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Code of Federal Regulations Title 29. Labor 29 CFR Pt. 4044, App. D—TABLES USED TO DETERMINE EXPECTED RETIREMENT AGE
Current as of January 02, 2025 | Updated by Findlaw Staff
|
Table I-21—Selection of Retirement Rate Category |
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|
[For valuation dates in 2021 1] |
||||
|
If participant reaches URA in year— |
Participant's Retirement Rate Category is— |
|||
|
Low 2 if monthly benefit at URA is less than— |
Medium 3 if monthly benefit at URA is— |
High 4 if monthly benefit at URA is greater than — |
||
|
From— |
To— |
|||
|
2022․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
686 |
686 |
2,896 |
2,896 |
|
2023․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
701 |
701 |
2,963 |
2,963 |
|
2024․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
718 |
718 |
3,031 |
3,031 |
|
2025․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
734 |
734 |
3,100 |
3,100 |
|
2026․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
751 |
751 |
3,172 |
3,172 |
|
2027․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
768 |
768 |
3,245 |
3,245 |
|
2028․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
786 |
786 |
3,319 |
3,319 |
|
2029․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
804 |
804 |
3,396 |
3,396 |
|
2030․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
822 |
822 |
3,474 |
3,474 |
|
2031 or later․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
841 |
841 |
3,554 |
3,554 |
1 Applicable tables for valuation dates before 2021 are available on PBGC's website (www.pbgc.gov).
2 Table II-A.
3 Table II-B.
4 Table II-C.
|
Table II-A—Expected Retirement Ages for Individuals in the Low Category |
|||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Unreduced retirement age |
|||||||||||
|
Participant's earliest retirement age at valuation date.
|
60 |
61 |
62 |
63 |
64 |
65 |
66 |
67 |
68 |
69 |
70 |
|
42․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
53 |
53 |
53 |
54 |
54 |
54 |
54 |
54 |
54 |
54 |
54 |
|
43․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
53 |
54 |
54 |
54 |
55 |
55 |
55 |
55 |
55 |
55 |
55 |
|
44․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
54 |
54 |
55 |
55 |
55 |
55 |
55 |
56 |
56 |
56 |
56 |
|
45․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
54 |
55 |
55 |
56 |
56 |
56 |
56 |
56 |
56 |
56 |
56 |
|
46․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
55 |
55 |
56 |
56 |
56 |
57 |
57 |
57 |
57 |
57 |
57 |
|
47․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
56 |
56 |
56 |
57 |
57 |
57 |
57 |
57 |
57 |
57 |
57 |
|
48․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
56 |
57 |
57 |
57 |
58 |
58 |
58 |
58 |
58 |
58 |
58 |
|
49․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
56 |
57 |
58 |
58 |
58 |
58 |
59 |
59 |
59 |
59 |
59 |
|
50․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
57 |
57 |
58 |
58 |
59 |
59 |
59 |
59 |
59 |
59 |
59 |
|
51․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
57 |
58 |
58 |
59 |
59 |
60 |
60 |
60 |
60 |
60 |
60 |
|
52․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
58 |
58 |
59 |
59 |
60 |
60 |
60 |
60 |
60 |
60 |
60 |
|
53․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
58 |
59 |
59 |
60 |
60 |
61 |
61 |
61 |
61 |
61 |
61 |
|
54․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
58 |
59 |
60 |
60 |
61 |
61 |
61 |
61 |
61 |
61 |
61 |
|
55․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
59 |
59 |
60 |
61 |
61 |
61 |
62 |
62 |
62 |
62 |
62 |
|
56․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
59 |
60 |
60 |
61 |
61 |
62 |
62 |
62 |
62 |
62 |
62 |
|
57․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
59 |
60 |
61 |
61 |
62 |
62 |
62 |
62 |
62 |
62 |
62 |
|
58․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
59 |
60 |
61 |
61 |
62 |
62 |
63 |
63 |
63 |
63 |
63 |
|
59․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
59 |
60 |
61 |
62 |
62 |
63 |
63 |
63 |
63 |
63 |
63 |
|
60․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
60 |
60 |
61 |
62 |
62 |
63 |
63 |
63 |
63 |
63 |
63 |
|
61․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
61 |
61 |
62 |
63 |
63 |
63 |
63 |
64 |
64 |
64 |
|
62․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
62 |
62 |
63 |
63 |
63 |
64 |
64 |
64 |
64 |
|
63․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
63 |
63 |
64 |
64 |
65 |
65 |
65 |
65 |
|
64․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
64 |
64 |
65 |
65 |
65 |
65 |
65 |
|
65․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
65 |
65 |
65 |
65 |
65 |
65 |
|
66․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
66 |
66 |
66 |
66 |
66 |
|
67․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
67 |
67 |
67 |
67 |
|
68․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
68 |
68 |
68 |
|
69․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
69 |
69 |
|
70․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
70 |
|
Table II-B—Expected Retirement Ages for Individuals in the Medium Category |
|||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Unreduced retirement age |
|||||||||||
|
Participant's earliest retirement age at valuation date.
