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That depends on the plan.

Today, all private (non-government) defined benefit plans that fall under ERISA, that I've ever heard of, use a benefit formula that takes into account your credible years of service, often called the 'participation years' of service, some measure of your salary (usually average of the final 3 years, although this can vary) and some contribution percent, typically 1 to 2%. Some plans put a max on the number of credible years while some limit credible years to some maximum age, usually 70.

Government plans can vary state-to-state.

BruceM
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