User Manual - ILO/PENSIONS - Actuarial Model: PAG EN° English Portuguese 77
User Manual - ILO/PENSIONS - Actuarial Model: PAG EN° English Portuguese 77
User Manual - ILO/PENSIONS - Actuarial Model: PAG EN° English Portuguese 77
𝒄𝒂𝒓 𝒄𝒂𝒓
𝑐̂𝑡 𝑐̂𝑡
𝑚𝑎𝑥(𝑐̂−𝑐̂𝑡,0) 𝑚𝑎𝑥(𝑐̂−𝑐̂𝑡,0)
𝑓𝑙𝑎𝑡𝑡 𝑓𝑙𝑎𝑡𝑡
𝑓𝑙𝑎𝑡𝑡+(𝑎𝑡+𝑏𝑡∙𝑐̂𝑎𝑟)∙𝑅𝑒𝑓𝑆𝑎𝑙 𝑓𝑙𝑎𝑡𝑡+(𝑎𝑡+𝑏𝑡∙𝑐̂𝑎𝑟)∙𝑅𝑒𝑓𝑆𝑎𝑙
𝑷𝒆𝒏𝒔 𝑷𝒆𝒏𝒔
𝑚𝑖𝑛𝑝𝑒𝑛𝑠𝑡 𝑚𝑖𝑛𝑝𝑒𝑛𝑠𝑡
𝑚𝑎𝑥𝑝𝑒𝑛𝑠𝑡 𝑚𝑎𝑥𝑝𝑒𝑛𝑠𝑡
𝑃𝑒𝑛𝑠=𝑚𝑖𝑛[𝑚𝑎𝑥(𝑚𝑖𝑛𝑝𝑒𝑛𝑠𝑡,𝑅𝑒𝑓𝑃𝑒𝑛𝑠),𝑚𝑖𝑛𝑝𝑒𝑛𝑠 𝑃𝑒𝑛𝑠=𝑚𝑖𝑛[𝑚𝑎𝑥(𝑚𝑖𝑛𝑝𝑒𝑛𝑠𝑡,𝑅𝑒𝑓𝑃𝑒𝑛𝑠),𝑚𝑖𝑛𝑝𝑒𝑛𝑠
𝑡] 𝑡]
𝑅𝑒𝑓𝑆𝑎𝑙 𝑅𝑒𝑓𝑆𝑎𝑙
𝑐̂𝑟𝑒𝑓𝑡 𝑐̂𝑟𝑒𝑓𝑡
𝒍𝒖𝒎𝒑𝒔𝒖𝒎 𝒍𝒖𝒎𝒑𝒔𝒖𝒎
𝑧𝑡 𝑧𝑡
𝑙𝑢𝑚𝑝𝑠𝑢𝑚=𝑐̂∙𝑧𝑡∙𝑅𝑒𝑓𝑆𝑎𝑙 𝑙𝑢𝑚𝑝𝑠𝑢𝑚=𝑐̂∙𝑧𝑡∙𝑅𝑒𝑓𝑆𝑎𝑙
86 𝑁𝐴𝑇𝑃𝑂𝑃𝑡𝑠 𝑁𝐴𝑇𝑃𝑂𝑃𝑡𝑠
𝑃𝑎𝑟𝑡𝑟𝑡𝑠 𝑃𝑎𝑟𝑡𝑟𝑡𝑠
𝐿𝐹𝑡𝑠=𝑁𝐴𝑇𝑃𝑂𝑃𝑡𝑠∙𝑃𝑎𝑟𝑡𝑟𝑡𝑠 𝐿𝐹𝑡𝑠=𝑁𝐴𝑇𝑃𝑂𝑃𝑡𝑠∙𝑃𝑎𝑟𝑡𝑟𝑡𝑠
𝑇𝑎𝑐̂𝑡𝑔,𝑡𝑠 𝑇𝑎𝑐̂𝑡𝑔,𝑡𝑠
𝐶𝑜𝑣,𝑔𝑡𝑠 𝐶𝑜𝑣,𝑔𝑡𝑠
𝑇𝑎𝑐̂𝑡𝑔,𝑡𝑠=(𝑐̂𝑜𝑣𝑔,𝑡𝑠)∙𝐿𝐹𝑡𝑠∙(1−𝑢𝑛𝑒𝑚𝑟𝑎𝑡𝑒𝑡𝑠) 𝑅𝑒𝑓𝑆𝑎𝑙
88 =MIN(C3+.05,.7) =MÍNIMO(C3+,05;,7)
90 =LN(ROW()-1)/6 =LN(LIN()-1)/6
=30*LN(0.8*B3) =30*LN(0,8*B3)
=25*LN(B3) =25*LN(B3)
98 =0.098*(1-LN(1+(0.8+(C$2- =0,098*(1-LN(1+(0,8+(C$2-
Base_y)*0.001)*$B3)/LN(80+(C$2-Base_y)*0.1)) Base_y)*0,001)*$B3)/LN(80+(C$2-Base_y)*0,1))
+EXP((12+(C$2-Base_y)*0.06)*($B3/100-1)) +EXP((12+(C$2-Base_y)*0,06)*($B3/100-1))
𝑞(𝑥)=0.098[1−𝑙𝑛(1+(0.8+𝑡∗0.001)𝑥)/𝑙𝑛(80+0.1𝑡)]+𝑒( 𝑞(𝑥)=0,098[1−𝑙𝑛(1+(0,8+𝑡∗0,001)𝑥)/𝑙𝑛(80+0,1𝑡)]+𝑒(
12+0.06𝑡)(𝑥100−1) 12+0,06𝑡)(𝑥100−1)
𝑞(𝑥)=0.089[1−𝑙𝑛(1+(0.7+0.001𝑡)𝑥/𝑙𝑛(70+0.1𝑡)]+𝑒(𝑥10 𝑞(𝑥)=0,089[1−𝑙𝑛(1+(0,7+0,001𝑡)𝑥/𝑙𝑛(70+0,1𝑡)]+𝑒(𝑥10
0−1)(14+0.05𝑡) 0−1)(14+0,05𝑡)
=0.089*(1-LN(1+(0.7+(C$2- =0,089*(1-LN(1+(0,7+(C$2-
Base_y)*0.002)*$B3)/LN(70+(C$2-Base_y)*0.2)) Base_y)*0,002)*$B3)/LN(70+(C$2-Base_y)*0,2))
+EXP((14+(C$2-Base_y)*0.04)*($B3/100-1)) +EXP((14+(C$2-Base_y)*0,04)*($B3/100-1))
𝑞𝑖(𝑥)=0.098[1−𝑙𝑛(1+(0.8+𝑡∗0.002)𝑥)/𝑙𝑛(80+0.2𝑡)]+𝑒 𝑞𝑖(𝑥)=0,098[1−𝑙𝑛(1+(0,8+𝑡∗0,002)𝑥)/𝑙𝑛(80+0,2𝑡)]+𝑒
(12+0.03𝑡)(𝑥100−1) (12+0,03𝑡)(𝑥100−1)
𝑞𝑖(𝑥)=0.089[1−𝑙𝑛(1+(0.7+0.002𝑡)𝑥/𝑙𝑛(70+0.2𝑡)]+𝑒(𝑥1 𝑞𝑖(𝑥)=0,089[1−𝑙𝑛(1+(0,7+0,002𝑡)𝑥/𝑙𝑛(70+0,2𝑡)]+𝑒(𝑥1
00−1)(14+0.04𝑡) 00−1)(14+0,04𝑡)
=EXP($B3/70)/150. =EXP($B3/70)/150.