8622	0.8549	0.8471	0.8389	0.8303	0.8212	0.8117	0.8018	0.7914	0.7806	0.7694	0.7577	0.7457
40	0.8994	0.8941	0.8884	0.8823	0.8758	0.8689	0.8615	0.8537	0.8455	0.8368	0.8276	0.8179	0.8078	0.7971	0.7860	0.7744
45	0.9158	0.9114	0.9067	0.9016	0.8961	0.8902	0.8839	0.8771	0.8699	0.8622	0.8541	0.8454	0.8363	0.8266	0.8163	0.8056
50	0.9307	0.9272	0.9234	0.9193	0.9149	0.9101	0.9049	0.8994	0.8934	0.8869	0.8800	0.8726	0.8647	0.8563	0.8473	0.8378
55	0.9438	0.9411	0.9382	0.9351	0.9317	0.9280	0.9240	0.9196	0.9149	0.9097	0.9042	0.8982	0.8917	0.8848	0.8773	0.8692
60	0.9551	0.9532	0.9511	0.9488	0.9463	0.9435	0.9405	0.9373	0.9337	0.9298	0.9256	0.9210	0.9160	0.9106	0.9047	0.8983
65	0.9648	0.9634	0.9620	0.9603	0.9586	0.9566	0.9545	0.9522	0.9496	0.9468	0.9438	0.9405	0.9368	0.9328	0.9285	0.9237
70	0.9730	0.9720	0.9710	0.9699	0.9687	0.9674	0.9660	0.9644	0.9627	0.9608	0.9587	0.9564	0.9539	0.9511	0.9481	0.9447
75	0.9797	0.9791	0.9785	0.9778	0.9770	0.9761	0.9752	0.9742	0.9730	0.9718	0.9704	0.9689	0.9673	0.9655	0.9635	0.9613

	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70
30	0.7074	0.6944	0.6810	0.6673	0.6533	0.6390	0.6244	0.6096	0.5945	0.5792	0.5637	0.5480	0.5322	0.5163	0.5002
35	0.7332	0.7203	0.7070	0.6933	0.6792	0.6648	0.6501	0.6351	0.6197	0.6041	0.5883	0.5722	0.5560	0.5396	0.5230
40	0.7624	0.7498	0.7368	0.7234	0.7095	0.6952	0.6805	0.6654	0.6499	0.6341	0.6180	0.6016	0.5850	0.5682	0.5511
45	0.7943	0.7825	0.7701	0.7572	0.7438	0.7299	0.7155	0.7006	0.6853	0.6695	0.6534	0.6368	0.6200	0.6028	0.5854
50	0.8276	0.8169	0.8056	0.7937	0.7813	0.7682	0.7545	0.7403	0.7255	0.7101	0.6943	0.6780	0.6612	0.6439	0.6263
55	0.8606	0.8514	0.8416	0.8312	0.8201	0.8084	0.7960	0.7830	0.7692	0.7549	0.7399	0.7243	0.7081	0.6913	0.6740
60	0.8914	0.8840	0.8760	0.8674	0.8581	0.8482	0.8376	0.8263	0.8143	0.8016	0.7881	0.7739	0.7590	0.7434	0.7270
65	0.9186	0.9129	0.9068	0.9001	0.8929	0.8851	0.8766	0.8675	0.8576	0.8471	0.8358	0.8237	0.8108	0.7972	0.7827
70	0.9411	0.9371	0.9327	0.9279	0.9226	0.9169	0.9106	0.9038	0.8963	0.8882	0.8795	0.8699	0.8597	0.8486	0.8367
75	0.9588	0.9562	0.9532	0.9500	0.9464	0.9425	0.9382	0.9335	0.9283	0.9225	0.9163	0.9094	0.9019	0.8937	0.8848

