Reduction Factor

If you retire with less than 30 years of service credit and before age 65, benefits are reduced. The reduction is based on your total years of service credit and your age at retirement. The chart below shows how this reduction is calculated.

Benefit Reduction Calculation
Attained Age at Retirement	Years Ohio Credit
	30+	29	28	27	26	25 or less
58 or less	100%	95%	90%	85%	80%	75%
59	100%	95%	90%	85%	80%	80%
60	100%	95%	90%	85%	85%	85%
61	100%	95%	90%	88%	88%	88%
62	100%	95%	91%	91%	91%	91%
63	100%	95%	94%	94%	94%	94%
64	100%	97%	97%	97%	97%	97%
65+	100%	100%	100%	100%	100%	100%