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{"sheet":"Input","index":0,"n_rows":50,"n_cols":15,"rows_kept":50,"cut":false,"hidden":false,"merged":[[6,14,6,20],[1,14,1,20],[1,9,1,13],[5,14,5,20],[2,14,2,20],[3,14,3,20],[4,14,4,20],[13,5,13,6],[15,5,15,6],[27,2,27,6],[2,9,2,13],[3,9,3,13],[4,9,4,13],[5,9,5,13],[6,9,6,13]]}
[]
[null,null,null,null,null,null,null,null,0,"Field",null,null,null,null,"Description from TRS Statement"]
[null,null,null,null,null,null,null,null,1,"TRS/ABS Date",null,null,null,null,"Updated To"]
[null,null,"Early Retirement Calculation","Input On All Orange Fields ",1995,null,null,null,2,"TRS/ABS Pension",null,null,null,null,"Pension from 'Current value of Benefits'"]
[null,null,null,null,2008,null,null,null,3,"TRS/ABS  Lump Sum",null,null,null,null,"Lump Sum from 'Current value of Benefits'"]
[null,null,null,null,"2008 Optant","Yes",null,null,4,"TRS/ABS Survivor Pension",null,null,null,null,"Adult Dependant Pension from 'Current value of Benefits'"]
[null,null,"Are you an Active Member",null,2015,"No",null,null,5,"Manadatory Lump Sum 2008 Optants Only",null,null,null,null,"Lump Sum from 'Current value of Benefits'"]
[null,null,"Section/Scheme",null,null,65,null,null,6]
[null,null,{"$f":"IF(D8=\"\",\"\",IF(D8<>2015,\"Do you have membership in 2015 Scheme?\",\"\"))","v":""}]
[null,null,"Date of Birth",null,null,66,null,null,7]
[null,null,"Retirement Date (Payable Date)",null,null,67,null,null,8]
[null,null,"TRS/ABS Date",null,null,68,null,null,9]
[null,null,"Total Membership at TRS/ABS Date (Reckonable Service) ",null,"Years",{"$f":"(D13*365)+D14","v":0},"Days",null,10]
[null,null,"Total Membership at TRS/ABS Date (Reckonable Service) ",null,"Days","Total Reck Service",null,null,11]
[null,null,"Calendar Service at TRS/ABS Date",null,"Years",{"$f":"(D15*365)+D16","v":0},"Days"]
[null,null,"Calendar Service at TRS/ABS Date",null,"Days","Total Calendar Service"]
[null,null,{"$f":"IF(D8=2015,\"Pensionable Earnings\",IF(D8=1995,\"Total Pensionable Pay\",\"Reckonable Pay\"))","v":"Reckonable Pay"}]
[null,null,"TRS/ABS Pension"]
[null,null,{"$f":"IF(D8=\"\",\"\",IF(D8=\"2008 Optant\",\"\",IF(D8=2008,\"\",IF(D8=2015,\"\",\"TRS/ABS  Lump Sum\"))))","v":""}]
[null,null,"TRS/ABS Survivor Pension"]
[null,null,{"$f":"IF(D8<>\"2008 Optant\",\"\",\"Manadatory Lump Sum 2008 Optants Only\")","v":""}]
[null,null,{"$f":"IF(D8=2015,\"Normal Pension Age (Years)\",\"\")","v":""}]
[null,null,{"$f":"IF(D8=2015,\"Normal Pension Age (Months)\",\"\")","v":""}]
[]
[]
[]
[null,null,null,null,null,{"$f":"IF(AND(D8=1995,D7=\"no\",'CER 1995'!E10<55),\"Warning\",\"\")","v":""},{"$f":"'CER 1995'!E10","v":0}]
[null,null,{"$f":"IF(G27=0,\"\",IF(OR(F27=\"Warning\",G27<55),\"Calculation not performed under age 55 at Retirement Date\",\"         Early Retirement (Reduced) Benefits available at \"&TEXT(D11,\"dd/mm/yyyy\")))","v":""}]
[]
[null,null,"Retirement Pension",{"$f":"IF(D8=1995,'CER 1995'!J25,IF(D8=2008,'CER 2008'!J27,IF(D8=\"2008 Optant\",'CER 2008 OPTANT'!J29,IF(D8=2015,'CER 2015'!J29,\"\"))))","v":""}]
[null,null,{"$f":"IF(OR(D8=1995,D8=\"2008 Optant\")=TRUE,\"Mandatory Lump Sum\",\"\")","v":""},{"$f":"IF(D8=1995,'CER 1995'!J26,IF(D8=2008,\"\",IF(D8=\"2008 Optant\",'CER 2008 OPTANT'!J30,IF(D8=2015,\"\",\"\"))))","v":""}]
[null,null,"Optional Lump Sum by Commutation",{"$f":"IF(D8=1995,'CER 1995'!J27,IF(D8=2008,'CER 2008'!J28,IF(D8=\"2008 Optant\",'CER 2008 OPTANT'!J31,IF(D8=2015,'CER 2015'!J30,\"\"))))","v":""}]
[null,null,{"$f":"IF(OR(D8=1995,D8=\"2008 Optant\")=TRUE,\"Total Lump Sum\",\"\")","v":""},{"$f":"IF(D8=1995,'CER 1995'!J28,IF(D8=2008,\"\",IF(D8=\"2008 Optant\",'CER 2008 OPTANT'!J32,IF(D8=2015,\"\",\"\"))))","v":""}]
[null,null,"Reduced Pension after Commutation for Optional Lump Sum",{"$f":"IF(D8=1995,'CER 1995'!J29,IF(D8=2008,'CER 2008'!J29,IF(D8=\"2008 Optant\",'CER 2008 OPTANT'!J33,IF(D8=2015,'CER 2015'!J31,\"\"))))","v":""}]
[]
[null,null,"Survivor's Pension",{"$f":"IF(D8=1995,'CER 1995'!J30,IF(D8=2008,'CER 2008'!J30,IF(D8=\"2008 Optant\",'CER 2008 OPTANT'!J34,IF(D8=2015,'CER 2015'!J32,\"\"))))","v":""}]
[]
[null,null,"Current date",{"$f":"TODAY()","v":"2024-06-20"}]
[]
[]
[]
[]
[]
[null,null,"Unreduced Net Pension",{"$f":"IF(D8=\"2008 Optant\",(F13/21900*D17)-(D21/12),IF(D8=1995,F13/29200*D17,F13/21900*D17))","v":0}]
[]
[null,null,"Unreduced Net Lump Sum",{"$f":"IF(D8=1995,D44*3,0)","v":0}]
[]
[null,null,"Net Survivor Pension",{"$f":"IF(D8=1995,IF(D13>2,(D44/2),\"Under 2 Years Service\"),IF(D8<>2015,IF(D13>2,(D44*0.375),\"Under 2 Years Service\"),(D44*0.3375)))","v":"Under 2 Years Service"}]
[]
[null,null,"Life Assurance Lump Sum",{"$f":"IF(D13>2,(D17*2),\"Under 2 Years Service\")","v":"Under 2 Years Service"}]

{"sheet":"CER 1995 NRA 55","index":1,"n_rows":47,"n_cols":12,"rows_kept":47,"cut":false,"hidden":true,"merged":[]}
[]
[null,"Compulsory Early Retirement of a 1995 section member NRA55"]
[]
[null,"Members Name:-",null,null,null,null,null,"SD Number:-"]
[]
[null,"Section: 1995",null,null,null,null,null,"NPA: 55"]
[null,"Date of Birth:",null,null,null,null,null,"Date of Redundancy:   "]
[null,"Age at redundancy:      ","Years      ","Months"]
[null,"Years leaving before NPA:      ","Years    ","Month","(Period from retirement to NPA rounded up)"]
[]
[null,"ERF1 Factor:-",null,null,null,null,null,"CER1 Factor:-"]
[null,"ERF7 Factor:-",null,null,null,null,null,"CER3 Factor:-"]
[null,"ERF12 Factor:-",null,null,null,null,null,"(Based on years and months leaving early)"]
[null,"Unreduced Pension = £",null,null,null,"(A)  Reduced Pension = £",null,null,"(B)"]
[null,"Unreduced Lump sum = £",null,null,null,"(C)  Reduced Lump Sum = £",null,null,"(D)"]
[null,"Redundancy Payment = £",null,null,null,"(E)"]
[]
[null,"Part 1"]
[null,"Employer Cost for Compulsory Early Retirement"]
[]
[null,"Cost of unreduced pension","= (A)£",null,"   x ERF12 = (Z)£ "]
[null,"(A)£                            - (Z)£                                                       x   CER1 = £"]
[null,"Cost of Lump Sum","= (C)£",null,"    x","CER3",null,null,"=£  "]
[null,null,null,null,null,null,null,null,null,null,null,"   Total =£"]
[]
[null,"If employer cost is greater than the redundancy payment the member is eligible for additional contribution option."]
[]
[null,"Part 2"]
[null,"Cost to Secure no reduction to benefits","= £",null,null,"         (F) Rounded down to nearest (£10)"]
[]
[null,"Top-up pension over normal early retirement pension"]
[]
[null,"Main Scheme Pension = (A)£",null,null,"     - (B)£",null,null,"=(G)£"]
[]
[null,"(G) x (E)£",null,null,null,"÷ (F)£",null,null,null,"= (H) £"]
[]
[null,"Top-up retirement lump sum"]
[]
[null,"Main Scheme Lump Sum = (C)£",null,null,"- (D)£",null,null,null,"= (I)£"]
[]
[null,"(I) x (E)£",null,null,null,"÷ (F)£",null,null,null,"= (J) £"]
[]
[null,"Pension available to member"]
[null,"(B)£",null,null,null,"+","(H)£",null,null,null,"= (K)£"]
[]
[null,"Lump sum available to member"]
[null,"(D)£",null,null,"+","(J)£",null,null,null,"= (L)£"]

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[null,"1995 Section - Early Retirement Calculation"]
[]
[]
[null,"Members Name:-",null,{"$f":"Input!#REF!","v":{"$error":"#REF!"}},null,null,null,null,"SD Number:-",{"$f":"Input!D7","v":0}]
[]
[null,"Section:",null,1995,null,null,null,null,"Pension Age:",60]
[]
[null,"Date of Birth:",null,{"$f":"Input!D10","v":"00:00:00"},null,null,null,null,"NPA Date:",{"$f":"DATE(YEAR(D8)+J6,MONTH(D8),DAY(D8)-1)","v":"1959-12-30"}]
[]
[null,"Age at Payment Date:      ",null,"Years      ",{"$f":"DATEDIF(D8,J10,\"Y\")","v":0},"Months",{"$f":"DATEDIF(D8,J10,\"M\")-(E10*12)","v":0},null,"Payment date:   ",{"$f":"Input!D11","v":"00:00:00"}]
[]
[null,"Years leaving before NPA:      ",null,"Years    ",{"$f":"INT(((J6*12)-((E10*12)+G10))/12)","v":60},"Months",{"$f":"J6*12-((E10*12)+G10)-(E12*12)","v":0},"(Period from DoR to SPA)"]
[]
[null,"ERF1 Factor:",null,{"$f":"IF(J10<DATE(2023,6,30),VLOOKUP(E10,'VER Factors (pre 30-06-2023)'!C8:O17,G10+2,FALSE),IF(J10>=DATE(2023,6,30),VLOOKUP(E10,'VER Factors 01-09-2023'!C8:O17,G10+2,FALSE)))","v":{"$error":"#N/A"}},null,null,null,null,"Date for 1995 Optional","2008-04-01"]
[null,"ERF7 Factor:",null,{"$f":"IF(J10<DATE(2023,6,30),VLOOKUP(E10,'VER Factors (pre 30-06-2023)'!C28:O37,G10+2,FALSE),IF(J10>=DATE(2023,6,30),VLOOKUP(E10,'VER Factors 01-09-2023'!C28:O37,G10+2,FALSE)))","v":{"$error":"#N/A"}}]
[]
[]
[null,"Calendar Service TRS Date to Payment Date",null,null,null,{"$f":"IF(Input!D9=\"Yes\",0,IF(Input!D7=\"Yes\",DATEDIF(J18,J10,\"d\"),0)-1)","v":-1},"Days",null,"TRS Date:",{"$f":"Input!D12","v":"00:00:00"}]
[null,"Pro Rata Reck Serv TRS Date to Payment Date",null,null,null,{"$f":"IF(Input!D9=\"Yes\",0,ROUNDUP(Input!F13/Input!F15*F18,0))","v":{"$error":"#DIV/0!"}},"Days"]
[]
[null,"Accrued Pension TRS Date to Payment Date",null,null,null,{"$f":"ROUND(IF(F18<>F19,F19,F18)*Input!D17/29200,2)","v":{"$error":"#DIV/0!"}}]
[null,"Accrued Lump Sum TRS Date to Payment Date",null,null,null,{"$f":"F21*3","v":{"$error":"#DIV/0!"}}]
[null,"Acc'd Survivor Pen TRS Date to Payment Date",null,null,null,{"$f":"ROUND(F21*0.5,2)","v":{"$error":"#DIV/0!"}}]
[]
[null,"Unreduced Pension:",null,{"$f":"Input!D18+F21","v":{"$error":"#DIV/0!"}},null,null,null,null,"Reduced Pension:",{"$f":"D25*D14","v":{"$error":"#DIV/0!"}}]
[null,"Unreduced Lump Sum:",null,{"$f":"Input!D19+F22","v":{"$error":"#DIV/0!"}},null,null,null,null,"Reduced Lump Sum:",{"$f":"D26*D15","v":{"$error":"#DIV/0!"}}]
[null,"Addnl Lump Sum:",null,{"$f":"IF(Input!D12<J14,0,12*ROUNDDOWN((ROUND((D25*(30/7))-(D26*(9/14)),2))/12,0))","v":0},null,null,null,null,"Addnl Lump Sum:",{"$f":"IF(Input!D12<'CER 1995'!J14:K14,0,12*ROUNDDOWN((ROUND((J25*(30/7))-(J26*(9/14)),2))/12,0))","v":0}]
[null,"Total Lump Sum:",null,{"$f":"D27+D26","v":{"$error":"#DIV/0!"}},null,null,null,null,"Total Lump Sum:",{"$f":"J26+J27","v":{"$error":"#DIV/0!"}}]
[null,"Addnl Reduced Pension:",null,{"$f":"D25-(D27/12)","v":{"$error":"#DIV/0!"}},null,null,null,null,"Addnl Reduced Pension:",{"$f":"J25-(J27/12)","v":{"$error":"#DIV/0!"}}]
[null,"Survivors Pension:",null,{"$f":"Input!D20+'CER 1995'!F23","v":{"$error":"#DIV/0!"}},null,null,null,null,"Surviviors Pension:",{"$f":"D30","v":{"$error":"#DIV/0!"}}]
[]
[null,null,null,null,null,null,null,null,"Unearned Pension:",{"$f":"D25-J25","v":{"$error":"#DIV/0!"}}]

{"sheet":"CER 2008","index":3,"n_rows":32,"n_cols":10,"rows_kept":32,"cut":false,"hidden":true,"merged":[[67,4,67,5],[72,4,72,5],[27,3,27,4],[28,3,28,4],[27,9,27,10],[28,9,28,10],[57,4,57,5],[57,6,57,7],[51,4,51,5],[51,6,51,7],[51,9,51,10],[31,3,31,4],[29,9,29,10],[29,3,29,4],[31,9,31,10],[51,11,51,12],[37,11,37,12],[49,4,49,5],[49,6,49,7],[49,9,49,10],[49,11,49,12],[37,4,37,5],[37,6,37,7],[37,9,37,10],[5,3,5,6],[5,9,5,11],[9,3,9,4],[9,9,9,10],[11,3,11,4],[11,9,11,10],[24,5,24,6],[17,3,17,4],[17,9,17,10],[26,3,26,4],[26,9,26,10],[18,3,18,4],[20,9,20,10],[23,5,23,6],[24,1,24,4]]}
[]
[]
[null,"2008 Compulsory Early Retirement Calculation"]
[]
[]
[null,"Members Name:-",null,{"$f":"Input!#REF!","v":{"$error":"#REF!"}},null,null,null,null,"SD Number:-",{"$f":"Input!D7","v":0}]
[]
[null,"Section:",null,2008,null,null,null,null,"Pension Age:",65]
[]
[null,"DOB / AGE",null,{"$f":"Input!D10","v":"00:00:00"},null,null,null,null,"NPA Date:",{"$f":"DATE(YEAR(D12)+J8,MONTH(D12),DAY(D12))","v":"1964-12-31"}]
[]
[null,"Date of Birth:",null,{"$f":"Input!D10","v":"00:00:00"},null,null,null,null,"Payment date:",{"$f":"Input!D11","v":"00:00:00"}]
[]
[null,"Age at Payment Date:      ",null,"Years      ",{"$f":"DATEDIF(D12,J12,\"Y\")","v":0},"Months",{"$f":"DATEDIF(D12,J12,\"M\")-(E14*12)","v":0}]
[]
[null,"Years leaving before NPA:      ",null,"Years    ",{"$f":"INT(((J8*12)-((E14*12)+G14))/12)","v":65},"Months",{"$f":"J8*12-((E14*12)+G14)-(E16*12)","v":0},"(Period from retirement to NPA rounded up)"]
[]
[null,"ERF2 Factor:",null,{"$f":"IF(J12<DATE(2023,6,30),VLOOKUP(E14,'VER Factors (pre 30-06-2023)'!C45:O59,G14+2,FALSE),IF(J12>=DATE(2023,6,30),VLOOKUP(E14,'VER Factors 01-09-2023'!C45:O59,G14+2,FALSE)))","v":{"$error":"#N/A"}}]
[null,"AB2 Factor",null,{"$f":"IF(J12<DATE(2023,9,1),VLOOKUP(E14,'VER Factors (pre 01-09-2023)'!C156:O201,G14+2,FALSE),IF(J12>=DATE(2023,9,1),VLOOKUP(E14,'VER Factors 01-09-2023'!C156:O201,G14+2,FALSE)))","v":{"$error":"#N/A"}}]
[]
[null,"Calendar Service TRS Date to Payment Date",null,null,null,{"$f":"IF(Input!D9=\"Yes\",0,IF(Input!D7=\"Yes\",DATEDIF(J21,J12,\"d\"),0)-1)","v":-1},"Days",null,"TRS Date:",{"$f":"Input!D12","v":"00:00:00"}]
[null,"Pro Rata Reck Serv TRS Date to Payment Date",null,null,null,{"$f":"IF(Input!D9=\"Yes\",0,ROUNDUP(Input!F13/Input!F15*F21,0))","v":{"$error":"#DIV/0!"}},"Days"]
[]
[null,"Accrued Pension TRS Date to Payment Date",null,null,null,{"$f":"ROUND(IF(F21<>F22,F22,F21)*Input!D17/21900,2)","v":{"$error":"#DIV/0!"}}]
[null,"Acc'd Survivor Pen TRS Date to Payment Date",null,null,null,{"$f":"ROUND(F24*0.375,2)","v":{"$error":"#DIV/0!"}}]
[]
[null,"Unreduced Pension        =",null,{"$f":"Input!D18+F24","v":{"$error":"#DIV/0!"}},null,null,null,null,"Reduced Pension      =",{"$f":"D27*D18","v":{"$error":"#DIV/0!"}}]
[null,"Lump sum by Commutation",null,{"$f":"12*ROUNDDOWN((ROUND(D27*(30/7),2)/12),0)","v":{"$error":"#DIV/0!"}},null,null,null,null,"Lump Sum by Commutation",{"$f":"12*ROUNDDOWN((ROUND(J27*(30/7),2)/12),0)","v":{"$error":"#DIV/0!"}}]
[null,"Post Commutation Pension",null,{"$f":"D27-(D28/12)","v":{"$error":"#DIV/0!"}},null,null,null,null,"Post Commutation Pension",{"$f":"J27-(J28/12)","v":{"$error":"#DIV/0!"}}]
[null,"Survivor's pension",null,{"$f":"Input!D20+F25","v":{"$error":"#DIV/0!"}},null,null,null,null,"Survivor's pension",{"$f":"D30","v":{"$error":"#DIV/0!"}}]
[]
[null,null,null,null,null,null,null,null,"Unearned Pension",{"$f":"D27-ROUND(D27*D19,2)","v":{"$error":"#DIV/0!"}}]

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[]
[]
[null,"2008 OPTANT Compulsory Early Retirement Calculation"]
[]
[]
[null,"Members Name:-",null,{"$f":"Input!#REF!","v":{"$error":"#REF!"}},null,null,null,null,"SD Number:-",{"$f":"Input!D7","v":0}]
[]
[null,"Section:",null,2008,null,null,null,null,"Pension Age:",65]
[]
[null,"DOB / AGE",null,{"$f":"Input!D10","v":"00:00:00"},null,null,null,null,"NPA Date:",{"$f":"DATE(YEAR(D12)+J8,MONTH(D12),DAY(D12))","v":"1964-12-31"}]
[]
[null,"Date of Birth:",null,{"$f":"Input!D10","v":"00:00:00"},null,null,null,null,"Payment Date",{"$f":"Input!D11","v":"00:00:00"}]
[]
[null,"Age at Payment Date:      ",null,"Years      ",{"$f":"DATEDIF(D12,J12,\"Y\")","v":0},"Months",{"$f":"DATEDIF(D12,J12,\"M\")-(E14*12)","v":0}]
[]
[null,"Years leaving before NPA:      ",null,"Years    ",{"$f":"INT(((J8*12)-((E14*12)+G14))/12)","v":65},"Months",{"$f":"J8*12-((E14*12)+G14)-(E16*12)","v":0},"(Period from retirement to NPA rounded up)"]
[]
[null,"ERF2 Factor:",null,{"$f":"IF(J12<DATE(2023,6,30),VLOOKUP(E14,'VER Factors (pre 30-06-2023)'!C45:O59,G14+2,FALSE),IF(J12>=DATE(2023,6,30),VLOOKUP(E14,'VER Factors 01-09-2023'!C45:O59,G14+2,FALSE)))","v":{"$error":"#N/A"}},null,null,null,null,"AB2 Factor",{"$f":"IF(J12<DATE(2023,9,1),VLOOKUP(E14,'VER Factors (pre 01-09-2023)'!C156:O201,G14+2,FALSE),IF(J12>=DATE(2023,9,1),VLOOKUP(E14,'VER Factors 01-09-2023'!C156:O201,G14+2,FALSE)))","v":{"$error":"#N/A"}}]
[null,"ERF7 Factor:",null,{"$f":"IF(E14>59,1,IF(J12<DATE(2023,6,30),VLOOKUP(E14,'VER Factors (pre 30-06-2023)'!C28:O37,G14+2,FALSE),IF(J12>=DATE(2023,6,30),VLOOKUP(E14,'VER Factors 01-09-2023'!C28:O37,G14+2,FALSE))))","v":{"$error":"#N/A"}},null,null,null,null,"AB6 Factor",{"$f":"IF(J12<DATE(2023,9,1),VLOOKUP(E14,'VER Factors (pre 01-09-2023)'!C215:O264,G14+2,FALSE),IF(J12>=DATE(2023,9,1),VLOOKUP(E14,'VER Factors 01-09-2023'!C215:O264,G14+2,FALSE)))","v":{"$error":"#N/A"}}]
[null,"ERF11 Factor:",null,{"$f":"IF(J12<DATE(2023,6,30),VLOOKUP(E14,'VER Factors (pre 30-06-2023)'!C70:O80,G14+2,FALSE),IF(J12>=DATE(20,6,30),VLOOKUP(E14,'VER Factors 01-09-2023'!C70:O80,G14+2,FALSE)))","v":{"$error":"#N/A"}}]
[]
[]
[null,"Calendar Service TRS Date to Payment Date",null,null,null,{"$f":"IF(Input!D9=\"Yes\",0,IF(Input!D7=\"Yes\",DATEDIF(J23,J12,\"d\"),0)-1)","v":-1},"Days",null,"TRS Date:",{"$f":"Input!D12","v":"00:00:00"}]
[null,"Pro Rata Reck Serv TRS Date to Payment Date",null,null,null,{"$f":"IF(Input!D9=\"Yes\",0,ROUNDUP(Input!F13/Input!F15*F23,0))","v":{"$error":"#DIV/0!"}},"Days"]
[]
[null,"Accrued Pension TRS Date to Payment Date",null,null,null,{"$f":"ROUND(IF(F23<>F24,F24,F23)*Input!D17/21900,2)","v":{"$error":"#DIV/0!"}}]
[null,"Acc'd Survivor Pen TRS Date to Payment Date",null,null,null,{"$f":"ROUND(F26*0.375,2)","v":{"$error":"#DIV/0!"}}]
[]
[null,"Unreduced Pension:",null,{"$f":"Input!D18+F26","v":{"$error":"#DIV/0!"}},null,"(A)",null,null,"Reduced Pension:",{"$f":"((D29*D18)+(J30*D20))-ROUNDDOWN((Input!D21*D19)/12,0)","v":{"$error":"#DIV/0!"}},null,"(B)"]
[null,"Mandatory Lump Sum:",null,{"$f":"Input!D21","v":0},null,"(C)",null,null,"Mandatory Lump Sum:",{"$f":"ROUNDDOWN(ROUND((D30*D19)/12,2),0)*12","v":{"$error":"#N/A"}},null,"(D)"]
[null,"Lump sum by Commutation:",null,{"$f":"12*ROUNDDOWN((ROUND((D29*(30/7))-(D30*(9/14)),2))/12,0)","v":{"$error":"#DIV/0!"}},null,null,null,null,"Lump Sum by Commutation:",{"$f":"12*ROUNDDOWN((ROUND((J29*(30/7))-(J30*(9/14)),2))/12,0)","v":{"$error":"#DIV/0!"}}]
[null,"Total Lump Sum:",null,{"$f":"D30+D31","v":{"$error":"#DIV/0!"}},null,null,null,null,"Total Lump Sum:",{"$f":"J30+J31","v":{"$error":"#N/A"}}]
[null,"Post Commutation Pension:",null,{"$f":"D29-(D31/12)","v":{"$error":"#DIV/0!"}},null,null,null,null,"Post Commutation Pension:",{"$f":"J29-(J31/12)","v":{"$error":"#DIV/0!"}}]
[null,"Survivor's Pension:",null,{"$f":"Input!D20+F27","v":{"$error":"#DIV/0!"}},null,null,null,null,"Survivor's Pension:",{"$f":"D34","v":{"$error":"#DIV/0!"}}]
[]
[null,null,null,null,null,null,null,null,"Unearned Pension",{"$f":"D29-(ROUND(D29*J18,2)-ROUND(D30*J19,2))","v":{"$error":"#DIV/0!"}}]

{"sheet":"CER 2015","index":5,"n_rows":34,"n_cols":13,"rows_kept":34,"cut":false,"hidden":true,"merged":[[54,4,54,5],[54,6,54,7],[54,9,54,10],[52,4,52,5],[52,6,52,7],[52,9,52,10],[73,5,73,6],[73,3,73,4],[60,4,60,5],[60,6,60,7],[60,8,60,9],[68,4,68,5],[68,8,68,9],[52,11,52,12],[33,9,33,10],[54,11,54,12],[17,3,17,4],[17,9,17,10],[28,3,28,4],[28,9,28,10],[33,3,33,4],[39,4,39,5],[39,6,39,7],[39,9,39,10],[29,3,29,4],[29,9,29,10],[30,3,30,4],[30,9,30,10],[31,9,31,10],[39,11,39,12],[5,3,5,6],[5,9,5,11],[9,3,9,4],[9,9,9,10],[11,3,11,4],[11,9,11,10],[19,9,19,10],[22,5,22,6],[23,1,23,4],[23,5,23,6],[31,3,31,4]]}
[]
[]
[null,"2015 Compulsory Early Retirement Calculation"]
[]
[]
[null,"Members Name:-",null,{"$f":"Input!#REF!","v":{"$error":"#REF!"}},null,null,null,null,"SD Number:-",{"$f":"Input!D7","v":0}]
[]
[null,"Section:",null,2015,null,null,null,null,"Pension Age:",{"$f":"Input!D22","v":0},"Years",{"$f":"Input!D23","v":0},"Months"]
[]
[null,"DOB / AGE",null,{"$f":"Input!D10","v":"00:00:00"},null,null,null,null,"NPA Date:",{"$f":"DATE(YEAR(D12)+J8,MONTH(D12),DAY(D12))","v":"00:00:00"}]
[]
[null,"Date of Birth:",null,{"$f":"Input!D10","v":"00:00:00"},null,null,null,null,"Payment Date:",{"$f":"Input!D11","v":"00:00:00"}]
[]
[null,"Age at Payment Date:      ",null,"Years      ",{"$f":"DATEDIF(D12,J12,\"Y\")","v":0},"Months",{"$f":"DATEDIF(D12,J12,\"M\")-(E14*12)","v":0}]
[]
[null,"Years leaving before NPA:      ",null,"Years    ",{"$f":"INT((((J8*12)+L8)-((E14*12)+G14))/12)","v":0},"Months",{"$f":"((((J8*12)+L8)-((E14*12)+G14))/12-INT((((J8*12)+L8)-((E14*12)+G14))/12))*12","v":0},"(Period from retirement to NPA rounded up)"]
[]
[null,"ERF1 Factor:",null,{"$f":"IF(J12<DATE(2023,6,30),VLOOKUP(E16,'VER Factors (pre 30-06-2023)'!C97:O110,G16+2,FALSE),IF(J12>=DATE(2023,6,30),VLOOKUP(E16,'VER Factors 01-09-2023'!C97:O110,G16+2,FALSE)))","v":1}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Unreduced Pension:",null,{"$f":"Input!D18","v":0},null,"(A)",null,null,"Reduced Pension:",{"$f":"ROUND(D29*D18,2)","v":0},null,"(B)"]
[null,"Lump sum by Commutation:",null,{"$f":"12*ROUNDDOWN((ROUND(D29*(30/7),2)/12),0)","v":0},null,null,null,null,"Lump Sum by Commutation:",{"$f":"12*ROUNDDOWN((ROUND(J29*(30/7),2)/12),0)","v":0}]
[null,"Post Commutation Pension:",null,{"$f":"D29-(D30/12)","v":0},null,null,null,null,"Post Commutation Pension:",{"$f":"J29-(J30/12)","v":0}]
[null,"Survivor's Pension:",null,{"$f":"Input!D20","v":0},null,null,null,null,"Survivor's Pension:",{"$f":"D32","v":0}]
[]
[null,null,null,null,null,null,null,null,"Unearned pension",{"$f":"D29-J29","v":0},null,"(A) - (B)"]

{"sheet":"VER Factors 01-09-2023","index":6,"n_rows":320,"n_cols":27,"rows_kept":320,"cut":false,"hidden":true,"merged":[[23,1,23,14],[1,1,1,14],[3,1,3,14],[4,3,4,14],[5,3,5,14],[7,1,17,1],[84,2,84,14],[24,3,24,14],[25,3,25,14],[27,1,37,1],[40,1,40,14],[41,3,41,14],[42,3,42,14],[44,1,59,1],[67,2,67,14],[81,2,81,14],[82,2,82,14],[83,2,83,14],[212,2,212,14],[277,2,277,14],[89,2,89,15],[90,2,90,15],[91,2,91,15],[92,2,92,15],[94,2,94,14],[153,2,153,14]]}
["Factors in these tables are all applicable from 1st September  2023"]
[null,"NHS Pension Scheme (E&W): Early Retirement Factors"]
[]
[null,"Benefits Payable to the Member on ARER\n1995 Scheme (NPA 60)"]
[null,"Table - ERF 1",null,"Pension Factors"]
[null,null,null,"Age: Complete Months"]
[null,null,null,0,1,2,3,4,5,6,7,8,9,10,11]
[null,"Complete Years",50,0.68200000000000005,0.68400000000000005,0.68600000000000005,0.68799999999999994,0.68899999999999995,0.69099999999999995,0.69299999999999995,0.69499999999999995,0.69699999999999995,0.69899999999999995,0.7,0.70199999999999996]
[null,null,51,0.70399999999999996,0.70599999999999996,0.70799999999999996,0.71,0.71199999999999997,0.71399999999999997,0.71599999999999997,0.71799999999999997,0.72,0.72199999999999998,0.72399999999999998,0.72599999999999998]
[null,null,52,0.72799999999999998,0.73,0.73199999999999998,0.73499999999999999,0.73699999999999999,0.73899999999999999,0.74099999999999999,0.74299999999999999,0.745,0.748,0.75,0.752]
[null,null,53,0.754,0.75600000000000001,0.75900000000000001,0.76100000000000001,0.76300000000000001,0.76600000000000001,0.76800000000000002,0.77,0.77300000000000002,0.77500000000000002,0.77700000000000002,0.78]
[null,null,54,0.78200000000000003,0.78500000000000003,0.78700000000000003,0.79,0.79200000000000004,0.79500000000000004,0.79700000000000004,0.8,0.80200000000000005,0.80500000000000005,0.80700000000000005,0.81]
[null,null,55,0.81200000000000006,0.81499999999999995,0.81799999999999995,0.82,0.82299999999999995,0.82599999999999996,0.82899999999999996,0.83099999999999996,0.83399999999999996,0.83699999999999997,0.84,0.84199999999999997]
[null,null,56,0.84499999999999997,0.84799999999999998,0.85099999999999998,0.85399999999999998,0.85699999999999998,0.86,0.86299999999999999,0.86499999999999999,0.86799999999999999,0.871,0.874,0.877]
[null,null,57,0.88,0.88300000000000001,0.88600000000000001,0.88900000000000001,0.89200000000000002,0.89500000000000002,0.89900000000000002,0.90200000000000002,0.90500000000000003,0.90800000000000003,0.91100000000000003,0.91400000000000003]