Age of	Age of Member
Bene- ficiary	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55
30	0.8895	0.8837	0.8776	0.8712	0.8645	0.8575	0.8502	0.8426	0.8346	0.8263	0.8176	0.8086	0.7993	0.7895	0.7795	0.7690
35	0.9016	0.8962	0.8904	0.8844	0.8780	0.8713	0.8643	0.8569	0.8492	0.8412	0.8327	0.8240	0.8148	0.8052	0.7953	0.7850
40	0.9144	0.9094	0.9041	0.8986	0.8926	0.8864	0.8798	0.8728	0.8655	0.8579	0.8498	0.8414	0.8325	0.8233	0.8136	0.8036
45	0.9273	0.9229	0.9182	0.9132	0.9079	0.9022	0.8962	0.8899	0.8831	0.8760	0.8685	0.8606	0.8522	0.8435	0.8343	0.8246
50	0.9397	0.9360	0.9320	0.9277	0.9231	0.9182	0.9129	0.9073	0.9013	0.8950	0.8882	0.8810	0.8734	0.8653	0.8568	0.8478
55	0.9511	0.9481	0.9448	0.9414	0.9376	0.9335	0.9291	0.9244	0.9193	0.9138	0.9080	0.9017	0.8950	0.8879	0.8803	0.8722
60	0.9611	0.9588	0.9563	0.9536	0.9507	0.9474	0.9440	0.9402	0.9361	0.9316	0.9268	0.9216	0.9161	0.9100	0.9036	0.8967
65	0.9697	0.9681	0.9662	0.9642	0.9620	0.9596	0.9570	0.9541	0.9510	0.9475	0.9438	0.9398	0.9354	0.9306	0.9254	0.9198
70	0.9769	0.9757	0.9744	0.9730	0.9714	0.9697	0.9678	0.9658	0.9635	0.9610	0.9583	0.9553	0.9521	0.9485	0.9446	0.9403
75	0.9828	0.9820	0.9811	0.9801	0.9791	0.9779	0.9766	0.9752	0.9737	0.9720	0.9701	0.9680	0.9657	0.9632	0.9605	0.9574

	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70
30	0.7582	0.7469	0.7353	0.7234	0.7110	0.6983	0.6852	0.6717	0.6578	0.6436	0.6291	0.6143	0.5991	0.5836	0.5679
35	0.7743	0.7632	0.7517	0.7397	0.7274	0.7147	0.7016	0.6881	0.6742	0.6600	0.6454	0.6304	0.6151	0.5995	0.5835
40	0.7931	0.7822	0.7708	0.7591	0.7469	0.7343	0.7213	0.7078	0.6939	0.6797	0.6650	0.6500	0.6346	0.6188	0.6027
45	0.8145	0.8040	0.7930	0.7815	0.7696	0.7573	0.7444	0.7311	0.7174	0.7032	0.6886	0.6735	0.6581	0.6422	0.6260
50	0.8383	0.8284	0.8179	0.8070	0.7955	0.7836	0.7712	0.7582	0.7448	0.7308	0.7164	0.7015	0.6861	0.6703	0.6541
55	0.8636	0.8545	0.8449	0.8348	0.8241	0.8129	0.8011	0.7888	0.7759	0.7625	0.7485	0.7340	0.7190	0.7034	0.6873
60	0.8893	0.8813	0.8729	0.8639	0.8543	0.8442	0.8334	0.8221	0.8102	0.7976	0.7845	0.7707	0.7563	0.7413	0.7258
65	0.9138	0.9072	0.9002	0.8926	0.8845	0.8758	0.8665	0.8566	0.8460	0.8348	0.8229	0.8103	0.7971	0.7832	0.7686
70	0.9357	0.9307	0.9252	0.9192	0.9127	0.9057	0.8981	0.8900	0.8812	0.8717	0.8616	0.8508	0.8393	0.8270	0.8140
75	0.9541	0.9505	0.9465	0.9421	0.9373	0.9320	0.9263	0.9200	0.9132	0.9058	0.8978	0.8891	0.8798	0.8697	0.8588

Age of	Age of Member
Bene- ficiary	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55
30	0.9026	0.8972	0.8914	0.8854	0.8791	0.8724	0.8654	0.8581	0.8504	0.8424	0.8340	0.8252	0.8161	0.8065	0.7966	0.7863
35	0.9154	0.9105	0.9052	0.8997	0.8938	0.8876	0.8810	0.8741	0.8668	0.8592	0.8512	0.8428	0.8340	0.8248	0.8151	0.8051
40	0.9283	0.9239	0.9193	0.9143	0.9091	0.9035	0.8975	0.8912	0.8845	0.8774	0.8700	0.8621	0.8538	0.8451	0.8359	0.8263
45	0.9406	0.9369	0.9330	0.9288	0.9243	0.9194	0.9142	0.9087	0.9027	0.8964	0.8897	0.8826	0.8750	0.8670	0.8585	0.8496
50	0.9519	0.9490	0.9458	0.9423	0.9386	0.9346	0.9303	0.9256	0.9206	0.9152	0.9095	0.9033	0.8967	0.8896	0.8821	0.8741
55	0.9618	0.9596	0.9572	0.9545	0.9516	0.9484	0.9450	0.9413	0.9373	0.9329	0.9282	0.9231	0.9176	0.9117	0.9053	0.8985
60	0.9703	0.9687	0.9669	0.9649	0.9628	0.9604	0.9579	0.9551	0.9520	0.9487	0.9450	0.9411	0.9367	0.9321	0.9270	0.9215
65	0.9774	0.9763	0.9750	0.9736	0.9721	0.9704	0.9686	0.9666	0.9644	0.9620	0.9593	0.9564	0.9532	0.9497	0.9459	0.9418
70	0.9832	0.9824	0.9815	0.9806	0.9796	0.9784	0.9772	0.9758	0.9743	0.9727	0.9709	0.9689	0.9666	0.9642	0.9615	0.9586
75	0.9877	0.9872	0.9867	0.9861	0.9854	0.9847	0.9839	0.9830	0.9820	0.9810	0.9798	0.9785	0.9770	0.9754	0.9737	0.9717

