Judges’ Pensions Order 2013
I, Penelope Ying Yen Wong, Minister for Finance and Deregulation, make the following order under the Judges’ Pensions Act 1968.
Dated: 12 March 2013
Penelope Ying Yen Wong
Minister for Finance and Deregulation
Contents
Part 1—Preliminary 1
1............ Name of order............................................................................................................... 1
2............ Commencement............................................................................................................. 1
3............ Authority....................................................................................................................... 1
4............ Definitions..................................................................................................................... 1
Part 2—Scheme value and pension rates 2
5............ Scheme value—member spouse with no surcharge debt............................................... 2
6............ Scheme value—member spouse with surcharge debt.................................................... 2
7............ Associate immediate pension for non‑member spouse.................................................. 2
8............ Associate deferred pension............................................................................................ 3
9............ Associate deferred pension—death of non‑member spouse.......................................... 6
10.......... Operative time during growth phase—reduction of associate deferred pension............ 6
11.......... Operative time during payment phase—reduction of standard pension......................... 9
Schedule 1—Methods and factors 14
Part 1—Methods 14
Division 1.1—Interpretation 14
1............ Definitions................................................................................................................... 14
Division 1.2—Interests in the growth phase 15
2............ Methods and factors for interests of members in the scheme...................................... 15
Division 1.3—Interests in the payment phase 19
3............ Methods and factors for interests of members in the scheme...................................... 19
Division 1.4—Factors 20
Part 2—Factors 38
Part 1—Preliminary
1 Name of order
This order is the Judges’ Pensions Order 2013.
2 Commencement
This order commences on 15 March 2013.
3 Authority
This order is made under the Judges’ Pensions Act 1968.
4 Definitions
In this order:
Act means the Judges’ Pensions Act 1968.
Federal Court Judge’s salary means the annual salary of a Judge of the Federal Court of Australia, other than the Chief Justice.
Table 1 means Table 1 of Part 2 of Schedule 1.
Table 2 means Table 2 of Part 2 of Schedule 1.
Table 3 means Table 3 of Part 2 of Schedule 1.
Treasury bond rate means:
(a) if any Treasury bonds with a 10 year term were issued on the last working day of the financial year ending immediately before the period for which the increase is being calculated—the annual yield on those bonds; or
(b) in any other case—the annual yield on Treasury bonds with a 10 year term, as published by the Reserve Bank of Australia for that day.
Note: For the definitions of the following terms, see subsection 4(1) of the Act:
(a) associate deferred pension;
(b) associate immediate pension;
(c) member spouse;
(d) operative time;
(e) original interest;
(f) retirement pension;
(g) standard pension;
(h) transfer amount.
Part 2—Scheme value and pension rates
5 Scheme value—member spouse with no surcharge debt
(1) This section applies if the most recent member information statement provided to a member spouse before the operative time did not show a debit in the member spouse’s surcharge debt account.
(2) For the definition of scheme value in subsection 4(1) of the Act, the scheme value in relation to the member spouse is determined using the methods and factors set out in Schedule 1 as in force immediately before the operative time.
6 Scheme value—member spouse with surcharge debt
(1) This section applies if the most recent member information statement (the statement) provided to a member spouse before the operative time showed a debit in the member spouse’s surcharge debt account.
(2) For the definition of scheme value in subsection 4(1) of the Act, the scheme value in relation to the member spouse is determined using the methods and factors set out in Schedule 1 as in force immediately before the operative time.
(3) However, if:
(a) it is necessary to calculate the scheme value for the purpose of the definition of transfer amount in subsection 4(1) of the Act; and
(b) the operative time is on or after the day on which this subsection commences; and
(c) the Secretary of the Department has received a splitting agreement or splitting order in respect of the original interest;
the scheme value is the value identified under subsection (2), reduced by the amount of the member spouse’s surcharge debt shown in the statement.
7 Associate immediate pension for non‑member spouse
For subsection 17AA(2) of the Act, the rate is calculated as follows:
Method statement
Step 1. Identify the transfer amount that was payable at the operative time.
Step 2. Calculate an amount using the formula:
where:
Fy is the number in Table 1 that applies to the non‑member spouse’s gender, and age in whole years, at the operative time.
Fy+1is the number in Table 1 that would apply to the non‑member spouse if the non‑member spouse’s age in whole years was one year more than it was at the operative time.
m is the number of whole months of the non‑member spouse’s age that are not included in the non‑member spouse’s age in whole years at the operative time.
Step 3. Divide the transfer amount identified in step 1 by the amount calculated in step 2.
Step 4. Divide the amount calculated in step 3 by the Federal Court Judge’s salary at the operative time.
Round the result to 4 decimal places (rounding up if the fifth decimal place is 5 or more).
Step 5. Multiply the amount calculated in step 4 by the Federal Court Judge’s salary.
8 Associate deferred pension
For subsection 17AB(1) of the Act, the annual rate is calculated as follows:
Method statement
Step 1. Identify the transfer amount that was payable at the operative time.
Step 2A. Add the amount identified in step 1 to the increases in the transfer amount calculated in steps 2B, 2C and 2D.
Step 2B. First period
Identify the shorter of:
(a) the period between the operative time and the end of the financial year in which the operative time occurs; and
(b) the period between the operative time and when the associate deferred pension becomes payable.
This is the first period.
Calculate the increase in the transfer amount for the first period using the formula:
where:
amount is the amount identified in step 1.
rate is the Treasury bond rate for the financial year in which the first period occurs.
time is the number of days in the first period.
Round the result to 2 decimal places (rounding up if the third decimal place is 5 or more).
Step 2C. Second period (if any)
Use this step if one or more full financial years occurs immediately after the end of the first period and before the associate deferred pension becomes payable.
This is the second period.
Calculate the increase in the transfer amount for each full financial year of the second period using the formula:
where:
increased amount is the amount identified in step 1, added to:
(a) the increase in the transfer amount calculated in step 2B; and
(b) any increases in the transfer amount calculated under this step for earlier financial years in the second period.
rate is the Treasury bond rate for the financial year for which the calculation is being made.
Round the amount to 2 decimal places (rounding up if the third decimal place is 5 or more).
Step 2D. Final period (if any)
Use this step if:
(a) there is any period between the end of a financial year and when the associate deferred pension becomes payable; and
(b) neither step 2B nor step 2C covers that period.
This is the final period.
Calculate the increase in the transfer amount for the final period using the formula:
where:
increased amount is the amount identified in step 1, added to:
(a) the increase in the transfer amount calculated in step 2B; and
(b) the increases in the transfer amount calculated in step 2C for each financial year in the second period.
rate is the Treasury bond rate for the financial year in which the final period occurs.
time is the number of days in the final period.
Round the result to 2 decimal places (rounding up if the third decimal place is 5 or more).