[null,null,58,0.91700000000000004,0.92,0.92400000000000004,0.92700000000000005,0.93,0.93400000000000005,0.93700000000000006,0.94,0.94399999999999995,0.94699999999999995,0.95,0.95399999999999996]
[null,null,59,0.95699999999999996,0.96099999999999997,0.96399999999999997,0.96799999999999997,0.97099999999999997,0.97499999999999998,0.97899999999999998,0.98199999999999998,0.98599999999999999,0.98899999999999999,0.99299999999999999,0.996]
[null,null,60,1]
[]
[]
[]
[]
[]
[null,"Benefits Payable to the Member on ARER\n1995 Scheme (NPA 60)"]
[null,"Table - ERF 7",null,"Lump Sum Factors"]
[null,null,null,"Age: Complete Months"]
[null,null,null,0,1,2,3,4,5,6,7,8,9,10,11]
[null,"Years",50,0.84499999999999997,0.84599999999999997,0.84699999999999998,0.84899999999999998,0.85,0.85099999999999998,0.85199999999999998,0.85299999999999998,0.85399999999999998,0.85599999999999998,0.85699999999999998,0.85799999999999998]
[null,null,51,0.85899999999999999,0.86,0.86199999999999999,0.86299999999999999,0.86399999999999999,0.86499999999999999,0.86699999999999999,0.86799999999999999,0.86899999999999999,0.87,0.872,0.873]
[null,null,52,0.874,0.875,0.877,0.878,0.879,0.88,0.88200000000000001,0.88300000000000001,0.88400000000000001,0.88500000000000001,0.88700000000000001,0.88800000000000001]
[null,null,53,0.88900000000000001,0.89,0.89200000000000002,0.89300000000000002,0.89400000000000002,0.89500000000000002,0.89700000000000002,0.89800000000000002,0.89900000000000002,0.9,0.90200000000000002,0.90300000000000002]
[null,null,54,0.90400000000000003,0.90500000000000003,0.90700000000000003,0.90800000000000003,0.90900000000000003,0.91,0.91200000000000003,0.91300000000000003,0.91400000000000003,0.91500000000000004,0.91700000000000004,0.91800000000000004]
[null,null,55,0.91900000000000004,0.92,0.92200000000000004,0.92300000000000004,0.92400000000000004,0.92600000000000005,0.92700000000000005,0.92800000000000005,0.93,0.93100000000000005,0.93200000000000005,0.93400000000000005]
[null,null,56,0.93500000000000005,0.93600000000000005,0.93799999999999994,0.93899999999999995,0.94,0.94199999999999995,0.94299999999999995,0.94399999999999995,0.94599999999999995,0.94699999999999995,0.94799999999999995,0.95]
[null,null,57,0.95099999999999996,0.95199999999999996,0.95399999999999996,0.95499999999999996,0.95599999999999996,0.95799999999999996,0.95899999999999996,0.96,0.96199999999999997,0.96299999999999997,0.96399999999999997,0.96599999999999997]
[null,null,58,0.96699999999999997,0.96799999999999997,0.97,0.97099999999999997,0.97199999999999998,0.97399999999999998,0.97499999999999998,0.97599999999999998,0.97799999999999998,0.97899999999999998,0.98,0.98199999999999998]
[null,null,59,0.98299999999999998,0.98399999999999999,0.98599999999999999,0.98699999999999999,0.98899999999999999,0.99,0.99199999999999999,0.99299999999999999,0.99399999999999999,0.996,0.997,0.999]
[null,null,60,1]
[]
[]
[null,"Benefits Payable to the Member on ARER\n2008 Scheme (NPA 65)"]
[null,"Table - ERF 2",null,"Lump Sum Factors"]
[null,null,null,"Age: Complete Months"]
[null,null,null,0,1,2,3,4,5,6,7,8,9,10,11]
[null,"Years",50,0.54100000000000004,0.54300000000000004,0.54400000000000004,0.54600000000000004,0.54700000000000004,0.54900000000000004,0.55000000000000004,0.55200000000000005,0.55300000000000005,0.55500000000000005,0.55600000000000005,0.55800000000000005]
[null,null,51,0.55900000000000005,0.56100000000000005,0.56200000000000006,0.56399999999999995,0.56499999999999995,0.56699999999999995,0.56799999999999995,0.56999999999999995,0.57099999999999995,0.57299999999999995,0.57399999999999995,0.57599999999999996]
[null,null,52,0.57699999999999996,0.57899999999999996,0.58099999999999996,0.58199999999999996,0.58399999999999996,0.58599999999999997,0.58799999999999997,0.58899999999999997,0.59099999999999997,0.59299999999999997,0.59499999999999997,0.59599999999999997]
[null,null,53,0.59799999999999998,0.6,0.60199999999999998,0.60399999999999998,0.60499999999999998,0.60699999999999998,0.60899999999999999,0.61099999999999999,0.61299999999999999,0.61499999999999999,0.61599999999999999,0.61799999999999999]
[null,null,54,0.62,0.622,0.624,0.626,0.628,0.63,0.63200000000000001,0.63300000000000001,0.63500000000000001,0.63700000000000001,0.63900000000000001,0.64100000000000001]
[null,null,55,0.64300000000000002,0.64500000000000002,0.64700000000000002,0.65,0.65200000000000002,0.65400000000000003,0.65600000000000003,0.65800000000000003,0.66,0.66300000000000003,0.66500000000000004,0.66700000000000004]
[null,null,56,0.66900000000000004,0.67100000000000004,0.67400000000000004,0.67600000000000005,0.67800000000000005,0.68,0.68300000000000005,0.68500000000000005,0.68700000000000006,0.68899999999999995,0.69199999999999995,0.69399999999999995]
[null,null,57,0.69599999999999995,0.69899999999999995,0.70099999999999996,0.70399999999999996,0.70599999999999996,0.70899999999999996,0.71099999999999997,0.71399999999999997,0.71599999999999997,0.71899999999999997,0.72099999999999997,0.72399999999999998]
[null,null,58,0.72599999999999998,0.72899999999999998,0.73099999999999998,0.73399999999999999,0.73599999999999999,0.73899999999999999,0.74199999999999999,0.74399999999999999,0.747,0.749,0.752,0.754]
[null,null,59,0.75700000000000001,0.76,0.76300000000000001,0.76500000000000001,0.76800000000000002,0.77100000000000002,0.77400000000000002,0.77600000000000002,0.77900000000000003,0.78200000000000003,0.78500000000000003,0.78700000000000003]
[null,null,60,0.79,0.79300000000000004,0.79600000000000004,0.79900000000000004,0.80200000000000005,0.80500000000000005,0.80900000000000005,0.81200000000000006,0.81499999999999995,0.81799999999999995,0.82099999999999995,0.82399999999999995]
[null,null,61,0.82699999999999996,0.83,0.83299999999999996,0.83699999999999997,0.84,0.84299999999999997,0.84599999999999997,0.84899999999999998,0.85199999999999998,0.85599999999999998,0.85899999999999999,0.86199999999999999]
[null,null,62,0.86499999999999999,0.86899999999999999,0.872,0.876,0.879,0.88300000000000001,0.88700000000000001,0.89,0.89400000000000002,0.89700000000000002,0.90100000000000002,0.90400000000000003]
[null,null,63,0.90800000000000003,0.91200000000000003,0.91600000000000004,0.91900000000000004,0.92300000000000004,0.92700000000000005,0.93100000000000005,0.93400000000000005,0.93799999999999994,0.94199999999999995,0.94599999999999995,0.94899999999999995]
[null,null,64,0.95299999999999996,0.95699999999999996,0.96099999999999997,0.96499999999999997,0.96899999999999997,0.97299999999999998,0.97699999999999998,0.98,0.98399999999999999,0.98799999999999999,0.99199999999999999,0.996]
[null,null,65,1]
[]
[]
[null,null,"TABLE ERF11"]
[null,null,"NHS PENSION SCHEME (E&W): ACTUARIAL FACTORS"]
[null,null,"BENEFITS PAYABLE TO THE MEMBER ON VOLUNTARY EARLY RETIREMENT (WITH ACTUARIAL REDUCTION)"]
[null,null,"MEMBERS OF 2008 SECTION WITH A MANDATORY LUMP SUM (RELATIVE TO PENSION AGE OF 65)"]
[]
[null,null,"ADJUSTMENT FACTORS"]
[null,null,"Age: complete  years \\ months:",0,1,2,3,4,5,6,7,8,9,10,11]
[null,null,55,2.1999999999999999E-2,2.1999999999999999E-2,2.1999999999999999E-2,2.1999999999999999E-2,2.1000000000000001E-2,2.1000000000000001E-2,2.1000000000000001E-2,2.1000000000000001E-2,2.1000000000000001E-2,2.1000000000000001E-2,0.02,0.02]
[null,null,56,0.02,0.02,0.02,0.02,0.02,0.02,0.02,1.9E-2,1.9E-2,1.9E-2,1.9E-2,1.9E-2]
[null,null,57,1.9E-2,1.9E-2,1.9E-2,1.9E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7000000000000001E-2,1.7000000000000001E-2]
[null,null,58,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.6E-2,1.6E-2,1.6E-2,1.6E-2,1.6E-2]
[null,null,59,1.6E-2,1.6E-2,1.6E-2,1.6E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4E-2,1.4E-2]
[null,null,60,1.4E-2,1.4E-2,1.4E-2,1.4E-2,1.2999999999999999E-2,1.2999999999999999E-2,1.2999999999999999E-2,1.2999999999999999E-2,1.2999999999999999E-2,1.2999999999999999E-2,1.2E-2,1.2E-2]
[null,null,61,1.2E-2,1.2E-2,1.2E-2,1.0999999999999999E-2,1.0999999999999999E-2,1.0999999999999999E-2,1.0999999999999999E-2,0.01,0.01,0.01,0.01,8.9999999999999993E-3]
[null,null,62,8.9999999999999993E-3,8.9999999999999993E-3,8.9999999999999993E-3,8.0000000000000002E-3,8.0000000000000002E-3,8.0000000000000002E-3,8.0000000000000002E-3,7.0000000000000001E-3,7.0000000000000001E-3,7.0000000000000001E-3,7.0000000000000001E-3,6.0000000000000001E-3]
[null,null,63,6.0000000000000001E-3,6.0000000000000001E-3,6.0000000000000001E-3,5.0000000000000001E-3,5.0000000000000001E-3,5.0000000000000001E-3,5.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,3.0000000000000001E-3]
[null,null,64,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,2E-3,2E-3,2E-3,2E-3,1E-3,1E-3,1E-3,1E-3,0]
[null,null,65,0]
[]
[null,null,"(1) these factors should be used to calculate members reduced early retirement pension before commutation for mandatory (and any further optional) lump sum "]
[null,null,"(2) the relevant factor in table ERF11 should be multiplied by the member’s mandatory lump sum which has already been reduced for early payment using factors in ERF7"]
[null,null,"(3) the relevant early retirement factor from table ERF2 should be multiplied by the member’s accrued pension (before commutation for mandatory (and any further optional) lump sum)"]
[null,null,"(4) reduced pension is obtained by adding the amounts calculated in note 2 and note 3 together"]
[]
[]
[]
[]
[null,null,"TABLE ERF1 "]
[null,null,"NHS PENSION SCHEME 2015 (E&W): ACTUARIAL FACTORS"]
[null,null,"BENEFITS PAYABLE TO THE MEMBER ON VOLUNTARY EARLY RETIREMENT (WITH ACTUARIAL REDUCTION)"]
[null,null,"FACTORS APPLICABLE TO MAIN SCHEME PENSION AND ADDITIONAL PENSION"]
[null,null,"Time to NPA: Months",0,1,2,3,4,5,6,7,8,9,10,11]
[null,null,"PENSION FACTORS"]
[null,null,"Years"]
[null,null,0,1,0.996,0.99099999999999999,0.98699999999999999,0.98299999999999998,0.97799999999999998,0.97399999999999998,0.96899999999999997,0.96499999999999997,0.96099999999999997,0.95599999999999996,0.95199999999999996]
[null,null,1,0.94799999999999995,0.94399999999999995,0.93899999999999995,0.93500000000000005,0.93100000000000005,0.92700000000000005,0.92300000000000004,0.91900000000000004,0.91500000000000004,0.91100000000000003,0.90700000000000003,0.90300000000000002]
[null,null,2,0.89900000000000002,0.89600000000000002,0.89200000000000002,0.88800000000000001,0.88500000000000001,0.88100000000000001,0.877,0.874,0.87,0.86599999999999999,0.86299999999999999,0.85899999999999999]
[null,null,3,0.85499999999999998,0.85199999999999998,0.84899999999999998,0.84499999999999997,0.84199999999999997,0.83899999999999997,0.83499999999999996,0.83199999999999996,0.82799999999999996,0.82499999999999996,0.82199999999999995,0.81799999999999995]
[null,null,4,0.81499999999999995,0.81200000000000006,0.80900000000000005,0.80600000000000005,0.80200000000000005,0.79900000000000004,0.79600000000000004,0.79300000000000004,0.79,0.78700000000000003,0.78400000000000003,0.78100000000000003]
[null,null,5,0.77700000000000002,0.77500000000000002,0.77200000000000002,0.76900000000000002,0.76600000000000001,0.76300000000000001,0.76,0.75700000000000001,0.754,0.752,0.749,0.746]
[null,null,6,0.74299999999999999,0.74,0.73799999999999999,0.73499999999999999,0.73199999999999998,0.73,0.72699999999999998,0.72399999999999998,0.72099999999999997,0.71899999999999997,0.71599999999999997,0.71299999999999997]
[null,null,7,0.71099999999999997,0.70799999999999996,0.70599999999999996,0.70299999999999996,0.70099999999999996,0.69799999999999995,0.69599999999999995,0.69299999999999995,0.69099999999999995,0.68799999999999994,0.68600000000000005,0.68300000000000005]
[null,null,8,0.68100000000000005,0.67900000000000005,0.67600000000000005,0.67400000000000004,0.67200000000000004,0.66900000000000004,0.66700000000000004,0.66500000000000004,0.66200000000000003,0.66,0.65800000000000003,0.65500000000000003]
[null,null,9,0.65300000000000002,0.65100000000000002,0.64900000000000002,0.64700000000000002,0.64400000000000002,0.64200000000000002,0.64,0.63800000000000001,0.63600000000000001,0.63400000000000001,0.63100000000000001,0.629]
[null,null,10,0.627,0.625,0.623,0.621,0.61899999999999999,0.61699999999999999,0.61499999999999999,0.61299999999999999,0.61099999999999999,0.60899999999999999,0.60699999999999998,0.60499999999999998]
[null,null,11,0.60299999999999998,0.60099999999999998,0.59899999999999998,0.59699999999999998,0.59499999999999997,0.59299999999999997,0.59099999999999997,0.59,0.58799999999999997,0.58599999999999997,0.58399999999999996,0.58199999999999996]
[null,null,12,0.57999999999999996,0.57799999999999996,0.57699999999999996,0.57499999999999996,0.57299999999999995,0.57099999999999995,0.56899999999999995,0.56799999999999995,0.56599999999999995,0.56399999999999995,0.56200000000000006,0.56100000000000005]
[null,null,13,0.55900000000000005]
[null,null,"  Notes: ","(1) NPA should be substituted for RRA where appropriate"]
[null,null,"             ","(2) AP should be pro-rated to take account of unpaid contributions at date of retirement. Any paid up AP entitlement should include PI to DOR"]
[null,null,null,"(3) The appropriate factor is based on the period between DOR and NPA (or RRA) in years and months, rounded up to the next higher month.  "]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Table AB2",null,"NHS Pension Scheme (E&W): Actuarial Factors"]
[null,null,null,null,"Factors for use in abatement cases Members of 2008 Section (relative to pension age of 65)"]
[]
[null,null,"PENSION FACTORS"]
[null,null,"Age: complete  years \\ months:",0,1,2,3,4,5,6,7,8,9,10,11]
[null,null,20,0.23799999999999999,0.23899999999999999,0.23899999999999999,0.24,0.24,0.24099999999999999,0.24099999999999999,0.24199999999999999,0.24199999999999999,0.24199999999999999,0.24299999999999999,0.24299999999999999]
[null,null,21,0.24399999999999999,0.24399999999999999,0.245,0.245,0.246,0.246,0.247,0.247,0.248,0.248,0.249,0.249]
[null,null,22,0.249,0.25,0.25,0.251,0.251,0.252,0.252,0.253,0.253,0.254,0.254,0.255]
[null,null,23,0.255,0.25600000000000001,0.25600000000000001,0.25700000000000001,0.25700000000000001,0.25800000000000001,0.25800000000000001,0.25900000000000001,0.25900000000000001,0.26,0.26,0.26100000000000001]
[null,null,24,0.26100000000000001,0.26200000000000001,0.26200000000000001,0.26300000000000001,0.26300000000000001,0.26400000000000001,0.26400000000000001,0.26500000000000001,0.26500000000000001,0.26600000000000001,0.26600000000000001,0.26700000000000002]
[null,null,25,0.26700000000000002,0.26800000000000002,0.26900000000000002,0.26900000000000002,0.27,0.27,0.27100000000000002,0.27100000000000002,0.27200000000000002,0.27200000000000002,0.27300000000000002,0.27300000000000002]
[null,null,26,0.27400000000000002,0.27400000000000002,0.27500000000000002,0.27600000000000002,0.27600000000000002,0.27700000000000002,0.27700000000000002,0.27800000000000002,0.27800000000000002,0.27900000000000003,0.27900000000000003,0.28000000000000003]
[null,null,27,0.28100000000000003,0.28100000000000003,0.28199999999999997,0.28199999999999997,0.28299999999999997,0.28299999999999997,0.28399999999999997,0.28499999999999998,0.28499999999999998,0.28599999999999998,0.28599999999999998,0.28699999999999998]
[null,null,28,0.28699999999999998,0.28799999999999998,0.28899999999999998,0.28899999999999998,0.28999999999999998,0.28999999999999998,0.29099999999999998,0.29199999999999998,0.29199999999999998,0.29299999999999998,0.29299999999999998,0.29399999999999998]
[null,null,29,0.29499999999999998,0.29499999999999998,0.29599999999999999,0.29599999999999999,0.29699999999999999,0.29799999999999999,0.29799999999999999,0.29899999999999999,0.29899999999999999,0.3,0.30099999999999999,0.30099999999999999]
[null,null,30,0.30199999999999999,0.30299999999999999,0.30299999999999999,0.30399999999999999,0.30499999999999999,0.30499999999999999,0.30599999999999999,0.30599999999999999,0.307,0.308,0.308,0.309]
[null,null,31,0.31,0.31,0.311,0.312,0.312,0.313,0.314,0.314,0.315,0.316,0.316,0.317]
[null,null,32,0.318,0.318,0.31900000000000001,0.32,0.32,0.32100000000000001,0.32200000000000001,0.32200000000000001,0.32300000000000001,0.32400000000000001,0.32400000000000001,0.32500000000000001]
[null,null,33,0.32600000000000001,0.32700000000000001,0.32700000000000001,0.32800000000000001,0.32900000000000001,0.32900000000000001,0.33,0.33100000000000002,0.33200000000000002,0.33200000000000002,0.33300000000000002,0.33400000000000002]
[null,null,34,0.33400000000000002,0.33500000000000002,0.33600000000000002,0.33700000000000002,0.33700000000000002,0.33800000000000002,0.33900000000000002,0.34,0.34,0.34100000000000003,0.34200000000000003,0.34300000000000003]
[null,null,35,0.34300000000000003,0.34399999999999997,0.34499999999999997,0.34599999999999997,0.34599999999999997,0.34699999999999998,0.34799999999999998,0.34899999999999998,0.35,0.35,0.35099999999999998,0.35199999999999998]
[null,null,36,0.35299999999999998,0.35299999999999998,0.35399999999999998,0.35499999999999998,0.35599999999999998,0.35699999999999998,0.35699999999999998,0.35799999999999998,0.35899999999999999,0.36,0.36099999999999999,0.36199999999999999]
[null,null,37,0.36199999999999999,0.36299999999999999,0.36399999999999999,0.36499999999999999,0.36599999999999999,0.36699999999999999,0.36699999999999999,0.36799999999999999,0.36899999999999999,0.37,0.371,0.372]
[null,null,38,0.372,0.373,0.374,0.375,0.376,0.377,0.378,0.379,0.379,0.38,0.38100000000000001,0.38200000000000001]
[null,null,39,0.38300000000000001,0.38400000000000001,0.38500000000000001,0.38600000000000001,0.38700000000000001,0.38800000000000001,0.38800000000000001,0.38900000000000001,0.39,0.39100000000000001,0.39200000000000002,0.39300000000000002]
[null,null,40,0.39400000000000002,0.39500000000000002,0.39600000000000002,0.39700000000000002,0.39800000000000002,0.39900000000000002,0.4,0.40100000000000002,0.40200000000000002,0.40300000000000002,0.40300000000000002,0.40400000000000003]
[null,null,41,0.40500000000000003,0.40600000000000003,0.40699999999999997,0.40799999999999997,0.40899999999999997,0.41,0.41099999999999998,0.41199999999999998,0.41299999999999998,0.41399999999999998,0.41499999999999998,0.41599999999999998]
[null,null,42,0.41699999999999998,0.41799999999999998,0.42,0.42099999999999999,0.42199999999999999,0.42299999999999999,0.42399999999999999,0.42499999999999999,0.42599999999999999,0.42699999999999999,0.42799999999999999,0.42899999999999999]
[null,null,43,0.43,0.43099999999999999,0.432,0.433,0.434,0.435,0.437,0.438,0.439,0.44,0.441,0.442]
[null,null,44,0.443,0.44400000000000001,0.44500000000000001,0.44700000000000001,0.44800000000000001,0.44900000000000001,0.45,0.45100000000000001,0.45200000000000001,0.45400000000000001,0.45500000000000002,0.45600000000000002]
[null,null,45,0.45700000000000002,0.45800000000000002,0.45900000000000002,0.46100000000000002,0.46200000000000002,0.46300000000000002,0.46400000000000002,0.46500000000000002,0.46700000000000003,0.46800000000000003,0.46899999999999997,0.47]
[null,null,46,0.47199999999999998,0.47299999999999998,0.47399999999999998,0.47499999999999998,0.47699999999999998,0.47799999999999998,0.47899999999999998,0.48,0.48199999999999998,0.48299999999999998,0.48399999999999999,0.48599999999999999]
[null,null,47,0.48699999999999999,0.48799999999999999,0.48899999999999999,0.49099999999999999,0.49199999999999999,0.49299999999999999,0.495,0.496,0.498,0.499,0.5,0.502]
[null,null,48,0.503,0.504,0.50600000000000001,0.50700000000000001,0.50900000000000001,0.51,0.51100000000000001,0.51300000000000001,0.51400000000000001,0.51600000000000001,0.51700000000000002,0.51800000000000002]
[null,null,49,0.52,0.52100000000000002,0.52300000000000002,0.52400000000000002,0.52600000000000002,0.52700000000000002,0.52900000000000003,0.53,0.53200000000000003,0.53300000000000003,0.53500000000000003,0.53600000000000003]
[null,null,50,0.53800000000000003,0.53900000000000003,0.54100000000000004,0.54200000000000004,0.54400000000000004,0.54600000000000004,0.54700000000000004,0.54900000000000004,0.55000000000000004,0.55200000000000005,0.55300000000000005,0.55500000000000005]
[null,null,51,0.55700000000000005,0.55800000000000005,0.56000000000000005,0.56200000000000006,0.56299999999999994,0.56499999999999995,0.56699999999999995,0.56799999999999995,0.56999999999999995,0.57199999999999995,0.57299999999999995,0.57499999999999996]
[null,null,52,0.57699999999999996,0.57799999999999996,0.57999999999999996,0.58199999999999996,0.58399999999999996,0.58499999999999996,0.58699999999999997,0.58899999999999997,0.59099999999999997,0.59199999999999997,0.59399999999999997,0.59599999999999997]
[null,null,53,0.59799999999999998,0.6,0.60199999999999998,0.60299999999999998,0.60499999999999998,0.60699999999999998,0.60899999999999999,0.61099999999999999,0.61299999999999999,0.61499999999999999,0.61699999999999999,0.61799999999999999]
[null,null,54,0.62,0.622,0.624,0.626,0.628,0.63,0.63200000000000001,0.63400000000000001,0.63600000000000001,0.63800000000000001,0.64,0.64200000000000002]
[null,null,55,0.64400000000000002,0.64600000000000002,0.64800000000000002,0.65100000000000002,0.65300000000000002,0.65500000000000003,0.65700000000000003,0.65900000000000003,0.66100000000000003,0.66300000000000003,0.66500000000000004,0.66800000000000004]
[null,null,56,0.67,0.67200000000000004,0.67400000000000004,0.67700000000000005,0.67900000000000005,0.68100000000000005,0.68300000000000005,0.68600000000000005,0.68799999999999994,0.69,0.69199999999999995,0.69499999999999995]
[null,null,57,0.69699999999999995,0.69899999999999995,0.70199999999999996,0.70399999999999996,0.70699999999999996,0.70899999999999996,0.71099999999999997,0.71399999999999997,0.71599999999999997,0.71899999999999997,0.72099999999999997,0.72399999999999998]
[null,null,58,0.72599999999999998,0.72899999999999998,0.73099999999999998,0.73399999999999999,0.73599999999999999,0.73899999999999999,0.74199999999999999,0.74399999999999999,0.747,0.749,0.752,0.755]
[null,null,59,0.75700000000000001,0.76,0.76300000000000001,0.76600000000000001,0.76800000000000002,0.77100000000000002,0.77400000000000002,0.77700000000000002,0.77900000000000003,0.78200000000000003,0.78500000000000003,0.78800000000000003]
[null,null,60,0.79100000000000004,0.79400000000000004,0.79700000000000004,0.8,0.80300000000000005,0.80600000000000005,0.80900000000000005,0.81200000000000006,0.81499999999999995,0.81799999999999995,0.82099999999999995,0.82399999999999995]
[null,null,61,0.82699999999999996,0.83,0.83299999999999996,0.83599999999999997,0.83899999999999997,0.84299999999999997,0.84599999999999997,0.84899999999999998,0.85199999999999998,0.85599999999999998,0.85899999999999999,0.86199999999999999]
[null,null,62,0.86499999999999999,0.86899999999999999,0.872,0.876,0.879,0.88300000000000001,0.88600000000000001,0.89,0.89300000000000002,0.89700000000000002,0.9,0.90400000000000003]
[null,null,63,0.90700000000000003,0.91100000000000003,0.91500000000000004,0.91900000000000004,0.92200000000000004,0.92600000000000005,0.93,0.93400000000000005,0.93799999999999994,0.94099999999999995,0.94499999999999995,0.94899999999999995]
[null,null,64,0.95299999999999996,0.95699999999999996,0.96099999999999997,0.96499999999999997,0.96899999999999997,0.97299999999999998,0.97699999999999998,0.98199999999999998,0.98599999999999999,0.99,0.99399999999999999,0.998]
[null,null,65,1]
[null,1,"These factors are to be used to determine theearned portion of a pension foe abatement puposes."]
