PRESENT VALUE FACTORS CHART (6%)

[Pages:2]PRESENT VALUE FACTORS CHART (6%)

SURVIVOR (1) LIFE PTD-NON-OD(2L)IFE PTD-OD LUNGL(I3F)E PTD-OD-NON LLUINFGE (4)

EXPECT-

EXPECT-

EXPECT-

EXPECT-

ANCY IN

ANCY IN

ANCY IN

ANCY IN

AGE FACTOR YEARS FACTOR YEARS FACTOR YEARS FACTOR YEARS

PERIOD

17

777

50.7

705

39.5

464

17.0

617

29.7

18

779

50.6

702

39.0

459

16.7

613

29.3

19

781

50.4

699

38.4

454

16.4

608

28.9

20

783

50.2

696

37.9

449

16.1

604

28.5

Today

21

785

49.9

692

37.3

444

15.9

600

28.1

22

786

49.6

689

36.8

439

15.7

597

27.7

23

787

49.2

686

36.3

435

15.5

593

27.3

24

788

48.9

684

35.8

431

15.3

590

27.0

25

789

48.5

681

35.3

428

15.2

587

26.7

26

789

48.1

679

34.8

426

15.1

585

26.4

27

789

47.6

677

34.3

425

15.0

583

26.1

28

788

47.1

675

33.9

425

15.0

582

25.9

29

787

46.6

674

33.5

426

14.9

581

25.7

30

786

46.1

672

33.0

426

14.9

580

25.4

31

784

45.5

670

32.6

426

14.9

578

25.1

1 Month 2 Months 3 Months 4 Months 5 Months 6 Months 7 Months 8 Months 9 Months 10 Months 11 Months

32

782

44.9

668

32.1

427

14.8

577

24.9

12 Months

33

780

44.3

666

31.6

427

14.8

575

24.6

34

778

43.6

664

31.1

428

14.7

574

24.3

35

775

42.9

661

30.7

428

14.7

572

24.0

36

772

42.3

659

30.2

429

14.6

570

23.7

37

769

41.6

656

29.6

430

14.6

568

23.4

38

766

40.8

653

29.2

431

14.5

565

23.1

39

762

40.1

649

28.6

432

14.5

562

22.8

40

758

39.4

645

28.1

433

14.4

560

22.5

41

754

38.6

642

27.6

433

14.3

557

22.1

42

749

37.9

637

27.0

433

14.2

554

21.8

43

745

37.1

633

26.4

432

14.1

550

21.5

44

740

36.4

628

25.9

430

13.9

547

21.1

13 Months 14 Months 15 Months 16 Months 17 Months 18 Months 19 Months 20 Months 21 Months 22 Months 23 Months 24 Months

45

736

35.6

622

25.3

428

13.7

544

20.8

46

731

34.8

617

24.7

424

13.4

541

20.4

47

726

34.1

611

24.1

420

13.2

538

20.1

48

720

33.3

604

23.5

415

12.8

535

19.8

49

715

32.6

597

22.9

409

12.5

531

19.4

50

709

31.8

589

22.3

402

12.2

527

19.0

51

703

31.0

581

21.6

394

11.8

522

18.6

52

696

30.3

572

21.0

385

11.4

516

18.2

53

690

29.5

563

20.3

376

11.0

510

17.7

54

683

28.7

553

19.7

367

10.7

503

17.3

55

675

27.9

544

19.1

359

10.3

497

16.8

25 Months 26 Months 27 Months 28 Months 29 Months 30 Months 31 Months 32 Months 33 Months 34 Months 35 Months

56

668

27.2

535

18.5

351

10.0

490

16.4

36 Months

57

659

26.4

525

17.9

344

9.7

483

16.0

37 Months

58

651

25.6

516

17.3

338

9.5

476

15.5

38 Months

59

642

24.9

505

16.7

331

9.2

468

15.1

39 Months

The grid chart "factors" will not provide the same result for PTD as general life expectancy tables. The "factors" are the

result of a detailed 1993 actuarial study completed by William M. Mercer, Incorporated based upon actual PTD experience.

The study verifies that injured workers with injuries severe enough to rate them as PTD have a reduced life expectancy

compared to the general population represented in general life expectancy tables.