|
60 |
61 |
62 |
63 |
64 |
65 |
66 |
67 |
68 |
69 |
70 |
|
42․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
49 |
49 |
49 |
49 |
49 |
49 |
49 |
49 |
49 |
49 |
49 |
|
43․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
50 |
50 |
50 |
50 |
50 |
50 |
50 |
50 |
50 |
50 |
50 |
|
44․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
50 |
51 |
51 |
51 |
51 |
51 |
51 |
51 |
51 |
51 |
51 |
|
45․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
51 |
51 |
52 |
52 |
52 |
52 |
52 |
52 |
52 |
52 |
52 |
|
46․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
52 |
52 |
52 |
53 |
53 |
53 |
53 |
53 |
53 |
53 |
53 |
|
47․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
53 |
53 |
53 |
53 |
53 |
54 |
54 |
54 |
54 |
54 |
54 |
|
48․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
54 |
54 |
54 |
54 |
54 |
54 |
54 |
54 |
54 |
54 |
54 |
|
49․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
54 |
55 |
55 |
55 |
55 |
55 |
55 |
55 |
55 |
55 |
55 |
|
50․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
55 |
55 |
56 |
56 |
56 |
56 |
56 |
56 |
56 |
56 |
56 |
|
51․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
56 |
56 |
56 |
57 |
57 |
57 |
57 |
57 |
57 |
57 |
57 |
|
52․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
56 |
57 |
57 |
57 |
57 |
58 |
58 |
58 |
58 |
58 |
58 |
|
53․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
57 |
57 |
58 |
58 |
58 |
58 |
58 |
58 |
58 |
58 |
58 |
|
54․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
57 |
58 |
58 |
59 |
59 |
59 |
59 |
59 |
59 |
59 |
59 |
|
55․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
58 |
58 |
59 |
59 |
59 |
60 |
60 |
60 |
60 |
60 |
60 |
|
56․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
58 |
59 |
59 |
60 |
60 |
60 |
60 |
60 |
60 |
60 |
60 |
|
57․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
59 |
59 |
60 |
60 |
61 |
61 |
61 |
61 |
61 |
61 |
61 |
|
58․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
59 |
60 |
60 |
61 |
61 |
61 |
61 |
61 |
61 |
61 |
61 |
|
59․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
59 |
60 |
61 |
61 |
62 |
62 |
62 |
62 |
62 |
62 |
62 |
|
60․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
60 |
60 |
61 |
62 |
62 |
62 |
62 |
62 |
62 |
62 |
62 |
|
61․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
61 |
61 |
62 |
62 |
63 |
63 |
63 |
63 |
63 |
63 |
|
62․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
62 |
62 |
62 |
63 |
63 |
63 |
63 |
63 |
63 |
|
63․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
63 |
63 |
64 |
64 |
64 |
64 |
64 |
64 |
|
64․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
64 |
64 |
64 |
64 |
64 |
64 |
64 |
|
65․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
65 |
65 |
65 |
65 |
65 |
65 |
|
66․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
66 |
66 |
66 |
66 |
66 |
|
67․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
67 |
67 |
67 |
67 |
|
68․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
68 |
68 |
68 |
|
69․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
69 |
69 |
|
70․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
70 |
|
Table II-C—Expected Retirement Ages for Individuals in the High Category |
|||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Unreduced retirement age |
|||||||||||
|
Participant's earliest retirement age at valuation date.
