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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)    
                     
    a. The value of your benefits doesn't accrue evenly over your career.     
        The chart below shows the present value of your accrued benefits, in thousands of dollars.          
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    b. The value of your benefits can change dramatically around specific milestones:       
    1) when you vest 2)when you become eligible for early retirement 3)  or normal retirement.        
                     
                     
     When you vest     [this could be selected by drop down.]    
    Present Value of Accrued Benefits Before and After Vesting, in dollars          
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    Early Retirement     Normal Retirement       
                     
    Value of Accrued Benefits Before and After Early Retirement Eligibility Value of Accrued Benefits Before and After Normal Retirement Eligibility
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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
     
           
                     
                     
                     
                     
                     
                     
                     
                     
                     
                     
                     
                     
                     
                     
                 
                     
                     
    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.      
    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
     
                   
                     
                     
                     
                     
                     
                     
                     
                     
                     
                     
                     
                     
                     
                     
                     
                     
                     
                     
                     
    b. The benefits bought by each contribution dollar change dramatically around specific milestones:       
    1) when you vest 2)when you become eligible for early retirement 3)  or normal retirement.        
                     
     When you vest     [this could be selected by drop down.]    
                     
    Accrued Benefits to Contributions Before and After Vesting            
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    Early Retirement     Normal Retirement       
                     
    Benefits to Contributions Before and After Early Retirement Eligibility 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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