NPV of an annuity of $1

at 1 month increments

@ 6%

1.0000 0.9950 0.9901 0.9852 0.9804 0.9756 0.9709 0.9662 0.9615 0.9569 0.9524 0.9479 0.9434 1.0176 1.0917 1.1659 1.2401 1.3142 1.3884 1.4626 1.5367 1.6109 1.6851 1.7592 1.8334 1.9034 1.9733 2.0433 2.1133 2.1832 2.2532 2.3232 2.3931 2.4631 2.5331 2.6030 2.6730 2.7390 2.8050 2.8710

(Effective 1/1/02)

PRESENT VALUE FACTORS CHART (6%)

SURVIVOR (1)

PTD-NON-OD (2)

PTD-OD LUNG (3) PTD-OD-NON LUNG(4)

AGE

FACTOR

LIFE EXPECTANCY IN YEARS

FACTOR

LIFE EXPECTANCY IN YEARS

FACTOR

LIFE EXPECTANCY IN YEARS

FACTOR

LIFE EXPECTANCY IN YEARS

60

633

24.1

495

16.1

323

8.9

459

14.6

61

623

23.3

484

15.5

316

8.6

451

14.1

62

613

22.5

473

15.0

309

8.3

442

13.7

63

602

21.8

461

14.4

302

8.1

434

13.2

64

591

21.0

450

13.8

295

7.8

425

12.8

65

580

20.3

437

13.2

287

7.5

415

12.3

66

568

19.5

425

12.7

278

7.2

404

11.8

67

556

18.7

412

12.1

270

6.9

393

11.4

68

543

18.0

399

11.6

262

6.7

382

10.9

69

528

17.2

387

11.1

255

6.4

371

10.4

70

512

16.4

375

10.6

248

6.2

360

10.0

71

497

15.6

363

10.1

241

6.0

349

9.5

72

481

14.8

351

9.6

235

5.8

337

9.1

73

465

14.1

338

9.1

227

5.6

325

8.6

74

449

13.4

326

8.7

220

5.4

312

8.2

75

433

12.7

313

8.2

213

5.1

299

7.7

76

417

12.0

301

7.8

205

4.9

287

7.3

77

401

11.4

288

7.4

198

4.7

274

6.9

78

385

10.8

276

7.0

191

4.5

261

6.5

79

370

10.2

264

6.6

184

4.3

249

6.1

80

355

9.6

252

6.3

178

4.1

237

5.8

81

340

9.1

241

5.9

172

4.0

226

5.4

82

325

8.5

230

5.6

167

3.8

215

5.1

83

310

8.0

220

5.3

162

3.7

205

4.8

84

296

7.6

209

5.0

156

3.5

195

4.5

85

282

7.1

199

4.7

151

3.4

185

4.3

86

268

6.6

189

4.4

147

3.3

175

4.0

87

254

6.2

179

4.1

142

3.2

166

3.8

88

240

5.8

170

3.9

138

3.1

156

3.5

89

226

5.4

161

3.6

134

3.0

148

3.3

90

213

5.0

152

3.4

130

2.9

139

3.1

91

200

4.7

144

3.2

127

2.8

132

2.9

92

187

4.3

136

3.0

123

2.7

124

2.7

93

175

4.0

129

2.8

120

2.6

117

2.5

94

163

3.7

122

2.6

116

2.5

111

2.4

95

152

3.4

115

2.5

111

2.4

104

2.2

96

141

3.1

109

2.3

105

2.2

99

2.1

97

130

2.8

104

2.2

99

2.1

93

2.0

98

121

2.6

98

2.1

94

2.0

88

1.8

99

111

2.4

92

1.9

89

1.9

83

1.7

100

102

2.1

87

1.8

84

1.7

78

1.6

PERIOD

NPV of an annuity of $1

at 1 month increments

@ 6%

40 Months 41 Months 42 Months 43 Months 44 Months 45 Months 46 Months 47 Months 48 Months

5 Years 6 Years 7 Years 8 Years 9 Years 10 Years

2.9370 3.0031 3.0691 3.1351 3.2011 3.2671 3.3331 3.3991 3.4651 4.2124 4.9173 5.5824 6.2098 6.8017 7.3601

DWRF Entry Level for 2002

$270.06

(1),(2),(3)&(4) NOTE: Factors are annuities per dollar of weekly compensation benefit from the attained age indicated.

(1) SOURCE: 1983 female mortality table, plus remarriage study of Ohio death claim dependents conducted in 1993, 6% interest (2),(3),(4) SOURCE: 1993 Mortality Study of Ohio permanent total disability claims, 6% interest

(Effective 1/1/02)

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