Calculate Your 85 Factor
About This Page
Many pension plans, such as the Local Authorities Pension Plan (LAPP) and the Public Service Pension Plan (PSPP) use the concept of the '85 Factor' or the 'Rule of 85' as part of establishing eligibility. This means if your age plus years of service equals 85, you may qualify for benefits without any reductions.
This calculator determines when you will reach the 85 Factor, assuming continuous service from the date you started work.
The 85 Factor is just one small part of retirement planning. Please consult your pension plan provider regarding your specific situation.