APPENDIX  B

Early Pension Age Reduction Factor
(see page 2 regarding eligibility)


Find the Participantís age on the pension effective date in years (across the top), and months (down the left side); this is the Early Pension percentage.

YEARS

 
 MONTHS

00
01
02
03
04
05
06
07
08
09
10
11

62

 .7375
.7439
.7503
.7567
.7632
.7696
.7760
.7824
.7889
.7953
.8017
.8081

63

.8146
.8218
.8291
.8363
.8436
.8508
.8581
.8653
.8726
.8798
.8871
.8943

64

.9016
.9098
.9180
.9262
.9344
.9426
.9508
.9590
.9672
.9754
.9836
.9918


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