Difference Between Annuities And Pensions

7 Signs It's Not The Time To Retire
Determining the right time to retire can become mind-numbingly complex when you consider all of the personal and financial factors that come into play. ... Read News

CAPPED VERSUS FLEXIBLE DRAWDOWN - Legal & General ...
There are a number of similarities and differences between these two options, which will • Purchased life annuities • Scheme pensions where there are less than 20 members, unless secured with a . lifetime annuity. LIFETIME ALLOWANCE . TEST AT AGE 75 . ... Return Doc

THE ABO, THE PBO, AND PENSION INVESTMENT POLICY
It argues that the pensions promised under defined benefit plans are best viewed as participating annuities with a guaranteed is the difference between its total assets (investments plus corporate pension guarantee, I+ G) and the ABO. ... View This Document

A Review Of Retirement Information For DC Members
* Are the annuities being offered to members competitive and appropriate to their difference to their income in retirement. They should: * seek advice and support subject to continuing dialogue between the Pensions Regulator and the trustees. ... Return Doc

Taxation In The Republic Of Ireland - Wikipedia, The Free ...
Schedule E: Income from public offices, employment, annuities, and pensions. Schedule F: Dividends from Irish companies. Tax year. Since the difference is that an inheritance is taken on death and a gift is taken other than on death. ... Read Article

Lesson TVM-10-060 - Clip 11 - Problem 5 - Annuity Due ...
Annuities in Retirement Plans Suck! (GoodFinancialCents.com) 1:37 Difference between Nominal Rate, Pensions & Lump Sums by Aaron Dunn 409 views Loading more suggestions Load more suggestions . Language: ... View Video

Civil Service Retirement System Annuitants And Social Security
Creased by 1 percent between 1975 and 1979 (to $667). Annuities were larger both because annui- on his or her own work plus the difference between that amount and the amount payable as a spouse or survi- pensions from noncovered government employment. ... Fetch Content

Understanding Military Retirement Pay (Page 4)
The military retirement pay system used to be easy to understand. Then, in the 80's Congress started making changes, making the system a little more complicated. ... Read Article

TATE NCOME 2010 ETIREMENT NCOME AX EAR - NCSL Home
A means of assisting retired public employees who received relatively small pensions. Over the years, many states have made age, Pensions and Annuities. http://www.state.nj.us/treasury/taxation/pdf/pubs/tgi-ee/git1.pdf NM: Source: Instructions for 2010 PIT-ADJ, ... Document Viewer

AN INTRODUCTION TO LIFE INSURANCE REPORTING
The difference between Premiums plus the Investment income earned less Claims and Expenses The difference between Premiums Term insurance Unit-linked pensions Annuities (immediate) With profit contracts Household Motor bodily injury Life insurance General insurance. 8 ... Return Doc

Social Security Debate In The United States - Wikipedia, The ...
Which pay workers after retirement through annuities funded by the individual accounts, To the extent that pension contributions are perceived as giving individuals rights to future pensions, It is an accounting of the difference between tax and benefit flows. When taxes exceed ... Read Article

First Briefing. RPI To CPI Indexation For pensions, July 2010
RPI to CPI indexation for pensions mean that the difference between LPI determined using the two measures in any year can How will insured annuities be affected? The terms on which the annuities were bought will have been set out as part of the terms of ... Retrieve Document

Company pensions: UK - YouTube
Ruth asks Yvonne Jenkins from www.pinkinvestments.org to explain the difference between final salary pension schemes and money purchase schemes. Category 4:11 Pension Annuities 11:36 Pensions and retirement crisis in the UK 2012 by tminvestuk 87 views ... View Video

Financial Services Commission Of Ontario Commission Des ...
All pension policies can be accessed from the Pensions section of the are no longer required to purchase annuities for members affected by a partial wind up who are receiving liabilities is known and the wind up surplus or deficit is calculated as the difference between the assets ... Retrieve Full Source

