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  {
   "career_average_wage": 220000,
   "career_years": 40,
   "total_premiums": 51040,
   "pv_premiums_at_4pct": 38330,
   "max_benefit": 36500,
   "pv_max_benefit_at_85": 14398,
   "benefit_to_premium_ratio": 0.72,
   "pv_benefit_to_pv_premium_ratio": 0.38
  },
  {
   "career_average_wage": 230000,
   "career_years": 40,
   "total_premiums": 53360,
   "pv_premiums_at_4pct": 40073,
   "max_benefit": 36500,
   "pv_max_benefit_at_85": 14398,
   "benefit_to_premium_ratio": 0.68,
   "pv_benefit_to_pv_premium_ratio": 0.36
  },
  {
   "career_average_wage": 240000,
   "career_years": 40,
   "total_premiums": 55680,
   "pv_premiums_at_4pct": 41815,
   "max_benefit": 36500,
   "pv_max_benefit_at_85": 14398,
   "benefit_to_premium_ratio": 0.66,
   "pv_benefit_to_pv_premium_ratio": 0.34
  },
  {
   "career_average_wage": 250000,
   "career_years": 40,
   "total_premiums": 58000,
   "pv_premiums_at_4pct": 43557,
   "max_benefit": 36500,
   "pv_max_benefit_at_85": 14398,
   "benefit_to_premium_ratio": 0.63,
   "pv_benefit_to_pv_premium_ratio": 0.33
  },
  {
   "career_average_wage": 260000,
   "career_years": 40,
   "total_premiums": 60320,
   "pv_premiums_at_4pct": 45300,
   "max_benefit": 36500,
   "pv_max_benefit_at_85": 14398,
   "benefit_to_premium_ratio": 0.61,
   "pv_benefit_to_pv_premium_ratio": 0.32
  },
  {
   "career_average_wage": 270000,
   "career_years": 40,
   "total_premiums": 62640,
   "pv_premiums_at_4pct": 47042,
   "max_benefit": 36500,
   "pv_max_benefit_at_85": 14398,
   "benefit_to_premium_ratio": 0.58,
   "pv_benefit_to_pv_premium_ratio": 0.31
  },
  {
   "career_average_wage": 280000,
   "career_years": 40,
   "total_premiums": 64960,
   "pv_premiums_at_4pct": 48784,
   "max_benefit": 36500,
   "pv_max_benefit_at_85": 14398,
   "benefit_to_premium_ratio": 0.56,
   "pv_benefit_to_pv_premium_ratio": 0.3
  },
  {
   "career_average_wage": 290000,
   "career_years": 40,
   "total_premiums": 67280,
   "pv_premiums_at_4pct": 50526,
   "max_benefit": 36500,
   "pv_max_benefit_at_85": 14398,
   "benefit_to_premium_ratio": 0.54,
   "pv_benefit_to_pv_premium_ratio": 0.28
  },
  {
   "career_average_wage": 300000,
   "career_years": 40,
   "total_premiums": 69600,
   "pv_premiums_at_4pct": 52269,
   "max_benefit": 36500,
   "pv_max_benefit_at_85": 14398,
   "benefit_to_premium_ratio": 0.52,
   "pv_benefit_to_pv_premium_ratio": 0.28
  }
 ],
 "scen": [
  {
   "scenario_id": "base",
   "scenario": "Base: 40-year career (ages 25-64), flat real wage, benefit used at 85, 4.0% discount rate",
   "premium_years": 40,
   "years_until_benefit_used": 60,
   "nominal_discount_rate": 0.04,
   "break_even_wage_simple": 157300,
   "break_even_wage_present_value": 82600
  },
  {
   "scenario_id": "claim-80",
   "scenario": "Benefit used at 80 instead of 85",
   "premium_years": 40,
   "years_until_benefit_used": 55,
   "nominal_discount_rate": 0.04,
   "break_even_wage_simple": 157300,
   "break_even_wage_present_value": 89300
  },
  {
   "scenario_id": "claim-75",
   "scenario": "Benefit used at 75 instead of 85",
   "premium_years": 40,
   "years_until_benefit_used": 50,
   "nominal_discount_rate": 0.04,
   "break_even_wage_simple": 157300,
   "break_even_wage_present_value": 96500
  },
  {
   "scenario_id": "rising-wage",
   "scenario": "Wage rises 1.12% a year faster than prices over the career (same career average)",
