How Is My Pension Calculated?
Not instant, and not just plugging three numbers into a formula. Here's what ORS actually does behind the scenes to arrive at your final figure.
💬 GLP Retirement MinutePull your full earnings and service record
Every reported year of your career, not just your most recent one.
Identify your actual highest consecutive FAC window
ORS finds your real highest 3-or-5-year stretch — see What Is Final Average Compensation? for what counts toward it.
Run an anti-spiking check
Any unusually large year-over-year jump gets verified against your job classification's normal salary schedule before it's accepted.
Apply your correct multiplier — or blend of two
Most members use a flat 1.5%. Some use a blended 1.5%/1.25% split at a specific date, depending on a choice made back in 2013.
Produce your baseline "straight life" figure
This is your starting number — before you choose a survivor or payment option, which is a separate decision that can adjust your actual monthly amount.
The Pension Calculator simplifies this process into ten seconds using your own numbers — useful for a ballpark, even though the real calculation goes through every step above.
Your pension isn't computed the moment you decide to retire — it's reconstructed from your entire career record, checked for accuracy, and only then turned into a number. That's part of why getting an official estimate takes real processing time, not just a quick lookup.