Step 3. Calculate an amount using the formula:
where:
Fy is the number in Table 1 that applies to the non‑member spouse’s gender, and age in whole years, when the associate deferred pension becomes payable.
Fy+1is the number in Table 1 that would apply to the non‑member spouse if the non‑member spouse’s age in whole years was one year more than it was when the associate deferred pension becomes payable.
m is the number of whole months of the non‑member spouse’s age that are not included in the non‑member spouse’s age in whole years when the associate deferred pension becomes payable.
Step 4. Divide the amount calculated in step 2A by the amount calculated in step 3.
Step 5. Divide the amount calculated in step 4 by the Federal Court Judge’s salary when the associate deferred pension becomes payable.
Round the result to 4 decimal places (rounding up if the fifth decimal place is 5 or more).
Step 6. Multiply the amount calculated in step 5 by the Federal Court Judge’s salary
9 Associate deferred pension—death of non‑member spouse
(1) This section is made for subsection 17AB(6) of the Act.
(2) The amount payable is the transfer amount that was payable at the date of death:
(a) reduced by any payment split before the date of death; and
(b) increased in the way described in step 2A in section 8 as if an associate deferred pension had become payable at the date of death.
10 Operative time during growth phase—reduction of associate deferred pension
For section 17AG of the Act, the annual rate of the associate deferred pension (when it becomes payable) is reduced to the amount calculated as follows:
Method statement
Step 1. Identify the transfer amount that was payable at the operative time.
Step 2A. Add the amount identified in step 1 to the increases in the transfer amount calculated in steps 2B, 2C and 2D.
Step 2B. First period
Identify the shorter of:
(a) the period between the operative time and the end of the financial year in which the operative time occurs; and
(b) the period between the operative time and when the associate deferred pension becomes payable.
This is the first period.
Calculate the increase in the transfer amount for the first period using the formula:
where:
amount is the amount identified in step 1.
rate is the Treasury bond rate for the financial year in which the first period occurs.
time is the number of days in the first period.
Round the result to 2 decimal places (rounding up if the third decimal place is 5 or more).
Step 2C. Second period (if any)
Use this step if one or more full financial years occurs immediately after the end of the first period and before the associate deferred pension becomes payable.
This is the second period.
Calculate the increase in the transfer amount for each full financial year of the second period using the formula:
where:
increased amount is the amount identified in step 1, added to:
(a) the increase in the transfer amount calculated in step 2B; and
(b) any increases in the transfer amount calculated under this step for earlier financial years in the second period.
rate is the Treasury bond rate for the financial year for which the calculation is being made.
Round the amount to 2 decimal places (rounding up if the third decimal place is 5 or more).
Step 2D. Final period (if any)
Use this step if:
(a) there is any period between the end of a financial year and when the associate deferred pension becomes payable; and
(b) neither step 2B nor step 2C covers that period.
This is the final period.
Calculate the increase in the transfer amount for the final period using the formula:
where:
increased amount is the amount identified in step 1, added to:
(a) the increase in the transfer amount calculated in step 2B; and
(b) the increases in the transfer amount calculated in step 2C for each financial year in the second period.
rate is the Treasury bond rate for the financial year in which the final period occurs.
time is the number of days in the final period.
Round the result to 2 decimal places (rounding up if the third decimal place is 5 or more).
Step 3. Identify the associate deferred pension, as calculated under subsection 17AB(1) of the Act on the date of payment, disregarding the payment split.
Step 4. Calculate an amount using the formula:
where:
Fy is the number in Table 1 that applies to the member spouse’s gender, and age in whole years, when the associate deferred pension becomes payable.
m is the number of whole months of the member spouse’s age that are not included in the member spouse’s age in whole years when the associate deferred pension becomes payable.
Fy+1is the number in Table 1 that would apply to the member spouse if the member spouse’s age in whole years was one year more than it is when the associate deferred pension becomes payable.
Step 5. Multiply the amount identified in step 3 by the amount calculated in step 4 (ensuring the amount identified in step 3 takes account of any previous payment split).
Step 6. Reduce the amount calculated in step 5 by the amount calculated in step 2A.
Step 7. Divide the amount calculated in step 6 by the amount calculated in step 4.
Step 8. Divide the amount calculated in step 7 by the Federal Court Judge’s salary when the associate deferred pension becomes payable.
Round the result to 4 decimal places (rounding up if the fifth decimal place is 5 or more).
Step 9. Multiply the amount calculated in step 8 by the Federal Court Judge’s salary.
11 Operative time during payment phase—reduction of standard pension
(1) For subsection 17AH(2) of the Act, the annual rate of a standard pension is reduced to the amount calculated as follows:
Method statement
Step 1. Identify the annual rate of the associate immediate pension or immediate transitional pension that was payable at the operative time.
Step 2. Calculate an amount using the formula:
where:
Fy is the number in Table 1 that applies to the member spouse’s gender, and age in whole years, at the operative time.
Fy+1is the number in Table 1 that would apply to the member spouse if the member spouse’s age in whole years was one year more than it was at the operative time.
m is the number of whole months of the member spouse’s age that are not included in the member spouse’s age in whole years at the operative time.
Step 3. Multiply the amount identified in step 1 by the amount calculated in step 2.
Step 4. Subtract the transfer amount from the amount calculated in step 3.
Step 5. Divide the amount calculated in step 4 by the amount calculated in step 2.
Step 6. Divide the amount calculated in step 5 by the Federal Court Judge’s salary at the operative time.
Round the result to 4 decimal places (rounding up if the fifth decimal place is 5 or more).
Step 7. Multiply the amount calculated in step 6 by the Federal Court Judge’s salary.
(2) For subsection 17AH(2) of the Act, the annual rate of an associate deferred pension is reduced to the amount calculated as follows:
Method statement
Step 1. Identify the annual rate of the associate deferred pension that was payable at the operative time.
Step 2. Calculate an amount using the formula:
where:
Fy is the number in Table 1 that applies to the member spouse’s gender, and age in whole years, at the operative time.
Fy+1is the number in Table 1 that would apply to the member spouse if the member spouse’s age in whole years was one year more than it was at the operative time.
m is the number of whole months of the member spouse’s age that are not included in the member spouse’s age in whole years at the operative time.
Step 3. Multiply the amount identified in step 1 by the amount calculated in step 2.
Step 4. Subtract the transfer amount from the amount calculated in step 3.
Step 5. Divide the amount calculated in step 4 by the amount calculated in step 2.
Step 6. Divide the amount calculated in step 5 by the Federal Court Judge’s salary at the operative time.
Round the result to 4 decimal places (rounding up if the fifth decimal place is 5 or more).
Step 7. Multiply the amount calculated in step 6 by the Federal Court Judge’s salary.
(3) For subsection 17AH(3) of the Act, the annual rate of a retirement pension is reduced to the amount calculated as follows:
Method statement
Step 1. Identify the annual rate of the retirement pension that was payable at the operative time.