[null,2,"Factors should be applied to unreduced pension as the member's retirement date before any allowance for commutation (unless due to allocation)"]
[null,3,"Applicable for 2008 section Main Schem Pension, 1995 Section NPA 65 Added Years' pension and 1995 and 2008 section NPA65 Additional Pension ( contracts exercised from 1 April 2011 onwards)"]
[null,4,"Retirement from active or presered status in ill health (immediate pension increases)"]
[]
[]
[]
[]
[null,null,"Table AB6",null,"NHS Pension Scheme (E&W): Actuarial Factors"]
[null,null,null,null,"Factors for use in abatement cases Members of 2008 Section with Mandatory Lump Sum (relative to pension age of 65)"]
[]
[null,null,"PENSION FACTORS"]
[null,null,"Age: complete  years \\ months:",0,1,2,3,4,5,6,7,8,9,10,11]
[null,null,16,1.9099999999999999E-2,1.9099999999999999E-2,1.9199999999999998E-2,1.9199999999999998E-2,1.9199999999999998E-2,1.9300000000000001E-2,1.9300000000000001E-2,1.9300000000000001E-2,1.9400000000000001E-2,1.9400000000000001E-2,1.9400000000000001E-2,1.95E-2,null,129,129,129,130,130,130,131,131,132,132,132]
[null,null,17,1.95E-2,1.9599999999999999E-2,1.9599999999999999E-2,1.9599999999999999E-2,1.9699999999999999E-2,1.9699999999999999E-2,1.9699999999999999E-2,1.9800000000000002E-2,1.9800000000000002E-2,1.9800000000000002E-2,1.9900000000000001E-2,1.9900000000000001E-2,null,133,133,134,134,135,135,135,136,136,136,137]
[null,null,18,0.02,0.02,0.02,2.01E-2,2.01E-2,2.01E-2,2.0199999999999999E-2,2.0199999999999999E-2,2.0299999999999999E-2,2.0299999999999999E-2,2.0299999999999999E-2,2.0400000000000001E-2,null,138,138,138,139,139,140,140,140,141,141,142]
[null,null,19,2.0400000000000001E-2,2.0400000000000001E-2,2.0500000000000001E-2,2.0500000000000001E-2,2.06E-2,2.06E-2,2.06E-2,2.07E-2,2.07E-2,2.0799999999999999E-2,2.0799999999999999E-2,2.0799999999999999E-2,null,142,143,143,144,144,144,145,145,146,146,146]
[null,null,20,2.0899999999999998E-2,2.0899999999999998E-2,2.1000000000000001E-2,2.1000000000000001E-2,2.1000000000000001E-2,2.1100000000000001E-2,2.1100000000000001E-2,2.12E-2,2.12E-2,2.12E-2,2.1299999999999999E-2,2.1299999999999999E-2,null,147,148,148,149,149,149,150,150,151,151,151]
[null,null,21,2.1399999999999999E-2,2.1399999999999999E-2,2.1399999999999999E-2,2.1499999999999998E-2,2.1499999999999998E-2,2.1600000000000001E-2,2.1600000000000001E-2,2.1600000000000001E-2,2.1700000000000001E-2,2.1700000000000001E-2,2.18E-2,2.18E-2,null,152,153,153,154,154,155,155,155,156,156,157]
[null,null,22,2.18E-2,2.1899999999999999E-2,2.1899999999999999E-2,2.1999999999999999E-2,2.1999999999999999E-2,2.2100000000000002E-2,2.2100000000000002E-2,2.2100000000000002E-2,2.2200000000000001E-2,2.2200000000000001E-2,2.23E-2,2.23E-2,null,158,158,159,159,160,160,160,161,161,162,162]
[null,null,23,2.24E-2,2.24E-2,2.24E-2,2.2499999999999999E-2,2.2499999999999999E-2,2.2599999999999999E-2,2.2599999999999999E-2,2.2700000000000001E-2,2.2700000000000001E-2,2.2800000000000001E-2,2.2800000000000001E-2,2.2800000000000001E-2,null,163,164,164,165,165,166,166,167,167,168,168]
[null,null,24,2.29E-2,2.29E-2,2.3E-2,2.3E-2,2.3099999999999999E-2,2.3099999999999999E-2,2.3199999999999998E-2,2.3199999999999998E-2,2.3199999999999998E-2,2.3300000000000001E-2,2.3300000000000001E-2,2.3400000000000001E-2,null,169,169,170,170,171,171,172,172,173,173,174]
[null,null,25,2.3400000000000001E-2,2.35E-2,2.35E-2,2.3599999999999999E-2,2.3599999999999999E-2,2.3699999999999999E-2,2.3699999999999999E-2,2.3800000000000002E-2,2.3800000000000002E-2,2.3900000000000001E-2,2.3900000000000001E-2,2.3900000000000001E-2,null,175,175,176,177,177,178,178,179,179,180,180]
[null,null,26,2.4E-2,2.4E-2,2.41E-2,2.41E-2,2.4199999999999999E-2,2.4199999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4400000000000002E-2,2.4400000000000002E-2,2.4500000000000001E-2,2.4500000000000001E-2,null,181,182,182,183,183,184,184,185,186,186,187]
[null,null,27,2.46E-2,2.46E-2,2.47E-2,2.47E-2,2.4799999999999999E-2,2.4799999999999999E-2,2.4899999999999999E-2,2.4899999999999999E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5100000000000001E-2,2.5100000000000001E-2,null,188,188,189,189,190,191,191,192,192,193,193]
[null,null,28,2.52E-2,2.52E-2,2.53E-2,2.53E-2,2.5399999999999999E-2,2.5399999999999999E-2,2.5499999999999998E-2,2.5600000000000001E-2,2.5600000000000001E-2,2.5700000000000001E-2,2.5700000000000001E-2,2.58E-2,null,194,195,196,196,197,197,198,199,199,200,200]
[null,null,29,2.58E-2,2.5899999999999999E-2,2.5899999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.6100000000000002E-2,2.6100000000000002E-2,2.6200000000000001E-2,2.6200000000000001E-2,2.63E-2,2.64E-2,2.64E-2,null,202,202,203,203,204,205,205,206,206,207,208]
[null,null,30,2.6499999999999999E-2,2.6499999999999999E-2,2.6599999999999999E-2,2.6599999999999999E-2,2.6700000000000002E-2,2.6700000000000002E-2,2.6800000000000001E-2,2.69E-2,2.69E-2,2.7E-2,2.7E-2,2.7099999999999999E-2,null,209,210,210,211,211,212,213,213,214,215,215]
[null,null,31,2.7099999999999999E-2,2.7199999999999998E-2,2.7300000000000001E-2,2.7300000000000001E-2,2.7400000000000001E-2,2.7400000000000001E-2,2.75E-2,2.75E-2,2.76E-2,2.7699999999999999E-2,2.7699999999999999E-2,2.7799999999999998E-2,null,217,217,218,219,219,220,221,221,222,223,223]
[null,null,32,2.7799999999999998E-2,2.7900000000000001E-2,2.8000000000000001E-2,2.8000000000000001E-2,2.81E-2,2.81E-2,2.8199999999999999E-2,2.8299999999999999E-2,2.8299999999999999E-2,2.8400000000000002E-2,2.8400000000000002E-2,2.8500000000000001E-2,null,225,225,226,227,227,228,229,229,230,231,231]
[null,null,33,2.86E-2,2.86E-2,2.87E-2,2.8799999999999999E-2,2.8799999999999999E-2,2.8899999999999999E-2,2.8899999999999999E-2,2.9000000000000001E-2,2.9100000000000001E-2,2.9100000000000001E-2,2.92E-2,2.93E-2,null,233,234,234,235,236,237,237,230,239,239,240]
[null,null,34,2.93E-2,2.9399999999999999E-2,2.9499999999999998E-2,2.9499999999999998E-2,2.9600000000000001E-2,2.9700000000000001E-2,2.9700000000000001E-2,2.98E-2,2.98E-2,2.9899999999999999E-2,0.03,0.03,null,242,242,243,244,245,245,246,247,248,248,249]
[null,null,35,3.0099999999999998E-2,3.0200000000000001E-2,3.0200000000000001E-2,3.0300000000000001E-2,3.04E-2,3.0499999999999999E-2,3.0499999999999999E-2,3.0599999999999999E-2,3.0700000000000002E-2,3.0700000000000002E-2,3.0800000000000001E-2,3.09E-2,null,251,252,252,253,254,255,255,256,257,258,259]
[null,null,36,3.09E-2,3.1E-2,3.1099999999999999E-2,3.1099999999999999E-2,3.1199999999999999E-2,3.1300000000000001E-2,3.1399999999999997E-2,3.1399999999999997E-2,3.15E-2,3.1600000000000003E-2,3.1600000000000003E-2,3.1699999999999999E-2,null,260,261,262,263,264,264,265,266,267,268,269]
[null,null,37,3.1800000000000002E-2,3.1899999999999998E-2,3.1899999999999998E-2,3.2000000000000001E-2,3.2099999999999997E-2,3.2199999999999999E-2,3.2199999999999999E-2,3.2300000000000002E-2,3.2399999999999998E-2,3.2399999999999998E-2,3.2500000000000001E-2,3.2599999999999997E-2,null,270,271,272,273,274,275,275,276,277,278,279]
[null,null,38,3.27E-2,3.27E-2,3.2800000000000003E-2,3.2899999999999999E-2,3.3000000000000002E-2,3.3099999999999997E-2,3.3099999999999997E-2,3.32E-2,3.3300000000000003E-2,3.3399999999999999E-2,3.3399999999999999E-2,3.3500000000000002E-2,null,281,282,282,283,284,285,286,287,288,289,290]
[null,null,39,3.3599999999999998E-2,3.3700000000000001E-2,3.3799999999999997E-2,3.3799999999999997E-2,3.39E-2,3.4000000000000002E-2,3.4099999999999998E-2,3.4200000000000001E-2,3.4200000000000001E-2,3.4299999999999997E-2,3.44E-2,3.4500000000000003E-2,null,292,293,294,294,295,296,297,298,299,300,301]
[null,null,40,3.4599999999999999E-2,3.4700000000000002E-2,3.4700000000000002E-2,3.4799999999999998E-2,3.49E-2,3.5000000000000003E-2,3.5099999999999999E-2,3.5200000000000002E-2,3.5200000000000002E-2,3.5299999999999998E-2,3.5400000000000001E-2,3.5499999999999997E-2,null,303,304,305,306,307,308,309,310,311,312,313]
[null,null,41,3.56E-2,3.5700000000000003E-2,3.5799999999999998E-2,3.5799999999999998E-2,3.5900000000000001E-2,3.5999999999999997E-2,3.61E-2,3.6200000000000003E-2,3.6299999999999999E-2,3.6400000000000002E-2,3.6499999999999998E-2,3.6499999999999998E-2,null,315,316,317,318,319,320,321,322,323,324,326]
[null,null,42,3.6600000000000001E-2,3.6700000000000003E-2,3.6799999999999999E-2,3.6900000000000002E-2,3.6999999999999998E-2,3.7100000000000001E-2,3.7199999999999997E-2,3.73E-2,3.7400000000000003E-2,3.7499999999999999E-2,3.7600000000000001E-2,3.7699999999999997E-2,null,328,329,330,331,332,333,334,335,336,338,339]
[null,null,43,3.7699999999999997E-2,3.78E-2,3.7900000000000003E-2,3.7999999999999999E-2,3.8100000000000002E-2,3.8199999999999998E-2,3.8300000000000001E-2,3.8399999999999997E-2,3.85E-2,3.8600000000000002E-2,3.8699999999999998E-2,3.8800000000000001E-2,null,341,342,343,344,345,347,348,349,350,351,352]
[null,null,44,3.8899999999999997E-2,3.9E-2,3.9100000000000003E-2,3.9199999999999999E-2,3.9300000000000002E-2,3.9399999999999998E-2,3.95E-2,3.9600000000000003E-2,3.9699999999999999E-2,3.9800000000000002E-2,3.9899999999999998E-2,0.04,null,355,356,357,358,360,361,362,363,364,366,367]
[null,null,45,4.0099999999999997E-2,4.02E-2,4.0300000000000002E-2,4.0399999999999998E-2,4.0599999999999997E-2,4.07E-2,4.0800000000000003E-2,4.0899999999999999E-2,4.1000000000000002E-2,4.1099999999999998E-2,4.1200000000000001E-2,4.1300000000000003E-2,null,369,371,372,373,374,376,377,378,380,381,382]
[null,null,46,4.1399999999999999E-2,4.1500000000000002E-2,4.1599999999999998E-2,4.1700000000000001E-2,4.19E-2,4.2000000000000003E-2,4.2099999999999999E-2,4.2200000000000001E-2,4.2299999999999997E-2,4.24E-2,4.2500000000000003E-2,4.2599999999999999E-2,null,385,386,387,389,390,391,393,394,395,397,398]
[null,null,47,4.2700000000000002E-2,4.2900000000000001E-2,4.2999999999999997E-2,4.3099999999999999E-2,4.3200000000000002E-2,4.3299999999999998E-2,4.3499999999999997E-2,4.36E-2,4.3700000000000003E-2,4.3799999999999999E-2,4.3900000000000002E-2,4.3999999999999997E-2,null,401,402,404,405,407,408,409,411,412,414,415]
[null,null,48,4.4200000000000003E-2,4.4299999999999999E-2,4.4400000000000002E-2,4.4499999999999998E-2,4.4699999999999997E-2,4.48E-2,4.4900000000000002E-2,4.4999999999999998E-2,4.5199999999999997E-2,4.53E-2,4.5400000000000003E-2,4.5499999999999999E-2,null,418,419,421,422,424,425,427,428,430,431,433]
[null,null,49,4.5699999999999998E-2,4.58E-2,4.5900000000000003E-2,4.6100000000000002E-2,4.6199999999999998E-2,4.6300000000000001E-2,4.6399999999999997E-2,4.6600000000000003E-2,4.6699999999999998E-2,4.6800000000000001E-2,4.7E-2,4.7100000000000003E-2,null,436,437,439,441,442,444,445,447,448,450,452]
[null,null,50,4.7199999999999999E-2,4.7399999999999998E-2,4.7500000000000001E-2,4.7600000000000003E-2,4.7800000000000002E-2,4.7899999999999998E-2,4.8099999999999997E-2,4.82E-2,4.8300000000000003E-2,4.8500000000000001E-2,4.8599999999999997E-2,4.8800000000000003E-2,null,455,457,458,460,461,463,465,466,468,470,471]
[null,null,51,4.8899999999999999E-2,4.9000000000000002E-2,4.9200000000000001E-2,4.9299999999999997E-2,4.9500000000000002E-2,4.9599999999999998E-2,4.9799999999999997E-2,4.99E-2,5.0099999999999999E-2,5.0200000000000002E-2,5.04E-2,5.0500000000000003E-2,null,475,477,478,480,482,484,485,487,489,491,492]
[null,null,52,5.0700000000000002E-2,5.0799999999999998E-2,5.0999999999999997E-2,5.11E-2,5.1299999999999998E-2,5.1400000000000001E-2,5.16E-2,5.1700000000000003E-2,5.1900000000000002E-2,5.21E-2,5.2200000000000003E-2,5.2400000000000002E-2,null,496,498,500,502,504,505,507,509,511,513,515]
[null,null,53,5.2499999999999998E-2,5.2699999999999997E-2,5.2900000000000003E-2,5.2999999999999999E-2,5.3199999999999997E-2,5.33E-2,5.3499999999999999E-2,5.3699999999999998E-2,5.3800000000000001E-2,5.3999999999999999E-2,5.4199999999999998E-2,5.4300000000000001E-2,null,519,521,522,524,526,528,530,532,534,536,538]
[null,null,54,5.45E-2,5.4699999999999999E-2,5.4899999999999997E-2,5.5E-2,5.5199999999999999E-2,5.5399999999999998E-2,5.5599999999999997E-2,5.57E-2,5.5899999999999998E-2,5.6099999999999997E-2,5.6300000000000003E-2,5.6399999999999999E-2,null,542,544,547,549,551,553,555,557,559,561,563]
[null,null,55,5.6599999999999998E-2,5.6800000000000003E-2,5.7000000000000002E-2,5.7200000000000001E-2,5.74E-2,5.7500000000000002E-2,5.7700000000000001E-2,5.79E-2,5.8099999999999999E-2,5.8299999999999998E-2,5.8500000000000003E-2,5.8700000000000002E-2,null,568,570,572,574,576,579,581,583,585,588,590]
[null,null,56,5.8900000000000001E-2,5.91E-2,5.9299999999999999E-2,5.9499999999999997E-2,5.9700000000000003E-2,5.9799999999999999E-2,0.06,6.0199999999999997E-2,6.0400000000000002E-2,6.0600000000000001E-2,6.08E-2,6.0999999999999999E-2,null,594,597,599,602,604,606,609,611,613,616,618]
[null,null,57,6.1199999999999997E-2,6.1499999999999999E-2,6.1699999999999998E-2,6.1899999999999997E-2,6.2100000000000002E-2,6.2300000000000001E-2,6.25E-2,6.2700000000000006E-2,6.2899999999999998E-2,6.3200000000000006E-2,6.3399999999999998E-2,6.3600000000000004E-2,null,623,626,628,631,633,636,638,641,643,646,648]
[null,null,58,6.3799999999999996E-2,6.4000000000000001E-2,6.4299999999999996E-2,6.4500000000000002E-2,6.4699999999999994E-2,6.4899999999999999E-2,6.5199999999999994E-2,6.54E-2,6.5600000000000006E-2,6.59E-2,6.6100000000000006E-2,6.6299999999999998E-2,null,563,656,659,661,664,667,669,672,675,678,680]
[null,null,59,6.6500000000000004E-2,6.6799999999999998E-2,6.7000000000000004E-2,6.7299999999999999E-2,6.7500000000000004E-2,6.7799999999999999E-2,6.8000000000000005E-2,6.83E-2,6.8500000000000005E-2,6.8699999999999997E-2,6.9000000000000006E-2,6.9199999999999998E-2,null,686,689,692,694,697,700,703,706,709,712,715]
[null,null,60,6.9500000000000006E-2,6.9699999999999998E-2,6.9800000000000001E-2,7.0000000000000007E-2,7.0199999999999999E-2,7.0400000000000004E-2,7.0599999999999996E-2,7.0800000000000002E-2,7.0999999999999994E-2,7.1199999999999999E-2,7.1400000000000005E-2,7.1599999999999997E-2,null,719,720,722,724,725,727,729,731,732,734,736]
[null,null,61,7.1800000000000003E-2,7.1999999999999995E-2,7.2300000000000003E-2,7.2499999999999995E-2,7.2700000000000001E-2,7.2900000000000006E-2,7.3099999999999998E-2,7.3300000000000004E-2,7.3499999999999996E-2,7.3800000000000004E-2,7.3999999999999996E-2,7.4200000000000002E-2,null,739,741,743,745,746,748,750,752,754,756,757]
[null,null,62,7.4399999999999994E-2,7.46E-2,7.4899999999999994E-2,7.51E-2,7.5300000000000006E-2,7.5600000000000001E-2,7.5800000000000006E-2,7.5999999999999998E-2,7.6300000000000007E-2,7.6499999999999999E-2,7.6700000000000004E-2,7.6899999999999996E-2,null,761,763,765,767,769,771,773,775,777,779,781]
[null,null,63,7.7200000000000005E-2,7.7399999999999997E-2,7.7700000000000005E-2,7.7899999999999997E-2,7.8200000000000006E-2,7.8399999999999997E-2,7.8700000000000006E-2,7.8899999999999998E-2,7.9200000000000007E-2,7.9399999999999998E-2,7.9699999999999993E-2,7.9899999999999999E-2,null,785,787,789,791,793,795,797,799,801,803,806]
[null,null,64,8.0199999999999994E-2,8.0500000000000002E-2,8.0699999999999994E-2,8.1000000000000003E-2,8.1299999999999997E-2,8.1600000000000006E-2,8.1799999999999998E-2,8.2100000000000006E-2,8.2400000000000001E-2,8.2699999999999996E-2,8.2900000000000001E-2,8.3199999999999996E-2,null,810,812,814,817,819,821,823,826,828,830,832]
[null,null,65,8.3299999999999999E-2]
[null,null,"Notes:"]
[null,null,"1) These factors are to be used to determine the earned portion for abatement purposes"]
[null,null,"2) The relevant mandatory lump sum adjustment factor should be multiplied by the member’s mandatory lump sum"]
[null,null,"3) The relevant early retirement factor should be multiplied by the member’s accrued pension"]
[null,null,"4) Reduced pension is obtained by subtracting the amount calculated in (2) from (3) (see formulae)"]
[null,null,"5) Reduced pension to be calculated before commutation for mandatory (and any further optional) lump sum"]
[null,null,"6) Applicable for 2008 section choice optants"]
[]
[]
[null,null,"Table AB1",null,"NHSPS 2015 (E&W): ACTUARIAL FACTORS",null,null,null,null,"Please note this table is the same as ERF1 currently"]
[null,null,null,null,"FACTORS FOR USE IN ABATEMENT CASES"]
[]
[null,null,"Time to NPA: Months",0,1,2,3,4,5,6,7,8,9,10,11]
[null,null,"PENSION FACTORS"]
[null,null,"Years"]
[null,null,0,1,0.996,0.99099999999999999,0.98699999999999999,0.98299999999999998,0.97799999999999998,0.97399999999999998,0.96899999999999997,0.96499999999999997,0.96099999999999997,0.95599999999999996,0.95199999999999996]
[null,null,1,0.94799999999999995,0.94399999999999995,0.93899999999999995,0.93500000000000005,0.93100000000000005,0.92700000000000005,0.92300000000000004,0.91900000000000004,0.91500000000000004,0.91100000000000003,0.90700000000000003,0.90300000000000002]
[null,null,2,0.89900000000000002,0.89600000000000002,0.89200000000000002,0.88800000000000001,0.88500000000000001,0.88100000000000001,0.877,0.874,0.87,0.86599999999999999,0.86299999999999999,0.85899999999999999]
[null,null,3,0.85499999999999998,0.85199999999999998,0.84899999999999998,0.84499999999999997,0.84199999999999997,0.83899999999999997,0.83499999999999996,0.83199999999999996,0.82799999999999996,0.82499999999999996,0.82199999999999995,0.81799999999999995]
[null,null,4,0.81499999999999995,0.81200000000000006,0.80900000000000005,0.80600000000000005,0.80200000000000005,0.79900000000000004,0.79600000000000004,0.79300000000000004,0.79,0.78700000000000003,0.78400000000000003,0.78100000000000003]
[null,null,5,0.77700000000000002,0.77500000000000002,0.77200000000000002,0.76900000000000002,0.76600000000000001,0.76300000000000001,0.76,0.75700000000000001,0.754,0.752,0.749,0.746]
[null,null,6,0.74299999999999999,0.74,0.73799999999999999,0.73499999999999999,0.73199999999999998,0.73,0.72699999999999998,0.72399999999999998,0.72099999999999997,0.71899999999999997,0.71599999999999997,0.71299999999999997]
[null,null,7,0.71099999999999997,0.70799999999999996,0.70599999999999996,0.70299999999999996,0.70099999999999996,0.69799999999999995,0.69599999999999995,0.69299999999999995,0.69099999999999995,0.68799999999999994,0.68600000000000005,0.68300000000000005]
[null,null,8,0.68100000000000005,0.67900000000000005,0.67600000000000005,0.67400000000000004,0.67200000000000004,0.66900000000000004,0.66700000000000004,0.66500000000000004,0.66200000000000003,0.66,0.65800000000000003,0.65500000000000003]
[null,null,9,0.65300000000000002,0.65100000000000002,0.64900000000000002,0.64700000000000002,0.64400000000000002,0.64200000000000002,0.64,0.63800000000000001,0.63600000000000001,0.63400000000000001,0.63100000000000001,0.629]
[null,null,10,0.627,0.625,0.623,0.621,0.61899999999999999,0.61699999999999999,0.61499999999999999,0.61299999999999999,0.61099999999999999,0.60899999999999999,0.60699999999999998,0.60499999999999998]
[null,null,11,0.60299999999999998,0.60099999999999998,0.59899999999999998,0.59699999999999998,0.59499999999999997,0.59299999999999997,0.59099999999999997,0.59,0.58799999999999997,0.58599999999999997,0.58399999999999996,0.58199999999999996]
[null,null,12,0.57999999999999996,0.57799999999999996,0.57699999999999996,0.57499999999999996,0.57299999999999995,0.57099999999999995,0.56899999999999995,0.56799999999999995,0.56599999999999995,0.56399999999999995,0.56200000000000006,0.56100000000000005]
[null,null,13,0.55900000000000005,0.55700000000000005,0.55500000000000005,0.55400000000000005,0.55200000000000005,0.55000000000000004,0.54900000000000004,0.54700000000000004,0.54500000000000004,0.54400000000000004,0.54200000000000004,0.54]
[null,null,14,0.53900000000000003,0.53700000000000003,0.53500000000000003,0.53400000000000003,0.53200000000000003,0.53100000000000003,0.52900000000000003,0.52800000000000002,0.52600000000000002,0.52400000000000002,0.52300000000000002,0.52100000000000002]
[null,null,15,0.52,0.51800000000000002,0.51700000000000002,0.51500000000000001,0.51400000000000001,0.51200000000000001,0.51100000000000001,0.50900000000000001,0.50800000000000001,0.50600000000000001,0.505,0.503]
[null,null,16,0.502,0.5,0.499,0.498,0.496,0.495,0.49299999999999999,0.49199999999999999,0.49099999999999999,0.48899999999999999,0.48799999999999999,0.48599999999999999]
[null,null,17,0.48499999999999999,0.48399999999999999,0.48199999999999998,0.48099999999999998,0.48,0.47799999999999998,0.47699999999999998,0.47599999999999998,0.47399999999999998,0.47299999999999998,0.47199999999999998,0.47]
[null,null,18,0.46899999999999997,0.46800000000000003,0.46600000000000003,0.46500000000000002,0.46400000000000002,0.46300000000000002,0.46100000000000002,0.46,0.45900000000000002,0.45800000000000002,0.45600000000000002,0.45500000000000002]
[null,null,19,0.45400000000000001,0.45300000000000001,0.45100000000000001,0.45,0.44900000000000001,0.44800000000000001,0.44700000000000001,0.44500000000000001,0.44400000000000001,0.443,0.442,0.441]
[null,null,20,0.439,0.438,0.437,0.436,0.435,0.434,0.433,0.43099999999999999,0.43,0.42899999999999999,0.42799999999999999,0.42699999999999999]
[null,null,21,0.42599999999999999,0.42499999999999999,0.42399999999999999,0.42199999999999999,0.42099999999999999,0.42,0.41899999999999998,0.41799999999999998,0.41699999999999998,0.41599999999999998,0.41499999999999998,0.41399999999999998]
[null,null,22,0.41299999999999998,0.41199999999999998,0.41099999999999998,0.41,0.40899999999999997,0.40799999999999997,0.40699999999999997,0.40600000000000003,0.40400000000000003,0.40300000000000002,0.40200000000000002,0.40100000000000002]
[null,null,23,0.4,0.39900000000000002,0.39800000000000002,0.39700000000000002,0.39600000000000002,0.39500000000000002,0.39400000000000002,0.39300000000000002,0.39200000000000002,0.39100000000000001,0.39100000000000001,0.39]
[null,null,24,0.38900000000000001,0.38800000000000001,0.38700000000000001,0.38600000000000001,0.38500000000000001,0.38400000000000001,0.38300000000000001,0.38200000000000001,0.38100000000000001,0.38,0.379,0.378]
[null,null,25,0.377,0.376,0.375,0.375,0.374,0.373,0.372,0.371,0.37,0.36899999999999999,0.36799999999999999,0.36699999999999999]
[null,null,26,0.36699999999999999,0.36599999999999999,0.36499999999999999,0.36399999999999999,0.36299999999999999,0.36199999999999999,0.36099999999999999,0.36099999999999999,0.36,0.35899999999999999,0.35799999999999998,0.35699999999999998]
[null,null,27,0.35599999999999998,0.35499999999999998,0.35499999999999998,0.35399999999999998,0.35299999999999998,0.35199999999999998,0.35099999999999998,0.35,0.35,0.34899999999999998,0.34799999999999998,0.34699999999999998]
[null,null,28,0.34599999999999997,0.34599999999999997,0.34499999999999997,0.34399999999999997,0.34300000000000003,0.34200000000000003,0.34200000000000003,0.34100000000000003,0.34,0.33900000000000002,0.33900000000000002,0.33800000000000002]
[null,null,29,0.33700000000000002,0.33600000000000002,0.33500000000000002,0.33500000000000002,0.33400000000000002,0.33300000000000002,0.33200000000000002,0.33200000000000002,0.33100000000000002,0.33,0.32900000000000001,0.32900000000000001]
[null,null,30,0.32800000000000001,0.32700000000000001,0.32600000000000001,0.32600000000000001,0.32500000000000001,0.32400000000000001,0.32400000000000001,0.32300000000000001,0.32200000000000001,0.32100000000000001,0.32100000000000001,0.32]