   "premium_years": 40,
   "years_until_benefit_used": 60,
   "nominal_discount_rate": 0.04,
   "break_even_wage_simple": 157300,
   "break_even_wage_present_value": 84600
  },
  {
   "scenario_id": "disc-3",
   "scenario": "Discount rate 3.0% instead of 4.0%",
   "premium_years": 40,
   "years_until_benefit_used": 60,
   "nominal_discount_rate": 0.03,
   "break_even_wage_simple": 157300,
   "break_even_wage_present_value": 123900
  },
  {
   "scenario_id": "disc-5",
   "scenario": "Discount rate 5.0% instead of 4.0%",
   "premium_years": 40,
   "years_until_benefit_used": 60,
   "nominal_discount_rate": 0.05,
   "break_even_wage_simple": 157300,
   "break_even_wage_present_value": 54700
  },
  {
   "scenario_id": "career-30",
   "scenario": "30 years of premiums (age 35 in 2026, works through 64), benefit used at 85",
   "premium_years": 30,
   "years_until_benefit_used": 50,
   "nominal_discount_rate": 0.04,
   "break_even_wage_simple": 209800,
   "break_even_wage_present_value": 119900
  },
  {
   "scenario_id": "career-20",
   "scenario": "20 years of premiums (age 45 in 2026, works through 64), benefit used at 85",
   "premium_years": 20,
   "years_until_benefit_used": 40,
   "nominal_discount_rate": 0.04,
   "break_even_wage_simple": 314700,
   "break_even_wage_present_value": 195300
  },
  {
   "scenario_id": "career-10",
   "scenario": "10 years of premiums (age 55 in 2026, works through 64), benefit used at 85",
   "premium_years": 10,
   "years_until_benefit_used": 30,
   "nominal_discount_rate": 0.04,
   "break_even_wage_simple": 629300,
   "break_even_wage_present_value": 423400
  },
  {
   "scenario_id": "near-retiree",
   "scenario": "Born before 1968: each year of premiums earns 10% of the maximum benefit ($3,650)",
   "premium_years": 1,
   "years_until_benefit_used": null,
   "nominal_discount_rate": null,
   "break_even_wage_simple": 629300,
   "break_even_wage_present_value": null
  }
 ],
 "dist": [
  {
   "point_id": "p10",
   "point": "10th percentile",
   "annual_wage_may_2025": 38670,
   "total_premiums_40yr": 8971,
   "pv_premiums_40yr": 6737,
   "max_benefit": 36500,
   "pv_max_benefit_at_85": 14398,
   "pays_more_than_max_benefit_simple": "no",
   "pays_more_than_pv_max_benefit": "no"
  },
  {
   "point_id": "p25",
   "point": "25th percentile",
   "annual_wage_may_2025": 47020,
   "total_premiums_40yr": 10909,
   "pv_premiums_40yr": 8192,
   "max_benefit": 36500,
   "pv_max_benefit_at_85": 14398,
   "pays_more_than_max_benefit_simple": "no",
   "pays_more_than_pv_max_benefit": "no"
  },
  {
   "point_id": "p50",
   "point": "Median",
   "annual_wage_may_2025": 62990,
   "total_premiums_40yr": 14614,
   "pv_premiums_40yr": 10975,
   "max_benefit": 36500,
   "pv_max_benefit_at_85": 14398,
   "pays_more_than_max_benefit_simple": "no",
   "pays_more_than_pv_max_benefit": "no"
  },
  {
   "point_id": "mean",
   "point": "Mean",
   "annual_wage_may_2025": 83330,
   "total_premiums_40yr": 19333,
   "pv_premiums_40yr": 14518,
   "max_benefit": 36500,
   "pv_max_benefit_at_85": 14398,
   "pays_more_than_max_benefit_simple": "no",
   "pays_more_than_pv_max_benefit": "yes"
  },
  {
   "point_id": "p75",
   "point": "75th percentile",
   "annual_wage_may_2025": 101710,
   "total_premiums_40yr": 23597,
   "pv_premiums_40yr": 17721,
   "max_benefit": 36500,
   "pv_max_benefit_at_85": 14398,