	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70
30	0.7756	0.7645	0.7530	0.7411	0.7288	0.7161	0.7030	0.6895	0.6756	0.6614	0.6467	0.6318	0.6164	0.6008	0.5849
35	0.7946	0.7837	0.7724	0.7607	0.7485	0.7359	0.7229	0.7095	0.6956	0.6813	0.6667	0.6516	0.6362	0.6204	0.6044
40	0.8163	0.8058	0.7948	0.7834	0.7715	0.7591	0.7463	0.7331	0.7193	0.7052	0.6905	0.6755	0.6601	0.6442	0.6280
45	0.8402	0.8303	0.8199	0.8090	0.7976	0.7857	0.7733	0.7604	0.7470	0.7331	0.7187	0.7038	0.6885	0.6727	0.6565
50	0.8656	0.8566	0.8470	0.8370	0.8264	0.8152	0.8035	0.7913	0.7785	0.7651	0.7511	0.7367	0.7217	0.7061	0.6901
55	0.8912	0.8834	0.8750	0.8661	0.8566	0.8466	0.8360	0.8247	0.8129	0.8004	0.7873	0.7736	0.7593	0.7444	0.7289
60	0.9155	0.9091	0.9022	0.8947	0.8867	0.8782	0.8690	0.8592	0.8487	0.8376	0.8259	0.8134	0.8003	0.7865	0.7720
65	0.9372	0.9323	0.9269	0.9211	0.9147	0.9079	0.9004	0.8924	0.8838	0.8745	0.8645	0.8538	0.8424	0.8303	0.8175
70	0.9554	0.9518	0.9479	0.9436	0.9390	0.9339	0.9283	0.9222	0.9155	0.9083	0.9004	0.8919	0.8827	0.8728	0.8621
75	0.9696	0.9672	0.9646	0.9617	0.9584	0.9549	0.9510	0.9467	0.9420	0.9368	0.9311	0.9249	0.9180	0.9106	0.9024

Age of	Age of Member
Bene- ficiary	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55
30	0.9162	0.9117	0.9071	0.9022	0.8970	0.8916	0.8859	0.8799	0.8737	0.8671	0.8602	0.8530	0.8455	0.8377	0.8295	0.8210
35	0.9263	0.9223	0.9180	0.9135	0.9087	0.9036	0.8983	0.8927	0.8867	0.8805	0.8739	0.8670	0.8598	0.8522	0.8443	0.8360
40	0.9365	0.9330	0.9292	0.9251	0.9208	0.9162	0.9114	0.9062	0.9007	0.8949	0.8888	0.8824	0.8755	0.8684	0.8608	0.8529
45	0.9463	0.9433	0.9401	0.9366	0.9329	0.9289	0.9246	0.9200	0.9155	0.9100	0.9044	0.8986	0.8924	0.8858	0.8788	0.8714
50	0.9554	0.9529	0.9503	0.9474	0.9443	0.9410	0.9374	0.9335	0.9294	0.9249	0.9201	0.9150	0.9095	0.9037	0.8975	0.8908
55	0.9635	0.9616	0.9595	0.9573	0.9548	0.9521	0.9492	0.9461	0.9427	0.9391	0.9351	0.9308	0.9262	0.9213	0.9160	0.9103
60	0.9706	0.9691	0.9676	0.9659	0.9640	0.9620	0.9597	0.9573	0.9547	0.9518	0.9487	0.9453	0.9417	0.9377	0.9334	0.9287
65	0.9766	0.9756	0.9744	0.9732	0.9718	0.9704	0.9687	0.9669	0.9650	0.9629	0.9605	0.9580	0.9552	0.9522	0.9489	0.9453
70	0.9817	0.9810	0.9802	0.9793	0.9784	0.9773	0.9762	0.9749	0.9736	0.9721	0.9704	0.9686	0.9666	0.9644	0.9620	0.9594
75	0.9860	0.9855	0.9850	0.9844	0.9837	0.9830	0.9823	0.9814	0.9805	0.9795	0.9784	0.9771	0.9758	0.9743	0.9726	0.9708

