The Effects of Calculation Methods on Life Expectancy Factors

Below is a table showing the effect of both the Recalculation and One-Year-Less Methods on the life expectancy factor.

You will notice that under the One-Year-Less Method the life expectancy factor decreases faster than under the Recalculation Method. All other factors being the same, this would cause your payments to be greater.

Age	Recalculation Method	One-Year-Less Method
71	15.3	15.3
72	14.6	14.3
73	13.9	13.3
74	13.2	12.3
75	12.5	11.3
76	11.9	10.3
77	11.2	9.3
78	10.6	8.3
79	10.0	7.3
80	9.5	6.3