   "pays_more_than_max_benefit_simple": "no",
   "pays_more_than_pv_max_benefit": "yes"
  },
  {
   "point_id": "p90",
   "point": "90th percentile",
   "annual_wage_may_2025": 153630,
   "total_premiums_40yr": 35642,
   "pv_premiums_40yr": 26767,
   "max_benefit": 36500,
   "pv_max_benefit_at_85": 14398,
   "pays_more_than_max_benefit_simple": "no",
   "pays_more_than_pv_max_benefit": "yes"
  }
 ],
 "params": [
  {
   "parameter_id": "premium-rate",
   "parameter": "Premium rate",
   "value": "0.58% of wages; from 2026 the Pension Funding Council may set a lower rate but not a higher one",
   "legal_citation": "RCW 50B.04.080(1)",
   "source_id": "rcw-50b04"
  },
  {
   "parameter_id": "wage-cap",
   "parameter": "Wage cap",
   "value": "None: all wages are subject to the premium",
   "legal_citation": "RCW 50B.04.010(16)",
   "source_id": "rcw-50b04"
  },
  {
   "parameter_id": "collection-start",
   "parameter": "Premium collection began",
   "value": "2023-07-01, after the 2022 Legislature delayed it from 2022-01-01",
   "legal_citation": "RCW 50B.04.080(1); SHB 1732 (2022)",
   "source_id": "shb-1732"
  },
  {
   "parameter_id": "benefit-unit",
   "parameter": "Benefit unit",
   "value": "Up to $100 of approved services on a given day, adjusted each January 1 by the Seattle-area CPI-W",
   "legal_citation": "RCW 50B.04.010(3)",
   "source_id": "rcw-50b04"
  },
  {
   "parameter_id": "lifetime-max",
   "parameter": "Lifetime maximum",
   "value": "365 benefit units ($36,500 as of July 2026); units can be combined, so there is no daily limit",
   "legal_citation": "RCW 50B.04.060(3)(b)",
   "source_id": "rcw-50b04"
  },
  {
   "parameter_id": "vesting",
   "parameter": "Full vesting",
   "value": "10 years of premiums, or 3 of the last 6 years, with at least 500 hours worked in each of those years",
   "legal_citation": "RCW 50B.04.050(1),(3)",
   "source_id": "rcw-50b04"
  },
  {
   "parameter_id": "near-retiree",
   "parameter": "Near-retirees (born before 1968)",
   "value": "10% of the maximum benefit for each year of premiums",
   "legal_citation": "RCW 50B.04.050(2)",
   "source_id": "rcw-50b04"
  },
  {
   "parameter_id": "benefits-start",
   "parameter": "Benefits payable",
   "value": "In Washington from 2026-07-01; for out-of-state participants from 2030-07-01",
   "legal_citation": "RCW 50B.04.060(1),(2)",
   "source_id": "rcw-50b04"
  },
  {
   "parameter_id": "portability",
   "parameter": "Moving out of state",
   "value": "From 2026-07-01, a person with 3 years of premiums can elect, within a year of moving, to keep paying premiums on all wages and stay covered",
   "legal_citation": "RCW 50B.04.180",
   "source_id": "rcw-50b04"
  },
  {
   "parameter_id": "private-exemption",
   "parameter": "Private-insurance exemption",
   "value": "Open 2021-10-01 to 2022-12-31 to holders of long-term care insurance bought before 2021-11-01; 480,366 approved; may be rescinded before 2028-07-01",
   "legal_citation": "RCW 50B.04.085",
   "source_id": "esd-exemptions"
  },
  {
   "parameter_id": "other-exemptions",
   "parameter": "Other voluntary exemptions (from 2023)",
   "value": "Veterans with a 70% or greater service-connected disability, military spouses and partners, active-duty members with civilian jobs, employees living outside Washington, temporary-visa holders",
   "legal_citation": "RCW 50B.04.053, 50B.04.055",
   "source_id": "rcw-50b04"
  }
 ]
}