Rates effective in 2019 valuation year
For generational mortality purposes, these base mortality rates are as of June 30, 2019.
The use of the demographic actuarial assumptions provided on this website by anyone else other than a qualified actuary is not recommended. The user of such information must understand how to use this information appropriately. CalSTRS is not responsible for misuse of the actuarial assumptions provided here.
Retired members
Age |
Male |
Female |
15 |
0.00028 |
0.00015 |
16 |
0.00034 |
0.00017 |
17 |
0.00039 |
0.00020 |
18 |
0.00045 |
0.00022 |
19 |
0.00051 |
0.00024 |
20 |
0.00057 |
0.00025 |
21 |
0.00063 |
0.00027 |
22 |
0.00070 |
0.00028 |
23 |
0.00076 |
0.00029 |
24 |
0.00079 |
0.00029 |
25 |
0.00080 |
0.00029 |
26 |
0.00075 |
0.00029 |
27 |
0.00072 |
0.00030 |
28 |
0.00070 |
0.00030 |
29 |
0.00069 |
0.00031 |
30 |
0.00069 |
0.00032 |
31 |
0.00070 |
0.00033 |
32 |
0.00072 |
0.00035 |
33 |
0.00074 |
0.00037 |
34 |
0.00076 |
0.00039 |
35 |
0.00079 |
0.00041 |
36 |
0.00081 |
0.00044 |
37 |
0.00083 |
0.00046 |
38 |
0.00085 |
0.00049 |
39 |
0.00089 |
0.00051 |
40 |
0.00092 |
0.00054 |
41 |
0.00097 |
0.00057 |
42 |
0.00104 |
0.00060 |
43 |
0.00112 |
0.00065 |
44 |
0.00123 |
0.00071 |
45 |
0.00136 |
0.00077 |
46 |
0.00151 |
0.00085 |
47 |
0.00169 |
0.00094 |
48 |
0.00189 |
0.00105 |
49 |
0.00211 |
0.00117 |
50 |
0.00235 |
0.00131 |
51 |
0.00262 |
0.00146 |
52 |
0.00282 |
0.00161 |
53 |
0.00303 |
0.00179 |
54 |
0.00325 |
0.00196 |
55 |
0.00346 |
0.00206 |
56 |
0.00370 |
0.00217 |
57 |
0.00390 |
0.00229 |
58 |
0.00412 |
0.00242 |
59 |
0.00437 |
0.00257 |
60 |
0.00464 |
0.00274 |
61 |
0.00494 |
0.00293 |
62 |
0.00528 |
0.00315 |
63 |
0.00566 |
0.00340 |
64 |
0.00610 |
0.00368 |
65 |
0.00659 |
0.00413 |
66 |
0.00717 |
0.00461 |
67 |
0.00784 |
0.00510 |
68 |
0.00862 |
0.00563 |
69 |
0.00952 |
0.00620 |
70 |
0.01056 |
0.00681 |
71 |
0.01185 |
0.00767 |
72 |
0.01331 |
0.00865 |
73 |
0.01497 |
0.00977 |
74 |
0.01684 |
0.01105 |
75 |
0.01894 |
0.01252 |
76 |
0.02132 |
0.01421 |
77 |
0.02403 |
0.01616 |
78 |
0.02712 |
0.01841 |
79 |
0.03066 |
0.02101 |
80 |
0.03475 |
0.02401 |
81 |
0.03947 |
0.02749 |
82 |
0.04494 |
0.03151 |
83 |
0.05124 |
0.03619 |
84 |
0.05850 |
0.04160 |
85 |
0.06682 |
0.04788 |
86 |
0.07636 |
0.05519 |
87 |
0.08726 |
0.06368 |
88 |
0.09959 |
0.07345 |
89 |
0.11360 |
0.08474 |
90 |
0.12893 |
0.09746 |
91 |
0.14551 |
0.11167 |
92 |
0.16295 |
0.12726 |
93 |
0.18130 |
0.14435 |
94 |
0.20035 |
0.16278 |
95 |
0.22038 |
0.18269 |
96 |
0.24012 |
0.20103 |
97 |
0.26078 |
0.22042 |
98 |
0.28239 |
0.24095 |
99 |
0.30242 |
0.26088 |
100 |
0.32276 |
0.28094 |
101 |
0.34305 |
0.30130 |
102 |
0.36333 |
0.32198 |
103 |
