Office of the State Actuary: Life Expectancy Table

The table below shows the average future life expectancy of retirement plan members from each attained age. It is based on the 2000 mortality tables for male and female combined healthy employees and retirees.

The mortality rates from the underlying mortality table are used to determine survivorship to retirement and survivorship post-retirement. Based on actual plan experience, rates for all teachers and female school employees are "set back" two years. This means that at each attained age, they are expected to have the life expectancy of an individual two years younger. All other Washington state retirement plans use the standard 2000 table with no adjustment. Mortality rates for disabled members are determined using a separate table.

To use this table: Find your age in the columns below, then look to the appropriate gender column on the right to find the additional number of years you may expect to live. It is important to note that one-half of individuals are expected to live beyond their life expectancy and one-half are not. These tables are applied to large populations and are not intended for individual retirement planning purposes.

Additional Years To Live
Age	Male	Female	Age	Male	Female
18	61	64	66	16	19
19	60	63	67	16	18
20	59	62	68	15	17
21	58	61	69	14	16
22	57	60	70	13	16
23	56	59	71	13	15
24	55	58	72	12	14
25	54	57	73	11	14
26	53	56	74	11	13
27	52	55	75	10	12
28	51	54	76	9	12
29	50	53	77	9	11
30	49	52	78	8	10
31	48	51	79	8	10
32	47	50	80	7	9
33	47	50	81	7	9
34	46	49	82	6	8
35	45	48	83	6	8
36	44	47	84	5	7
37	43	46	85	5	7
38	42	45	86	5	6
39	41	44	87	4	6
40	40	43	88	4	5
41	39	42	89	4	5
42	38	41	90	3	5
43	37	40	91	3	4
44	36	39	92	3	4
45	35	38	93	3	4
46	34	37	94	3	4
47	33	36	95	2	3
48	32	35	96	2	3
49	31	34	97	2	3
50	30	33	98	2	3
51	29	32	99	2	3
52	28	31	100	2	3
53	28	30	101	2	3
54	27	29	102	2	3
55	26	28	103	2	2
56	25	27	104	2	2
57	24	27	105	2	2
58	23	26	106	1	2
59	22	25	107	1	2
60	21	24	108	1	2
61	20	23	109	1	2
62	20	22	110	1	2
63	19