To give you a better idea of how these legal limitations might affect your benefit, let's look at which limits are likely to affect the different types of retirement benefits.
If you retired under your plan's Normal Retirement, 55 and10 Retirement, or Deferred Vested Retirement, your benefit will not be affected by the Accrued-at-Normal Limitation because those benefit types did not provide supplements. However, your benefit may be affected by the MGB. If you retired after September 30, 2003, your benefit might be affected by the Phase-In Limitation due to increases to the benefit rates used to calculate your Part A Basic Benefit. However, the decrease due to the Phase-In Limitation is likely to be small.
If you retired under your plan's 30 Year, Rule-of-85, or Voluntary 60 and 10 Retirement, your benefit may be affected by the Accrued-at-Normal Limitation if you were still receiving a Part A Supplement and were younger than age 62 and 1 month at DoPT. Your benefit may also be affected by the MGB. And, if you retired after September 30, 2003, your benefit might be affected by the Phase-In Limitation due to increases to the benefit rates used to calculate your Basic Benefit.
As with the previous retirement types, any decrease due to the Phase-In Limitation is likely to be small.
If you're receiving a disability pension, your disability benefits will not be affected by the Accrued-at-Normal Limitation.
If you're eligible for disability under the plan and for Social Security Disability, the Disability Maximum Guaranteeable Benefit is not reduced based on your age; so, it's less likely your benefit will be limited by the MGB. And, if you retired after September 30, 2003, your benefit might be affected by the Phase-In Limitation due to increases in the benefit rates used to calculate your benefit.
As with the previous retirement types, any decrease due to the Phase-In Limitation is likely to be small.
