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Life Expectancies

A life expectancy table shows an average future lifetime for retirement plan members from each attained age. We based the table shown below on the RP-2000 Combined Healthy mortality table with mortality improvements projected to the year 2013.  We used 100 percent of Scale BB* for the annual mortality improvement factors.  Please see the mortality section of our 2007-2012 Demographic Experience Study for more details.

To use the life expectancy table:  Find your age in the column 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 can expect to live beyond their life expectancy and one-half will not live to that age.  We apply these tables to large populations; they are not intended for individual retirement planning purposes.

 
Life Expectancy Using the RP-2000 Combined Healthy Mortality Table Projected to 2013*
Age Male Female Age Male Female
18 63 66 65 19 21
19 62 65 66 18 21
20 61 64 67 17 20
21 60 63 68 17 19
22 59 62 69 16 18
23 58 61 70 15 17
24 57 60 71 14 17
25 56 59 72 14 16
26 55 58 73 13 15
27 54 57 74 12 14
28 53 56 75 12 14
29 52 55 76 11 13
30 51 54 77 10 12
31 50 53 78 10 12
32 49 52 79 9 11
33 48 51 80 9 11
34 48 50 81 8 10
35 47 49 82 8 9
36 46 48 83 7 9
37 45 47 84 7 8
38 44 46 85 6 8
39 43 45 86 6 7
40 42 45 87 5 7
41 41 44 88 5 6
42 40 43 89 5 6
43 39 42 90 4 6
44 38 41 91 4 5
45 37 40 92 4 5
46 36 39 93 3 5
47 35 38 94 3 4
48 34 37 95 3 4
49 33 36 96 3 4
50 32 35 97 3 4
51 31 34 98 3 4
52 30 33 99 2 4
53 29 32 100 2 3
54 29 31 101 2 3
55 28 30 102 2 3
56 27 29 103 2 3
57 26 28 104 2 3
58 25 27 105 2 3
59 24 27 106 2 3
60 23 26 107 2 2
61 22 25 108 2 2
62 22 24 109 2 2
63 21 23 110 2 2
64 20 22      
*RP-2000 Combined Healthy mortality table and Scale BB were both 
published by the Society of Actuaries.  As we project improvements
into the future, life expectancies improve slightly each year.  This
table does not use age offsets.  We determine mortality rates for 
disabled members using a separate table.