Judicial Survivors’ Annuities System Costs
June 2002 FEDERAL PENSIONS Judicial Survivors’ Annuities System Costs GAO-02-763. Page i GAO-02-763 Judicial Survivors' Annuities System Costs Contents Letter 1 Results in Brief 2 needed based on the difference between the present value of the expected ... Access Document

Cash Balance Plans: A New Approach For Pensions
A New Approach for Pensions Each type of pension plan has its own rules. survivor benefits can be the difference between retirement comfort and poverty. Sheet on Annuities.) In selecting your payout option, ... Fetch Doc

Defined Benefit Pens#963A9F
• Complying pensions commenced between 20/9/2004 and 31/12/2005 difference between the commutation value and account balance) can generally be: Lifetime annuities • Moving to a complying lifetime annuity offered ... Content Retrieval

How Your Retirement Benefits Are Taxed - Wisconsin Department ...
G. Annuities That Began After July 1, 1986, and Before January 1, includes pensions, annui-ties, distributions from qualified employee plans, • Form 1NPR — Consider the difference when completing the Wisconsin column of Form 1NPR. (Exception: ... Retrieve Here

Pension Protection Act - United States Senate Special ...
Requirements for defined benefit pensions. reductions in their lump sums than younger participants because part of their annuities. CRS-3 shows the percentage difference between the amounts in rows 1 and 4. Table 3. ... Fetch Here

Discussion Paper 01/08 - The University Of New South Wales
Difference between the purchase price and the EPDV and is therefore equal to 1 – MWR. It is Allocated/Account-based pensions TAPs Term Annuities Life Annuities Source: Plan for Life Research, The Pension and Annuity Market Research Report, Quarterly 1999-2007. 41 ... Read Full Source

Bold Type A NOTE FROM PAUL KENNY Understanding Pensions ...
Pensions Act, but also retirement annuities, buyout policies, PRSAs and unfunded schemes. Real Rate of Return The difference between the rate of return and a selected measure of inflation (often taken as CPI) over a period. ... Retrieve Doc

Financial Services Commission Of Ontario Commission Des ...
Issuers of annuities who agree to transfer funds to an LRIF or LIF are obligated to identify the commuted value of the The difference between the two amounts, if any, is the charge applied to effect the transfer. (2) Annuities purchased after October 1992 ... Access Doc

Tax-Danger For Pension Funds In The Netherlands Henk ...
Premiums for additional private pensions. The difference is only some psychology or sentiment. "deferred annuities" under the incorrect name of pension funds mean an intermediary station between salaries/wages and pensions. -- secondly, ... Document Viewer

Former Spouses Of Federal Employees - Open CRS
Retirement and Survivor Annuities for Former Spouses of Federal Employees Patrick Purcell Specialist in Income Security Domestic Social Policy Division Summary Another difference between ERISA and Title 5 is in the designation of beneficiaries ... Document Viewer

Annuities Options Retiring

Annuities: Plus Or Too Many Minuses? - Financial Freedom
Control over the market the day they're retiring." But that guarantee comes at a steep cost in the form of much lower returns, Commissions of 3% to as much as 12% encourage agents to promote annuities over other options, investment advisers complain. "They're sold to people. ... Return Doc

Self-invested Personal Pension - Wikipedia, The Free Encyclopedia
Futures and options traded on recognised futures exchange; Validated carbon credits (VCS & Gold standard) Authorised UK unit trusts and OEICs and other UCITS funds; Unauthorised unit trusts that do not invest in residential property; Unlisted Shares; ... Read Article

Payout Annuities - Equitable Life Insurance Company Of Canada
Payout Annuities Product at a Glance It’s a fact; Canadians are living longer and retiring earlier. The need to support a long, comfortable lifestyle is important to all of us. Product Options (& Issue Ages) • Life Annuity (16 – 86) ... Retrieve Doc

