Cost / Benefit Analysis


Analysis Process

When MercedCERA provides you with the cost of the service credit purchase, you will also receive relevant information such as the total hours eligible to purchase, the total cost and payment options.

You can find out how long it will take to recover your service credit purchase by dividing the cost of the investment by the monthly benefit. For example:

total cost of service credit purchase ÷ additional monthly benefit = months to recover cost
$4,000 cost ÷ $80 additional monthly benefit = 50 months
50 ÷ 12 = 4.1 years

In this example, the cost of the purchase is recovered in 4.1 years after retirement.