Step 2. Calculate an amount using the formula:
where:
Fy is:
(a) if the pension is not payable on permanent incapacity—the number in Table 2 that applies to the member spouse’s gender, and age in whole years, at the operative time; and
(b) if the pension is payable on permanent incapacity—the number in Table 3 that applies to the member spouse’s gender, and age in whole years, at the operative time.
Fy+1is:
(a) if the pension is not payable on permanent incapacity—the number in Table 2 that would apply to the member spouse if the member spouse’s age in whole years was one year more than it was at the operative time; and
(b) if the pension is payable on permanent incapacity—the number in Table 3 that would apply to the member spouse if the member spouse’s age in whole years was one year more than it was at the operative time.
m is the number of whole months of the member spouse’s age that are not included in the member spouse’s age in whole years at the operative time.
Step 3. Multiply the amount identified in step 1 by the amount calculated in step 2.
Step 4. Subtract the transfer amount from the amount calculated in step 3.
Step 5. Divide the amount calculated in step 4 by the amount calculated in step 2.
Step 6. Divide the amount calculated in step 5 by the annual rate of the applicable judicial salary at the operative time.
Round the result to 4 decimal places (rounding up if the fifth decimal place is 5 or more).
Step 7. Multiply the amount calculated in step 6 by the applicable judicial salary.
(4) For subsection 17AH(2) of the Act, the annual rate of a spouse pension is reduced to the amount calculated as follows:
Method statement
Step 1. Identify the annual rate of the spouse pension that was payable at the operative time.
Step 2. Calculate an amount using the formula:
where:
Fy is the number in Table 1 that applies to the member spouse’s gender, and age in whole years, at the operative time.
Fy+1is the number in Table 1 that would apply to the member spouse if the member spouse’s age in whole years was one year more than it was at the operative time.
m is the number of whole months of the member spouse’s age that are not included in the member spouse’s age in whole years at the operative time.
Step 3. Multiply the amount identified in step 1 by the amount calculated in step 2.
Step 4. Subtract the transfer amount from the amount calculated in step 3.
Step 5. Divide the amount calculated in step 4 by the amount calculated in step 2.
Step 6. Divide the amount calculated in step 5 by the annual rate of the applicable judicial salary at the operative time.
Round the result to 4 decimal places (rounding up if the fifth decimal place is 5 or more).
Step 7. Multiply the amount calculated in step 6 by the applicable judicial salary.
Schedule 1—Methods and factors
Note: See sections 5 and 6.
Part 1—Methods
Division 1.1—Interpretation
1 Definitions
In this Part:
scheme means the scheme constituted by the Act.
Division 1.2—Interests in the growth phase
2 Methods and factors for interests of members in the scheme
For an interest that is in the growth phase in the scheme mentioned in an item in the following table, the method or factor mentioned in the item is approved for sections 5 and 6.
Item
Interest in the growth phase
Method or factor
1
An interest that a person has in the scheme, being a person who:
(a) is a Judge; and
(b) is to cease to hold office as a Judge when he or she reaches a particular age; and
(c) will, by the time he or she reaches that age, have served as a Judge for at least 6 years.
(a) The approved method is:
where:
APF has the same meaning as in the Act.
F has the meaning given by paragraph (b).
LS is the benefit that would have been payable under section 12A of the Act, after taking into account any reduction under section 17AF, if the person had died on the relevant date and no spouse or orphan pension had been payable.
LSF has the meaning given by paragraph (c).
RAPF is the component (APF × Transfer factor) in the formula in subsection 17AD(5) of the Act, as modified under section 17AE of that Act if applicable.
S is the annual salary payable to the person as a Judge at the relevant date.
(b) For paragraph (a), F is determined in accordance with the following formula:
where:
Fy,a is the valuation factor mentioned in whichever of Tables 1A to 1D is applicable that applies to the person having regard to the person’s gender, compulsory retirement age, age in completed years at the relevant date and the age in completed years at which the person can first retire with a pension.
Fy+1,a is the valuation factor mentioned in whichever of Tables 1A to 1D is applicable that would apply if the person’s age in completed years at the relevant date were 1 year more than it is.
Fy,a+1 is the valuation factor mentioned in whichever of Tables 1A to 1D is applicable that would apply if the age in completed years at which the person can first retire with a pension were 1 year more than it is.
Fy+1,a+1 is the valuation factor mentioned in whichever of Tables 1A to 1D is applicable that would apply if, at the relevant date, both the person’s age in completed years and the age in completed years at which the person can first retire were 1 year more than they are.
m is the number of complete months of the person’s age, at the relevant date, that are not included in the completed years of age.
ma is the number of complete months of the age at which the person can first retire with a pension that are not included in the age in completed years.
(c) For paragraph (a), LSF is determined in accordance with the following formula:
where:
LSFy,a is the lump sum valuation factor mentioned in whichever of Tables 2A to 2D is applicable that applies to the person having regard to the person’s gender, compulsory retirement age, age in completed years at the relevant date and the age in completed years at which the person can first retire with a pension.
LSFy+1,a is the lump sum valuation factor mentioned in whichever of Tables 2A to 2D is applicable that would apply if the person’s age in completed years at the relevant date were 1 year more than it is.
LSFy,a+1 is the lump sum valuation factor mentioned in whichever of Tables 2A to 2D is applicable that would apply if the age in completed years at which the person can first retire with a pension were 1 year more than it is.
LSFy+1,a+1 is the lump sum valuation factor mentioned in whichever of Tables 2A to 2D is applicable that would apply if, at the relevant date, both the person’s age in completed years and the age in completed years at which the person can first retire were 1 year more than they are.
m is the number of complete months of the person’s age, at the relevant date, that are not included in the completed years of age.
ma is the number of complete months of the age at which the person can first retire with a pension that are not included in the age in completed years.
2
An interest that a person has in the scheme, being a person who:
(a) is a Judge; and
(b) is to cease to hold office as a Judge upon his or her attaining a particular age; and
(c) will, by the time he or she attains that age, have served as a Judge for less than 6 years.
The benefit that would have been payable under section 12A of the Act, after taking into account any reduction under section 17AF, if the person had died on the relevant date and no spouse or orphan pension had been payable.
3
An interest that a person has in the scheme, being a person who:
(a) is a Judge; and
(b) is not to cease to hold office as a Judge upon his or her attaining a particular age.
where:
HP is the annual rate of pension that would be payable to the person if the person retired on the relevant date.
m is the number of complete months of the person’s age, at the relevant date, that are not included in the completed years of age.
PFy is the pension valuation factor mentioned in Table 3 in relation to an age pension for the person’s gender and age in completed years at the relevant date.
PFy+1 is the pension valuation factor mentioned in Table 3 in relation to an age pension that would apply if the person’s age in completed years at the relevant date were 1 year more than it is.