[null,null,31,0.31900000000000001,0.31900000000000001,0.318,0.317,0.316,0.316,0.315,0.314,0.314,0.313,0.312,0.312]
[null,null,32,0.311,0.31,0.31,0.309,0.308,0.308,0.307,0.30599999999999999,0.30599999999999999,0.30499999999999999,0.30399999999999999,0.30399999999999999]
[null,null,33,0.30299999999999999,0.30199999999999999,0.30199999999999999,0.30099999999999999,0.3,0.3,0.29899999999999999,0.29799999999999999,0.29799999999999999,0.29699999999999999,0.29599999999999999,0.29599999999999999]
[null,null,34,0.29499999999999998,0.29499999999999998,0.29399999999999998,0.29299999999999998,0.29299999999999998,0.29199999999999998,0.29099999999999998,0.29099999999999998,0.28999999999999998,0.28999999999999998,0.28899999999999998,0.28799999999999998]
[null,null,35,0.28799999999999998,0.28699999999999998,0.28699999999999998,0.28599999999999998,0.28499999999999998,0.28499999999999998,0.28399999999999997,0.28399999999999997,0.28299999999999997,0.28199999999999997,0.28199999999999997,0.28100000000000003]
[null,null,36,0.28100000000000003,0.28000000000000003,0.27900000000000003,0.27900000000000003,0.27800000000000002,0.27800000000000002,0.27700000000000002,0.27700000000000002,0.27600000000000002,0.27500000000000002,0.27500000000000002,0.27400000000000002]
[null,null,37,0.27400000000000002,0.27300000000000002,0.27300000000000002,0.27200000000000002,0.27200000000000002,0.27100000000000002,0.27,0.27,0.26900000000000002,0.26900000000000002,0.26800000000000002,0.26800000000000002]
[null,null,38,0.26700000000000002,0.26700000000000002,0.26600000000000001,0.26500000000000001,0.26500000000000001,0.26400000000000001,0.26400000000000001,0.26300000000000001,0.26300000000000001,0.26200000000000001,0.26200000000000001,0.26100000000000001]
[null,null,39,0.26100000000000001,0.26,0.26,0.25900000000000001,0.25900000000000001,0.25800000000000001,0.25800000000000001,0.25700000000000001,0.25700000000000001,0.25600000000000001,0.25600000000000001,0.255]
[null,null,40,0.255]

{"sheet":"CER Factors 01-11-2023","index":7,"n_rows":49,"n_cols":15,"rows_kept":49,"cut":false,"hidden":true,"merged":[[31,3,31,14],[32,3,32,14],[34,1,44,1],[48,2,48,14],[1,2,1,14],[3,1,3,14],[4,3,4,14],[5,3,5,14],[7,1,25,1],[30,1,30,14]]}
["Factors in these tables are applicable from 1st November 2023"]
[null,null,"NHS Pension Scheme (E&W): Acutarial Factors"]
[]
[null,"Cost for a Member leaving on Complusory Early Retirement\nFactors Applicable to Main Pension Scheme"]
[null,"Table - CER 1",null,"Pension Factors"]
[null,null,null,"Age: Complete Months"]
[null,null,null,0,1,2,3,4,5,6,7,8,9,10,11]
[null,"Complete Years",50,27.995999999999999,27.957999999999998,27.919,27.88,27.841999999999999,27.803000000000001,27.765000000000001,27.725999999999999,27.687999999999999,27.649000000000001,27.611000000000001,27.571999999999999]
[null,null,51,27.533000000000001,27.492999999999999,27.452000000000002,27.411999999999999,27.370999999999999,27.331,27.29,27.25,27.209,27.169,27.128,27.087]
[null,null,52,27.047000000000001,27.004000000000001,26.962,26.919,26.876999999999999,26.834,26.791,26.748999999999999,26.706,26.664000000000001,26.620999999999999,26.577999999999999]
[null,null,53,26.536000000000001,26.491,26.446000000000002,26.402000000000001,26.356999999999999,26.312000000000001,26.266999999999999,26.222999999999999,26.178000000000001,26.132999999999999,26.088000000000001,26.044]
[null,null,54,25.998999999999999,25.952000000000002,25.905000000000001,25.858000000000001,25.811,25.763999999999999,25.716999999999999,25.67,25.623000000000001,25.577000000000002,25.53,25.483000000000001]
[null,null,55,25.436,25.387,25.338999999999999,25.29,25.241,25.193000000000001,25.143999999999998,25.096,25.047000000000001,24.998000000000001,24.95,24.901]
[null,null,56,24.853000000000002,24.803000000000001,24.754000000000001,24.704999999999998,24.655999999999999,24.606999999999999,24.558,24.509,24.46,24.411000000000001,24.361999999999998,24.312999999999999]
[null,null,57,24.263000000000002,24.213999999999999,24.164000000000001,24.114999999999998,24.065000000000001,24.015000000000001,23.966000000000001,23.916,23.867000000000001,23.817,23.766999999999999,23.718]
[null,null,58,23.667999999999999,23.617999999999999,23.568000000000001,23.518000000000001,23.468,23.417000000000002,23.367000000000001,23.317,23.266999999999999,23.216999999999999,23.166,23.116]
[null,null,59,23.065999999999999,23.015000000000001,22.965,22.914000000000001,22.863,22.812999999999999,22.762,22.710999999999999,22.66,22.61,22.559000000000001,22.507999999999999]
[null,null,60,22.457999999999998,22.405999999999999,22.355,22.303999999999998,22.253,22.201000000000001,22.15,22.099,22.047999999999998,21.995999999999999,21.945,21.893999999999998]
[null,null,61,21.843,21.791,21.739000000000001,21.687000000000001,21.635999999999999,21.584,21.532,21.48,21.428999999999998,21.376999999999999,21.324999999999999,21.273]
[null,null,62,21.222000000000001,21.169,21.117000000000001,21.065000000000001,21.013000000000002,20.960999999999999,20.908000000000001,20.856000000000002,20.803999999999998,20.751999999999999,20.7,20.646999999999998]
[null,null,63,20.594999999999999,20.542000000000002,20.49,20.437000000000001,20.384,20.332000000000001,20.279,20.227,20.173999999999999,20.120999999999999,20.068999999999999,20.015999999999998]
[null,null,64,19.963000000000001,19.91,19.856999999999999,19.803999999999998,19.751000000000001,19.698,19.645,19.591999999999999,19.539000000000001,19.486000000000001,19.433,19.38]
[null,null,65,19.327000000000002,19.273,19.22,19.167000000000002,19.113,19.059999999999999,19.006,18.952999999999999,18.899000000000001,18.846,18.792999999999999,18.739000000000001]
[null,null,66,18.686]
[null,null,67]
[null,null,68]
[null,null,"Notes:"]
[null,null,"1)","See Guidance for application of factor"]
[null,null,"2)","Pension amounts should be mutilplied by factor above before any lump sum commutation option is exercised"]
[null,null,"3)","These factors should not be applied to any Additional Pension"]
[null,"Cost for a Member leaving on Complusory Early Retirement\nCosts for Early Payment of Lump Sum (Including MLS For Choice Optants)"]
[null,"Table - CER 3",null,"Lump Sum Factors"]
[null,null,null,"Period to NPA: Months"]
[null,null,null,0,1,2,3,4,5,6,7,8,9,10,11]
[null,"Years",0,0,1E-3,3.0000000000000001E-3,4.0000000000000001E-3,6.0000000000000001E-3,7.0000000000000001E-3,8.0000000000000002E-3,0.01,1.0999999999999999E-2,1.2999999999999999E-2,1.4E-2,1.4999999999999999E-2]
[null,null,1,1.7000000000000001E-2,1.7999999999999999E-2,1.9E-2,2.1000000000000001E-2,2.1999999999999999E-2,2.4E-2,2.5000000000000001E-2,2.5999999999999999E-2,2.8000000000000001E-2,2.9000000000000001E-2,0.03,3.2000000000000001E-2]
[null,null,2,3.3000000000000002E-2,3.4000000000000002E-2,3.5999999999999997E-2,3.6999999999999998E-2,3.9E-2,0.04,4.1000000000000002E-2,4.2999999999999997E-2,4.3999999999999997E-2,4.4999999999999998E-2,4.7E-2,4.8000000000000001E-2]
[null,null,3,4.9000000000000002E-2,5.0999999999999997E-2,5.1999999999999998E-2,5.2999999999999999E-2,5.5E-2,5.6000000000000001E-2,5.7000000000000002E-2,5.8999999999999997E-2,0.06,6.0999999999999999E-2,6.3E-2,6.4000000000000001E-2]
[null,null,4,6.5000000000000002E-2,6.7000000000000004E-2,6.8000000000000005E-2,6.9000000000000006E-2,7.0000000000000007E-2,7.1999999999999995E-2,7.2999999999999995E-2,7.3999999999999996E-2,7.5999999999999998E-2,7.6999999999999999E-2,7.8E-2,0.08]
[null,null,5,8.1000000000000003E-2,8.2000000000000003E-2,8.3000000000000004E-2,8.5000000000000006E-2,8.5999999999999993E-2,8.6999999999999994E-2,8.8999999999999996E-2,0.09,9.0999999999999998E-2,9.1999999999999998E-2,9.4E-2,9.5000000000000001E-2]
[null,null,6,9.6000000000000002E-2,9.7000000000000003E-2,9.9000000000000005E-2,0.1,0.10100000000000001,0.10199999999999999,0.104,0.105,0.106,0.108,0.109,0.11]
[null,null,7,0.111,0.113,0.114,0.115,0.11600000000000001,0.11700000000000001,0.11899999999999999,0.12,0.121,0.122,0.124,0.125]
[null,null,8,0.126,0.127,0.129,0.13,0.13100000000000001,0.13200000000000001,0.13300000000000001,0.13500000000000001,0.13600000000000001,0.13700000000000001,0.13800000000000001,0.14000000000000001]
[null,null,9,0.14099999999999999,0.14199999999999999,0.14299999999999999,0.14399999999999999,0.14599999999999999,0.14699999999999999,0.14799999999999999,0.14899999999999999,0.15,0.152,0.153,0.154]
[null,null,10,0.155]
[null,"Notes:"]
[null,"1)","See Guidance for application of factor"]
[null,"2)","Period of Retirement should be rounded up to the higher month"]
[null,"3)","Where Members have any deffered PI at their date of redundancy, these factors should be applied to benefits excluding any deffered PI. A saving or cost should be then calculated using CER 4 or CER5. The overall cost to the Employer allowing for the adjustment of deffered PI should be greater than or equal to £0"]

{"sheet":"VER Factors (pre 01-09-2023)","index":8,"n_rows":320,"n_cols":27,"rows_kept":320,"cut":false,"hidden":true,"merged":[[212,2,212,14],[277,2,277,14],[89,2,89,15],[90,2,90,15],[91,2,91,15],[92,2,92,15],[94,2,94,14],[153,2,153,14],[84,2,84,14],[24,3,24,14],[25,3,25,14],[40,1,40,14],[41,3,41,14],[42,3,42,14],[67,2,67,14],[81,2,81,14],[82,2,82,14],[83,2,83,14],[27,1,37,1],[44,1,59,1],[23,1,23,14],[1,1,1,14],[3,1,3,14],[4,3,4,14],[5,3,5,14],[7,1,17,1]]}
["Factors in these tables are applicable between 30th June 2023 until 31st August 2023"]
[null,"NHS Pension Scheme (E&W): Early Retirement Factors"]
[]
[null,"Benefits Payable to the Member on ARER\n1995 Scheme (NPA 60)"]
[null,"Table - ERF 1",null,"Pension Factors"]
[null,null,null,"Age: Complete Months"]
[null,null,null,0,1,2,3,4,5,6,7,8,9,10,11]
[null,"Complete Years",50,0.68200000000000005,0.68400000000000005,0.68600000000000005,0.68799999999999994,0.68899999999999995,0.69099999999999995,0.69299999999999995,0.69499999999999995,0.69699999999999995,0.69899999999999995,0.7,0.70199999999999996]
[null,null,51,0.70399999999999996,0.70599999999999996,0.70799999999999996,0.71,0.71199999999999997,0.71399999999999997,0.71599999999999997,0.71799999999999997,0.72,0.72199999999999998,0.72399999999999998,0.72599999999999998]
[null,null,52,0.72799999999999998,0.73,0.73199999999999998,0.73499999999999999,0.73699999999999999,0.73899999999999999,0.74099999999999999,0.74299999999999999,0.745,0.748,0.75,0.752]
[null,null,53,0.754,0.75600000000000001,0.75900000000000001,0.76100000000000001,0.76300000000000001,0.76600000000000001,0.76800000000000002,0.77,0.77300000000000002,0.77500000000000002,0.77700000000000002,0.78]
[null,null,54,0.78200000000000003,0.78500000000000003,0.78700000000000003,0.79,0.79200000000000004,0.79500000000000004,0.79700000000000004,0.8,0.80200000000000005,0.80500000000000005,0.80700000000000005,0.81]
[null,null,55,0.81200000000000006,0.81499999999999995,0.81799999999999995,0.82,0.82299999999999995,0.82599999999999996,0.82899999999999996,0.83099999999999996,0.83399999999999996,0.83699999999999997,0.84,0.84199999999999997]
[null,null,56,0.84499999999999997,0.84799999999999998,0.85099999999999998,0.85399999999999998,0.85699999999999998,0.86,0.86299999999999999,0.86499999999999999,0.86799999999999999,0.871,0.874,0.877]
[null,null,57,0.88,0.88300000000000001,0.88600000000000001,0.88900000000000001,0.89200000000000002,0.89500000000000002,0.89900000000000002,0.90200000000000002,0.90500000000000003,0.90800000000000003,0.91100000000000003,0.91400000000000003]
[null,null,58,0.91700000000000004,0.92,0.92400000000000004,0.92700000000000005,0.93,0.93400000000000005,0.93700000000000006,0.94,0.94399999999999995,0.94699999999999995,0.95,0.95399999999999996]
[null,null,59,0.95699999999999996,0.96099999999999997,0.96399999999999997,0.96799999999999997,0.97099999999999997,0.97499999999999998,0.97899999999999998,0.98199999999999998,0.98599999999999999,0.98899999999999999,0.99299999999999999,0.996]
[null,null,60,1]
[]
[]
[]
[]
[]
[null,"Benefits Payable to the Member on ARER\n1995 Scheme (NPA 60)"]
[null,"Table - ERF 7",null,"Lump Sum Factors"]
[null,null,null,"Age: Complete Months"]
[null,null,null,0,1,2,3,4,5,6,7,8,9,10,11]
[null,"Years",50,0.84499999999999997,0.84599999999999997,0.84699999999999998,0.84899999999999998,0.85,0.85099999999999998,0.85199999999999998,0.85299999999999998,0.85399999999999998,0.85599999999999998,0.85699999999999998,0.85799999999999998]
[null,null,51,0.85899999999999999,0.86,0.86199999999999999,0.86299999999999999,0.86399999999999999,0.86499999999999999,0.86699999999999999,0.86799999999999999,0.86899999999999999,0.87,0.872,0.873]
[null,null,52,0.874,0.875,0.877,0.878,0.879,0.88,0.88200000000000001,0.88300000000000001,0.88400000000000001,0.88500000000000001,0.88700000000000001,0.88800000000000001]
[null,null,53,0.88900000000000001,0.89,0.89200000000000002,0.89300000000000002,0.89400000000000002,0.89500000000000002,0.89700000000000002,0.89800000000000002,0.89900000000000002,0.9,0.90200000000000002,0.90300000000000002]
[null,null,54,0.90400000000000003,0.90500000000000003,0.90700000000000003,0.90800000000000003,0.90900000000000003,0.91,0.91200000000000003,0.91300000000000003,0.91400000000000003,0.91500000000000004,0.91700000000000004,0.91800000000000004]
[null,null,55,0.91900000000000004,0.92,0.92200000000000004,0.92300000000000004,0.92400000000000004,0.92600000000000005,0.92700000000000005,0.92800000000000005,0.93,0.93100000000000005,0.93200000000000005,0.93400000000000005]
[null,null,56,0.93500000000000005,0.93600000000000005,0.93799999999999994,0.93899999999999995,0.94,0.94199999999999995,0.94299999999999995,0.94399999999999995,0.94599999999999995,0.94699999999999995,0.94799999999999995,0.95]
[null,null,57,0.95099999999999996,0.95199999999999996,0.95399999999999996,0.95499999999999996,0.95599999999999996,0.95799999999999996,0.95899999999999996,0.96,0.96199999999999997,0.96299999999999997,0.96399999999999997,0.96599999999999997]
[null,null,58,0.96699999999999997,0.96799999999999997,0.97,0.97099999999999997,0.97199999999999998,0.97399999999999998,0.97499999999999998,0.97599999999999998,0.97799999999999998,0.97899999999999998,0.98,0.98199999999999998]
[null,null,59,0.98299999999999998,0.98399999999999999,0.98599999999999999,0.98699999999999999,0.98899999999999999,0.99,0.99199999999999999,0.99299999999999999,0.99399999999999999,0.996,0.997,0.999]
[null,null,60,1]
[]
[]
[null,"Benefits Payable to the Member on ARER\n2008 Scheme (NPA 65)"]
[null,"Table - ERF 2",null,"Lump Sum Factors"]
[null,null,null,"Age: Complete Months"]
[null,null,null,0,1,2,3,4,5,6,7,8,9,10,11]
[null,"Years",50,0.54100000000000004,0.54300000000000004,0.54400000000000004,0.54600000000000004,0.54700000000000004,0.54900000000000004,0.55000000000000004,0.55200000000000005,0.55300000000000005,0.55500000000000005,0.55600000000000005,0.55800000000000005]
[null,null,51,0.55900000000000005,0.56100000000000005,0.56200000000000006,0.56399999999999995,0.56499999999999995,0.56699999999999995,0.56799999999999995,0.56999999999999995,0.57099999999999995,0.57299999999999995,0.57399999999999995,0.57599999999999996]
[null,null,52,0.57699999999999996,0.57899999999999996,0.58099999999999996,0.58199999999999996,0.58399999999999996,0.58599999999999997,0.58799999999999997,0.58899999999999997,0.59099999999999997,0.59299999999999997,0.59499999999999997,0.59599999999999997]
[null,null,53,0.59799999999999998,0.6,0.60199999999999998,0.60399999999999998,0.60499999999999998,0.60699999999999998,0.60899999999999999,0.61099999999999999,0.61299999999999999,0.61499999999999999,0.61599999999999999,0.61799999999999999]
[null,null,54,0.62,0.622,0.624,0.626,0.628,0.63,0.63200000000000001,0.63300000000000001,0.63500000000000001,0.63700000000000001,0.63900000000000001,0.64100000000000001]
[null,null,55,0.64300000000000002,0.64500000000000002,0.64700000000000002,0.65,0.65200000000000002,0.65400000000000003,0.65600000000000003,0.65800000000000003,0.66,0.66300000000000003,0.66500000000000004,0.66700000000000004]
[null,null,56,0.66900000000000004,0.67100000000000004,0.67400000000000004,0.67600000000000005,0.67800000000000005,0.68,0.68300000000000005,0.68500000000000005,0.68700000000000006,0.68899999999999995,0.69199999999999995,0.69399999999999995]
[null,null,57,0.69599999999999995,0.69899999999999995,0.70099999999999996,0.70399999999999996,0.70599999999999996,0.70899999999999996,0.71099999999999997,0.71399999999999997,0.71599999999999997,0.71899999999999997,0.72099999999999997,0.72399999999999998]
[null,null,58,0.72599999999999998,0.72899999999999998,0.73099999999999998,0.73399999999999999,0.73599999999999999,0.73899999999999999,0.74199999999999999,0.74399999999999999,0.747,0.749,0.752,0.754]
[null,null,59,0.75700000000000001,0.76,0.76300000000000001,0.76500000000000001,0.76800000000000002,0.77100000000000002,0.77400000000000002,0.77600000000000002,0.77900000000000003,0.78200000000000003,0.78500000000000003,0.78700000000000003]
[null,null,60,0.79,0.79300000000000004,0.79600000000000004,0.79900000000000004,0.80200000000000005,0.80500000000000005,0.80900000000000005,0.81200000000000006,0.81499999999999995,0.81799999999999995,0.82099999999999995,0.82399999999999995]
[null,null,61,0.82699999999999996,0.83,0.83299999999999996,0.83699999999999997,0.84,0.84299999999999997,0.84599999999999997,0.84899999999999998,0.85199999999999998,0.85599999999999998,0.85899999999999999,0.86199999999999999]
[null,null,62,0.86499999999999999,0.86899999999999999,0.872,0.876,0.879,0.88300000000000001,0.88700000000000001,0.89,0.89400000000000002,0.89700000000000002,0.90100000000000002,0.90400000000000003]
[null,null,63,0.90800000000000003,0.91200000000000003,0.91600000000000004,0.91900000000000004,0.92300000000000004,0.92700000000000005,0.93100000000000005,0.93400000000000005,0.93799999999999994,0.94199999999999995,0.94599999999999995,0.94899999999999995]
[null,null,64,0.95299999999999996,0.95699999999999996,0.96099999999999997,0.96499999999999997,0.96899999999999997,0.97299999999999998,0.97699999999999998,0.98,0.98399999999999999,0.98799999999999999,0.99199999999999999,0.996]
[null,null,65,1]
[]
[]
[null,null,"TABLE ERF11"]
[null,null,"NHS PENSION SCHEME (E&W): ACTUARIAL FACTORS"]
[null,null,"BENEFITS PAYABLE TO THE MEMBER ON VOLUNTARY EARLY RETIREMENT (WITH ACTUARIAL REDUCTION)"]
[null,null,"MEMBERS OF 2008 SECTION WITH A MANDATORY LUMP SUM (RELATIVE TO PENSION AGE OF 65)"]
[]
[null,null,"ADJUSTMENT FACTORS"]
[null,null,"Age: complete  years \\ months:",0,1,2,3,4,5,6,7,8,9,10,11]
[null,null,55,2.1999999999999999E-2,2.1999999999999999E-2,2.1999999999999999E-2,2.1999999999999999E-2,2.1000000000000001E-2,2.1000000000000001E-2,2.1000000000000001E-2,2.1000000000000001E-2,2.1000000000000001E-2,2.1000000000000001E-2,0.02,0.02]
[null,null,56,0.02,0.02,0.02,0.02,0.02,0.02,0.02,1.9E-2,1.9E-2,1.9E-2,1.9E-2,1.9E-2]
[null,null,57,1.9E-2,1.9E-2,1.9E-2,1.9E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7000000000000001E-2,1.7000000000000001E-2]
[null,null,58,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.6E-2,1.6E-2,1.6E-2,1.6E-2,1.6E-2]
[null,null,59,1.6E-2,1.6E-2,1.6E-2,1.6E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4E-2,1.4E-2]
[null,null,60,1.4E-2,1.4E-2,1.4E-2,1.4E-2,1.2999999999999999E-2,1.2999999999999999E-2,1.2999999999999999E-2,1.2999999999999999E-2,1.2999999999999999E-2,1.2999999999999999E-2,1.2E-2,1.2E-2]
[null,null,61,1.2E-2,1.2E-2,1.2E-2,1.0999999999999999E-2,1.0999999999999999E-2,1.0999999999999999E-2,1.0999999999999999E-2,0.01,0.01,0.01,0.01,8.9999999999999993E-3]
[null,null,62,8.9999999999999993E-3,8.9999999999999993E-3,8.9999999999999993E-3,8.0000000000000002E-3,8.0000000000000002E-3,8.0000000000000002E-3,8.0000000000000002E-3,7.0000000000000001E-3,7.0000000000000001E-3,7.0000000000000001E-3,7.0000000000000001E-3,6.0000000000000001E-3]
[null,null,63,6.0000000000000001E-3,6.0000000000000001E-3,6.0000000000000001E-3,5.0000000000000001E-3,5.0000000000000001E-3,5.0000000000000001E-3,5.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,3.0000000000000001E-3]
[null,null,64,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,2E-3,2E-3,2E-3,2E-3,1E-3,1E-3,1E-3,1E-3,0]
[null,null,65,0]
[]
[null,null,"(1) these factors should be used to calculate members reduced early retirement pension before commutation for mandatory (and any further optional) lump sum "]
[null,null,"(2) the relevant factor in table ERF11 should be multiplied by the member’s mandatory lump sum which has already been reduced for early payment using factors in ERF7"]
[null,null,"(3) the relevant early retirement factor from table ERF2 should be multiplied by the member’s accrued pension (before commutation for mandatory (and any further optional) lump sum)"]
[null,null,"(4) reduced pension is obtained by adding the amounts calculated in note 2 and note 3 together"]
[]
[]
[]
[]
[null,null,"TABLE ERF1 "]
[null,null,"NHS PENSION SCHEME 2015 (E&W): ACTUARIAL FACTORS"]
[null,null,"BENEFITS PAYABLE TO THE MEMBER ON VOLUNTARY EARLY RETIREMENT (WITH ACTUARIAL REDUCTION)"]
[null,null,"FACTORS APPLICABLE TO MAIN SCHEME PENSION AND ADDITIONAL PENSION"]
[null,null,"Time to NPA: Months",0,1,2,3,4,5,6,7,8,9,10,11]
[null,null,"PENSION FACTORS"]
[null,null,"Years"]
[null,null,0,1,0.996,0.99099999999999999,0.98699999999999999,0.98299999999999998,0.97799999999999998,0.97399999999999998,0.96899999999999997,0.96499999999999997,0.96099999999999997,0.95599999999999996,0.95199999999999996]
[null,null,1,0.94799999999999995,0.94399999999999995,0.93899999999999995,0.93500000000000005,0.93100000000000005,0.92700000000000005,0.92300000000000004,0.91900000000000004,0.91500000000000004,0.91100000000000003,0.90700000000000003,0.90300000000000002]
[null,null,2,0.89900000000000002,0.89600000000000002,0.89200000000000002,0.88800000000000001,0.88500000000000001,0.88100000000000001,0.877,0.874,0.87,0.86599999999999999,0.86299999999999999,0.85899999999999999]
[null,null,3,0.85499999999999998,0.85199999999999998,0.84899999999999998,0.84499999999999997,0.84199999999999997,0.83899999999999997,0.83499999999999996,0.83199999999999996,0.82799999999999996,0.82499999999999996,0.82199999999999995,0.81799999999999995]
[null,null,4,0.81499999999999995,0.81200000000000006,0.80900000000000005,0.80600000000000005,0.80200000000000005,0.79900000000000004,0.79600000000000004,0.79300000000000004,0.79,0.78700000000000003,0.78400000000000003,0.78100000000000003]
[null,null,5,0.77700000000000002,0.77500000000000002,0.77200000000000002,0.76900000000000002,0.76600000000000001,0.76300000000000001,0.76,0.75700000000000001,0.754,0.752,0.749,0.746]
[null,null,6,0.74299999999999999,0.74,0.73799999999999999,0.73499999999999999,0.73199999999999998,0.73,0.72699999999999998,0.72399999999999998,0.72099999999999997,0.71899999999999997,0.71599999999999997,0.71299999999999997]
[null,null,7,0.71099999999999997,0.70799999999999996,0.70599999999999996,0.70299999999999996,0.70099999999999996,0.69799999999999995,0.69599999999999995,0.69299999999999995,0.69099999999999995,0.68799999999999994,0.68600000000000005,0.68300000000000005]
