If you have left the Plan but do not take your benefits, you are a deferred member.
The value of your pension was calculated based on your final pensionable salary and your pensionable service at the date you left the Plan. The definitions of pensionable pay and pensionable service are different in each of the defined benefit sections within the Plan. Please go to
My DB section to find out more information.
If Karen leaves the Plan, she will become a deferred member and her deferred pension will be calculated as:
Pensionable pay x pensionable service x accrual rate