FSA Guide To Annuities And Retirement Options
Annuities and other retirement options Financial Services Authority August 2006 The Financial Services Authority – the UK’s financial watchdog Retiring gradually 16 Retiring later and postponing your 18 annuity Investment-linked annuities 20 ... Access This Document

THE FEDERAL CIVIL SERVICE RETIREMENT SYSTEM - The LSU AgCenter
Retirements and annuities available, calculation of annuities, procedures for retiring, and other general information on your retirement system. 4 G: The options vary by the amount of the reduction to the retiree’s benefit, ... Fetch Full Source

Will be giving serious consideration to providing retiring plan participants with options to convert at least a portion of their savings into retirement income. Only Annuities are ideally suited for the large majority of individuals. ... Access Content

Guide To annuities And Your options At retirement
Guide to annuities and your options at retirement What is an annuity? AN ANNUITY IS A GUARANTEED FIXED INCOME WHICH YOU BUY working could initially draw a smaller pension but increase the amount slowly until retiring fully. Or, take the tax free ... Read Full Source

Annuities And Retirement Planning - Personal Banking ...
Annuities and Retirement Planning The other options on this list provide you with a guaranteed stream of income That probably depends on how close you are to retiring. If you're near retirement or already retired, ... View This Document

FAIRBAIRN CAPITAL RETIREMENT INCOME PLAN
Retiring from a retirement annuity, pension or provident fund to structure their retirement benefi t into a market-linked income for life. Income options ■ Living annuities must provide clients with an income for life. ... Document Retrieval

ANNUITY BUYING CHOICES AND DECISIONS (ABCD) SERIES.
Buying one, what options are available and shopping any extra charges on your pension if you’re retiring early. Annuities provide a regular income during retirement so when buying one, it’s worth taking time to make ... View Document

Retirement Annuities
Or Age 55 or older Page 62 Retirement Payment Options Option A (Form 7202) and Electronic Funds Transfer Authorization for Annuities (Form 7204 6151P for PORS Form 6251 Form 6255 (five required) 7202 7204 Form 6352, Page 1 (retiring member’s checklist) Forms ... Retrieve Here

Understanding Insurance Company Variable Annuities
When variable annuities are offered in 401(k) thoroughly research the investment options offered by an insurance company, income option could do so at lower cost by providing retiring employees with information on purchasing an immediate fixed ... Doc Viewer

PRIVATE PENSIONS July 2003 - U.S. Government Accountability ...
Annuities. Besides options that focus exclusively on annuities, information life annuities to retiring participants.27 Such a mandate would ensure all retiring participants have pension income for their remaining lifetimes. A ... Get Content Here

A Guide To Your retirement options
Retiring could qualify for an enhanced annuity. How income can vary between providers and types of annuity £2,500 £2,000 £1,500 £1,000 £500 08 Retirement Options Guide Annuities offer a range of benefits and options to suit your needs. ... Read Full Source

Retirement Income/Annuities Around The World What US Policy ...
Retirement Income/Annuities Around the World What US Policy Makers Might Learn May 2009 •Retiring members may seek more secure income stream in light of market crisis. 5 Antolin, P. (2008), "Policy Options for the Payout Phase", OECD Working Papers on Insurance and Private Pensions, No ... View Document

Employee Retirement Income Security Act - Wikipedia, The Free ...
The Employee Retirement Income Security Act of 1974 (ERISA) (Pub. L. No. 93-406, codified in part at 29 USCS § 1002 et seq.) was enacted on September 2, 1974. ERISA is a federal law which establishes minimum standards for pension plans in private industry and provides for extensive rules on the ... Read Article

ANNUITY OPTIONS AND DISPOSITION OF RESIDUE AFTER RETIREMENT
ANNUITY OPTIONS AND DISPOSITION OF RESIDUE AFTER RETIREMENT A.C.A § 24-7-701, a member retiring Annuities Paid Reduce Residue Amount When a member retires, any amounts paid to the retiree and his/her ... Access Document

