Ms. X works until age 58 and opts for an immediate annuity (January 2013)
At that time she will have 30 years of service to her credit and her average salary for the 5 consecutive years of highest-paid service is estimated at $88,814.66,
which entitles her to an immediate annuity of $53,288.79. See the Basic Pension formula under "Formulas and Methods".
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