4
An interest that a person has as a result of an entitlement to an associate deferred pension (not yet payable) in accordance with section 17AB of the Act.
where:
ATA is the amount calculated under step 2A of section 8 of the Judges’ Pensions Order 2013, but with the reference to the time when the associate deferred pension becomes payable taken to be a reference to the relevant date.
m is the number of complete months of the person’s age, at the relevant date, that are not included in the completed years of age.
PFy is the pension valuation factor mentioned in Table 3 in relation to a spouse pension for the person’s gender and age in completed years at the relevant date.
PFy+1 is the pension valuation factor mentioned in Table 3 in relation to a spouse pension that would apply if the person’s age in completed years at the relevant date were 1 year more than it is.
SVPFy is the scheme value pension factor mentioned in Table 4 for the person’s gender and age in completed years at the relevant date.
SVPFy+1 is the scheme value pension factor mentioned in Table 4 that would apply if the person’s age in completed years at the relevant date were 1 year more than it is.
Division 1.3—Interests in the payment phase
3 Methods and factors for interests of members in the scheme
For an interest that is in the payment phase in the scheme mentioned in an item in the following table, the method or factor mentioned in the item is approved for sections 5 and 6.
Item
Interest in the payment phase
Method or factor
1
An interest that a person has in the scheme as a result of being paid a pension under the Act.
where:
AP is the annual rate of pension payable to the person at the relevant date.
m is the number of complete months of the person’s age, at the relevant date, that are not included in the completed years of age.
PFy is the pension valuation factor mentioned in Table 3 for the person’s pension type, gender and age in completed years at the relevant date.
PFy+1 is the pension valuation factor mentioned in Table 3 that would apply if the person’s age in completed years at the relevant date were 1 year more than it is.
Division 1.4—Factors
Table 1A Valuation factors for serving judges (F)—males with compulsory retiring age of 65
Age at which eligible to retire with pension
Age
60
61
62
63
64
65
30 or younger
12.0745
31
12.2701
32
12.4683
33
12.6692
34
12.8723
35
13.0777
36
13.2853
37
13.4953
38
13.7075
39
13.9231
40
14.1421
41
14.3070
42
14.4731
43
14.6407
44
14.8090
45
14.9781
46
15.1480
47
15.3192
48
15.4919
49
15.6662
50
15.8426
15.4126
51
15.8848
15.4457
15.2070
52
15.9252
15.4768
15.2330
15.0481
53
15.9639
15.5059
15.2569
15.0680
14.9433
54
16.0015
15.5337
15.2793
15.0863
14.9589
14.9015
55
16.0384
15.5604
15.3005
15.1034
14.9731
14.9144
56
16.2950
15.8066
15.5410
15.3396
15.2065
15.1465
57
16.5577
16.0583
15.7869
15.5809
15.4449
15.3835
58
16.8266
16.3156
16.0378
15.8271
15.6878
15.6250
59
17.1037
16.5802
16.2957
16.0799
15.9373
15.8730
60
17.3907
16.8542
16.5626
16.3414
16.1953
16.1293
61
17.1390
17.1390
16.8401
16.6133
16.4634
16.3958
62
17.1291
17.1291
17.1291
16.8965
16.7427
16.6733
63
17.1920
17.1920
17.1920
17.1920
17.0342
16.9629
64
17.3387
17.3387
17.3387
17.3387
17.3387
17.2655
65
17.5819
17.5819
17.5819
17.5819
17.5819
17.5819
Table 1B Valuation factors for serving judges (F)—females with compulsory retiring age of 65
Age at which eligible to retire with pension
Age
60
61
62
63
64
65
30 or younger
12.1306
31
12.3300
32
12.5316
33
12.7355
34
12.9416
35
13.1504
36
13.3616
37
13.5755
38
13.7923
39
14.0115
40
14.2332
41
14.4186
42
14.6053
43
14.7933
44
14.9834
45
15.1757
46
15.3704
47
15.5679
48
15.7685
49
15.9716
50
16.1775
15.7446
51
16.3864
15.9442
15.7035
52
16.5991
16.1473
15.9015
15.7147
53
16.8157
16.3541
16.1029
15.9121
15.7862
54
17.0372
16.5653
16.3085
16.1135
15.9847
15.9273
55
17.2645
16.7819
16.5192
16.3197
16.1880
16.1293
56
17.5452
17.0514
16.7826
16.5785
16.4438
16.3836
57
17.8353
17.3297
17.0545
16.8455
16.7076
16.6460
58
18.1362
17.6181
17.3361
17.1220
16.9807
16.9175
59
18.4475
17.9163
17.6273
17.4078
17.2629
17.1981
60
18.7701
18.2253
17.9289
17.7038
17.5551
17.4887
61
18.5459
18.5459
18.2417
18.0107
17.8582
17.7899
62
18.5678
18.5678
18.5678
18.3307
18.1741
18.1040
63
18.6649
18.6649
18.6649
18.6649
18.5040
18.4320
64
18.8495
18.8495
18.8495
18.8495
18.8495
18.7755
65
19.1362
19.1362
19.1362
19.1362
19.1362
19.1362
Table 1C Valuation factors for serving judges (F)—males with compulsory retiring age of 70
