Plan Document

APPENDIX
Carpenters Retirement Plan of Western Washington Joint and Survivor Benefit Factors

Beneficiary's Age In Relation to Retiree's Age

50% Joint and Survivor

75% Joint and Survivor

100% Joint and Survivor

Each additional year older +0.005 +0.007 +0.008
+10 years 0.930 0.900 0.866
+9 0.925 0.893 0.858
+8 0.920 0.886 0.850
+7 0.915 0.879 0.842
+6 0.910 0.872 0.834
+5 0.905 0.865 0.826
+4 0.900 0.858 0.818
+3 0.895 0.851 0.810
+2 0.890 0.844 0.802
+1 0.885 0.837 0.794
Same age as your beneficiary 0.880 0.830 0.786
-1 0.875 0.823 0.778
-2 0.870 0.816 0.770
-3 0.865 0.809 0.762
-4 0.860 0.802 0.754
-5 0.855 0.795 0.746
-6 0.850 0.788 0.738
-7 0.845 0.781 0.730
-8 0.840 0.774 0.722
-9 0.835 0.767 0.714
-10 0.830 0.760 0.706
Each additional year younger -0.005 -0.007 -0.008