[null,null,8,0.68100000000000005,0.67900000000000005,0.67600000000000005,0.67400000000000004,0.67200000000000004,0.66900000000000004,0.66700000000000004,0.66500000000000004,0.66200000000000003,0.66,0.65800000000000003,0.65500000000000003]
[null,null,9,0.65300000000000002,0.65100000000000002,0.64900000000000002,0.64700000000000002,0.64400000000000002,0.64200000000000002,0.64,0.63800000000000001,0.63600000000000001,0.63400000000000001,0.63100000000000001,0.629]
[null,null,10,0.627,0.625,0.623,0.621,0.61899999999999999,0.61699999999999999,0.61499999999999999,0.61299999999999999,0.61099999999999999,0.60899999999999999,0.60699999999999998,0.60499999999999998]
[null,null,11,0.60299999999999998,0.60099999999999998,0.59899999999999998,0.59699999999999998,0.59499999999999997,0.59299999999999997,0.59099999999999997,0.59,0.58799999999999997,0.58599999999999997,0.58399999999999996,0.58199999999999996]
[null,null,12,0.57999999999999996,0.57799999999999996,0.57699999999999996,0.57499999999999996,0.57299999999999995,0.57099999999999995,0.56899999999999995,0.56799999999999995,0.56599999999999995,0.56399999999999995,0.56200000000000006,0.56100000000000005]
[null,null,13,0.55900000000000005]
[null,null,"  Notes: ","(1) NPA should be substituted for RRA where appropriate"]
[null,null,"             ","(2) AP should be pro-rated to take account of unpaid contributions at date of retirement. Any paid up AP entitlement should include PI to DOR"]
[null,null,null,"(3) The appropriate factor is based on the period between DOR and NPA (or RRA) in years and months, rounded up to the next higher month.  "]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Table AB2",null,"NHS Pension Scheme (E&W): Actuarial Factors"]
[null,null,null,null,"Factors for use in abatement cases Members of 2008 Section (relative to pension age of 65)"]
[]
[null,null,"PENSION FACTORS"]
[null,null,"Age: complete  years \\ months:",0,1,2,3,4,5,6,7,8,9,10,11]
[null,null,20,0.20200000000000001,0.20200000000000001,0.20300000000000001,0.20300000000000001,0.20399999999999999,0.20399999999999999,0.20499999999999999,0.20499999999999999,0.20599999999999999,0.20599999999999999,0.20699999999999999,0.20699999999999999]
[null,null,21,0.20799999999999999,0.20799999999999999,0.20799999999999999,0.20899999999999999,0.20899999999999999,0.21,0.21,0.21099999999999999,0.21099999999999999,0.21199999999999999,0.21199999999999999,0.21299999999999999]
[null,null,22,0.21299999999999999,0.214,0.214,0.215,0.215,0.216,0.216,0.217,0.217,0.218,0.218,0.219]
[null,null,23,0.219,0.22,0.22,0.221,0.221,0.222,0.222,0.223,0.223,0.224,0.224,0.22500000000000001]
[null,null,24,0.22500000000000001,0.22600000000000001,0.22600000000000001,0.22700000000000001,0.22700000000000001,0.22800000000000001,0.22800000000000001,0.22900000000000001,0.23,0.23,0.23100000000000001,0.23100000000000001]
[null,null,25,0.23200000000000001,0.23200000000000001,0.23300000000000001,0.23300000000000001,0.23400000000000001,0.23400000000000001,0.23499999999999999,0.23599999999999999,0.23599999999999999,0.23699999999999999,0.23699999999999999,0.23799999999999999]
[null,null,26,0.23799999999999999,0.23899999999999999,0.23899999999999999,0.24,0.24099999999999999,0.24099999999999999,0.24199999999999999,0.24199999999999999,0.24299999999999999,0.24299999999999999,0.24399999999999999,0.245]
[null,null,27,0.245,0.246,0.246,0.247,0.247,0.248,0.249,0.249,0.25,0.25,0.251,0.252]
[null,null,28,0.252,0.253,0.253,0.254,0.255,0.255,0.25600000000000001,0.25600000000000001,0.25700000000000001,0.25800000000000001,0.25800000000000001,0.25900000000000001]
[null,null,29,0.26,0.26,0.26100000000000001,0.26100000000000001,0.26200000000000001,0.26300000000000001,0.26300000000000001,0.26400000000000001,0.26500000000000001,0.26500000000000001,0.26600000000000001,0.26700000000000002]
[null,null,30,0.26700000000000002,0.26800000000000002,0.26900000000000002,0.26900000000000002,0.27,0.27,0.27100000000000002,0.27200000000000002,0.27200000000000002,0.27300000000000002,0.27400000000000002,0.27400000000000002]
[null,null,31,0.27500000000000002,0.27600000000000002,0.27700000000000002,0.27700000000000002,0.27800000000000002,0.27900000000000003,0.27900000000000003,0.28000000000000003,0.28100000000000003,0.28100000000000003,0.28199999999999997,0.28299999999999997]
[null,null,32,0.28299999999999997,0.28399999999999997,0.28499999999999998,0.28599999999999998,0.28599999999999998,0.28699999999999998,0.28799999999999998,0.28799999999999998,0.28899999999999998,0.28999999999999998,0.29099999999999998,0.29099999999999998]
[null,null,33,0.29199999999999998,0.29299999999999998,0.29299999999999998,0.29399999999999998,0.29499999999999998,0.29599999999999999,0.29599999999999999,0.29699999999999999,0.29799999999999999,0.29899999999999999,0.29899999999999999,0.3]
[null,null,34,0.30099999999999999,0.30199999999999999,0.30199999999999999,0.30299999999999999,0.30399999999999999,0.30499999999999999,0.30599999999999999,0.30599999999999999,0.307,0.308,0.309,0.309]
[null,null,35,0.31,0.311,0.312,0.313,0.313,0.314,0.315,0.316,0.317,0.317,0.318,0.31900000000000001]
[null,null,36,0.32,0.32100000000000001,0.32200000000000001,0.32200000000000001,0.32300000000000001,0.32400000000000001,0.32500000000000001,0.32600000000000001,0.32700000000000001,0.32800000000000001,0.32800000000000001,0.32900000000000001]
[null,null,37,0.33,0.33100000000000002,0.33200000000000002,0.33300000000000002,0.33400000000000002,0.33400000000000002,0.33500000000000002,0.33600000000000002,0.33700000000000002,0.33800000000000002,0.33900000000000002,0.34]
[null,null,38,0.34100000000000003,0.34200000000000003,0.34200000000000003,0.34300000000000003,0.34399999999999997,0.34499999999999997,0.34599999999999997,0.34699999999999998,0.34799999999999998,0.34899999999999998,0.35,0.35099999999999998]
[null,null,39,0.35199999999999998,0.35299999999999998,0.35399999999999998,0.35499999999999998,0.35499999999999998,0.35599999999999998,0.35699999999999998,0.35799999999999998,0.35899999999999999,0.36,0.36099999999999999,0.36199999999999999]
[null,null,40,0.36299999999999999,0.36399999999999999,0.36499999999999999,0.36599999999999999,0.36699999999999999,0.36799999999999999,0.36899999999999999,0.37,0.371,0.372,0.373,0.374]
[null,null,41,0.375,0.376,0.377,0.378,0.379,0.38,0.38200000000000001,0.38300000000000001,0.38400000000000001,0.38500000000000001,0.38600000000000001,0.38700000000000001]
[null,null,42,0.38800000000000001,0.38900000000000001,0.39,0.39100000000000001,0.39200000000000002,0.39300000000000002,0.39400000000000002,0.39600000000000002,0.39700000000000002,0.39800000000000002,0.39900000000000002,0.4]
[null,null,43,0.40100000000000002,0.40200000000000002,0.40300000000000002,0.40500000000000003,0.40600000000000003,0.40699999999999997,0.40799999999999997,0.40899999999999997,0.41,0.41099999999999998,0.41299999999999998,0.41399999999999998]
[null,null,44,0.41499999999999998,0.41599999999999998,0.41699999999999998,0.41899999999999998,0.42,0.42099999999999999,0.42199999999999999,0.42299999999999999,0.42499999999999999,0.42599999999999999,0.42699999999999999,0.42799999999999999]
[null,null,45,0.43,0.43099999999999999,0.432,0.433,0.435,0.436,0.437,0.438,0.44,0.441,0.442,0.44400000000000001]
[null,null,46,0.44500000000000001,0.44600000000000001,0.44800000000000001,0.44900000000000001,0.45,0.45200000000000001,0.45300000000000001,0.45400000000000001,0.45600000000000002,0.45700000000000002,0.45800000000000002,0.46]
[null,null,47,0.46100000000000002,0.46200000000000002,0.46400000000000002,0.46500000000000002,0.46700000000000003,0.46800000000000003,0.46899999999999997,0.47099999999999997,0.47199999999999998,0.47399999999999998,0.47499999999999998,0.47699999999999998]
[null,null,48,0.47799999999999998,0.47899999999999998,0.48099999999999998,0.48199999999999998,0.48399999999999999,0.48499999999999999,0.48699999999999999,0.48799999999999999,0.49,0.49099999999999999,0.49299999999999999,0.49399999999999999]
[null,null,49,0.496,0.497,0.499,0.501,0.502,0.504,0.505,0.50700000000000001,0.50800000000000001,0.51,0.51200000000000001,0.51300000000000001]
[null,null,50,0.51500000000000001,0.51600000000000001,0.51800000000000002,0.52,0.52100000000000002,0.52300000000000002,0.52500000000000002,0.52600000000000002,0.52800000000000002,0.53,0.53100000000000003,0.53300000000000003]
[null,null,51,0.53500000000000003,0.53600000000000003,0.53800000000000003,0.54,0.54200000000000004,0.54300000000000004,0.54500000000000004,0.54700000000000004,0.54900000000000004,0.55000000000000004,0.55200000000000005,0.55400000000000005]
[null,null,52,0.55600000000000005,0.55800000000000005,0.56000000000000005,0.56100000000000005,0.56299999999999994,0.56499999999999995,0.56699999999999995,0.56899999999999995,0.57099999999999995,0.57299999999999995,0.57399999999999995,0.57599999999999996]
[null,null,53,0.57799999999999996,0.57999999999999996,0.58199999999999996,0.58399999999999996,0.58599999999999997,0.58799999999999997,0.59,0.59199999999999997,0.59399999999999997,0.59599999999999997,0.59799999999999998,0.6]
[null,null,54,0.60199999999999998,0.60399999999999998,0.60599999999999998,0.60799999999999998,0.61,0.61199999999999999,0.61399999999999999,0.61699999999999999,0.61899999999999999,0.621,0.623,0.625]
[null,null,55,0.627,0.629,0.63200000000000001,0.63400000000000001,0.63600000000000001,0.63800000000000001,0.64100000000000001,0.64300000000000002,0.64500000000000002,0.64700000000000002,0.64900000000000002,0.65200000000000002]
[null,null,56,0.65400000000000003,0.65600000000000003,0.65900000000000003,0.66100000000000003,0.66400000000000003,0.66600000000000004,0.66800000000000004,0.67100000000000004,0.67300000000000004,0.67500000000000004,0.67800000000000005,0.68]
[null,null,57,0.68300000000000005,0.68500000000000005,0.68799999999999994,0.69,0.69299999999999995,0.69499999999999995,0.69799999999999995,0.7,0.70299999999999996,0.70599999999999996,0.70799999999999996,0.71099999999999997]
[null,null,58,0.71299999999999997,0.71599999999999997,0.71899999999999997,0.72099999999999997,0.72399999999999998,0.72699999999999998,0.73,0.73199999999999998,0.73499999999999999,0.73799999999999999,0.74,0.74299999999999999]
[null,null,59,0.746,0.749,0.752,0.755,0.75800000000000001,0.76100000000000001,0.76400000000000001,0.76600000000000001,0.76900000000000002,0.77200000000000002,0.77500000000000002,0.77800000000000002]
[null,null,60,0.78100000000000003,0.78400000000000003,0.78700000000000003,0.79100000000000004,0.79400000000000004,0.79700000000000004,0.8,0.80300000000000005,0.80600000000000005,0.80900000000000005,0.81200000000000006,0.81599999999999995]
[null,null,61,0.81899999999999995,0.82199999999999995,0.82599999999999996,0.82899999999999996,0.83199999999999996,0.83599999999999997,0.83899999999999997,0.84199999999999997,0.84599999999999997,0.84899999999999998,0.85299999999999998,0.85599999999999998]
[null,null,62,0.86,0.86299999999999999,0.86699999999999999,0.87,0.874,0.878,0.88100000000000001,0.88500000000000001,0.88900000000000001,0.89200000000000002,0.89600000000000002,0.9]
[null,null,63,0.90300000000000002,0.90700000000000003,0.91100000000000003,0.91500000000000004,0.91900000000000004,0.92300000000000004,0.92700000000000005,0.93100000000000005,0.93500000000000005,0.93899999999999995,0.94299999999999995,0.94699999999999995]
[null,null,64,0.95099999999999996,0.95499999999999996,0.95899999999999996,0.96399999999999997,0.96799999999999997,0.97199999999999998,0.97599999999999998,0.98099999999999998,0.98499999999999999,0.98899999999999999,0.99399999999999999,0.998]
[null,null,65,1]
[null,1,"These factors are to be used to determine theearned portion of a pension foe abatement puposes."]
[null,2,"Factors should be applied to unreduced pension as the member's retirement date before any allowance for commutation (unless due to allocation)"]
[null,3,"Applicable for 2008 section Main Schem Pension, 1995 Section NPA 65 Added Years' pension and 1995 and 2008 section NPA65 Additional Pension ( contracts exercised from 1 April 2011 onwards)"]
[null,4,"Retirement from active or presered status in ill health (immediate pension increases)"]
[]
[]
[]
[]
[null,null,"Table AB6",null,"NHS Pension Scheme (E&W): Actuarial Factors"]
[null,null,null,null,"Factors for use in abatement cases Members of 2008 Section with Mandatory Lump Sum (relative to pension age of 65)"]
[]
[null,null,"PENSION FACTORS"]
[null,null,"Age: complete  years \\ months:",0,1,2,3,4,5,6,7,8,9,10,11]
[null,null,16,1.6299999999999999E-2,1.6299999999999999E-2,1.6299999999999999E-2,1.6400000000000001E-2,1.6400000000000001E-2,1.6400000000000001E-2,1.6500000000000001E-2,1.6500000000000001E-2,1.6500000000000001E-2,1.66E-2,1.66E-2,1.67E-2,null,129,129,129,130,130,130,131,131,132,132,132]
[null,null,17,1.67E-2,1.67E-2,1.6799999999999999E-2,1.6799999999999999E-2,1.6799999999999999E-2,1.6899999999999998E-2,1.6899999999999998E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7100000000000001E-2,1.7100000000000001E-2,null,133,133,134,134,135,135,135,136,136,136,137]
[null,null,18,1.7100000000000001E-2,1.72E-2,1.72E-2,1.7299999999999999E-2,1.7299999999999999E-2,1.7299999999999999E-2,1.7399999999999999E-2,1.7399999999999999E-2,1.7500000000000002E-2,1.7500000000000002E-2,1.7500000000000002E-2,1.7600000000000001E-2,null,138,138,138,139,139,140,140,140,141,141,142]
[null,null,19,1.7600000000000001E-2,1.77E-2,1.77E-2,1.77E-2,1.78E-2,1.78E-2,1.7899999999999999E-2,1.7899999999999999E-2,1.7899999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.8100000000000002E-2,null,142,143,143,144,144,144,145,145,146,146,146]
[null,null,20,1.8100000000000002E-2,1.8100000000000002E-2,1.8200000000000001E-2,1.8200000000000001E-2,1.83E-2,1.83E-2,1.83E-2,1.84E-2,1.84E-2,1.8499999999999999E-2,1.8499999999999999E-2,1.8499999999999999E-2,null,147,148,148,149,149,149,150,150,151,151,151]
[null,null,21,1.8599999999999998E-2,1.8599999999999998E-2,1.8700000000000001E-2,1.8700000000000001E-2,1.8800000000000001E-2,1.8800000000000001E-2,1.8800000000000001E-2,1.89E-2,1.89E-2,1.9E-2,1.9E-2,1.9099999999999999E-2,null,152,153,153,154,154,155,155,155,156,156,157]
[null,null,22,1.9099999999999999E-2,1.9199999999999998E-2,1.9199999999999998E-2,1.9199999999999998E-2,1.9300000000000001E-2,1.9300000000000001E-2,1.9400000000000001E-2,1.9400000000000001E-2,1.95E-2,1.95E-2,1.9599999999999999E-2,1.9599999999999999E-2,null,158,158,159,159,160,160,160,161,161,162,162]
[null,null,23,1.9599999999999999E-2,1.9699999999999999E-2,1.9699999999999999E-2,1.9800000000000002E-2,1.9800000000000002E-2,1.9900000000000001E-2,1.9900000000000001E-2,0.02,0.02,2.01E-2,2.01E-2,2.0199999999999999E-2,null,163,164,164,165,165,166,166,167,167,168,168]
[null,null,24,2.0199999999999999E-2,2.0199999999999999E-2,2.0299999999999999E-2,2.0299999999999999E-2,2.0400000000000001E-2,2.0400000000000001E-2,2.0500000000000001E-2,2.0500000000000001E-2,2.06E-2,2.06E-2,2.07E-2,2.07E-2,null,169,169,170,170,171,171,172,172,173,173,174]
[null,null,25,2.0799999999999999E-2,2.0799999999999999E-2,2.0899999999999998E-2,2.0899999999999998E-2,2.1000000000000001E-2,2.1000000000000001E-2,2.1100000000000001E-2,2.1100000000000001E-2,2.12E-2,2.12E-2,2.1299999999999999E-2,2.1299999999999999E-2,null,175,175,176,177,177,178,178,179,179,180,180]
[null,null,26,2.1399999999999999E-2,2.1399999999999999E-2,2.1499999999999998E-2,2.1499999999999998E-2,2.1600000000000001E-2,2.1600000000000001E-2,2.1700000000000001E-2,2.1700000000000001E-2,2.18E-2,2.18E-2,2.1899999999999999E-2,2.1899999999999999E-2,null,181,182,182,183,183,184,184,185,186,186,187]
[null,null,27,2.1999999999999999E-2,2.1999999999999999E-2,2.2100000000000002E-2,2.2100000000000002E-2,2.2200000000000001E-2,2.2200000000000001E-2,2.23E-2,2.24E-2,2.24E-2,2.2499999999999999E-2,2.2499999999999999E-2,2.2599999999999999E-2,null,188,188,189,189,190,191,191,192,192,193,193]
[null,null,28,2.2599999999999999E-2,2.2700000000000001E-2,2.2700000000000001E-2,2.2800000000000001E-2,2.2800000000000001E-2,2.29E-2,2.3E-2,2.3E-2,2.3099999999999999E-2,2.3099999999999999E-2,2.3199999999999998E-2,2.3199999999999998E-2,null,194,195,196,196,197,197,198,199,199,200,200]
[null,null,29,2.3300000000000001E-2,2.3300000000000001E-2,2.3400000000000001E-2,2.35E-2,2.35E-2,2.3599999999999999E-2,2.3599999999999999E-2,2.3699999999999999E-2,2.3699999999999999E-2,2.3800000000000002E-2,2.3900000000000001E-2,2.3900000000000001E-2,null,202,202,203,203,204,205,205,206,206,207,208]
[null,null,30,2.4E-2,2.4E-2,2.41E-2,2.4199999999999999E-2,2.4199999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4400000000000002E-2,2.4500000000000001E-2,2.4500000000000001E-2,2.46E-2,2.46E-2,null,209,210,210,211,211,212,213,213,214,215,215]
[null,null,31,2.47E-2,2.4799999999999999E-2,2.4799999999999999E-2,2.4899999999999999E-2,2.4899999999999999E-2,2.5000000000000001E-2,2.5100000000000001E-2,2.5100000000000001E-2,2.52E-2,2.53E-2,2.53E-2,2.5399999999999999E-2,null,217,217,218,219,219,220,221,221,222,223,223]
[null,null,32,2.5399999999999999E-2,2.5499999999999998E-2,2.5600000000000001E-2,2.5600000000000001E-2,2.5700000000000001E-2,2.58E-2,2.58E-2,2.5899999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.6100000000000002E-2,2.6200000000000001E-2,null,225,225,226,227,227,228,229,229,230,231,231]
[null,null,33,2.6200000000000001E-2,2.63E-2,2.64E-2,2.64E-2,2.6499999999999999E-2,2.6599999999999999E-2,2.6599999999999999E-2,2.6700000000000002E-2,2.6800000000000001E-2,2.6800000000000001E-2,2.69E-2,2.7E-2,null,233,234,234,235,236,237,237,230,239,239,240]
[null,null,34,2.7E-2,2.7099999999999999E-2,2.7199999999999998E-2,2.7199999999999998E-2,2.7300000000000001E-2,2.7400000000000001E-2,2.7400000000000001E-2,2.75E-2,2.76E-2,2.7699999999999999E-2,2.7699999999999999E-2,2.7799999999999998E-2,null,242,242,243,244,245,245,246,247,248,248,249]
[null,null,35,2.7900000000000001E-2,2.7900000000000001E-2,2.8000000000000001E-2,2.81E-2,2.8199999999999999E-2,2.8199999999999999E-2,2.8299999999999999E-2,2.8400000000000002E-2,2.8400000000000002E-2,2.8500000000000001E-2,2.86E-2,2.87E-2,null,251,252,252,253,254,255,255,256,257,258,259]
[null,null,36,2.87E-2,2.8799999999999999E-2,2.8899999999999999E-2,2.9000000000000001E-2,2.9000000000000001E-2,2.9100000000000001E-2,2.92E-2,2.93E-2,2.9399999999999999E-2,2.9399999999999999E-2,2.9499999999999998E-2,2.9600000000000001E-2,null,260,261,262,263,264,264,265,266,267,268,269]
[null,null,37,2.9700000000000001E-2,2.9700000000000001E-2,2.98E-2,2.9899999999999999E-2,0.03,3.0099999999999998E-2,3.0099999999999998E-2,3.0200000000000001E-2,3.0300000000000001E-2,3.04E-2,3.0499999999999999E-2,3.0499999999999999E-2,null,270,271,272,273,274,275,275,276,277,278,279]
[null,null,38,3.0599999999999999E-2,3.0700000000000002E-2,3.0800000000000001E-2,3.09E-2,3.09E-2,3.1E-2,3.1099999999999999E-2,3.1199999999999999E-2,3.1300000000000001E-2,3.1399999999999997E-2,3.1399999999999997E-2,3.15E-2,null,281,282,282,283,284,285,286,287,288,289,290]
[null,null,39,3.1600000000000003E-2,3.1699999999999999E-2,3.1800000000000002E-2,3.1899999999999998E-2,3.2000000000000001E-2,3.2000000000000001E-2,3.2099999999999997E-2,3.2199999999999999E-2,3.2300000000000002E-2,3.2399999999999998E-2,3.2500000000000001E-2,3.2599999999999997E-2,null,292,293,294,294,295,296,297,298,299,300,301]
[null,null,40,3.27E-2,3.27E-2,3.2800000000000003E-2,3.2899999999999999E-2,3.3000000000000002E-2,3.3099999999999997E-2,3.32E-2,3.3300000000000003E-2,3.3399999999999999E-2,3.3500000000000002E-2,3.3599999999999998E-2,3.3599999999999998E-2,null,303,304,305,306,307,308,309,310,311,312,313]
[null,null,41,3.3700000000000001E-2,3.3799999999999997E-2,3.39E-2,3.4000000000000002E-2,3.4099999999999998E-2,3.4200000000000001E-2,3.4299999999999997E-2,3.44E-2,3.4500000000000003E-2,3.4599999999999999E-2,3.4700000000000002E-2,3.4799999999999998E-2,null,315,316,317,318,319,320,321,322,323,324,326]
[null,null,42,3.49E-2,3.5000000000000003E-2,3.5099999999999999E-2,3.5200000000000002E-2,3.5299999999999998E-2,3.5400000000000001E-2,3.5499999999999997E-2,3.56E-2,3.5700000000000003E-2,3.5799999999999998E-2,3.5900000000000001E-2,3.5999999999999997E-2,null,328,329,330,331,332,333,334,335,336,338,339]
[null,null,43,3.61E-2,3.6200000000000003E-2,3.6299999999999999E-2,3.6400000000000002E-2,3.6499999999999998E-2,3.6600000000000001E-2,3.6700000000000003E-2,3.6799999999999999E-2,3.6900000000000002E-2,3.6999999999999998E-2,3.7100000000000001E-2,3.7199999999999997E-2,null,341,342,343,344,345,347,348,349,350,351,352]
[null,null,44,3.73E-2,3.7400000000000003E-2,3.7600000000000001E-2,3.7699999999999997E-2,3.78E-2,3.7900000000000003E-2,3.7999999999999999E-2,3.8100000000000002E-2,3.8199999999999998E-2,3.8300000000000001E-2,3.8399999999999997E-2,3.85E-2,null,355,356,357,358,360,361,362,363,364,366,367]
[null,null,45,3.8600000000000002E-2,3.8800000000000001E-2,3.8899999999999997E-2,3.9E-2,3.9100000000000003E-2,3.9199999999999999E-2,3.9300000000000002E-2,3.95E-2,3.9600000000000003E-2,3.9699999999999999E-2,3.9800000000000002E-2,3.9899999999999998E-2,null,369,371,372,373,374,376,377,378,380,381,382]
[null,null,46,0.04,4.02E-2,4.0300000000000002E-2,4.0399999999999998E-2,4.0500000000000001E-2,4.0599999999999997E-2,4.0800000000000003E-2,4.0899999999999999E-2,4.1000000000000002E-2,4.1099999999999998E-2,4.1200000000000001E-2,4.1399999999999999E-2,null,385,386,387,389,390,391,393,394,395,397,398]
[null,null,47,4.1500000000000002E-2,4.1599999999999998E-2,4.1700000000000001E-2,4.19E-2,4.2000000000000003E-2,4.2099999999999999E-2,4.2299999999999997E-2,4.24E-2,4.2500000000000003E-2,4.2599999999999999E-2,4.2799999999999998E-2,4.2900000000000001E-2,null,401,402,404,405,407,408,409,411,412,414,415]
[null,null,48,4.2999999999999997E-2,4.3200000000000002E-2,4.3299999999999998E-2,4.3400000000000001E-2,4.36E-2,4.3700000000000003E-2,4.3799999999999999E-2,4.3999999999999997E-2,4.41E-2,4.4200000000000003E-2,4.4400000000000002E-2,4.4499999999999998E-2,null,418,419,421,422,424,425,427,428,430,431,433]
[null,null,49,4.4600000000000001E-2,4.48E-2,4.4900000000000002E-2,4.5100000000000001E-2,4.5199999999999997E-2,4.53E-2,4.5499999999999999E-2,4.5600000000000002E-2,4.58E-2,4.5900000000000003E-2,4.6100000000000002E-2,4.6199999999999998E-2,null,436,437,439,441,442,444,445,447,448,450,452]
[null,null,50,4.6300000000000001E-2,4.65E-2,4.6600000000000003E-2,4.6800000000000001E-2,4.6899999999999997E-2,4.7100000000000003E-2,4.7199999999999999E-2,4.7399999999999998E-2,4.7500000000000001E-2,4.7699999999999999E-2,4.7800000000000002E-2,4.8000000000000001E-2,null,455,457,458,460,461,463,465,466,468,470,471]
[null,null,51,4.8099999999999997E-2,4.8300000000000003E-2,4.8500000000000001E-2,4.8599999999999997E-2,4.8800000000000003E-2,4.8899999999999999E-2,4.9099999999999998E-2,4.9299999999999997E-2,4.9399999999999999E-2,4.9599999999999998E-2,4.9700000000000001E-2,4.99E-2,null,475,477,478,480,482,484,485,487,489,491,492]
[null,null,52,5.0099999999999999E-2,5.0200000000000002E-2,5.04E-2,5.0599999999999999E-2,5.0700000000000002E-2,5.0900000000000001E-2,5.11E-2,5.1200000000000002E-2,5.1400000000000001E-2,5.16E-2,5.1700000000000003E-2,5.1900000000000002E-2,null,496,498,500,502,504,505,507,509,511,513,515]