0.38305 |
0.34246 |
104 |
0.40227 |
0.36275 |
105 |
0.42085 |
0.38268 |
106 |
0.43894 |
0.40233 |
107 |
0.45597 |
0.42115 |
108 |
0.47212 |
0.43922 |
109 |
0.48735 |
0.45648 |
110 |
0.49425 |
0.47310 |
111 |
0.49534 |
0.48854 |
112 |
0.49644 |
0.49644 |
113 |
0.49753 |
0.49753 |
114 |
0.49890 |
0.49890 |
115 |
0.50000 |
0.50000 |
116 |
0.50000 |
0.50000 |
117 |
0.50000 |
0.50000 |
118 |
0.50000 |
0.50000 |
119 |
0.50000 |
0.50000 |
120 |
1.00000 |
1.00000 |
121 |
1.00000 |
1.00000 |
122 |
1.00000 |
1.00000 |
123 |
1.00000 |
1.00000 |
124 |
1.00000 |
1.00000 |
Beneficiaries
Age |
Male |
Female |
15 |
0.00028 |
0.00015 |
16 |
0.00034 |
0.00017 |
17 |
0.00039 |
0.00020 |
18 |
0.00045 |
0.00022 |
19 |
0.00051 |
0.00024 |
20 |
0.00057 |
0.00025 |
21 |
0.00063 |
0.00027 |
22 |
0.00070 |
0.00028 |
23 |
0.00076 |
0.00029 |
24 |
0.00079 |
0.00029 |
25 |
0.00080 |
0.00029 |
26 |
0.00075 |
0.00029 |
27 |
0.00072 |
0.00030 |
28 |
0.00070 |
0.00030 |
29 |
0.00069 |
0.00031 |
30 |
0.00069 |
0.00032 |
31 |
0.00070 |
0.00033 |
32 |
0.00072 |
0.00035 |
33 |
0.00074 |
0.00037 |
34 |
0.00076 |
0.00039 |
35 |
0.00079 |
0.00041 |
36 |
0.00081 |
0.00044 |
37 |
0.00083 |
0.00046 |
38 |
0.00085 |
0.00049 |
39 |
0.00089 |
0.00051 |
40 |
0.00092 |
0.00054 |
41 |
0.00097 |
0.00057 |
42 |
0.00104 |
0.00060 |
43 |
0.00112 |
0.00065 |
44 |
0.00123 |
0.00071 |
45 |
0.00136 |
0.00077 |
46 |
0.00151 |
0.00085 |
47 |
0.00169 |
0.00094 |
48 |
0.00189 |
0.00105 |
49 |
0.00211 |
0.00117 |
50 |
0.00235 |
0.00131 |
51 |
0.00262 |
0.00146 |
52 |
0.00282 |
0.00161 |
53 |
0.00303 |
0.00179 |
54 |
0.00325 |
0.00196 |
55 |
0.00346 |
0.00206 |
56 |
0.00370 |
0.00217 |
57 |
0.00390 |
0.00229 |
58 |
0.00412 |
0.00242 |
59 |
0.00437 |
0.00257 |
60 |
0.00464 |
0.00274 |
61 |
0.00494 |
0.00293 |
62 |
0.00528 |
0.00315 |
63 |
0.00566 |
0.00340 |
64 |
0.00610 |
0.00368 |
65 |
0.00659 |
0.00413 |
66 |
0.00717 |
0.00461 |
67 |
0.00784 |
0.00510 |
68 |
0.00862 |
0.00563 |
69 |
0.00952 |
0.00620 |
70 |
0.01056 |
0.00681 |
71 |
0.01185 |
0.00767 |
72 |
0.01331 |
0.00865 |
73 |
0.01497 |
0.00977 |
74 |
0.01684 |
0.01105 |
75 |
0.01894 |
0.01252 |
76 |
0.02132 |
0.01421 |
77 |
0.02403 |
0.01616 |
78 |
0.02712 |
0.01841 |
79 |
0.03066 |
0.02101 |
80 |
0.03475 |
0.02401 |
81 |
0.03947 |
0.02749 |
82 |
0.04494 |
0.03151 |
83 |
0.05124 |
0.03619 |
84 |
0.05850 |
0.04160 |
85 |
0.06682 |
0.04788 |
86 |
0.07636 |
0.05519 |
87 |
0.08726 |
0.06368 |
88 |
0.09959 |
0.07345 |
89 |
0.11360 |
0.08474 |
90 |
0.12893 |
0.09746 |
91 |
0.14551 |
0.11167 |
92 |
0.16295 |
0.12726 |
93 |
0.18130 |
0.14435 |
94 |
0.20035 |
0.16278 |
95 |
0.22038 |
0.18269 |
96 |
0.24012 |
0.20103 |
97 |
0.26078 |
0.22042 |
98 |
0.28239 |