Age at which eligible to retire with pension
Age
60
61
62
63
64
65
66
67
68
69
70
30 or younger
11.3046
31
11.4860
32
11.6698
33
11.8559
34
12.0440
35
12.2339
36
12.4258
37
12.6197
38
12.8154
39
13.0142
40
13.2161
41
13.3634
42
13.5117
43
13.6611
44
13.8108
45
13.9607
46
14.1110
47
14.2623
48
14.4144
49
14.5677
50
14.7224
14.0948
51
14.7429
14.1023
13.7144
52
14.7611
14.1073
13.7114
13.3574
53
14.7771
14.1097
13.7056
13.3443
13.0280
54
14.7915
14.1101
13.6976
13.3288
13.0061
12.7318
55
14.8045
14.1087
13.6876
13.3112
12.9818
12.7019
12.3400
56
15.0353
14.3245
13.8943
13.5098
13.1734
12.8876
12.5180
12.2138
57
15.2709
14.5443
14.1047
13.7118
13.3681
13.0760
12.6984
12.3876
12.1507
58
15.5109
14.7677
14.3179
13.9161
13.5645
13.2658
12.8797
12.5619
12.3197
12.0959
59
15.7572
14.9961
14.5357
14.1242
13.7644
13.4586
13.0634
12.7381
12.4902
12.2612
12.1522
60
16.0119
15.2321
14.7603
14.3389
13.9702
13.6570
13.2523
12.9192
12.6653
12.4308
12.3191
61
15.4773
15.4773
14.9937
14.5617
14.1839
13.8630
13.4483
13.1070
12.8469
12.6066
12.4921
62
15.2367
15.2367
15.2367
14.7938
14.4064
14.0774
13.6523
13.3025
13.0359
12.7896
12.6722
63
15.0359
15.0359
15.0359
15.0359
14.6386
14.3011
13.8652
13.5064
13.2330
12.9804
12.8600
64
14.8814
14.8814
14.8814
14.8814
14.8814
14.5352
14.0880
13.7199
13.4395
13.1804
13.0568
65
14.7806
14.7806
14.7806
14.7806
14.7806
14.7806
14.3216
13.9440
13.6562
13.3904
13.2636
66
14.5670
14.5670
14.5670
14.5670
14.5670
14.5670
14.5670
14.1793
13.8840
13.6111
13.4809
67
14.4268
14.4268
14.4268
14.4268
14.4268
14.4268
14.4268
14.4268
14.1235
13.8434
13.7097
68
14.3757
14.3757
14.3757
14.3757
14.3757
14.3757
14.3757
14.3757
14.3757
14.0880
13.9506
69
14.3457
14.3457
14.3457
14.3457
14.3457
14.3457
14.3457
14.3457
14.3457
14.3457
14.2045
70
14.4723
14.4723
14.4723
14.4723
14.4723
14.4723
14.4723
14.4723
14.4723
14.4723
14.4723
Table 1D Valuation factors for serving judges (F)—females with compulsory retiring age of 70
Age at which eligible to retire with pension
Age
60
61
62
63
64
65
66
67
68
69
70
30 or younger
11.3407
31
11.5256
32
11.7124
33
11.9012
34
12.0919
35
12.2849
36
12.4801
37
12.6776
38
12.8777
39
13.0797
40
13.2838
41
13.4508
42
13.6186
43
13.7872
44
13.9574
45
14.1295
46
14.3033
47
14.4794
48
14.6581
49
14.8386
50
15.0212
14.3842
51
15.2062
14.5557
14.1607
52
15.3941
14.7298
14.3264
13.9647
53
15.5853
14.9066
14.4945
14.1251
13.8006
54
15.7803
15.0866
14.6655
14.2879
13.9563
13.6735
55
15.9799
15.2706
14.8400
14.4539
14.1150
13.8259
13.4509
56
16.2318
15.5062
15.0658
14.6709
14.3242
14.0286
13.6452
13.3287
57
16.4916
15.7489
15.2981
14.8940
14.5392
14.2366
13.8443
13.5204
13.2731
58
16.7605
15.9996
15.5378
15.1239
14.7605
14.4507
14.0490
13.7173
13.4640
13.2299
59
17.0383
16.2585
15.7852
15.3611
14.9887
14.6713
14.2597
13.9199
13.6604
13.4206
13.3076
60
17.3259
16.5264
16.0411
15.6063
15.2246
14.8991
14.4773
14.1290
13.8630
13.6172
13.5013
61
16.8040
16.8040
16.3063
15.8602
15.4688
15.1350
14.7024
14.3454
14.0726
13.8206
13.7017
62
16.5826
16.5826
16.5826
16.1249
15.7232
15.3808
14.9370
14.5707
14.2909
14.0323
13.9103
63
16.4013
16.4013
16.4013
16.4013
15.9890
15.6375
15.1820
14.8060
14.5189
14.2535
14.1282
64
16.2669
16.2669
16.2669
16.2669
16.2669
15.9059
15.4381
15.0520
14.7571
14.4845
14.3558
65
16.1877
16.1877
16.1877
16.1877
16.1877
16.1877
15.7069
15.3101
15.0071
14.7269
14.5946
66
15.9904
15.9904
15.9904
15.9904
15.9904
15.9904
15.9904
15.5824
15.2708
14.9827
14.8465
67
15.8704
15.8704
15.8704
15.8704
15.8704
15.8704
15.8704
15.8704
15.5497
15.2532
15.1130
68
15.8462
15.8462
15.8462
15.8462
15.8462
15.8462
15.8462
15.8462
15.8462
15.5407
15.3962
69
15.8468
15.8468
15.8468
15.8468
15.8468
15.8468
15.8468
15.8468
15.8468
15.8468
15.6978
70
16.0201
16.0201
16.0201
16.0201
16.0201
16.0201
16.0201
16.0201
16.0201
16.0201
16.0201
Table 2A Lump sum valuation factors for serving judges (LSF)—males with compulsory retiring age of 65
Age at which eligible to retire with pension
Age
60
61
62
63
64
65
30 or younger
0.0126
31
0.0125
32
0.0124
33
0.0122
34
0.0121
35
0.0120
36
0.0118
37
0.0117
38
0.0115
39
0.0113
40
0.0112
41
0.0115
42
0.0118
43
0.0121
44
0.0124
45
0.0126
46
0.0128
47
0.0129
48
0.0130
49
0.0130
50
0.0129
0.0137
51
0.0136
0.0144
0.0149
52
0.0141
0.0151
0.0156
0.0160
53
0.0145
0.0155
0.0161
0.0165
0.0168
54
0.0147
0.0157
0.0163
0.0168
0.0171
0.0172
55
0.0146
0.0158
0.0164
0.0169
0.0173
0.0174
56
0.0134
0.0146
0.0152
0.0158
0.0161
0.0162
57
0.0122
0.0133
0.0140
0.0145
0.0148
0.0149
58
0.0108
0.0120
0.0126
0.0131
0.0135