[null,null,53,5.21E-2,5.2299999999999999E-2,5.2400000000000002E-2,5.2600000000000001E-2,5.28E-2,5.2999999999999999E-2,5.3100000000000001E-2,5.33E-2,5.3499999999999999E-2,5.3699999999999998E-2,5.3900000000000003E-2,5.3999999999999999E-2,null,519,521,522,524,526,528,530,532,534,536,538]
[null,null,54,5.4199999999999998E-2,5.4399999999999997E-2,5.4600000000000003E-2,5.4800000000000001E-2,5.5E-2,5.5199999999999999E-2,5.5399999999999998E-2,5.5500000000000001E-2,5.57E-2,5.5899999999999998E-2,5.6099999999999997E-2,5.6300000000000003E-2,null,542,544,547,549,551,553,555,557,559,561,563]
[null,null,55,5.6500000000000002E-2,5.67E-2,5.6899999999999999E-2,5.7099999999999998E-2,5.7299999999999997E-2,5.7500000000000002E-2,5.7700000000000001E-2,5.79E-2,5.8099999999999999E-2,5.8299999999999998E-2,5.8500000000000003E-2,5.8700000000000002E-2,null,568,570,572,574,576,579,581,583,585,588,590]
[null,null,56,5.8900000000000001E-2,5.91E-2,5.9299999999999999E-2,5.96E-2,5.9799999999999999E-2,0.06,6.0199999999999997E-2,6.0400000000000002E-2,6.0600000000000001E-2,6.0900000000000003E-2,6.1100000000000002E-2,6.13E-2,null,594,597,599,602,604,606,609,611,613,616,618]
[null,null,57,6.1499999999999999E-2,6.1699999999999998E-2,6.2E-2,6.2199999999999998E-2,6.2399999999999997E-2,6.2700000000000006E-2,6.2899999999999998E-2,6.3100000000000003E-2,6.3299999999999995E-2,6.3600000000000004E-2,6.3799999999999996E-2,6.4000000000000001E-2,null,623,626,628,631,633,636,638,641,643,646,648]
[null,null,58,6.4299999999999996E-2,6.4500000000000002E-2,6.4799999999999996E-2,6.5000000000000002E-2,6.5199999999999994E-2,6.5500000000000003E-2,6.5699999999999995E-2,6.6000000000000003E-2,6.6199999999999995E-2,6.6500000000000004E-2,6.6699999999999995E-2,6.7000000000000004E-2,null,563,656,659,661,664,667,669,672,675,678,680]
[null,null,59,6.7199999999999996E-2,6.7500000000000004E-2,6.7699999999999996E-2,6.8000000000000005E-2,6.83E-2,6.8500000000000005E-2,6.88E-2,6.9099999999999995E-2,6.93E-2,6.9599999999999995E-2,6.9800000000000001E-2,7.0099999999999996E-2,null,686,689,692,694,697,700,703,706,709,712,715]
[null,null,60,7.0300000000000001E-2,7.0499999999999993E-2,7.0699999999999999E-2,7.0900000000000005E-2,7.1099999999999997E-2,7.1300000000000002E-2,7.1400000000000005E-2,7.1599999999999997E-2,7.1800000000000003E-2,7.1999999999999995E-2,7.22E-2,7.2400000000000006E-2,null,719,720,722,724,725,727,729,731,732,734,736]
[null,null,61,7.2599999999999998E-2,7.2800000000000004E-2,7.2999999999999995E-2,7.3200000000000001E-2,7.3400000000000007E-2,7.3599999999999999E-2,7.3800000000000004E-2,7.3999999999999996E-2,7.4200000000000002E-2,7.4399999999999994E-2,7.46E-2,7.4800000000000005E-2,null,739,741,743,745,746,748,750,752,754,756,757]
[null,null,62,7.4999999999999997E-2,7.5200000000000003E-2,7.5399999999999995E-2,7.5600000000000001E-2,7.5800000000000006E-2,7.6100000000000001E-2,7.6300000000000007E-2,7.6499999999999999E-2,7.6700000000000004E-2,7.6899999999999996E-2,7.7100000000000002E-2,7.7399999999999997E-2,null,761,763,765,767,769,771,773,775,777,779,781]
[null,null,63,7.7600000000000002E-2,7.7799999999999994E-2,7.8100000000000003E-2,7.8299999999999995E-2,7.85E-2,7.8799999999999995E-2,7.9000000000000001E-2,7.9200000000000007E-2,7.9500000000000001E-2,7.9699999999999993E-2,7.9899999999999999E-2,8.0199999999999994E-2,null,785,787,789,791,793,795,797,799,801,803,806]
[null,null,64,8.0399999999999999E-2,8.0699999999999994E-2,8.09E-2,8.1199999999999994E-2,8.14E-2,8.1699999999999995E-2,8.1900000000000001E-2,8.2199999999999995E-2,8.2400000000000001E-2,8.2699999999999996E-2,8.3000000000000004E-2,8.3199999999999996E-2,null,810,812,814,817,819,821,823,826,828,830,832]
[null,null,65,8.3299999999999999E-2]
[null,null,"Notes:"]
[null,null,"1) These factors are to be used to determine the earned portion for abatement purposes"]
[null,null,"2) The relevant mandatory lump sum adjustment factor should be multiplied by the member’s mandatory lump sum"]
[null,null,"3) The relevant early retirement factor should be multiplied by the member’s accrued pension"]
[null,null,"4) Reduced pension is obtained by subtracting the amount calculated in (2) from (3) (see formulae)"]
[null,null,"5) Reduced pension to be calculated before commutation for mandatory (and any further optional) lump sum"]
[null,null,"6) Applicable for 2008 section choice optants"]
[]
[]
[null,null,"Table AB1",null,"NHSPS 2015 (E&W): ACTUARIAL FACTORS",null,null,null,null,"Please note this table is the same as ERF1 currently"]
[null,null,null,null,"FACTORS FOR USE IN ABATEMENT CASES"]
[]
[null,null,"Time to NPA: Months",0,1,2,3,4,5,6,7,8,9,10,11]
[null,null,"PENSION FACTORS"]
[null,null,"Years"]
[null,null,0,1,0.995,0.99099999999999999,0.98599999999999999,0.98199999999999998,0.97699999999999998,0.97299999999999998,0.96799999999999997,0.96399999999999997,0.95899999999999996,0.95499999999999996,0.95]
[null,null,1,0.94599999999999995,0.94199999999999995,0.93799999999999994,0.93300000000000005,0.92900000000000005,0.92500000000000004,0.92100000000000004,0.91700000000000004,0.91300000000000003,0.90900000000000003,0.90400000000000003,0.9]
[null,null,2,0.89600000000000002,0.89200000000000002,0.88900000000000001,0.88500000000000001,0.88100000000000001,0.877,0.873,0.86899999999999999,0.86599999999999999,0.86199999999999999,0.85799999999999998,0.85399999999999998]
[null,null,3,0.85,0.84699999999999998,0.84299999999999997,0.84,0.83599999999999997,0.83299999999999996,0.82899999999999996,0.82599999999999996,0.82199999999999995,0.81899999999999995,0.81499999999999995,0.81200000000000006]
[null,null,4,0.80800000000000005,0.80500000000000005,0.80200000000000005,0.79900000000000004,0.79500000000000004,0.79200000000000004,0.78900000000000003,0.78600000000000003,0.78200000000000003,0.77900000000000003,0.77600000000000002,0.77300000000000002]
[null,null,5,0.76900000000000002,0.76600000000000001,0.76300000000000001,0.76,0.75700000000000001,0.754,0.751,0.748,0.745,0.74199999999999999,0.73899999999999999,0.73599999999999999]
[null,null,6,0.73299999999999998,0.73,0.72799999999999998,0.72499999999999998,0.72199999999999998,0.71899999999999997,0.71599999999999997,0.71399999999999997,0.71099999999999997,0.70799999999999996,0.70499999999999996,0.70199999999999996]
[null,null,7,0.7,0.69699999999999995,0.69399999999999995,0.69199999999999995,0.68899999999999995,0.68700000000000006,0.68400000000000005,0.68100000000000005,0.67900000000000005,0.67600000000000005,0.67400000000000004,0.67100000000000004]
[null,null,8,0.66800000000000004,0.66600000000000004,0.66400000000000003,0.66100000000000003,0.65900000000000003,0.65600000000000003,0.65400000000000003,0.65100000000000002,0.64900000000000002,0.64700000000000002,0.64400000000000002,0.64200000000000002]
[null,null,9,0.63900000000000001,0.63700000000000001,0.63500000000000001,0.63300000000000001,0.63,0.628,0.626,0.623,0.621,0.61899999999999999,0.61699999999999999,0.61399999999999999]
[null,null,10,0.61199999999999999,0.61,0.60799999999999998,0.60599999999999998,0.60399999999999998,0.60099999999999998,0.59899999999999998,0.59699999999999998,0.59499999999999997,0.59299999999999997,0.59099999999999997,0.58899999999999997]
[null,null,11,0.58699999999999997,0.58499999999999996,0.58299999999999996,0.58099999999999996,0.57899999999999996,0.57699999999999996,0.57499999999999996,0.57299999999999995,0.57099999999999995,0.56899999999999995,0.56699999999999995,0.56499999999999995]
[null,null,12,0.56299999999999994,0.56100000000000005,0.55900000000000005,0.55700000000000005,0.55500000000000005,0.55300000000000005,0.55100000000000005,0.55000000000000004,0.54800000000000004,0.54600000000000004,0.54400000000000004,0.54200000000000004]
[null,null,13,0.54,0.53800000000000003,0.53700000000000003,0.53500000000000003,0.53300000000000003,0.53100000000000003,0.53,0.52800000000000002,0.52600000000000002,0.52400000000000002,0.52300000000000002,0.52100000000000002]
[null,null,14,0.51900000000000002,0.51700000000000002,0.51600000000000001,0.51400000000000001,0.51200000000000001,0.51100000000000001,0.50900000000000001,0.50700000000000001,0.50600000000000001,0.504,0.502,0.501]
[null,null,15,0.499,0.498,0.496,0.49399999999999999,0.49299999999999999,0.49099999999999999,0.49,0.48799999999999999,0.48699999999999999,0.48499999999999999,0.48299999999999998,0.48199999999999998]
[null,null,16,0.48,0.47899999999999998,0.47699999999999998,0.47599999999999998,0.47399999999999998,0.47299999999999998,0.47099999999999997,0.47,0.46800000000000003,0.46700000000000003,0.46600000000000003,0.46400000000000002]
[null,null,17,0.46300000000000002,0.46100000000000002,0.46,0.45800000000000002,0.45700000000000002,0.45600000000000002,0.45400000000000001,0.45300000000000001,0.45100000000000001,0.45,0.44900000000000001,0.44700000000000001]
[null,null,18,0.44600000000000001,0.44400000000000001,0.443,0.442,0.44,0.439,0.438,0.436,0.435,0.434,0.432,0.43099999999999999]
[null,null,19,0.43,0.42899999999999999,0.42699999999999999,0.42599999999999999,0.42499999999999999,0.42299999999999999,0.42199999999999999,0.42099999999999999,0.42,0.41799999999999998,0.41699999999999998,0.41599999999999998]
[null,null,20,0.41499999999999998,0.41299999999999998,0.41199999999999998,0.41099999999999998,0.41,0.40899999999999997,0.40699999999999997,0.40600000000000003,0.40500000000000003,0.40400000000000003,0.40300000000000002,0.40100000000000002]
[null,null,21,0.4,0.39900000000000002,0.39800000000000002,0.39700000000000002,0.39600000000000002,0.39500000000000002,0.39300000000000002,0.39200000000000002,0.39100000000000001,0.39,0.38900000000000001,0.38800000000000001]
[null,null,22,0.38700000000000001,0.38600000000000001,0.38400000000000001,0.38300000000000001,0.38200000000000001,0.38100000000000001,0.38,0.379,0.378,0.377,0.376,0.375]
[null,null,23,0.374,0.373,0.372,0.37,0.36899999999999999,0.36799999999999999,0.36699999999999999,0.36599999999999999,0.36499999999999999,0.36399999999999999,0.36299999999999999,0.36199999999999999]
[null,null,24,0.36099999999999999,0.36,0.35899999999999999,0.35799999999999998,0.35699999999999998,0.35599999999999998,0.35499999999999998,0.35399999999999998,0.35299999999999998,0.35199999999999998,0.35099999999999998,0.35]
[null,null,25,0.34899999999999998,0.34799999999999998,0.34699999999999998,0.34699999999999998,0.34599999999999997,0.34499999999999997,0.34399999999999997,0.34300000000000003,0.34200000000000003,0.34100000000000003,0.34,0.33900000000000002]
[null,null,26,0.33800000000000002,0.33700000000000002,0.33600000000000002,0.33500000000000002,0.33400000000000002,0.33400000000000002,0.33300000000000002,0.33200000000000002,0.33100000000000002,0.33,0.32900000000000001,0.32800000000000001]
[null,null,27,0.32700000000000001,0.32600000000000001,0.32600000000000001,0.32500000000000001,0.32400000000000001,0.32300000000000001,0.32200000000000001,0.32100000000000001,0.32,0.32,0.31900000000000001,0.318]
[null,null,28,0.317,0.316,0.315,0.315,0.314,0.313,0.312,0.311,0.31,0.31,0.309,0.308]
[null,null,29,0.307,0.30599999999999999,0.30599999999999999,0.30499999999999999,0.30399999999999999,0.30299999999999999,0.30199999999999999,0.30199999999999999,0.30099999999999999,0.3,0.29899999999999999,0.29799999999999999]
[null,null,30,0.29799999999999999,0.29699999999999999,0.29599999999999999,0.29499999999999998,0.29499999999999998,0.29399999999999998,0.29299999999999998,0.29199999999999998,0.29199999999999998,0.29099999999999998,0.28999999999999998,0.28899999999999998]
[null,null,31,0.28899999999999998,0.28799999999999998,0.28699999999999998,0.28599999999999998,0.28599999999999998,0.28499999999999998,0.28399999999999997,0.28399999999999997,0.28299999999999997,0.28199999999999997,0.28100000000000003,0.28100000000000003]
[null,null,32,0.28000000000000003,0.27900000000000003,0.27900000000000003,0.27800000000000002,0.27700000000000002,0.27600000000000002,0.27600000000000002,0.27500000000000002,0.27400000000000002,0.27400000000000002,0.27300000000000002,0.27200000000000002]
[null,null,33,0.27200000000000002,0.27100000000000002,0.27,0.27,0.26900000000000002,0.26800000000000002,0.26800000000000002,0.26700000000000002,0.26600000000000001,0.26600000000000001,0.26500000000000001,0.26400000000000001]
[null,null,34,0.26400000000000001,0.26300000000000001,0.26200000000000001,0.26200000000000001,0.26100000000000001,0.26,0.26,0.25900000000000001,0.25900000000000001,0.25800000000000001,0.25700000000000001,0.25700000000000001]
[null,null,35,0.25600000000000001,0.255,0.255,0.254,0.253,0.253,0.252,0.252,0.251,0.25,0.25,0.249]
[null,null,36,0.249,0.248,0.247,0.247,0.246,0.246,0.245,0.24399999999999999,0.24399999999999999,0.24299999999999999,0.24299999999999999,0.24199999999999999]
[null,null,37,0.24099999999999999,0.24099999999999999,0.24,0.24,0.23899999999999999,0.23899999999999999,0.23799999999999999,0.23699999999999999,0.23699999999999999,0.23599999999999999,0.23599999999999999,0.23499999999999999]
[null,null,38,0.23499999999999999,0.23400000000000001,0.23300000000000001,0.23300000000000001,0.23200000000000001,0.23200000000000001,0.23100000000000001,0.23100000000000001,0.23,0.23,0.22900000000000001,0.22900000000000001]
[null,null,39,0.22800000000000001,0.22700000000000001,0.22700000000000001,0.22600000000000001,0.22600000000000001,0.22500000000000001,0.22500000000000001,0.224,0.224,0.223,0.223,0.222]
[null,null,40,0.222]

{"sheet":"CER Factors (pre 1-11-23)","index":9,"n_rows":49,"n_cols":15,"rows_kept":49,"cut":false,"hidden":true,"merged":[[31,3,31,14],[32,3,32,14],[34,1,44,1],[48,2,48,14],[1,2,1,14],[3,1,3,14],[4,3,4,14],[5,3,5,14],[7,1,25,1],[30,1,30,14]]}
[]
[null,null,"NHS Pension Scheme (E&W): Acutarial Factors"]
[]
[null,"Cost for a Member leaving on Complusory Early Retirement\nFactors Applicable to Main Pension Scheme"]
[null,"Table - CER 1",null,"Pension Factors"]
[null,null,null,"Age: Complete Months"]
[null,null,null,0,1,2,3,4,5,6,7,8,9,10,11]
[null,"Complete Years",50,25.369,25.341000000000001,25.314,25.286000000000001,25.259,25.231000000000002,25.204000000000001,25.175999999999998,25.149000000000001,25.120999999999999,25.094000000000001,25.065999999999999]
[null,null,51,25.039000000000001,25.009,24.98,24.95,24.920999999999999,24.890999999999998,24.861999999999998,24.832999999999998,24.803000000000001,24.774000000000001,24.744,24.715]
[null,null,52,24.684999999999999,24.654,24.622,24.591000000000001,24.559000000000001,24.527999999999999,24.495999999999999,24.465,24.434000000000001,24.402000000000001,24.370999999999999,24.338999999999999]
[null,null,53,24.308,24.274000000000001,24.24,24.207000000000001,24.172999999999998,24.14,24.106000000000002,24.071999999999999,24.039000000000001,24.004999999999999,23.972000000000001,23.937999999999999]
[null,null,54,23.905000000000001,23.869,23.832999999999998,23.797000000000001,23.760999999999999,23.725000000000001,23.69,23.654,23.617999999999999,23.582000000000001,23.545999999999999,23.51]
[null,null,55,23.475000000000001,23.437000000000001,23.399000000000001,23.361999999999998,23.324000000000002,23.286999999999999,23.248999999999999,23.212,23.173999999999999,23.135999999999999,23.099,23.061]
[null,null,56,23.024000000000001,22.986000000000001,22.946999999999999,22.908999999999999,22.870999999999999,22.832999999999998,22.795000000000002,22.757000000000001,22.719000000000001,22.681000000000001,22.641999999999999,22.603999999999999]
[null,null,57,22.565999999999999,22.527000000000001,22.489000000000001,22.45,22.411000000000001,22.373000000000001,22.334,22.295000000000002,22.256,22.218,22.178999999999998,22.14]
[null,null,58,22.100999999999999,22.062000000000001,22.023,21.983000000000001,21.943999999999999,21.904,21.864999999999998,21.824999999999999,21.786000000000001,21.747,21.707000000000001,21.667999999999999]
[null,null,59,21.628,21.588000000000001,21.547999999999998,21.507999999999999,21.468,21.427,21.387,21.347000000000001,21.306999999999999,21.266999999999999,21.225999999999999,21.186]
[null,null,60,21.146000000000001,21.105,21.064,21.023,20.981999999999999,20.940999999999999,20.9,20.859000000000002,20.818000000000001,20.777000000000001,20.736000000000001,20.695]
[null,null,61,20.654,20.611999999999998,20.571000000000002,20.529,20.486999999999998,20.445,20.402999999999999,20.361000000000001,20.32,20.277999999999999,20.236000000000001,20.193999999999999]
[null,null,62,20.152000000000001,20.11,20.067,20.024999999999999,19.981999999999999,19.940000000000001,19.896999999999998,19.855,19.812000000000001,19.77,19.727,19.684000000000001]
[null,null,63,19.641999999999999,19.599,19.555,19.512,19.469000000000001,19.425999999999998,19.382000000000001,19.338999999999999,19.295999999999999,19.251999999999999,19.209,19.166]
[null,null,64,19.123000000000001,19.079000000000001,19.035,18.991,18.946999999999999,18.902999999999999,18.859000000000002,18.815000000000001,18.771000000000001,18.727,18.683,18.638999999999999]
[null,null,65,18.594999999999999,18.55,18.504999999999999,18.46,18.416,18.370999999999999,18.326000000000001,18.280999999999999,18.236000000000001,18.192,18.146999999999998,18.102]
[null,null,66,18.056999999999999,18.012,17.966999999999999,17.920999999999999,17.876000000000001,17.829999999999998,17.785,17.739000000000001,17.693999999999999,17.649000000000001,17.603000000000002,17.558]
[null,null,67,17.512,17.466000000000001,17.420000000000002,17.373999999999999,17.327999999999999,17.282,17.236000000000001,17.190000000000001,17.143999999999998,17.097999999999999,17.052,17.006]
[null,null,68,16.96]
[null,null,"Notes:"]
[null,null,"1)","See Guidance for application of factor"]
[null,null,"2)","Pension amounts should be mutilplied by factor above before any lump sum commutation option is exercised"]
[null,null,"3)","These factors should not be applied to any Additional Pension"]
[null,"Cost for a Member leaving on Complusory Early Retirement\nCosts for Early Payment of Lump Sum (Including MLS For Choice Optants)"]
[null,"Table - CER 3",null,"Lump Sum Factors"]
[null,null,null,"Period to NPA: Months"]
[null,null,null,0,1,2,3,4,5,6,7,8,9,10,11]
[null,"Years",0,0,2E-3,4.0000000000000001E-3,6.0000000000000001E-3,8.0000000000000002E-3,0.01,1.2E-2,1.4E-2,1.6E-2,1.7999999999999999E-2,0.02,2.1000000000000001E-2]
[null,null,1,2.3E-2,2.5000000000000001E-2,2.7E-2,2.9000000000000001E-2,3.1E-2,3.3000000000000002E-2,3.5000000000000003E-2,3.6999999999999998E-2,3.9E-2,4.1000000000000002E-2,4.2999999999999997E-2,4.3999999999999997E-2]
[null,null,2,4.5999999999999999E-2,4.8000000000000001E-2,0.05,5.1999999999999998E-2,5.3999999999999999E-2,5.6000000000000001E-2,5.8000000000000003E-2,5.8999999999999997E-2,6.0999999999999999E-2,6.3E-2,6.5000000000000002E-2,6.7000000000000004E-2]
[null,null,3,6.9000000000000006E-2,7.0000000000000007E-2,7.1999999999999995E-2,7.3999999999999996E-2,7.5999999999999998E-2,7.8E-2,0.08,8.1000000000000003E-2,8.3000000000000004E-2,8.5000000000000006E-2,8.6999999999999994E-2,8.8999999999999996E-2]
[null,null,4,9.0999999999999998E-2,9.1999999999999998E-2,9.4E-2,9.6000000000000002E-2,9.8000000000000004E-2,9.9000000000000005E-2,0.10100000000000001,0.10299999999999999,0.105,0.106,0.108,0.11]
[null,null,5,0.112,0.114,0.115,0.11700000000000001,0.11899999999999999,0.12,0.122,0.124,0.126,0.127,0.129,0.13100000000000001]
[null,null,6,0.13300000000000001,0.13400000000000001,0.13600000000000001,0.13800000000000001,0.13900000000000001,0.14099999999999999,0.14299999999999999,0.14399999999999999,0.14599999999999999,0.14799999999999999,0.15,0.151]
[null,null,7,0.153,0.155,0.156,0.158,0.16,0.161,0.16300000000000001,0.16500000000000001,0.16600000000000001,0.16800000000000001,0.17,0.17100000000000001]
[null,null,8,0.17299999999999999,0.17399999999999999,0.17599999999999999,0.17799999999999999,0.17899999999999999,0.18099999999999999,0.183,0.184,0.186,0.187,0.189,0.191]
[null,null,9,0.192,0.19400000000000001,0.19500000000000001,0.19700000000000001,0.19900000000000001,0.2,0.20200000000000001,0.20300000000000001,0.20499999999999999,0.20599999999999999,0.20799999999999999,0.21]
[null,null,10,0.21099999999999999]
[null,"Notes:"]
[null,"1)","See Guidance for application of factor"]
[null,"2)","Period of Retirement should be rounded up to the higher month"]
[null,"3)","Where Members have any deffered PI at their date of redundancy, these factors should be applied to benefits excluding any deffered PI. A saving or cost should be then calculated using CER 4 or CER5. The overall cost to the Employer allowing for the adjustment of deffered PI should be greater than or equal to £0"]

{"sheet":"VER Factors (pre 30-06-2023)","index":10,"n_rows":320,"n_cols":27,"rows_kept":320,"cut":false,"hidden":true,"merged":[[23,1,23,14],[1,1,1,14],[3,1,3,14],[4,3,4,14],[5,3,5,14],[7,1,16,1],[84,2,84,14],[24,3,24,14],[25,3,25,14],[27,1,36,1],[40,1,40,14],[41,3,41,14],[42,3,42,14],[44,1,58,1],[67,2,67,14],[81,2,81,14],[82,2,82,14],[83,2,83,14],[212,2,212,14],[277,2,277,14],[89,2,89,15],[90,2,90,15],[91,2,91,15],[92,2,92,15],[94,2,94,14],[153,2,153,14]]}
["Factors in these tables are applicable prior to 30th June 2023"]
[null,"NHS Pension Scheme (E&W): Early Retirement Factors"]
[]
[null,"Benefits Payable to the Member on ARER\n1995 Scheme (NPA 60)"]
[null,"Table - ERF 1",null,"Pension Factors"]
[null,null,null,"Age: Complete Months"]
[null,null,null,0,1,2,3,4,5,6,7,8,9,10,11]
[null,"Complete Years",50,0.66100000000000003,0.66300000000000003,0.66500000000000004,0.66700000000000004,0.66900000000000004,0.67100000000000004,0.67300000000000004,0.67500000000000004,0.67700000000000005,0.67900000000000005,0.68100000000000005,0.68300000000000005]
[null,null,51,0.68500000000000005,0.68700000000000006,0.68899999999999995,0.69099999999999995,0.69299999999999995,0.69499999999999995,0.69699999999999995,0.7,0.70199999999999996,0.70399999999999996,0.70599999999999996,0.70799999999999996]
[null,null,52,0.71,0.71299999999999997,0.71499999999999997,0.71699999999999997,0.72,0.72199999999999998,0.72399999999999998,0.72599999999999998,0.72899999999999998,0.73099999999999998,0.73299999999999998,0.73599999999999999]
[null,null,53,0.73799999999999999,0.74,0.74299999999999999,0.745,0.748,0.75,0.753,0.755,0.75800000000000001,0.76,0.76300000000000001,0.76500000000000001]
[null,null,54,0.76800000000000002,0.77100000000000002,0.77300000000000002,0.77600000000000002,0.77900000000000003,0.78100000000000003,0.78400000000000003,0.78700000000000003,0.78900000000000003,0.79200000000000004,0.79500000000000004,0.79800000000000004]
[null,null,55,0.8,0.80300000000000005,0.80600000000000005,0.80900000000000005,0.81200000000000006,0.81499999999999995,0.81799999999999995,0.82099999999999995,0.82399999999999995,0.82599999999999996,0.82899999999999996,0.83199999999999996]
[null,null,56,0.83499999999999996,0.83799999999999997,0.84099999999999997,0.84399999999999997,0.84799999999999998,0.85099999999999998,0.85399999999999998,0.85699999999999998,0.86,0.86299999999999999,0.86599999999999999,0.86899999999999999]
[null,null,57,0.872,0.876,0.879,0.88200000000000001,0.88600000000000001,0.88900000000000001,0.89200000000000002,0.89600000000000002,0.89900000000000002,0.90200000000000002,0.90500000000000003,0.90900000000000003]
