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    Your Pension over Your Career          
    The value of a pension changes over one's career. This tool will help you figure out how your pension wealth, and the value of your contributions might change: over time, and before and after important milestones.           
                         
    1: Tell us about you:          
    (We'll use this information to project your benefits)          
                         
    Current Age                  
    Current Service                  
    Current Salary                  
                         
                         
    2: Find out how much your pension is worth:          
    (We project the present value of accrued benefits at each age, in today's dollars)          
                         
    A. The value of your benefits doesn't accrue evenly over your career...           
                         
    The Present Value of Accrued Benefits at each age, in today's dollars               
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    Note:  At ages where immediate retirement is not possible, employees are assumed to take the greater of their contributions with interest, or the present value of deferred benefits beginning at the normal retirement age.      
                         
    B. The value of your benefits can change dramatically around specific milestones: when you vest and when you become eligible for early or normal retirement.              
                         
    Vesting    [this could be selected by drop down.]                
                         
    Present Value of Accrued Benefits Before and After Vesting, in today's dollars              
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    Note:  At ages where immediate retirement is not possible, employees are assumed to take the greater of their contributions with interest, or the present value of deferred benefits beginning at the normal retirement age.                
                         
    Early Retirement    [this could be selected by drop down.]   Normal Retirement    [this could be selected by drop down.]  
                         
    Present Value of Accrued Benefits Before and After Early Retirement Eligibility, in today's dollars   Present Value of Accrued Benefits Before and After Normal Retirement Eligibility, in today's dollars
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    Unable to load Flash content. The Charts Control requires Flash Player 9.0.45 or higher. You can download the latest version of Flash Player from the Adobe Flash Player Download Center
     
             
             
             
             
             
             
             
             
             
             
             
             
             
             
    Note:  At ages where immediate retirement is not possible, employees are assumed to take the greater of their contributions with interest, or the present value of deferred benefits beginning at the normal retirement age.                
                         
    3: Figure out how much pension your contributions will buy:          
    (We project how many pension-benefit dollars each dollar of contributions buys)          
                         
    A. A dollar in contributions does not always buy a dollar in pension benefits. The following graph shows the present value of your accrued benefits over your contributions plus investment earnings.              
                         
    Accrued Benefits to Contributions at each age, in thousands of dollars               
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    Note:  At ages where immediate retirement is not possible, employees are assumed to take the greater of their contributions with interest, or the present value of deferred benefits beginning at the normal retirement age.              
                         
    B. The benefits bought by each contribution dollar change dramatically around specific milestones: when you vest and when you become eligible for early or normal retirement.              
                         
    Vesting    [this could be selected by drop down.]                
                         
    Accrued Benefits to Contributions Before and After Vesting                
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    Note:  At ages where immediate retirement is not possible, employees are assumed to take the greater of their contributions with interest, or the present value of deferred benefits beginning at the normal retirement age.                
                         
    Early Retirement    [this could be selected by drop down.]   Normal Retirement    [this could be selected by drop down.]  
                         
    Accrued Benefits to Contributions Before and After Early Retirement Eligibility   Accrued Benefits to Contributions Before and After Normal Retirement Eligibility  
    Unable to load Flash content. The Charts Control requires Flash Player 9.0.45 or higher. You can download the latest version of Flash Player from the Adobe Flash Player Download Center
     
           
    Unable to load Flash content. The Charts Control requires Flash Player 9.0.45 or higher. You can download the latest version of Flash Player from the Adobe Flash Player Download Center
     
     
               
               
               
               
               
               
               
               
               
               
               
               
               
               
    Note:  At ages where immediate retirement is not possible, employees are assumed to take the greater of their contributions with interest, or the present value of deferred benefits beginning at the normal retirement age.                

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