0.0136
59
0.0093
0.0105
0.0112
0.0117
0.0120
0.0121
60
0.0077
0.0089
0.0095
0.0101
0.0104
0.0105
61
0.0071
0.0071
0.0078
0.0083
0.0087
0.0088
62
0.0059
0.0059
0.0059
0.0064
0.0067
0.0069
63
0.0043
0.0043
0.0043
0.0043
0.0047
0.0048
64
0.0024
0.0024
0.0024
0.0024
0.0024
0.0025
65
0.0000
0.0000
0.0000
0.0000
0.0000
0.0000
Table 2B Lump sum valuation factors for serving judges (LSF)—females with compulsory retiring age of 65
Age at which eligible to retire with pension
Age
60
61
62
63
64
65
30 or younger
0.0123
31
0.0123
32
0.0122
33
0.0121
34
0.0120
35
0.0119
36
0.0118
37
0.0117
38
0.0116
39
0.0115
40
0.0114
41
0.0119
42
0.0125
43
0.0130
44
0.0134
45
0.0138
46
0.0142
47
0.0145
48
0.0147
49
0.0149
50
0.0150
0.0159
51
0.0150
0.0160
0.0165
52
0.0150
0.0160
0.0166
0.0170
53
0.0149
0.0159
0.0165
0.0170
0.0173
54
0.0146
0.0157
0.0163
0.0168
0.0171
0.0172
55
0.0142
0.0153
0.0160
0.0165
0.0168
0.0169
56
0.0132
0.0143
0.0150
0.0155
0.0158
0.0159
57
0.0120
0.0132
0.0138
0.0143
0.0146
0.0148
58
0.0106
0.0118
0.0124
0.0129
0.0133
0.0134
59
0.0091
0.0103
0.0109
0.0115
0.0118
0.0119
60
0.0075
0.0087
0.0094
0.0099
0.0102
0.0103
61
0.0070
0.0070
0.0077
0.0082
0.0085
0.0086
62
0.0058
0.0058
0.0058
0.0063
0.0067
0.0068
63
0.0043
0.0043
0.0043
0.0043
0.0046
0.0047
64
0.0024
0.0024
0.0024
0.0024
0.0024
0.0025
65
0.0000
0.0000
0.0000
0.0000
0.0000
0.0000
Table 2C Lump sum valuation factors for serving judges (LSF)—males with compulsory retiring age of 70
Age at which eligible to retire with pension
Age
60
61
62
63
64
65
66
67
68
69
70
30 or younger
0.0149
31
0.0147
32
0.0146
33
0.0145
34
0.0144
35
0.0142
36
0.0141
37
0.0139
38
0.0138
39
0.0136
40
0.0134
41
0.0139
42
0.0144
43
0.0148
44
0.0151
45
0.0155
46
0.0158
47
0.0160
48
0.0162
49
0.0163
50
0.0164
0.0178
51
0.0174
0.0190
0.0199
52
0.0183
0.0200
0.0211
0.0221
53
0.0191
0.0209
0.0220
0.0231
0.0241
54
0.0196
0.0215
0.0228
0.0240
0.0251
0.0261
55
0.0199
0.0220
0.0234
0.0246
0.0258
0.0269
0.0283
56
0.0188
0.0209
0.0222
0.0235
0.0247
0.0258
0.0272
0.0285
57
0.0175
0.0196
0.0210
0.0223
0.0235
0.0246
0.0260
0.0273
0.0283
58
0.0162
0.0183
0.0197
0.0210
0.0222
0.0233
0.0247
0.0260
0.0270
0.0279
59
0.0147
0.0169
0.0182
0.0196
0.0208
0.0219
0.0234
0.0246
0.0256
0.0266
0.0269
60
0.0131
0.0153
0.0167
0.0180
0.0192
0.0203
0.0218
0.0231
0.0241
0.0251
0.0254
61
0.0136
0.0136
0.0150
0.0163
0.0176
0.0187
0.0202
0.0215
0.0225
0.0234
0.0238
62
0.0131
0.0131
0.0131
0.0145
0.0157
0.0168
0.0184
0.0197
0.0207
0.0217
0.0220
63
0.0124
0.0124
0.0124
0.0124
0.0137
0.0148
0.0164
0.0177
0.0187
0.0197
0.0200
64
0.0115
0.0115
0.0115
0.0115
0.0115
0.0126
0.0142
0.0155
0.0166
0.0176
0.0179
65
0.0103
0.0103
0.0103
0.0103
0.0103
0.0103
0.0118
0.0132
0.0142
0.0152
0.0156
66
0.0092
0.0092
0.0092
0.0092
0.0092
0.0092
0.0092
0.0106
0.0117
0.0126
0.0130
67
0.0077
0.0077
0.0077
0.0077
0.0077
0.0077
0.0077
0.0077
0.0088
0.0098
0.0102
68
0.0057
0.0057
0.0057
0.0057
0.0057
0.0057
0.0057
0.0057
0.0057
0.0067
0.0071
69
0.0033
0.0033
0.0033
0.0033
0.0033
0.0033
0.0033
0.0033
0.0033
0.0033
0.0037
70
0.0000
0.0000
0.0000
0.0000
0.0000
0.0000
0.0000
0.0000
0.0000
0.0000
0.0000
Table 2D Lump sum valuation factors for serving judges (LSF)—females with compulsory retiring age of 70
Age at which eligible to retire with pension
Age
60
61
62
63
64
65
66
67
68
69
70
30 or younger
0.0151
31
0.0151
32
0.0150
33
0.0149
34
0.0148
35
0.0147
36
0.0146
37
0.0145
38
0.0144
39
0.0143
40
0.0142
41
0.0149
42
0.0156
43
0.0163
44
0.0169
45
0.0175
46
0.0180
47
0.0185
48
0.0189
49
0.0193
50
0.0195
0.0213
51
0.0198
0.0216
0.0228
52
0.0199
0.0218
0.0230
0.0242
53
0.0200
0.0220
0.0233
0.0245
0.0256
54
0.0200
0.0220
0.0233
0.0246
0.0258
0.0268
55
0.0198
0.0219
0.0232
0.0245
0.0258
0.0269
0.0284
56
0.0188
0.0209
0.0223
0.0236
0.0248
0.0259
0.0275
0.0288
57
0.0176
0.0198
0.0211
0.0225
0.0237
0.0248
0.0264
0.0277
0.0288
58
0.0163
0.0184
0.0198
0.0212
0.0224
0.0235
0.0251
0.0265
0.0275
0.0285
59
0.0148
0.0170
0.0184
0.0197
0.0210
0.0221
0.0237
0.0251
0.0262
0.0272
0.0276
60
0.0133
0.0154
0.0169
0.0182
0.0195
0.0206
0.0222
0.0236
0.0247
0.0257
0.0261
61
0.0138
0.0138
0.0152
0.0166
0.0179
0.0190
0.0206
0.0220
0.0231
0.0242
0.0245
62
0.0134
0.0134
0.0134
0.0148
0.0161
0.0173
0.0189
0.0203
0.0214
0.0224
0.0228
63
0.0128
0.0128
0.0128
0.0128
0.0141
0.0153
0.0169
0.0184
0.0195
0.0205
0.0209
64
0.0120
0.0120
0.0120
0.0120
0.0120
0.0132
0.0148
0.0163
0.0174
0.0184
0.0188
65
0.0108
0.0108
0.0108
0.0108
0.0108
0.0108
0.0125
0.0139
0.0151
0.0161
0.0165
66
0.0098
0.0098
0.0098
0.0098
0.0098
0.0098