[null,null,58,0.91200000000000003,0.91600000000000004,0.91900000000000004,0.92300000000000004,0.92600000000000005,0.93,0.93300000000000005,0.93700000000000006,0.94,0.94399999999999995,0.94799999999999995,0.95099999999999996]
[null,null,59,0.95499999999999996,0.95799999999999996,0.96199999999999997,0.96599999999999997,0.97,0.97399999999999998,0.97699999999999998,0.98099999999999998,0.98499999999999999,0.98899999999999999,0.99299999999999999,0.996]
[]
[]
[]
[]
[]
[]
[null,"Benefits Payable to the Member on ARER\n1995 Scheme (NPA 60)"]
[null,"Table - ERF 7",null,"Lump Sum Factors"]
[null,null,null,"Age: Complete Months"]
[null,null,null,0,1,2,3,4,5,6,7,8,9,10,11]
[null,"Years",50,0.78900000000000003,0.79,0.79200000000000004,0.79400000000000004,0.79500000000000004,0.79700000000000004,0.79800000000000004,0.8,0.80100000000000005,0.80300000000000005,0.80500000000000005,0.80600000000000005]
[null,null,51,0.80800000000000005,0.80900000000000005,0.81100000000000005,0.81299999999999994,0.81399999999999995,0.81599999999999995,0.81699999999999995,0.81899999999999995,0.82099999999999995,0.82199999999999995,0.82399999999999995,0.82599999999999996]
[null,null,52,0.82699999999999996,0.82899999999999996,0.83,0.83199999999999996,0.83399999999999996,0.83499999999999996,0.83699999999999997,0.83899999999999997,0.84,0.84199999999999997,0.84399999999999997,0.84499999999999997]
[null,null,53,0.84699999999999998,0.84899999999999998,0.85,0.85199999999999998,0.85399999999999998,0.85599999999999998,0.85699999999999998,0.85899999999999999,0.86099999999999999,0.86199999999999999,0.86399999999999999,0.86599999999999999]
[null,null,54,0.86699999999999999,0.86899999999999999,0.871,0.873,0.874,0.876,0.878,0.88,0.88100000000000001,0.88300000000000001,0.88500000000000001,0.88600000000000001]
[null,null,55,0.88800000000000001,0.89,0.89200000000000002,0.89400000000000002,0.89500000000000002,0.89700000000000002,0.89900000000000002,0.90100000000000002,0.90200000000000002,0.90400000000000003,0.90600000000000003,0.90800000000000003]
[null,null,56,0.90900000000000003,0.91100000000000003,0.91300000000000003,0.91500000000000004,0.91700000000000004,0.91900000000000004,0.92,0.92200000000000004,0.92400000000000004,0.92600000000000005,0.92800000000000005,0.93]
[null,null,57,0.93100000000000005,0.93300000000000005,0.93500000000000005,0.93700000000000006,0.93899999999999995,0.94099999999999995,0.94199999999999995,0.94399999999999995,0.94599999999999995,0.94799999999999995,0.95,0.95199999999999996]
[null,null,58,0.95399999999999996,0.95599999999999996,0.95699999999999996,0.95899999999999996,0.96099999999999997,0.96299999999999997,0.96499999999999997,0.96699999999999997,0.96899999999999997,0.97099999999999997,0.97299999999999998,0.97499999999999998]
[null,null,59,0.97699999999999998,0.97899999999999998,0.98,0.98199999999999998,0.98399999999999999,0.98599999999999999,0.98799999999999999,0.99,0.99199999999999999,0.99399999999999999,0.996,0.998]
[]
[]
[]
[null,"Benefits Payable to the Member on ARER\n2008 Scheme (NPA 65)"]
[null,"Table - ERF 2",null,"Lump Sum Factors"]
[null,null,null,"Age: Complete Months"]
[null,null,null,0,1,2,3,4,5,6,7,8,9,10,11]
[null,"Years",50,0.51800000000000002,0.52,0.52100000000000002,0.52300000000000002,0.52400000000000002,0.52600000000000002,0.52800000000000002,0.52900000000000003,0.53100000000000003,0.53200000000000003,0.53400000000000003,0.53500000000000003]
[null,null,51,0.53700000000000003,0.53800000000000003,0.54,0.54200000000000004,0.54300000000000004,0.54500000000000004,0.54700000000000004,0.54800000000000004,0.55000000000000004,0.55200000000000005,0.55300000000000005,0.55500000000000005]
[null,null,52,0.55700000000000005,0.55800000000000005,0.56000000000000005,0.56200000000000006,0.56399999999999995,0.56599999999999995,0.56699999999999995,0.56899999999999995,0.57099999999999995,0.57299999999999995,0.57399999999999995,0.57599999999999996]
[null,null,53,0.57799999999999996,0.57999999999999996,0.58199999999999996,0.58399999999999996,0.58599999999999997,0.58799999999999997,0.59,0.59099999999999997,0.59299999999999997,0.59499999999999997,0.59699999999999998,0.59899999999999998]
[null,null,54,0.60099999999999998,0.60299999999999998,0.60499999999999998,0.60699999999999998,0.60899999999999999,0.61099999999999999,0.61399999999999999,0.61599999999999999,0.61799999999999999,0.62,0.622,0.624]
[null,null,55,0.626,0.628,0.63100000000000001,0.63300000000000001,0.63500000000000001,0.63700000000000001,0.64,0.64200000000000002,0.64400000000000002,0.64600000000000002,0.64900000000000002,0.65100000000000002]
[null,null,56,0.65300000000000002,0.65500000000000003,0.65800000000000003,0.66,0.66300000000000003,0.66500000000000004,0.66800000000000004,0.67,0.67200000000000004,0.67500000000000004,0.67700000000000005,0.68]
[null,null,57,0.68200000000000005,0.68500000000000005,0.68700000000000006,0.69,0.69199999999999995,0.69499999999999995,0.69699999999999995,0.7,0.70199999999999996,0.70499999999999996,0.70799999999999996,0.71]
[null,null,58,0.71299999999999997,0.71499999999999997,0.71799999999999997,0.72099999999999997,0.72399999999999998,0.72599999999999998,0.72899999999999998,0.73199999999999998,0.73499999999999999,0.73699999999999999,0.74,0.74299999999999999]
[null,null,59,0.746,0.749,0.752,0.754,0.75700000000000001,0.76,0.76300000000000001,0.76600000000000001,0.76900000000000002,0.77200000000000002,0.77500000000000002,0.77800000000000002]
[null,null,60,0.78100000000000003,0.78400000000000003,0.78700000000000003,0.79,0.79400000000000004,0.79700000000000004,0.8,0.80300000000000005,0.80600000000000005,0.80900000000000005,0.81200000000000006,0.81599999999999995]
[null,null,61,0.81899999999999995,0.82199999999999995,0.82599999999999996,0.82899999999999996,0.83199999999999996,0.83599999999999997,0.83899999999999997,0.84299999999999997,0.84599999999999997,0.84899999999999998,0.85299999999999998,0.85599999999999998]
[null,null,62,0.86,0.86299999999999999,0.86699999999999999,0.871,0.874,0.878,0.88200000000000001,0.88500000000000001,0.88900000000000001,0.89300000000000002,0.89600000000000002,0.9]
[null,null,63,0.90400000000000003,0.90800000000000003,0.91100000000000003,0.91500000000000004,0.91900000000000004,0.92300000000000004,0.92700000000000005,0.93100000000000005,0.93500000000000005,0.93899999999999995,0.94299999999999995,0.94699999999999995]
[null,null,64,0.95099999999999996,0.95499999999999996,0.95899999999999996,0.96299999999999997,0.96699999999999997,0.97199999999999998,0.97599999999999998,0.98,0.98399999999999999,0.98799999999999999,0.99199999999999999,0.996]
[]
[]
[]
[null,null,"TABLE ERF11"]
[null,null,"NHS PENSION SCHEME (E&W): ACTUARIAL FACTORS"]
[null,null,"BENEFITS PAYABLE TO THE MEMBER ON VOLUNTARY EARLY RETIREMENT (WITH ACTUARIAL REDUCTION)"]
[null,null,"MEMBERS OF 2008 SECTION WITH A MANDATORY LUMP SUM (RELATIVE TO PENSION AGE OF 65)"]
[]
[null,null,"ADJUSTMENT FACTORS"]
[null,null,"Age: complete  years \\ months:",0,1,2,3,4,5,6,7,8,9,10,11]
[null,null,55,0.02,0.02,0.02,0.02,1.9E-2,1.9E-2,1.9E-2,1.9E-2,1.9E-2,1.9E-2,1.9E-2,1.9E-2]
[null,null,56,1.9E-2,1.9E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2]
[null,null,57,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.6E-2,1.6E-2,1.6E-2]
[null,null,58,1.6E-2,1.6E-2,1.6E-2,1.6E-2,1.6E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2,1.4999999999999999E-2]
[null,null,59,1.4999999999999999E-2,1.4999999999999999E-2,1.4E-2,1.4E-2,1.4E-2,1.4E-2,1.4E-2,1.4E-2,1.4E-2,1.2999999999999999E-2,1.2999999999999999E-2,1.2999999999999999E-2]
[null,null,60,1.2999999999999999E-2,1.2999999999999999E-2,1.2999999999999999E-2,1.2999999999999999E-2,1.2E-2,1.2E-2,1.2E-2,1.2E-2,1.2E-2,1.0999999999999999E-2,1.0999999999999999E-2,1.0999999999999999E-2]
[null,null,61,1.0999999999999999E-2,1.0999999999999999E-2,0.01,0.01,0.01,0.01,0.01,8.9999999999999993E-3,8.9999999999999993E-3,8.9999999999999993E-3,8.9999999999999993E-3,8.9999999999999993E-3]
[null,null,62,8.0000000000000002E-3,8.0000000000000002E-3,8.0000000000000002E-3,8.0000000000000002E-3,8.0000000000000002E-3,7.0000000000000001E-3,7.0000000000000001E-3,7.0000000000000001E-3,7.0000000000000001E-3,7.0000000000000001E-3,6.0000000000000001E-3,6.0000000000000001E-3]
[null,null,63,6.0000000000000001E-3,6.0000000000000001E-3,5.0000000000000001E-3,5.0000000000000001E-3,5.0000000000000001E-3,5.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,4.0000000000000001E-3,3.0000000000000001E-3]
[null,null,64,3.0000000000000001E-3,3.0000000000000001E-3,3.0000000000000001E-3,2E-3,2E-3,2E-3,2E-3,1E-3,1E-3,1E-3,1E-3,0]
[null,null,65,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,null,"(1) these factors should be used to calculate members reduced early retirement pension before commutation for mandatory (and any further optional) lump sum "]
[null,null,"(2) the relevant factor in table ERF11 should be multiplied by the member’s mandatory lump sum which has already been reduced for early payment using factors in ERF7"]
[null,null,"(3) the relevant early retirement factor from table ERF2 should be multiplied by the member’s accrued pension (before commutation for mandatory (and any further optional) lump sum)"]
[null,null,"(4) reduced pension is obtained by adding the amounts calculated in note 2 and note 3 together"]
[]
[]
[]
[]
[null,null,"TABLE ERF1 "]
[null,null,"NHS PENSION SCHEME 2015 (E&W): ACTUARIAL FACTORS"]
[null,null,"BENEFITS PAYABLE TO THE MEMBER ON VOLUNTARY EARLY RETIREMENT (WITH ACTUARIAL REDUCTION)"]
[null,null,"FACTORS APPLICABLE TO MAIN SCHEME PENSION AND ADDITIONAL PENSION"]
[null,null,"Time to NPA: Months",0,1,2,3,4,5,6,7,8,9,10,11]
[null,null,"PENSION FACTORS"]
[null,null,"Years"]
[null,null,0,1,0.995,0.99099999999999999,0.98599999999999999,0.98199999999999998,0.97699999999999998,0.97299999999999998,0.96799999999999997,0.96399999999999997,0.95899999999999996,0.95499999999999996,0.95]
[null,null,1,0.94599999999999995,0.94199999999999995,0.93799999999999994,0.93300000000000005,0.92900000000000005,0.92500000000000004,0.92100000000000004,0.91700000000000004,0.91300000000000003,0.90900000000000003,0.90400000000000003,0.9]
[null,null,2,0.89600000000000002,0.89200000000000002,0.88900000000000001,0.88500000000000001,0.88100000000000001,0.877,0.873,0.86899999999999999,0.86599999999999999,0.86199999999999999,0.85799999999999998,0.85399999999999998]
[null,null,3,0.85,0.84699999999999998,0.84299999999999997,0.84,0.83599999999999997,0.83299999999999996,0.82899999999999996,0.82599999999999996,0.82199999999999995,0.81899999999999995,0.81499999999999995,0.81200000000000006]
[null,null,4,0.80800000000000005,0.80500000000000005,0.80200000000000005,0.79900000000000004,0.79500000000000004,0.79200000000000004,0.78900000000000003,0.78600000000000003,0.78200000000000003,0.77900000000000003,0.77600000000000002,0.77300000000000002]
[null,null,5,0.76900000000000002,0.76600000000000001,0.76300000000000001,0.76,0.75700000000000001,0.754,0.751,0.748,0.745,0.74199999999999999,0.73899999999999999,0.73599999999999999]
[null,null,6,0.73299999999999998,0.73,0.72799999999999998,0.72499999999999998,0.72199999999999998,0.71899999999999997,0.71599999999999997,0.71399999999999997,0.71099999999999997,0.70799999999999996,0.70499999999999996,0.70199999999999996]
[null,null,7,0.7,0.69699999999999995,0.69399999999999995,0.69199999999999995,0.68899999999999995,0.68700000000000006,0.68400000000000005,0.68100000000000005,0.67900000000000005,0.67600000000000005,0.67400000000000004,0.67100000000000004]
[null,null,8,0.66800000000000004,0.66600000000000004,0.66400000000000003,0.66100000000000003,0.65900000000000003,0.65600000000000003,0.65400000000000003,0.65100000000000002,0.64900000000000002,0.64700000000000002,0.64400000000000002,0.64200000000000002]
[null,null,9,0.63900000000000001,0.63700000000000001,0.63500000000000001,0.63300000000000001,0.63,0.628,0.626,0.623,0.621,0.61899999999999999,0.61699999999999999,0.61399999999999999]
[null,null,10,0.61199999999999999,0.61,0.60799999999999998,0.60599999999999998,0.60399999999999998,0.60099999999999998,0.59899999999999998,0.59699999999999998,0.59499999999999997,0.59299999999999997,0.59099999999999997,0.58899999999999997]
[null,null,11,0.58699999999999997,0.58499999999999996,0.58299999999999996,0.58099999999999996,0.57899999999999996,0.57699999999999996,0.57499999999999996,0.57299999999999995,0.57099999999999995,0.56899999999999995,0.56699999999999995,0.56499999999999995]
[null,null,12,0.56299999999999994,0.56100000000000005,0.55900000000000005,0.55700000000000005,0.55500000000000005,0.55300000000000005,0.55100000000000005,0.55000000000000004,0.54800000000000004,0.54600000000000004,0.54400000000000004,0.54200000000000004]
[null,null,13,0.54]
[null,null,"  Notes: ","(1) NPA should be substituted for RRA where appropriate"]
[null,null,"             ","(2) AP should be pro-rated to take account of unpaid contributions at date of retirement. Any paid up AP entitlement should include PI to DOR"]
[null,null,null,"(3) The appropriate factor is based on the period between DOR and NPA (or RRA) in years and months, rounded up to the next higher month.  "]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Table AB2",null,"NHS Pension Scheme (E&W): Actuarial Factors"]
[null,null,null,null,"Factors for use in abatement cases Members of 2008 Section (relative to pension age of 65)"]
[]
[null,null,"PENSION FACTORS"]
[null,null,"Age: complete  years \\ months:",0,1,2,3,4,5,6,7,8,9,10,11]
[null,null,20,0.20200000000000001,0.20200000000000001,0.20300000000000001,0.20300000000000001,0.20399999999999999,0.20399999999999999,0.20499999999999999,0.20499999999999999,0.20599999999999999,0.20599999999999999,0.20699999999999999,0.20699999999999999]
[null,null,21,0.20799999999999999,0.20799999999999999,0.20799999999999999,0.20899999999999999,0.20899999999999999,0.21,0.21,0.21099999999999999,0.21099999999999999,0.21199999999999999,0.21199999999999999,0.21299999999999999]
[null,null,22,0.21299999999999999,0.214,0.214,0.215,0.215,0.216,0.216,0.217,0.217,0.218,0.218,0.219]
[null,null,23,0.219,0.22,0.22,0.221,0.221,0.222,0.222,0.223,0.223,0.224,0.224,0.22500000000000001]
[null,null,24,0.22500000000000001,0.22600000000000001,0.22600000000000001,0.22700000000000001,0.22700000000000001,0.22800000000000001,0.22800000000000001,0.22900000000000001,0.23,0.23,0.23100000000000001,0.23100000000000001]
[null,null,25,0.23200000000000001,0.23200000000000001,0.23300000000000001,0.23300000000000001,0.23400000000000001,0.23400000000000001,0.23499999999999999,0.23599999999999999,0.23599999999999999,0.23699999999999999,0.23699999999999999,0.23799999999999999]
[null,null,26,0.23799999999999999,0.23899999999999999,0.23899999999999999,0.24,0.24099999999999999,0.24099999999999999,0.24199999999999999,0.24199999999999999,0.24299999999999999,0.24299999999999999,0.24399999999999999,0.245]
[null,null,27,0.245,0.246,0.246,0.247,0.247,0.248,0.249,0.249,0.25,0.25,0.251,0.252]
[null,null,28,0.252,0.253,0.253,0.254,0.255,0.255,0.25600000000000001,0.25600000000000001,0.25700000000000001,0.25800000000000001,0.25800000000000001,0.25900000000000001]
[null,null,29,0.26,0.26,0.26100000000000001,0.26100000000000001,0.26200000000000001,0.26300000000000001,0.26300000000000001,0.26400000000000001,0.26500000000000001,0.26500000000000001,0.26600000000000001,0.26700000000000002]
[null,null,30,0.26700000000000002,0.26800000000000002,0.26900000000000002,0.26900000000000002,0.27,0.27,0.27100000000000002,0.27200000000000002,0.27200000000000002,0.27300000000000002,0.27400000000000002,0.27400000000000002]
[null,null,31,0.27500000000000002,0.27600000000000002,0.27700000000000002,0.27700000000000002,0.27800000000000002,0.27900000000000003,0.27900000000000003,0.28000000000000003,0.28100000000000003,0.28100000000000003,0.28199999999999997,0.28299999999999997]
[null,null,32,0.28299999999999997,0.28399999999999997,0.28499999999999998,0.28599999999999998,0.28599999999999998,0.28699999999999998,0.28799999999999998,0.28799999999999998,0.28899999999999998,0.28999999999999998,0.29099999999999998,0.29099999999999998]
[null,null,33,0.29199999999999998,0.29299999999999998,0.29299999999999998,0.29399999999999998,0.29499999999999998,0.29599999999999999,0.29599999999999999,0.29699999999999999,0.29799999999999999,0.29899999999999999,0.29899999999999999,0.3]
[null,null,34,0.30099999999999999,0.30199999999999999,0.30199999999999999,0.30299999999999999,0.30399999999999999,0.30499999999999999,0.30599999999999999,0.30599999999999999,0.307,0.308,0.309,0.309]
[null,null,35,0.31,0.311,0.312,0.313,0.313,0.314,0.315,0.316,0.317,0.317,0.318,0.31900000000000001]
[null,null,36,0.32,0.32100000000000001,0.32200000000000001,0.32200000000000001,0.32300000000000001,0.32400000000000001,0.32500000000000001,0.32600000000000001,0.32700000000000001,0.32800000000000001,0.32800000000000001,0.32900000000000001]
[null,null,37,0.33,0.33100000000000002,0.33200000000000002,0.33300000000000002,0.33400000000000002,0.33400000000000002,0.33500000000000002,0.33600000000000002,0.33700000000000002,0.33800000000000002,0.33900000000000002,0.34]
[null,null,38,0.34100000000000003,0.34200000000000003,0.34200000000000003,0.34300000000000003,0.34399999999999997,0.34499999999999997,0.34599999999999997,0.34699999999999998,0.34799999999999998,0.34899999999999998,0.35,0.35099999999999998]
[null,null,39,0.35199999999999998,0.35299999999999998,0.35399999999999998,0.35499999999999998,0.35499999999999998,0.35599999999999998,0.35699999999999998,0.35799999999999998,0.35899999999999999,0.36,0.36099999999999999,0.36199999999999999]
[null,null,40,0.36299999999999999,0.36399999999999999,0.36499999999999999,0.36599999999999999,0.36699999999999999,0.36799999999999999,0.36899999999999999,0.37,0.371,0.372,0.373,0.374]
[null,null,41,0.375,0.376,0.377,0.378,0.379,0.38,0.38200000000000001,0.38300000000000001,0.38400000000000001,0.38500000000000001,0.38600000000000001,0.38700000000000001]
[null,null,42,0.38800000000000001,0.38900000000000001,0.39,0.39100000000000001,0.39200000000000002,0.39300000000000002,0.39400000000000002,0.39600000000000002,0.39700000000000002,0.39800000000000002,0.39900000000000002,0.4]
[null,null,43,0.40100000000000002,0.40200000000000002,0.40300000000000002,0.40500000000000003,0.40600000000000003,0.40699999999999997,0.40799999999999997,0.40899999999999997,0.41,0.41099999999999998,0.41299999999999998,0.41399999999999998]
[null,null,44,0.41499999999999998,0.41599999999999998,0.41699999999999998,0.41899999999999998,0.42,0.42099999999999999,0.42199999999999999,0.42299999999999999,0.42499999999999999,0.42599999999999999,0.42699999999999999,0.42799999999999999]
[null,null,45,0.43,0.43099999999999999,0.432,0.433,0.435,0.436,0.437,0.438,0.44,0.441,0.442,0.44400000000000001]
[null,null,46,0.44500000000000001,0.44600000000000001,0.44800000000000001,0.44900000000000001,0.45,0.45200000000000001,0.45300000000000001,0.45400000000000001,0.45600000000000002,0.45700000000000002,0.45800000000000002,0.46]
[null,null,47,0.46100000000000002,0.46200000000000002,0.46400000000000002,0.46500000000000002,0.46700000000000003,0.46800000000000003,0.46899999999999997,0.47099999999999997,0.47199999999999998,0.47399999999999998,0.47499999999999998,0.47699999999999998]
[null,null,48,0.47799999999999998,0.47899999999999998,0.48099999999999998,0.48199999999999998,0.48399999999999999,0.48499999999999999,0.48699999999999999,0.48799999999999999,0.49,0.49099999999999999,0.49299999999999999,0.49399999999999999]
[null,null,49,0.496,0.497,0.499,0.501,0.502,0.504,0.505,0.50700000000000001,0.50800000000000001,0.51,0.51200000000000001,0.51300000000000001]
[null,null,50,0.51500000000000001,0.51600000000000001,0.51800000000000002,0.52,0.52100000000000002,0.52300000000000002,0.52500000000000002,0.52600000000000002,0.52800000000000002,0.53,0.53100000000000003,0.53300000000000003]
[null,null,51,0.53500000000000003,0.53600000000000003,0.53800000000000003,0.54,0.54200000000000004,0.54300000000000004,0.54500000000000004,0.54700000000000004,0.54900000000000004,0.55000000000000004,0.55200000000000005,0.55400000000000005]
[null,null,52,0.55600000000000005,0.55800000000000005,0.56000000000000005,0.56100000000000005,0.56299999999999994,0.56499999999999995,0.56699999999999995,0.56899999999999995,0.57099999999999995,0.57299999999999995,0.57399999999999995,0.57599999999999996]
[null,null,53,0.57799999999999996,0.57999999999999996,0.58199999999999996,0.58399999999999996,0.58599999999999997,0.58799999999999997,0.59,0.59199999999999997,0.59399999999999997,0.59599999999999997,0.59799999999999998,0.6]
[null,null,54,0.60199999999999998,0.60399999999999998,0.60599999999999998,0.60799999999999998,0.61,0.61199999999999999,0.61399999999999999,0.61699999999999999,0.61899999999999999,0.621,0.623,0.625]
[null,null,55,0.627,0.629,0.63200000000000001,0.63400000000000001,0.63600000000000001,0.63800000000000001,0.64100000000000001,0.64300000000000002,0.64500000000000002,0.64700000000000002,0.64900000000000002,0.65200000000000002]
[null,null,56,0.65400000000000003,0.65600000000000003,0.65900000000000003,0.66100000000000003,0.66400000000000003,0.66600000000000004,0.66800000000000004,0.67100000000000004,0.67300000000000004,0.67500000000000004,0.67800000000000005,0.68]
[null,null,57,0.68300000000000005,0.68500000000000005,0.68799999999999994,0.69,0.69299999999999995,0.69499999999999995,0.69799999999999995,0.7,0.70299999999999996,0.70599999999999996,0.70799999999999996,0.71099999999999997]
[null,null,58,0.71299999999999997,0.71599999999999997,0.71899999999999997,0.72099999999999997,0.72399999999999998,0.72699999999999998,0.73,0.73199999999999998,0.73499999999999999,0.73799999999999999,0.74,0.74299999999999999]
[null,null,59,0.746,0.749,0.752,0.755,0.75800000000000001,0.76100000000000001,0.76400000000000001,0.76600000000000001,0.76900000000000002,0.77200000000000002,0.77500000000000002,0.77800000000000002]
[null,null,60,0.78100000000000003,0.78400000000000003,0.78700000000000003,0.79100000000000004,0.79400000000000004,0.79700000000000004,0.8,0.80300000000000005,0.80600000000000005,0.80900000000000005,0.81200000000000006,0.81599999999999995]
[null,null,61,0.81899999999999995,0.82199999999999995,0.82599999999999996,0.82899999999999996,0.83199999999999996,0.83599999999999997,0.83899999999999997,0.84199999999999997,0.84599999999999997,0.84899999999999998,0.85299999999999998,0.85599999999999998]
[null,null,62,0.86,0.86299999999999999,0.86699999999999999,0.87,0.874,0.878,0.88100000000000001,0.88500000000000001,0.88900000000000001,0.89200000000000002,0.89600000000000002,0.9]
[null,null,63,0.90300000000000002,0.90700000000000003,0.91100000000000003,0.91500000000000004,0.91900000000000004,0.92300000000000004,0.92700000000000005,0.93100000000000005,0.93500000000000005,0.93899999999999995,0.94299999999999995,0.94699999999999995]
[null,null,64,0.95099999999999996,0.95499999999999996,0.95899999999999996,0.96399999999999997,0.96799999999999997,0.97199999999999998,0.97599999999999998,0.98099999999999998,0.98499999999999999,0.98899999999999999,0.99399999999999999,0.998]
[null,null,65,1]
[null,1,"These factors are to be used to determine theearned portion of a pension foe abatement puposes."]
