Question 1

Does this include Social Security offset or windfall elimination?

Accepted Answer

No — WEP/GPO and integration with Social Security vary by plan. Verify with your pension administrator.

Question 2

What is final average salary?

Accepted Answer

Many plans average the highest consecutive 36 or 60 months of earnings. Use your plan document's exact definition.

Question 3

Can I take a lump sum instead?

Accepted Answer

Some plans offer lump-sum actuarial equivalents. This tool estimates the annuity stream only.

Pension Calculator

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