0.0098
0.0113
0.0125
0.0135
0.0139
67
0.0084
0.0084
0.0084
0.0084
0.0084
0.0084
0.0084
0.0084
0.0096
0.0107
0.0111
68
0.0063
0.0063
0.0063
0.0063
0.0063
0.0063
0.0063
0.0063
0.0063
0.0074
0.0078
69
0.0037
0.0037
0.0037
0.0037
0.0037
0.0037
0.0037
0.0037
0.0037
0.0037
0.0041
70
0.0000
0.0000
0.0000
0.0000
0.0000
0.0000
0.0000
0.0000
0.0000
0.0000
0.0000
Table 3 Pension valuation factors (PF)
Males
Females
Age
Age pension
Invalid pension
Spouse pension or associate pension
Age pension
Invalid pension
Spouse pension or associate pension
30 or younger
33.3852
33.2882
32.7477
35.2430
31
33.0479
32.9153
32.3932
34.8969
32
32.7038
32.5340
32.0328
34.5436
33
32.3528
32.1433
31.6661
34.1835
34
31.9950
31.7437
31.2930
33.8162
35
31.6304
31.3352
30.9130
33.4410
36
31.2589
30.9169
30.5265
33.0586
37
30.8805
30.4893
30.1331
32.6683
38
30.4951
30.0519
29.7329
32.2701
39
30.1025
29.6046
29.3257
31.8636
40
29.7029
29.1478
28.9117
31.4491
41
29.2035
28.6813
28.4127
31.0265
42
28.6950
28.2054
27.9059
30.5955
43
28.1772
27.7202
27.3918
30.1563
44
27.6500
27.2259
26.8695
29.7090
45
27.1131
26.7226
26.3391
29.2540
46
26.5671
26.2104
25.8007
28.7906
47
26.0118
25.6898
25.2543
28.3195
48
25.4474
25.1606
24.7001
27.8407
49
24.8739
24.6233
24.1396
27.3540
50
24.2913
24.0785
23.5727
26.8602
51
23.4958
23.5262
22.9999
26.3590
52
22.6882
22.9670
22.4215
25.8512
53
21.8689
22.4013
21.8378
25.3363
54
21.0390
21.8298
21.2498
24.8143
55
20.1993
21.2538
20.6581
24.2857
56
19.6682
20.6735
20.1463
23.7500
57
19.1324
20.0902
19.6313
23.2075
58
18.5923
19.5043
19.1137
22.6580
59
18.0503
18.9153
18.5931
22.1017
60
20.6553
17.5071
18.3239
22.0992
18.0691
21.5383
61
20.0494
16.9638
17.7307
21.5219
17.5422
20.9681
62
19.4383
16.4212
17.1358
20.9364
17.0127
20.3913
63
18.8222
15.8804
16.5395
20.3433
16.4815
19.8080
64
18.2031
15.3415
15.9459
19.7430
15.9498
19.2187
65
17.5819
14.8055
15.3558
19.1362
15.4184
18.6243
66
16.9592
14.2734
14.7700
18.5233
14.8886
18.0249
67
16.3356
13.7459
14.1892
17.9048
14.3613
17.4213
68
15.7121
13.2236
13.6142
17.2814
13.8378
16.8133
69
15.0907
12.7053
13.0476
16.6531
13.3161
16.2036
70
14.4723
12.1908
12.4902
16.0201
12.7974
15.5925
71
13.8504
11.6805
11.9427
15.3936
12.2822
14.9802
72
13.2320
11.1740
11.4062
14.7642
11.7708
14.3676
73
12.6175
10.6708
10.8808
14.1327
11.2588
13.7552
74
12.0080
10.1720
10.3605
13.4985
10.7513
13.1432
75
11.4045
9.6782
9.8457
12.8626
10.2497
12.5326
76
10.8094
9.1907
9.3377
12.2370
9.7561
11.9249
77
10.2254
8.7116
8.8379
11.6120
9.2726
11.3213
78
9.6547
8.2424
8.3475
10.9883
8.8015
10.7240
79
9.1002
7.7875
7.8727
10.3751
8.3410
10.1364
80
8.5633
7.3480
7.4143
9.7744
7.8913
9.5606
81
8.0448
6.9252
6.9723
9.1885
7.4222
8.9993
82
7.5458
6.5199
6.5466
8.6171
6.9665
8.4536
83
7.0669
6.1326
6.1375
8.0623
6.5241
7.9252
84
6.6140
5.7662
5.7514
7.5275
6.1001
7.4177
85
6.1881
5.4213
5.3885
7.0148
5.6960
6.9320
86
5.7715
5.0992
5.0493
6.5219
5.3148
6.4695
87
5.3849
4.8012
4.7341
6.0489
4.9598
6.0314
88
5.0283
4.5278
4.4413
5.5956
4.6350
5.6184
89
4.6985
4.2652
4.1659
5.1722
4.3345
5.2237
90
4.3956
4.0103
3.9062
4.7802
4.0579
4.8463
91
4.1201
3.7587
3.6601
4.4158
3.8029
4.4844
92
3.8591
3.5044
3.4257
4.0854
3.5659
4.1362
93
3.6098
3.2655
3.2000
3.7920
3.3406
3.7986
94
3.3716
3.0424
2.9781
3.5123
3.1229
3.4821
95
3.1418
2.8343
2.7716
3.2425
2.9064
3.1851
96
2.9164
2.6405
2.5795
2.9776
2.6842
2.9056
97
2.7000
2.4606
2.4010
2.7104
2.4469
2.6407
98
2.4825
2.2870
2.2283
2.4304
2.2073
2.3863
99
2.2571
2.1183
2.0594
2.1550
1.9795
2.1451
100
2.0173
1.9564
1.8961
1.8786
1.7638
1.9162
101
1.8378
1.7884
1.7244
1.6584
1.5600
1.6967
102
1.6442
1.6071
1.5371
1.4486
1.3688
1.4798
103
1.4140
1.3901
1.3112
1.2294
1.1719
1.2515
104
1.1014
1.0907
1.0000
0.9497
0.9197
0.9596
105 or older
0.6077
0.6076
0.4928
0.5002
0.5002
0.4928
Table 4 Scheme value pension factors (SVPF)
Age
Male
Female
30 or younger
33.2882
35.2430
31
32.9153
34.8969
32
32.5340
34.5436
33
32.1433
34.1835
34
31.7437
33.8162
35
31.3352
33.4410
36
30.9169
33.0586
37
30.4893
32.6683
38
30.0519
32.2701
39
29.6046
31.8636
40
29.1478
31.4491
41
28.6813
31.0265
42
28.2054
30.5955
43
27.7202
30.1563
44
27.2259
29.7090
45
26.7226
29.2540
46
26.2104
28.7906
47
25.6898
28.3195
48
25.1606
27.8407
49
24.6233
27.3540
50
24.0785
26.8602
51
23.5262
26.3590
52
22.9670
25.8512
53
22.4013
25.3363
54
21.8298
24.8143
55
21.2538
24.2857
56
20.6735
23.7500
57
20.0902
23.2075
58
19.5043
22.6580
59
18.9153
22.1017
60
18.3239
21.5383
61
17.7307
20.9681
62
17.1358
20.3913
63
16.5395
19.8080
64
15.9459