0.24095 |
99 |
0.30242 |
0.26088 |
100 |
0.32276 |
0.28094 |
101 |
0.34305 |
0.30130 |
102 |
0.36333 |
0.32198 |
103 |
0.38305 |
0.34246 |
104 |
0.40227 |
0.36275 |
105 |
0.42085 |
0.38268 |
106 |
0.43894 |
0.40233 |
107 |
0.45597 |
0.42115 |
108 |
0.47212 |
0.43922 |
109 |
0.48735 |
0.45648 |
110 |
0.49425 |
0.47310 |
111 |
0.49534 |
0.48854 |
112 |
0.49644 |
0.49644 |
113 |
0.49753 |
0.49753 |
114 |
0.49890 |
0.49890 |
115 |
0.50000 |
0.50000 |
116 |
0.50000 |
0.50000 |
117 |
0.50000 |
0.50000 |
118 |
0.50000 |
0.50000 |
119 |
0.50000 |
0.50000 |
120 |
1.00000 |
1.00000 |
121 |
1.00000 |
1.00000 |
122 |
1.00000 |
1.00000 |
123 |
1.00000 |
1.00000 |
124 |
1.00000 |
1.00000 |
Disabled (after three years)
Age |
Male |
Female |
15 |
0.00028 |
0.00015 |
16 |
0.00034 |
0.00017 |
17 |
0.00039 |
0.00020 |
18 |
0.00045 |
0.00022 |
19 |
0.00051 |
0.00024 |
20 |
0.00544 |
0.00205 |
21 |
0.00611 |
0.00211 |
22 |
0.00673 |
0.00211 |
23 |
0.00744 |
0.00211 |
24 |
0.00809 |
0.00211 |
25 |
0.00843 |
0.00216 |
26 |
0.00855 |
0.00220 |
27 |
0.00802 |
0.00226 |
28 |
0.00766 |
0.00233 |
29 |
0.00744 |
0.00244 |
30 |
0.00736 |
0.00256 |
31 |
0.00739 |
0.00268 |
32 |
0.00749 |
0.00284 |
33 |
0.00767 |
0.00301 |
34 |
0.00790 |
0.00318 |
35 |
0.00815 |
0.00336 |
36 |
0.00842 |
0.00354 |
37 |
0.00867 |
0.00373 |
38 |
0.00888 |
0.00391 |
39 |
0.00913 |
0.00414 |
40 |
0.00945 |
0.00442 |
41 |
0.00986 |
0.00476 |
42 |
0.01041 |
0.00516 |
43 |
0.01112 |
0.00564 |
44 |
0.01201 |
0.00622 |
45 |
0.01314 |
0.00689 |
46 |
0.01452 |
0.00768 |
47 |
0.01612 |
0.00856 |
48 |
0.01679 |
0.00912 |
49 |
0.01744 |
0.00967 |
50 |
0.01807 |
0.01021 |
51 |
0.01869 |
0.01074 |
52 |
0.01930 |
0.01127 |
53 |
0.01989 |
0.01178 |
54 |
0.02046 |
0.01228 |
55 |
0.02102 |
0.01277 |
56 |
0.02157 |
0.01324 |
57 |
0.02211 |
0.01370 |
58 |
0.02266 |
0.01415 |
59 |
0.02324 |
0.01461 |
60 |
0.02384 |
0.01507 |
61 |
0.02448 |
0.01556 |
62 |
0.02517 |
0.01608 |
63 |
0.02594 |
0.01666 |
64 |
0.02679 |
0.01729 |
65 |
0.02774 |
0.01800 |
66 |
0.02880 |
0.01881 |
67 |
0.02998 |
0.01974 |
68 |
0.03130 |
0.02079 |
69 |
0.03277 |
0.02200 |
70 |
0.03440 |
0.02337 |
71 |
0.03620 |
0.02493 |
72 |
0.03818 |
0.02669 |
73 |
0.04035 |
0.02865 |
74 |
0.04274 |
0.03084 |
75 |
0.04536 |
0.03326 |
76 |
0.04822 |
0.03592 |
77 |
0.05137 |
0.03884 |
78 |
0.05482 |
0.04202 |
79 |
0.05861 |
0.04549 |
80 |
0.06279 |
0.04926 |
81 |
0.06740 |
0.05334 |
82 |
0.07249 |
0.05775 |
83 |
0.07812 |
0.06252 |
84 |
0.08434 |
0.06766 |
85 |
0.09122 |
0.07320 |
86 |
0.09887 |
0.07920 |
87 |
0.10739 |
0.08570 |
88 |
0.11672 |
0.09264 |
89 |
0.12707 |
0.10017 |
90 |
0.13840 |
0.10820 |
91 |
0.15093 |
0.11691 |
92 |
0.16461 |
0.12621 |
