Age-Reduction Factors

Early retirement benefits under the Age-Reduced provision allow you to retire early with reduced lifetime retirement benefits. The benefit factor is 2.5%, with a reduction factor applied based on your age at retirement.

Age-Reduction Factors*
Age at Early RetirementApproximate Age-Reduction Factor
55.6465
56.7043
57.7678
58.8377
59.9148

*Actual factors are determined based on your age (in years and months) as of your retirement date.

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