what is the email address to reach out to them too? As of today I have been at UPS for 1 year. I mainly work for the insurance and a little money as I told my wife. The insurance is the real deal. That is not my question here. I plan on working till I hit 20 years of service. With that said I was wondering how the pension formula works. I will be 61 in 19 years.A lot depends on your health and how long you expect to live. Taking the pension now means you will collect for an extra 9 years verses the higher amount for less years. The cross over point would be sometime in your mid to late 70's.