[null,2,"Factors should be applied to unreduced pension as the member's retirement date before any allowance for commutation (unless due to allocation)"]
[null,3,"Applicable for 2008 section Main Schem Pension, 1995 Section NPA 65 Added Years' pension and 1995 and 2008 section NPA65 Additional Pension ( contracts exercised from 1 April 2011 onwards)"]
[null,4,"Retirement from active or presered status in ill health (immediate pension increases)"]
[]
[]
[]
[]
[null,null,"Table AB6",null,"NHS Pension Scheme (E&W): Actuarial Factors"]
[null,null,null,null,"Factors for use in abatement cases Members of 2008 Section with Mandatory Lump Sum (relative to pension age of 65)"]
[]
[null,null,"PENSION FACTORS"]
[null,null,"Age: complete  years \\ months:",0,1,2,3,4,5,6,7,8,9,10,11]
[null,null,16,1.6299999999999999E-2,1.6299999999999999E-2,1.6299999999999999E-2,1.6400000000000001E-2,1.6400000000000001E-2,1.6400000000000001E-2,1.6500000000000001E-2,1.6500000000000001E-2,1.6500000000000001E-2,1.66E-2,1.66E-2,1.67E-2,null,129,129,129,130,130,130,131,131,132,132,132]
[null,null,17,1.67E-2,1.67E-2,1.6799999999999999E-2,1.6799999999999999E-2,1.6799999999999999E-2,1.6899999999999998E-2,1.6899999999999998E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7000000000000001E-2,1.7100000000000001E-2,1.7100000000000001E-2,null,133,133,134,134,135,135,135,136,136,136,137]
[null,null,18,1.7100000000000001E-2,1.72E-2,1.72E-2,1.7299999999999999E-2,1.7299999999999999E-2,1.7299999999999999E-2,1.7399999999999999E-2,1.7399999999999999E-2,1.7500000000000002E-2,1.7500000000000002E-2,1.7500000000000002E-2,1.7600000000000001E-2,null,138,138,138,139,139,140,140,140,141,141,142]
[null,null,19,1.7600000000000001E-2,1.77E-2,1.77E-2,1.77E-2,1.78E-2,1.78E-2,1.7899999999999999E-2,1.7899999999999999E-2,1.7899999999999999E-2,1.7999999999999999E-2,1.7999999999999999E-2,1.8100000000000002E-2,null,142,143,143,144,144,144,145,145,146,146,146]
[null,null,20,1.8100000000000002E-2,1.8100000000000002E-2,1.8200000000000001E-2,1.8200000000000001E-2,1.83E-2,1.83E-2,1.83E-2,1.84E-2,1.84E-2,1.8499999999999999E-2,1.8499999999999999E-2,1.8499999999999999E-2,null,147,148,148,149,149,149,150,150,151,151,151]
[null,null,21,1.8599999999999998E-2,1.8599999999999998E-2,1.8700000000000001E-2,1.8700000000000001E-2,1.8800000000000001E-2,1.8800000000000001E-2,1.8800000000000001E-2,1.89E-2,1.89E-2,1.9E-2,1.9E-2,1.9099999999999999E-2,null,152,153,153,154,154,155,155,155,156,156,157]
[null,null,22,1.9099999999999999E-2,1.9199999999999998E-2,1.9199999999999998E-2,1.9199999999999998E-2,1.9300000000000001E-2,1.9300000000000001E-2,1.9400000000000001E-2,1.9400000000000001E-2,1.95E-2,1.95E-2,1.9599999999999999E-2,1.9599999999999999E-2,null,158,158,159,159,160,160,160,161,161,162,162]
[null,null,23,1.9599999999999999E-2,1.9699999999999999E-2,1.9699999999999999E-2,1.9800000000000002E-2,1.9800000000000002E-2,1.9900000000000001E-2,1.9900000000000001E-2,0.02,0.02,2.01E-2,2.01E-2,2.0199999999999999E-2,null,163,164,164,165,165,166,166,167,167,168,168]
[null,null,24,2.0199999999999999E-2,2.0199999999999999E-2,2.0299999999999999E-2,2.0299999999999999E-2,2.0400000000000001E-2,2.0400000000000001E-2,2.0500000000000001E-2,2.0500000000000001E-2,2.06E-2,2.06E-2,2.07E-2,2.07E-2,null,169,169,170,170,171,171,172,172,173,173,174]
[null,null,25,2.0799999999999999E-2,2.0799999999999999E-2,2.0899999999999998E-2,2.0899999999999998E-2,2.1000000000000001E-2,2.1000000000000001E-2,2.1100000000000001E-2,2.1100000000000001E-2,2.12E-2,2.12E-2,2.1299999999999999E-2,2.1299999999999999E-2,null,175,175,176,177,177,178,178,179,179,180,180]
[null,null,26,2.1399999999999999E-2,2.1399999999999999E-2,2.1499999999999998E-2,2.1499999999999998E-2,2.1600000000000001E-2,2.1600000000000001E-2,2.1700000000000001E-2,2.1700000000000001E-2,2.18E-2,2.18E-2,2.1899999999999999E-2,2.1899999999999999E-2,null,181,182,182,183,183,184,184,185,186,186,187]
[null,null,27,2.1999999999999999E-2,2.1999999999999999E-2,2.2100000000000002E-2,2.2100000000000002E-2,2.2200000000000001E-2,2.2200000000000001E-2,2.23E-2,2.24E-2,2.24E-2,2.2499999999999999E-2,2.2499999999999999E-2,2.2599999999999999E-2,null,188,188,189,189,190,191,191,192,192,193,193]
[null,null,28,2.2599999999999999E-2,2.2700000000000001E-2,2.2700000000000001E-2,2.2800000000000001E-2,2.2800000000000001E-2,2.29E-2,2.3E-2,2.3E-2,2.3099999999999999E-2,2.3099999999999999E-2,2.3199999999999998E-2,2.3199999999999998E-2,null,194,195,196,196,197,197,198,199,199,200,200]
[null,null,29,2.3300000000000001E-2,2.3300000000000001E-2,2.3400000000000001E-2,2.35E-2,2.35E-2,2.3599999999999999E-2,2.3599999999999999E-2,2.3699999999999999E-2,2.3699999999999999E-2,2.3800000000000002E-2,2.3900000000000001E-2,2.3900000000000001E-2,null,202,202,203,203,204,205,205,206,206,207,208]
[null,null,30,2.4E-2,2.4E-2,2.41E-2,2.4199999999999999E-2,2.4199999999999999E-2,2.4299999999999999E-2,2.4299999999999999E-2,2.4400000000000002E-2,2.4500000000000001E-2,2.4500000000000001E-2,2.46E-2,2.46E-2,null,209,210,210,211,211,212,213,213,214,215,215]
[null,null,31,2.47E-2,2.4799999999999999E-2,2.4799999999999999E-2,2.4899999999999999E-2,2.4899999999999999E-2,2.5000000000000001E-2,2.5100000000000001E-2,2.5100000000000001E-2,2.52E-2,2.53E-2,2.53E-2,2.5399999999999999E-2,null,217,217,218,219,219,220,221,221,222,223,223]
[null,null,32,2.5399999999999999E-2,2.5499999999999998E-2,2.5600000000000001E-2,2.5600000000000001E-2,2.5700000000000001E-2,2.58E-2,2.58E-2,2.5899999999999999E-2,2.5999999999999999E-2,2.5999999999999999E-2,2.6100000000000002E-2,2.6200000000000001E-2,null,225,225,226,227,227,228,229,229,230,231,231]
[null,null,33,2.6200000000000001E-2,2.63E-2,2.64E-2,2.64E-2,2.6499999999999999E-2,2.6599999999999999E-2,2.6599999999999999E-2,2.6700000000000002E-2,2.6800000000000001E-2,2.6800000000000001E-2,2.69E-2,2.7E-2,null,233,234,234,235,236,237,237,230,239,239,240]
[null,null,34,2.7E-2,2.7099999999999999E-2,2.7199999999999998E-2,2.7199999999999998E-2,2.7300000000000001E-2,2.7400000000000001E-2,2.7400000000000001E-2,2.75E-2,2.76E-2,2.7699999999999999E-2,2.7699999999999999E-2,2.7799999999999998E-2,null,242,242,243,244,245,245,246,247,248,248,249]
[null,null,35,2.7900000000000001E-2,2.7900000000000001E-2,2.8000000000000001E-2,2.81E-2,2.8199999999999999E-2,2.8199999999999999E-2,2.8299999999999999E-2,2.8400000000000002E-2,2.8400000000000002E-2,2.8500000000000001E-2,2.86E-2,2.87E-2,null,251,252,252,253,254,255,255,256,257,258,259]
[null,null,36,2.87E-2,2.8799999999999999E-2,2.8899999999999999E-2,2.9000000000000001E-2,2.9000000000000001E-2,2.9100000000000001E-2,2.92E-2,2.93E-2,2.9399999999999999E-2,2.9399999999999999E-2,2.9499999999999998E-2,2.9600000000000001E-2,null,260,261,262,263,264,264,265,266,267,268,269]
[null,null,37,2.9700000000000001E-2,2.9700000000000001E-2,2.98E-2,2.9899999999999999E-2,0.03,3.0099999999999998E-2,3.0099999999999998E-2,3.0200000000000001E-2,3.0300000000000001E-2,3.04E-2,3.0499999999999999E-2,3.0499999999999999E-2,null,270,271,272,273,274,275,275,276,277,278,279]
[null,null,38,3.0599999999999999E-2,3.0700000000000002E-2,3.0800000000000001E-2,3.09E-2,3.09E-2,3.1E-2,3.1099999999999999E-2,3.1199999999999999E-2,3.1300000000000001E-2,3.1399999999999997E-2,3.1399999999999997E-2,3.15E-2,null,281,282,282,283,284,285,286,287,288,289,290]
[null,null,39,3.1600000000000003E-2,3.1699999999999999E-2,3.1800000000000002E-2,3.1899999999999998E-2,3.2000000000000001E-2,3.2000000000000001E-2,3.2099999999999997E-2,3.2199999999999999E-2,3.2300000000000002E-2,3.2399999999999998E-2,3.2500000000000001E-2,3.2599999999999997E-2,null,292,293,294,294,295,296,297,298,299,300,301]
[null,null,40,3.27E-2,3.27E-2,3.2800000000000003E-2,3.2899999999999999E-2,3.3000000000000002E-2,3.3099999999999997E-2,3.32E-2,3.3300000000000003E-2,3.3399999999999999E-2,3.3500000000000002E-2,3.3599999999999998E-2,3.3599999999999998E-2,null,303,304,305,306,307,308,309,310,311,312,313]
[null,null,41,3.3700000000000001E-2,3.3799999999999997E-2,3.39E-2,3.4000000000000002E-2,3.4099999999999998E-2,3.4200000000000001E-2,3.4299999999999997E-2,3.44E-2,3.4500000000000003E-2,3.4599999999999999E-2,3.4700000000000002E-2,3.4799999999999998E-2,null,315,316,317,318,319,320,321,322,323,324,326]
[null,null,42,3.49E-2,3.5000000000000003E-2,3.5099999999999999E-2,3.5200000000000002E-2,3.5299999999999998E-2,3.5400000000000001E-2,3.5499999999999997E-2,3.56E-2,3.5700000000000003E-2,3.5799999999999998E-2,3.5900000000000001E-2,3.5999999999999997E-2,null,328,329,330,331,332,333,334,335,336,338,339]
[null,null,43,3.61E-2,3.6200000000000003E-2,3.6299999999999999E-2,3.6400000000000002E-2,3.6499999999999998E-2,3.6600000000000001E-2,3.6700000000000003E-2,3.6799999999999999E-2,3.6900000000000002E-2,3.6999999999999998E-2,3.7100000000000001E-2,3.7199999999999997E-2,null,341,342,343,344,345,347,348,349,350,351,352]
[null,null,44,3.73E-2,3.7400000000000003E-2,3.7600000000000001E-2,3.7699999999999997E-2,3.78E-2,3.7900000000000003E-2,3.7999999999999999E-2,3.8100000000000002E-2,3.8199999999999998E-2,3.8300000000000001E-2,3.8399999999999997E-2,3.85E-2,null,355,356,357,358,360,361,362,363,364,366,367]
[null,null,45,3.8600000000000002E-2,3.8800000000000001E-2,3.8899999999999997E-2,3.9E-2,3.9100000000000003E-2,3.9199999999999999E-2,3.9300000000000002E-2,3.95E-2,3.9600000000000003E-2,3.9699999999999999E-2,3.9800000000000002E-2,3.9899999999999998E-2,null,369,371,372,373,374,376,377,378,380,381,382]
[null,null,46,0.04,4.02E-2,4.0300000000000002E-2,4.0399999999999998E-2,4.0500000000000001E-2,4.0599999999999997E-2,4.0800000000000003E-2,4.0899999999999999E-2,4.1000000000000002E-2,4.1099999999999998E-2,4.1200000000000001E-2,4.1399999999999999E-2,null,385,386,387,389,390,391,393,394,395,397,398]
[null,null,47,4.1500000000000002E-2,4.1599999999999998E-2,4.1700000000000001E-2,4.19E-2,4.2000000000000003E-2,4.2099999999999999E-2,4.2299999999999997E-2,4.24E-2,4.2500000000000003E-2,4.2599999999999999E-2,4.2799999999999998E-2,4.2900000000000001E-2,null,401,402,404,405,407,408,409,411,412,414,415]
[null,null,48,4.2999999999999997E-2,4.3200000000000002E-2,4.3299999999999998E-2,4.3400000000000001E-2,4.36E-2,4.3700000000000003E-2,4.3799999999999999E-2,4.3999999999999997E-2,4.41E-2,4.4200000000000003E-2,4.4400000000000002E-2,4.4499999999999998E-2,null,418,419,421,422,424,425,427,428,430,431,433]
[null,null,49,4.4600000000000001E-2,4.48E-2,4.4900000000000002E-2,4.5100000000000001E-2,4.5199999999999997E-2,4.53E-2,4.5499999999999999E-2,4.5600000000000002E-2,4.58E-2,4.5900000000000003E-2,4.6100000000000002E-2,4.6199999999999998E-2,null,436,437,439,441,442,444,445,447,448,450,452]
[null,null,50,4.6300000000000001E-2,4.65E-2,4.6600000000000003E-2,4.6800000000000001E-2,4.6899999999999997E-2,4.7100000000000003E-2,4.7199999999999999E-2,4.7399999999999998E-2,4.7500000000000001E-2,4.7699999999999999E-2,4.7800000000000002E-2,4.8000000000000001E-2,null,455,457,458,460,461,463,465,466,468,470,471]
[null,null,51,4.8099999999999997E-2,4.8300000000000003E-2,4.8500000000000001E-2,4.8599999999999997E-2,4.8800000000000003E-2,4.8899999999999999E-2,4.9099999999999998E-2,4.9299999999999997E-2,4.9399999999999999E-2,4.9599999999999998E-2,4.9700000000000001E-2,4.99E-2,null,475,477,478,480,482,484,485,487,489,491,492]
[null,null,52,5.0099999999999999E-2,5.0200000000000002E-2,5.04E-2,5.0599999999999999E-2,5.0700000000000002E-2,5.0900000000000001E-2,5.11E-2,5.1200000000000002E-2,5.1400000000000001E-2,5.16E-2,5.1700000000000003E-2,5.1900000000000002E-2,null,496,498,500,502,504,505,507,509,511,513,515]
[null,null,53,5.21E-2,5.2299999999999999E-2,5.2400000000000002E-2,5.2600000000000001E-2,5.28E-2,5.2999999999999999E-2,5.3100000000000001E-2,5.33E-2,5.3499999999999999E-2,5.3699999999999998E-2,5.3900000000000003E-2,5.3999999999999999E-2,null,519,521,522,524,526,528,530,532,534,536,538]
[null,null,54,5.4199999999999998E-2,5.4399999999999997E-2,5.4600000000000003E-2,5.4800000000000001E-2,5.5E-2,5.5199999999999999E-2,5.5399999999999998E-2,5.5500000000000001E-2,5.57E-2,5.5899999999999998E-2,5.6099999999999997E-2,5.6300000000000003E-2,null,542,544,547,549,551,553,555,557,559,561,563]
[null,null,55,5.6500000000000002E-2,5.67E-2,5.6899999999999999E-2,5.7099999999999998E-2,5.7299999999999997E-2,5.7500000000000002E-2,5.7700000000000001E-2,5.79E-2,5.8099999999999999E-2,5.8299999999999998E-2,5.8500000000000003E-2,5.8700000000000002E-2,null,568,570,572,574,576,579,581,583,585,588,590]
[null,null,56,5.8900000000000001E-2,5.91E-2,5.9299999999999999E-2,5.96E-2,5.9799999999999999E-2,0.06,6.0199999999999997E-2,6.0400000000000002E-2,6.0600000000000001E-2,6.0900000000000003E-2,6.1100000000000002E-2,6.13E-2,null,594,597,599,602,604,606,609,611,613,616,618]
[null,null,57,6.1499999999999999E-2,6.1699999999999998E-2,6.2E-2,6.2199999999999998E-2,6.2399999999999997E-2,6.2700000000000006E-2,6.2899999999999998E-2,6.3100000000000003E-2,6.3299999999999995E-2,6.3600000000000004E-2,6.3799999999999996E-2,6.4000000000000001E-2,null,623,626,628,631,633,636,638,641,643,646,648]
[null,null,58,6.4299999999999996E-2,6.4500000000000002E-2,6.4799999999999996E-2,6.5000000000000002E-2,6.5199999999999994E-2,6.5500000000000003E-2,6.5699999999999995E-2,6.6000000000000003E-2,6.6199999999999995E-2,6.6500000000000004E-2,6.6699999999999995E-2,6.7000000000000004E-2,null,563,656,659,661,664,667,669,672,675,678,680]
[null,null,59,6.7199999999999996E-2,6.7500000000000004E-2,6.7699999999999996E-2,6.8000000000000005E-2,6.83E-2,6.8500000000000005E-2,6.88E-2,6.9099999999999995E-2,6.93E-2,6.9599999999999995E-2,6.9800000000000001E-2,7.0099999999999996E-2,null,686,689,692,694,697,700,703,706,709,712,715]
[null,null,60,7.0300000000000001E-2,7.0499999999999993E-2,7.0699999999999999E-2,7.0900000000000005E-2,7.1099999999999997E-2,7.1300000000000002E-2,7.1400000000000005E-2,7.1599999999999997E-2,7.1800000000000003E-2,7.1999999999999995E-2,7.22E-2,7.2400000000000006E-2,null,719,720,722,724,725,727,729,731,732,734,736]
[null,null,61,7.2599999999999998E-2,7.2800000000000004E-2,7.2999999999999995E-2,7.3200000000000001E-2,7.3400000000000007E-2,7.3599999999999999E-2,7.3800000000000004E-2,7.3999999999999996E-2,7.4200000000000002E-2,7.4399999999999994E-2,7.46E-2,7.4800000000000005E-2,null,739,741,743,745,746,748,750,752,754,756,757]
[null,null,62,7.4999999999999997E-2,7.5200000000000003E-2,7.5399999999999995E-2,7.5600000000000001E-2,7.5800000000000006E-2,7.6100000000000001E-2,7.6300000000000007E-2,7.6499999999999999E-2,7.6700000000000004E-2,7.6899999999999996E-2,7.7100000000000002E-2,7.7399999999999997E-2,null,761,763,765,767,769,771,773,775,777,779,781]
[null,null,63,7.7600000000000002E-2,7.7799999999999994E-2,7.8100000000000003E-2,7.8299999999999995E-2,7.85E-2,7.8799999999999995E-2,7.9000000000000001E-2,7.9200000000000007E-2,7.9500000000000001E-2,7.9699999999999993E-2,7.9899999999999999E-2,8.0199999999999994E-2,null,785,787,789,791,793,795,797,799,801,803,806]
[null,null,64,8.0399999999999999E-2,8.0699999999999994E-2,8.09E-2,8.1199999999999994E-2,8.14E-2,8.1699999999999995E-2,8.1900000000000001E-2,8.2199999999999995E-2,8.2400000000000001E-2,8.2699999999999996E-2,8.3000000000000004E-2,8.3199999999999996E-2,null,810,812,814,817,819,821,823,826,828,830,832]
[null,null,65,8.3299999999999999E-2]
[null,null,"Notes:"]
[null,null,"1) These factors are to be used to determine the earned portion for abatement purposes"]
[null,null,"2) The relevant mandatory lump sum adjustment factor should be multiplied by the member’s mandatory lump sum"]
[null,null,"3) The relevant early retirement factor should be multiplied by the member’s accrued pension"]
[null,null,"4) Reduced pension is obtained by subtracting the amount calculated in (2) from (3) (see formulae)"]
[null,null,"5) Reduced pension to be calculated before commutation for mandatory (and any further optional) lump sum"]
[null,null,"6) Applicable for 2008 section choice optants"]
[]
[]
[null,null,"Table AB1",null,"NHSPS 2015 (E&W): ACTUARIAL FACTORS",null,null,null,null,"Please note this table is the same as ERF1 currently"]
[null,null,null,null,"FACTORS FOR USE IN ABATEMENT CASES"]
[]
[null,null,"Time to NPA: Months",0,1,2,3,4,5,6,7,8,9,10,11]
[null,null,"PENSION FACTORS"]
[null,null,"Years"]
[null,null,0,1,0.995,0.99099999999999999,0.98599999999999999,0.98199999999999998,0.97699999999999998,0.97299999999999998,0.96799999999999997,0.96399999999999997,0.95899999999999996,0.95499999999999996,0.95]
[null,null,1,0.94599999999999995,0.94199999999999995,0.93799999999999994,0.93300000000000005,0.92900000000000005,0.92500000000000004,0.92100000000000004,0.91700000000000004,0.91300000000000003,0.90900000000000003,0.90400000000000003,0.9]
[null,null,2,0.89600000000000002,0.89200000000000002,0.88900000000000001,0.88500000000000001,0.88100000000000001,0.877,0.873,0.86899999999999999,0.86599999999999999,0.86199999999999999,0.85799999999999998,0.85399999999999998]
[null,null,3,0.85,0.84699999999999998,0.84299999999999997,0.84,0.83599999999999997,0.83299999999999996,0.82899999999999996,0.82599999999999996,0.82199999999999995,0.81899999999999995,0.81499999999999995,0.81200000000000006]
[null,null,4,0.80800000000000005,0.80500000000000005,0.80200000000000005,0.79900000000000004,0.79500000000000004,0.79200000000000004,0.78900000000000003,0.78600000000000003,0.78200000000000003,0.77900000000000003,0.77600000000000002,0.77300000000000002]
[null,null,5,0.76900000000000002,0.76600000000000001,0.76300000000000001,0.76,0.75700000000000001,0.754,0.751,0.748,0.745,0.74199999999999999,0.73899999999999999,0.73599999999999999]
[null,null,6,0.73299999999999998,0.73,0.72799999999999998,0.72499999999999998,0.72199999999999998,0.71899999999999997,0.71599999999999997,0.71399999999999997,0.71099999999999997,0.70799999999999996,0.70499999999999996,0.70199999999999996]
[null,null,7,0.7,0.69699999999999995,0.69399999999999995,0.69199999999999995,0.68899999999999995,0.68700000000000006,0.68400000000000005,0.68100000000000005,0.67900000000000005,0.67600000000000005,0.67400000000000004,0.67100000000000004]
[null,null,8,0.66800000000000004,0.66600000000000004,0.66400000000000003,0.66100000000000003,0.65900000000000003,0.65600000000000003,0.65400000000000003,0.65100000000000002,0.64900000000000002,0.64700000000000002,0.64400000000000002,0.64200000000000002]
[null,null,9,0.63900000000000001,0.63700000000000001,0.63500000000000001,0.63300000000000001,0.63,0.628,0.626,0.623,0.621,0.61899999999999999,0.61699999999999999,0.61399999999999999]
[null,null,10,0.61199999999999999,0.61,0.60799999999999998,0.60599999999999998,0.60399999999999998,0.60099999999999998,0.59899999999999998,0.59699999999999998,0.59499999999999997,0.59299999999999997,0.59099999999999997,0.58899999999999997]
[null,null,11,0.58699999999999997,0.58499999999999996,0.58299999999999996,0.58099999999999996,0.57899999999999996,0.57699999999999996,0.57499999999999996,0.57299999999999995,0.57099999999999995,0.56899999999999995,0.56699999999999995,0.56499999999999995]
[null,null,12,0.56299999999999994,0.56100000000000005,0.55900000000000005,0.55700000000000005,0.55500000000000005,0.55300000000000005,0.55100000000000005,0.55000000000000004,0.54800000000000004,0.54600000000000004,0.54400000000000004,0.54200000000000004]
[null,null,13,0.54,0.53800000000000003,0.53700000000000003,0.53500000000000003,0.53300000000000003,0.53100000000000003,0.53,0.52800000000000002,0.52600000000000002,0.52400000000000002,0.52300000000000002,0.52100000000000002]
[null,null,14,0.51900000000000002,0.51700000000000002,0.51600000000000001,0.51400000000000001,0.51200000000000001,0.51100000000000001,0.50900000000000001,0.50700000000000001,0.50600000000000001,0.504,0.502,0.501]
[null,null,15,0.499,0.498,0.496,0.49399999999999999,0.49299999999999999,0.49099999999999999,0.49,0.48799999999999999,0.48699999999999999,0.48499999999999999,0.48299999999999998,0.48199999999999998]
[null,null,16,0.48,0.47899999999999998,0.47699999999999998,0.47599999999999998,0.47399999999999998,0.47299999999999998,0.47099999999999997,0.47,0.46800000000000003,0.46700000000000003,0.46600000000000003,0.46400000000000002]
[null,null,17,0.46300000000000002,0.46100000000000002,0.46,0.45800000000000002,0.45700000000000002,0.45600000000000002,0.45400000000000001,0.45300000000000001,0.45100000000000001,0.45,0.44900000000000001,0.44700000000000001]
[null,null,18,0.44600000000000001,0.44400000000000001,0.443,0.442,0.44,0.439,0.438,0.436,0.435,0.434,0.432,0.43099999999999999]
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