USS - General discussion

Cobbler_tone

Barralad77 said:

Re. Point 1. The closest you might get to the numbers if deferring is to use the calculator to see what they would be at the point of finishing work (the point at which contributions cease, which I think you said would be at 55) then model what they would be each year after that by (a) using the slightly better early retirement factor each time and (b) increasing the starting reduced AP by a nominal CPI figure (e.g., 2.5%) annually.

I understand and looked at the live model with the OH which makes sense.
The issue we have is that she takes her VS at 54, so will have a year of no contributions before she is 55. The model (understandably) assumes she will be working from 54-55. I have looked at her position now with the reduction factor but even then she is working another 10 months so it will increase.
We don't need to be that scientific at this point, it was purely to understand the mechanics. Based on what I understand there will be no rush to put it into payment for a while.