93 |
0.17857 |
0.13661 |
94 |
0.19261 |
0.14790 |
95 |
0.20697 |
0.16019 |
96 |
0.22179 |
0.17353 |
97 |
0.23688 |
0.18772 |
98 |
0.25237 |
0.20282 |
99 |
0.26802 |
0.21856 |
100 |
0.28397 |
0.23499 |
101 |
0.30021 |
0.25207 |
102 |
0.31695 |
0.26988 |
103 |
0.33385 |
0.28808 |
104 |
0.35109 |
0.30677 |
105 |
0.36868 |
0.32588 |
106 |
0.38684 |
0.34555 |
107 |
0.40517 |
0.36536 |
108 |
0.42388 |
0.38544 |
109 |
0.44185 |
0.40501 |
110 |
0.45925 |
0.42418 |
111 |
0.47552 |
0.44238 |
112 |
0.49085 |
0.45976 |
113 |
0.49753 |
0.47624 |
114 |
0.49890 |
0.49205 |
115 |
0.50000 |
0.50000 |
116 |
0.50000 |
0.50000 |
117 |
0.50000 |
0.50000 |
118 |
0.50000 |
0.50000 |
119 |
0.50000 |
0.50000 |
120 |
1.00000 |
1.00000 |
121 |
1.00000 |
1.00000 |
122 |
1.00000 |
1.00000 |
123 |
1.00000 |
1.00000 |
124 |
1.00000 |
1.00000 |
Year |
Male |
Female |
First |
0.04000 |
0.03000 |
Second |
0.03500 |
0.02500 |
Third |
0.03000 |
0.02000 |
Active members
Age |
Male |
Female |
15 |
0.00013 |
0.000069 |
16 |
0.00018 |
0.000085 |
17 |
0.00024 |
0.000093 |
18 |
0.00027 |
0.000101 |
19 |
0.00028 |
0.000101 |
20 |
0.00026 |
0.000101 |
21 |
0.00023 |
0.000093 |
22 |
0.00019 |
0.000077 |
23 |
0.00016 |
0.000069 |
24 |
0.00014 |
0.000069 |
25 |
0.00012 |
0.000069 |
26 |
0.00013 |
0.000077 |
27 |
0.00014 |
0.000077 |
28 |
0.00015 |
0.000085 |
29 |
0.00016 |
0.000093 |
30 |
0.00017 |
0.000108 |
31 |
0.00019 |
0.000116 |
32 |
0.00019 |
0.000123 |
33 |
0.00021 |
0.000132 |
34 |
0.00022 |
0.000147 |
35 |
0.00023 |
0.000154 |
36 |
0.00025 |
0.000169 |
37 |
0.00026 |
0.000185 |
38 |
0.00029 |
0.000200 |
39 |
0.00030 |
0.000223 |
40 |
0.00032 |
0.000239 |
41 |
0.00035 |
0.000261 |
42 |
0.00039 |
0.000286 |
43 |
0.00042 |
0.000316 |
44 |
0.00046 |
0.000339 |
45 |
0.00052 |
0.000369 |
46 |
0.00057 |
0.000408 |
47 |
0.00063 |
0.000446 |
48 |
0.00070 |
0.000486 |
49 |
0.00077 |
0.000523 |
50 |
0.00085 |
0.000562 |
51 |
0.00094 |
0.000608 |
52 |
0.00102 |
0.000662 |
53 |
0.00112 |
0.000708 |
54 |
0.00122 |
0.000762 |
55 |
0.00132 |
0.000824 |
56 |
0.00144 |
0.000885 |
57 |
0.00156 |
0.000954 |
58 |
0.00170 |
0.001039 |
59 |
0.00186 |
0.001131 |
60 |
0.00203 |
0.001239 |
61 |
0.00224 |
0.001363 |
62 |
0.00247 |
0.001508 |
63 |
0.00272 |
0.001670 |
64 |
0.00302 |
0.001862 |
65 |
0.00335 |
0.002077 |
66 |
0.00370 |
0.002324 |
67 |
0.00409 |
0.002600 |
68 |
0.00452 |
0.002924 |
69 |
0.00498 |
0.003301 |
70 |
0.00546 |
0.003733 |
71 |
0.00596 |
0.004232 |
72 |
0.00649 |
0.004810 |
73 |
0.00705 |
0.005463 |
74 |
0.00764 |
0.006225 |
75 |
0.00829 |
0.007087 |
76 |
0.00950 |
0.008126 |
77 |
0.01088 |
0.009318 |
78 |
0.01247 |
0.010688 |
79 |
0.01430 |
0.012250 |
80 |
0.01639 |
0.014050 |