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APPENDIX A

JOINT & SURVIVOR OPTION FACTORS

Spouse's Age in Relation to Retiree's Age

50% Joint & Survivor Option

75% Joint & Survivor Option

Each additional year older

+.005

+.006

+ 10 years

.930

.893

+ 9 years

.925

.887

+ 8 years

.920

.881

7

.915

.875

6

.910

.869

5

.905

.863

4

.900

.857

3

.895

.851

2

.890

.845

1

.885

.839

Same Age

.880

.833

-1

.875

.827

-2

.870

.821

-3

.865

.815

-4

.860

.809

-5

.855

.803

-6

.850

.797

-7

.845

.791

-8

.840

.785

-9

.835

.779

-10

.830

.773

Each additional year younger

-.005

-.006

 

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