|
60 |
61 |
62 |
63 |
64 |
65 |
66 |
67 |
68 |
69 |
70 |
|
42․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
46 |
46 |
46 |
46 |
46 |
47 |
47 |
47 |
47 |
47 |
47 |
|
43․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
47 |
47 |
47 |
47 |
47 |
47 |
47 |
47 |
47 |
47 |
47 |
|
44․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
48 |
48 |
48 |
48 |
48 |
48 |
48 |
48 |
48 |
48 |
48 |
|
45․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
49 |
49 |
49 |
49 |
49 |
49 |
49 |
49 |
49 |
49 |
49 |
|
46․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
50 |
50 |
50 |
50 |
50 |
50 |
50 |
50 |
50 |
50 |
50 |
|
47․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
51 |
51 |
51 |
51 |
51 |
51 |
51 |
51 |
51 |
51 |
51 |
|
48․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
52 |
52 |
52 |
52 |
52 |
52 |
52 |
52 |
52 |
52 |
52 |
|
49․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
53 |
53 |
53 |
53 |
53 |
53 |
53 |
53 |
53 |
53 |
53 |
|
50․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
54 |
54 |
54 |
54 |
54 |
54 |
54 |
54 |
54 |
54 |
54 |
|
51․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
54 |
55 |
55 |
55 |
55 |
55 |
55 |
55 |
55 |
55 |
55 |
|
52․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
55 |
55 |
56 |
56 |
56 |
56 |
56 |
56 |
56 |
56 |
56 |
|
53․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
56 |
56 |
56 |
57 |
57 |
57 |
57 |
57 |
57 |
57 |
57 |
|
54․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
57 |
57 |
57 |
57 |
57 |
58 |
58 |
58 |
58 |
58 |
58 |
|
55․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
57 |
58 |
58 |
58 |
58 |
58 |
58 |
58 |
58 |
58 |
58 |
|
56․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
58 |
58 |
59 |
59 |
59 |
59 |
59 |
59 |
59 |
59 |
59 |
|
57․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
58 |
59 |
59 |
60 |
60 |
60 |
60 |
60 |
60 |
60 |
60 |
|
58․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
59 |
59 |
60 |
60 |
60 |
60 |
61 |
61 |
61 |
61 |
61 |
|
59․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
59 |
60 |
60 |
61 |
61 |
61 |
61 |
61 |
61 |
61 |
61 |
|
60․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
60 |
60 |
61 |
61 |
61 |
62 |
62 |
62 |
62 |
62 |
62 |
|
61․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
61 |
61 |
62 |
62 |
62 |
62 |
62 |
62 |
62 |
62 |
|
62․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
62 |
62 |
62 |
62 |
62 |
62 |
62 |
62 |
62 |
|
63․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
63 |
63 |
63 |
64 |
64 |
64 |
64 |
64 |
|
64․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
64 |
64 |
64 |
64 |
64 |
64 |
64 |
|
65․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
65 |
65 |
65 |
65 |
65 |
65 |
|
66․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
66 |
66 |
66 |
66 |
66 |
|
67․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
67 |
67 |
67 |
67 |
|
68․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
68 |
68 |
68 |
|
69․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
69 |
69 |
|
70․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
․․․ |
70 |
Cite this article: FindLaw.com - Code of Federal Regulations Title 29. Labor 29 CFR Pt. 4044, App. D—TABLES USED TO DETERMINE EXPECTED RETIREMENT AGE - last updated January 02, 2025 | https://codes.findlaw.com/cfr/title-29-labor/cfr-pt-29-4044-app-d/
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