	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70
30	0.8121	0.8029	0.7933	0.7834	0.7730	0.7623	0.7513	0.7398	0.7280	0.7158	0.7032	0.6902	0.6769	0.6632	0.6491
35	0.8274	0.8183	0.8089	0.7992	0.7890	0.7784	0.7675	0.7561	0.7443	0.7322	0.7196	0.7067	0.6933	0.6796	0.6655
40	0.8446	0.8360	0.8269	0.8174	0.8075	0.7971	0.7864	0.7752	0.7636	0.7516	0.7392	0.7263	0.7130	0.6993	0.6852
45	0.8637	0.8555	0.8469	0.8378	0.8284	0.8185	0.8081	0.7973	0.7860	0.7742	0.7620	0.7494	0.7363	0.7227	0.7087
50	0.8838	0.8763	0.8684	0.8601	0.8513	0.8420	0.8322	0.8220	0.8112	0.8000	0.7882	0.7760	0.7632	0.7499	0.7362
55	0.9042	0.8976	0.8907	0.8832	0.8753	0.8670	0.8581	0.8487	0.8387	0.8283	0.8173	0.8057	0.7936	0.7809	0.7677
60	0.9237	0.9182	0.9124	0.9061	0.8994	0.8921	0.8844	0.8762	0.8674	0.8580	0.8481	0.8376	0.8265	0.8148	0.8025
65	0.9414	0.9371	0.9325	0.9274	0.9220	0.9161	0.9098	0.9029	0.8956	0.8877	0.8792	0.8701	0.8604	0.8501	0.8391
70	0.9565	0.9534	0.9499	0.9461	0.9420	0.9375	0.9326	0.9273	0.9215	0.9152	0.9084	0.9011	0.8932	0.8846	0.8754
75	0.9688	0.9666	0.9642	0.9616	0.9586	0.9554	0.9519	0.9480	0.9438	0.9392	0.9341	0.9286	0.9225	0.9159	0.9087

Age of	Age of Member
Bene- ficiary	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55
30	0.9271	0.9231	0.9189	0.9144	0.9096	0.9046	0.8993	0.8937	0.8878	0.8815	0.8750	0.8681	0.8609	0.8534	0.8455	0.8372
35	0.9373	0.9338	0.9300	0.9260	0.9217	0.9172	0.9124	0.9073	0.9018	0.8961	0.8900	0.8836	0.8768	0.8697	0.8622	0.8543
40	0.9470	0.9441	0.9409	0.9375	0.9338	0.9298	0.9256	0.9211	0.9163	0.9111	0.9056	0.8998	0.8937	0.8871	0.8802	0.8729
45	0.9561	0.9536	0.9510	0.9482	0.9452	0.9419	0.9383	0.9345	0.9304	0.9260	0.9213	0.9162	0.9108	0.9050	0.8989	0.8923
50	0.9641	0.9622	0.9602	0.9580	0.9555	0.9529	0.9501	0.9470	0.9437	0.9401	0.9362	0.9320	0.9275	0.9226	0.9173	0.9117
55	0.9711	0.9697	0.9681	0.9665	0.9646	0.9626	0.9605	0.9581	0.9555	0.9527	0.9497	0.9464	0.9428	0.9389	0.9346	0.9300
60	0.9770	0.9760	0.9749	0.9737	0.9724	0.9709	0.9693	0.9676	0.9657	0.9636	0.9614	0.9589	0.9562	0.9532	0.9500	0.9464
65	0.9821	0.9814	0.9806	0.9798	0.9788	0.9778	0.9767	0.9755	0.9742	0.9727	0.9711	0.9693	0.9674	0.9652	0.9629	0.9603
70	0.9863	0.9858	0.9853	0.9847	0.9841	0.9834	0.9827	0.9819	0.9810	0.9800	0.9789	0.9777	0.9764	0.9749	0.9733	0.9716
75	0.9898	0.9895	0.9891	0.9888	0.9884	0.9879	0.9874	0.9869	0.9863	0.9857	0.9850	0.9842	0.9834	0.9824	0.9814	0.9802

