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Joint and Survivor Option Factors |
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Regular
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With PopUp *
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Amount to be continued to Contingent Annuitant |
Amount to be continued to Contingent Annuitant |
Beneficiary's Age in Relation to Retiree's Age |
100% |
75% |
50% |
100% |
75% |
50% |
Each Additional Year Older |
+0.008 |
+0.007 |
+0.005 |
+0.008 |
+0.007 |
+0.005 |
+10 years |
0.877 |
0.906 |
0.935 |
0.843 |
0.878 |
0.915 |
9 |
0.869 |
0.899 |
0.930 |
0.835 |
0.871 |
0.910 |
8 |
0.860 |
0.892 |
0.925 |
0.826 |
0.864 |
0.905 |
7 |
0.852 |
0.885 |
0.920 |
0.818 |
0.857 |
0.900 |
6 |
0.843 |
0.878 |
0.915 |
0.809 |
0.850 |
0.895 |
5 |
0.835 |
0.871 |
0.910 |
0.801 |
0.843 |
0.890 |
4 |
0.826 |
0.864 |
0.905 |
0.792 |
0.836 |
0.885 |
3 |
0.818 |
0.857 |
0.900 |
0.784 |
0.829 |
0.880 |
2 |
0.810 |
0.850 |
0.895 |
0.776 |
0.822 |
0.875 |
1 |
0.802 |
0.844 |
0.890 |
0.768 |
0.816 |
0.870 |
Same Age |
0.794 |
0.836 |
0.885 |
0.760 |
0.808 |
0.865 |
-1 |
0.786 |
0.830 |
0.880 |
0.752 |
0.802 |
0.860 |
-2 |
0.778 |
0.824 |
0.875 |
0.744 |
0.796 |
0.855 |
-3 |
0.770 |
0.817 |
0.870 |
0.736 |
0.789 |
0.850 |
-4 |
0.762 |
0.810 |
0.865 |
0.728 |
0.782 |
0.845 |
-5 |
0.754 |
0.804 |
0.860 |
0.720 |
0.776 |
0.840 |
-6 |
0.747 |
0.797 |
0.855 |
0.713 |
0.769 |
0.835 |
-7 |
0.739 |
0.791 |
0.850 |
0.705 |
0.784 |
0.830 |
-8 |
0.732 |
0.784 |
0.845 |
0.698 |
0.756 |
0.825 |
-9 |
0.724 |
0.778 |
0.840 |
0.690 |
0.750 |
0.820 |
-10 |
0.717 |
0.771 |
0.835 |
0.683 |
0.743 |
0.815 |
Each Additional Year Younger |
-0.008 |
-0.007 |
-0.005 |
-0.008 |
-0.007 |
-0.005 |
*If the contingent annuitant pre-decreases the retiree, the retiree's benefit will "Popup" to its full value.
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