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 2009.  We used 50 percent of Scale AA* for the annual mortality improvement factors.

We use the mortality rates from the underlying mortality table to estimate survivorship both pre- and post-retirement.  Based on actual plan experience, we set rates “back” or “forward” for some plans.  A “set back” means that at each attained age, a member has the life expectancy of a younger person.  A “set forward” is just the opposite; members have the life expectancy of older individuals.  The following table displays the age offsets (in years) for the LEOFF pension systems.  Negative numbers denote set backs.

System	LEOFF
	Male	Female
Age Offsets	-1	1

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 2009*
Age	Male	Female	Age	Male	Female
18	62	65	65	17	20
19	61	64	66	17	19
20	60	63	67	16	18
21	59	62	68	15	17
22	58	61	69	14	17
23	57	60	70	14	16
24	56	59	71	13	15
25	55	58	72	12	14
26	54	57	73	12	14
27	53	56	74	11	13
28	52	55	75	10	12
29	51	54	76	10	12
30	50	53	77	9	11
31	49	52	78	8	10
32	48	51	79	8	10
33	47	50	80	7	9
34	46	49	81	7	9
35	45	48	82	6	8
36	44	47	83	6	8
37	43	46	84	6	7
38	42	45	85	5	7
39	41	44	86	5	6
40	40	43	87	4	6
41	39	42	88	4	5
42	38	41	89	4	5
43	37	40	90	3	5
44	36	39	91	3	4
45	35	38	92	3	4
46	35	37	93	3	4
47	34	36	94	3	4
48	33	35	95	2	3
49	32	34	96	2	3
50	31	33	97	2	3
51	30	32	98	2	3
52	29	31	99	2	3
53	28	30	100	2	3
54	27	30	101	2	3
55	26	29	102	2	3
56	25	28	103	2	2
57	24	27	104	2	2
58	23	26	105	2	2
59	23	25	106	1	2
60	22	24	107	1	2
61	21	23	108	1	2
62	20	22	109	1	2
63	19	21	110	1	2
64	18	21
*RP-2000 Combined Healthy mortality table and Scale AA 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

See the State Actuary Mortality Tables Page for more details.