	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70
30	0.8286	0.8196	0.8102	0.8005	0.7903	0.7798	0.7688	0.7575	0.7457	0.7336	0.7210	0.7081	0.6947	0.6810	0.6668
35	0.8460	0.8374	0.8283	0.8189	0.8090	0.7987	0.7880	0.7768	0.7652	0.7532	0.7408	0.7279	0.7146	0.7009	0.6868
40	0.8652	0.8570	0.8485	0.8395	0.8301	0.8202	0.8098	0.7991	0.7878	0.7761	0.7639	0.7513	0.7382	0.7246	0.7106
45	0.8854	0.8780	0.8701	0.8618	0.8531	0.8439	0.8341	0.8239	0.8133	0.8021	0.7904	0.7781	0.7654	0.7522	0.7385
50	0.9057	0.8992	0.8924	0.8850	0.8772	0.8689	0.8601	0.8508	0.8409	0.8305	0.8196	0.8081	0.7960	0.7834	0.7703
55	0.9251	0.9198	0.9140	0.9078	0.9012	0.8940	0.8864	0.8783	0.8696	0.8603	0.8505	0.8401	0.8291	0.8175	0.8053
60	0.9426	0.9384	0.9339	0.9290	0.9236	0.9179	0.9116	0.9049	0.8976	0.8899	0.8815	0.8726	0.8630	0.8528	0.8420
65	0.9575	0.9545	0.9511	0.9474	0.9434	0.9390	0.9342	0.9290	0.9234	0.9172	0.9106	0.9033	0.8955	0.8871	0.8781
70	0.9696	0.9675	0.9652	0.9626	0.9598	0.9566	0.9532	0.9495	0.9453	0.9408	0.9359	0.9305	0.9245	0.9181	0.9111
75	0.9790	0.9776	0.9761	0.9744	0.9725	0.9704	0.9681	0.9656	0.9628	0.9597	0.9563	0.9526	0.9484	0.9439	0.9389

Years		Years
1.	1.0400	19.	2.1068
2.	1.0816	20.	2.1911
3.	1.1248	21.	2.2787
4.	1.1698	22.	2.3699
5.	1.2166	23.	2.4647
6.	1.2653	24.	2.5633
7.	1.3159	25.	2.6658
8.	1.3685	26.	2.7724
9.	1.4233	27.	2.8833
10.	1.4802	28.	2.9987
11.	1.5394	29.	3.1186
12.	1.6010	30.	3.2433
13.	1.6650	31.	3.3731
14.	1.7316	32.	3.5080
15.	1.8009	33.	3.6483
16.	1.8729	34.	3.7943
17.	1.9479	35.	3.9460
18.	2.0258

[27 Pa.B. 3726]

[Continued from previous Web Page]

Table 3 EARLY RETIREMENT FACTORS - MEN

Table 4 EARLY RETIREMENT FACTORS - WOMEN

Table 5 FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - MALE MEMBER WITH FEMALE BENEFICIARY

Table 6 FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - MALE MEMBER WITH MALE BENEFICIARY

Table 7 FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - FEMALE MEMBER WITH FEMALE BENEFICIARY

Table 8 FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - FEMALE MEMBER WITH MALE BENEFICIARY

Table 9 FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - MALE MEMBER WITH FEMALE BENEFICIARY

Table 10 FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - MALE MEMBER WITH MALE BENEFICIARY

Table 11 FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - FEMALE MEMBER WITH FEMALE BENEFICIARY

Table 12 FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - FEMALE MEMBER WITH MALE BENEFICIARY

Table 13 4% COMPOUND INTEREST FACTORS

[Pa.B. Doc. No. 97-1200. Filed for public inspection July 25, 1997, 9:00 a.m.]

Table 3
EARLY RETIREMENT FACTORS - MEN

Table 4
EARLY RETIREMENT FACTORS - WOMEN

Table 5
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - MALE MEMBER WITH FEMALE BENEFICIARY

Table 6
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - MALE MEMBER WITH MALE BENEFICIARY

Table 7
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - FEMALE MEMBER WITH FEMALE BENEFICIARY

Table 8
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - FEMALE MEMBER WITH MALE BENEFICIARY

Table 9
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - MALE MEMBER WITH FEMALE BENEFICIARY

Table 10
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - MALE MEMBER WITH MALE BENEFICIARY

Table 11
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - FEMALE MEMBER WITH FEMALE BENEFICIARY

Table 12
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - FEMALE MEMBER WITH MALE BENEFICIARY

Table 13
4% COMPOUND INTEREST FACTORS