If I had waited 18 months with the formula I was under I would have gotten back 3%. Full retirement was at 60 with each year you took it earlier reduced it 3% with the earliest I could take it at 55. Your supposition that every year you wait after 60 increases it 10% would have your pension doubled at 67. This from the people who terminated the traditional pension plan and replaced it with a significantly less generous plan. Which apparently they're now in the process of ending too. Yeah, right, they're so willing to give so much more. If true it's the only good thing they've done retirement wise in their history. The company that reams mgrs for giving couriers free money with the 35 hr guarantee is going to give old, topped out couriers thousands and thousands extra just for sticking around longer. I'd call you stupid but that doesn't even begin to convey the depth of your idiocy.