Plan Document

APPENDIX A

Carpenters Retirement Plan of Western Washington
Joint and Survivor Benefit Factors
Applicable to Accrued Benefit Earned Prior to January 1, 2017

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