There are two tables of reduction factors shown below for non-disability pensions.
- Joint Annuity Factors
- Five-Year Certain Factors

Non-Disability Joint Annuity Factors
 Beneficiary's Age in Relation to Retiree's Age
50%
Joint Annuity
66 2/3 %
Joint Annuity
75 %
Joint Annuity
100%
Joint Annuity
Each Additional
Year Older
maximum 99%
0.5%
0.5%
0.5%
0.5%
+10 Years
99.0%
96.0%
95.0%
93.0%
9
98.5%
95.5%
94.5%
92.5%
8
98.0%
95.0%
94.0%
92.0%
7
97.5%
94.5%
93.5%
91.5%
6
97.0%
94.0%
93.0%
91.0%
5
96.5%
93.5%
92.5%
90.5%
4
96.0%
93.0%
92.0%
90.0%
3
95.5%
92.5%
91.5%
89.5%
2
95.0%
92.0%
91.0%
89.0%
1
94.5%
91.5%
90.5%
88.5%
Same Age
94.0%
91.0%
90.0%
88.0%
-1
93.5%
90.5%
89.5%
87.5%
-2
93.0%
90.0%
89.0%
87.0%
-3
92.5%
89.5%
88.5%
86.5%
-4
92.0%
89.0%
88.0%
86.0%
-5
91.5%
88.5%
87.5%
85.5%
-6
91.0%
88.0%
87.0%
85.0%
-7
90.5%
87.5%
86.5%
84.5%
-8
90.0%
87.0%
86.0%
84.0%
-9
89.5%
86.5%
85.5%
83.5%
-10
89.0%
86.0%
85.0%
83.0%
Each Additional Year Younger
-0.5%
-0.5%
-0.5%
-0.5%

Five-Year Certain Option Factors
Age of Participant on Effective Date
Factor (%)*
Age of Participant on Effective Date
Factor (%)*
52 and under
99.33%
64
97.55%
53
99.25%
65
97.26%
54
99.17%
66
96.95%
55
99.08%
67
96.61%
56
98.98%
68
96.25%
57
98.86%
69
95.85%
58
98.73%
70
95.41%
59
98.59%
71
94.91%
60
98.43%
72
94.34%
61
98.25%
73
93.70%
62
98.04%
74
92.98%
63
97.81%
75
92.18%
* Factors for non-exact ages are pro-rated between the two bracketing ages.