19.2187
65
15.3558
18.6243
66
14.7700
18.0249
67
14.1892
17.4213
68
13.6142
16.8133
69
13.0476
16.2036
70
12.4902
15.5925
71
11.9427
14.9802
72
11.4062
14.3676
73
10.8808
13.7552
74
10.3605
13.1432
75
9.8457
12.5326
76
9.3377
11.9249
77
8.8379
11.3213
78
8.3475
10.7240
79
7.8727
10.1364
80
7.4143
9.5606
81
6.9723
8.9993
82
6.5466
8.4536
83
6.1375
7.9252
84
5.7514
7.4177
85
5.3885
6.9320
86
5.0493
6.4695
87
4.7341
6.0314
88
4.4413
5.6184
89
4.1659
5.2237
90
3.9062
4.8463
91
3.6601
4.4844
92
3.4257
4.1362
93
3.2000
3.7986
94
2.9781
3.4821
95
2.7716
3.1851
96
2.5795
2.9056
97
2.4010
2.6407
98
2.2283
2.3863
99
2.0594
2.1451
100
1.8961
1.9162
101
1.7244
1.6967
102
1.5371
1.4798
103
1.3112
1.2515
104
1.0000
0.9596
105 or older
0.4928
0.4928
Part 2—Factors
Table 1 Factors
Age
Male
Female
30 or younger
33.2882
35.2430
31
32.9153
34.8969
32
32.5340
34.5436
33
32.1433
34.1835
34
31.7437
33.8162
35
31.3352
33.4410
36
30.9169
33.0586
37
30.4893
32.6683
38
30.0519
32.2701
39
29.6046
31.8636
40
29.1478
31.4491
41
28.6813
31.0265
42
28.2054
30.5955
43
27.7202
30.1563
44
27.2259
29.7090
45
26.7226
29.2540
46
26.2104
28.7906
47
25.6898
28.3195
48
25.1606
27.8407
49
24.6233
27.3540
50
24.0785
26.8602
51
23.5262
26.3590
52
22.9670
25.8512
53
22.4013
25.3363
54
21.8298
24.8143
55
21.2538
24.2857
56
20.6735
23.7500
57
20.0902
23.2075
58
19.5043
22.6580
59
18.9153
22.1017
60
18.3239
21.5383
61
17.7307
20.9681
62
17.1358
20.3913
63
16.5395
19.8080
64
15.9459
19.2187
65
15.3558
18.6243
66
14.7700
18.0249
67
14.1892
17.4213
68
13.6142
16.8133
69
13.0476
16.2036
70
12.4902
15.5925
71
11.9427
14.9802
72
11.4062
14.3676
73
10.8808
13.7552
74
10.3605
13.1432
75
9.8457
12.5326
76
9.3377
11.9249
77
8.8379
11.3213
78
8.3475
10.7240
79
7.8727
10.1364
80
7.4143
9.5606
81
6.9723
8.9993
82
6.5466
8.4536
83
6.1375
7.9252
84
5.7514
7.4177
85
5.3885
6.9320
86
5.0493
6.4695
87
4.7341
6.0314
88
4.4413
5.6184
89
4.1659
5.2237
90
3.9062
4.8463
91
3.6601
4.4844
92
3.4257
4.1362
93
3.2000
3.7986
94
2.9781
3.4821
95
2.7716
3.1851
96
2.5795
2.9056
97
2.4010
2.6407
98
2.2283
2.3863
99
2.0594
2.1451
100
1.8961
1.9162
101
1.7244
1.6967
102
1.5371
1.4798
103
1.3112
1.2515
104
1.0000
0.9596
105 or older
0.4928
0.4928
Table 2 Factors
Factors
Age
Male
Female
60
20.6553
22.0992
61
20.0494
21.5219
62
19.4383
20.9364
63
18.8222
20.3433
64
18.2031
19.7430
65
17.5819
19.1362
66
16.9592
18.5233
67
16.3356
17.9048
68
15.7121
17.2814
69
15.0907
16.6531
70
14.4723
16.0201
71
13.8504
15.3936
72
13.2320
14.7642
73
12.6175
14.1327
74
12.0080
13.4985
75
11.4045
12.8626
76
10.8094
12.2370
77
10.2254
11.6120
78
9.6547
10.9883
79
9.1002
10.3751
80
8.5633
9.7744
81
8.0448
9.1885
82
7.5458
8.6171
83
7.0669
8.0623
84
6.6140
7.5275
85
6.1881
7.0148
86
5.7715
6.5219
87
5.3849
6.0489
88
5.0283
5.5956
89
4.6985
5.1722
90
4.3956
4.7802
91
4.1201
4.4158
92
3.8591
4.0854
93
3.6098
3.7920
94
3.3716
3.5123
95
3.1418
3.2425
96
2.9164
2.9776
97
2.7000
2.7104
98
2.4825
2.4304
99
2.2571
2.1550
100
2.0173
1.8786
101
1.8378
1.6584
102
1.6442
1.4486
103
1.4140
1.2294
104
1.1014
0.9497
105 or older
0.6077
0.5002
Table 3 Factors
Age
Male
Female
30 or younger
33.3852
32.7477
31
33.0479
32.3932
32
32.7038
32.0328
33
32.3528
31.6661
34
31.9950
31.2930
35
31.6304
30.9130
36
31.2589
30.5265
37
30.8805
30.1331
38
30.4951
29.7329
39
30.1025
29.3257
40
29.7029
28.9117
41
29.2035
28.4127
42
28.6950
27.9059
43
28.1772
27.3918
44
27.6500
26.8695
45
27.1131
26.3391
46
26.5671
25.8007
47
26.0118
25.2543
48
25.4474
24.7001
49
24.8739
24.1396
50
24.2913
23.5727
51
23.4958
22.9999
52
22.6882
22.4215
53
21.8689
21.8378
54
21.0390
21.2498
55
20.1993
20.6581
56
19.6682
20.1463
57
19.1324
19.6313
58
18.5923
19.1137
59
18.0503
18.5931
60
17.5071
18.0691
61
16.9638
17.5422
62
16.4212
17.0127
63
15.8804
16.4815
64
15.3415
15.9498
65
14.8055
15.4184
66
14.2734
14.8886
67
13.7459
14.3613
68
13.2236
13.8378
69
12.7053
13.3161
70
12.1908
12.7974
71
11.6805
12.2822
72
11.1740
11.7708
73
10.6708
11.2588
74
10.1720
10.7513
75
9.6782
10.2497
76
9.1907
9.7561
77
8.7116
9.2726
78
8.2424
8.8015
79
7.7875
8.3410
80
7.3480
7.8913
81
6.9252
7.4222
82
6.5199
6.9665
83
6.1326
6.5241
84
5.7662
6.1001
85
5.4213
5.6960
86
5.0992
5.3148
87
4.8012
4.9598
88
4.5278
4.6350
89
4.2652
4.3345
90
4.0103
4.0579
91
3.7587
3.8029
92
3.5044
3.5659
93
3.2655
3.3406
94
3.0424
3.1229
95
2.8343
2.9064
96
2.6405
2.6842
97
2.4606
2.4469
98
2.2870
2.2073
99
2.1183
1.9795
100
1.9564
1.7638
101
1.7884
1.5600
102
1.6071
1.3688
103
1.3901
1.1719
104
1.0907
0.9197
105 or older
0.6076
0.5002