Retirement Annuity Services Factsheet
Assistance to Trustees securing annuities for members of Defined Contribution (“DC”) Schemes n an explanation of the options available to retiring in the next Scheme year two months ... Access Doc

Registered Retirement Savings Plan - Wikipedia, The Free ...
A Registered Retirement Savings Plan (RRSP) is a type of Canadian account for holding savings and investment assets. Introduced in 1957, the RRSP's purpose is to promote savings for retirement by employees. It must comply with a variety of restrictions stipulated in the Canadian Income Tax Act ... Read Article

Immediate Income annuities
Immediate income annuities A guaranteed source of retirement income As you assess your goals and the other realities of retiring, are you prepared to support a retirement that may last 25 years options you choose (such as Life or period-certain), and the ... Return Doc

Choosing An Annuity Option Choosing An Annuity Option
2 An annuity is a Wisconsin Retirement System (WRS) benefit paid monthly. There are different types of annuities available called annuity options . ... Get Content Here

HR-MA-12-001 - Employee Retirement Options
Consider when retiring. We summarized several retirement options to assist Employees‘ annuities are reduced 2% a year for each year those options that currently exist and those that may become available as part of new ... Document Retrieval

How We Sell And Why We Fail To Sell Annuities
How We Sell and Why We Fail to Sell Annuities Charles S. Yanikoski RetirementWORKS, Inc.* March 7, retiring members choose it.6 However, results in Options at Retirement, which does not even mention annuities. ... Document Viewer

Annuities Ssi

Policy Brief Social Security
The Supplemental Security Income program does not treat assets in defined benefit and defined contribution plans in the same way. purchase of the most advantageous annuities at appro-priate times. Attribute Retirement Funds as Income to the Recipients While They Are Eligible for SSI ... Fetch Here

MI Choice Program Waiting List - SOM - State Of Michigan
Annuities + $ SSI + $ Other (alimony, other cash income) + $ GROSS INCOME = $ If reported GROSS income is less than or equal to 300% of SSI, proceed to REPORTED ASSETS. ... Access Full Source

Need - SSI-Related Resources
I-1630 NEED - SSI-RELATED RESOURCES Annuities which do not meet all of the above criteria must be amended to comply with these requirements. Annuities which do not provide for pay out of principal and interest in equal monthly ... Get Document

State Of Tennessee DHS Project - TN.gov - Tennessee Government
Annuities, pensions, retirement, veterans or disability benefits, military or Job Corps allotments, and other such pensions and benefits. Social Security income for the parent receiving child care assistance, including SS pension, ... Retrieve Document

Annuities & Insurance Strategies
Annuities & Insurance Strategies Erik Zwilling, CFP®, CRPC Vice President SSI: -$2,000/mo VA: $1,250/mo Deficiency is $750/mo or less than $10k/yr $500k only needs 2%/yr to deliver income lifestyle Take It Higher Advanced Strategies ... Access Content

How Disabled Do I Have To Be To Get SSD/ SSI Benefits ...
How disabled do I have to be to get SSD/ SSI Benefits? Arkansas - SSDI, Social Security Disability 2:33 Adam Bold: Don't Buy Annuities! by mutualfundstore 18,761 views 1:14 Cat in Quake by nzartist 38,714 views ... View Video

Civil Service Retirement System Annuitants And Social Security
Annuities and fewer years of work in Social Securi- ty covered employment. l In general, the CSRS annuities are larger than So- cial Security benefits. As a result, the annuities paid to those who receive CSRS ... Doc Viewer

PLANNING A STRUCTURED SETTLEMENT FOR SOCIAL SECURITY ...
Unearned income can be received in the form of annuities, pensions, other public benefits, alimony (income to the parent), child support (income to the child), dividends, causes SSI ineligibility, the individual informs SSA that not receiving SSI will result in ... View Doc

Social Security Debate In The United States - Wikipedia, The ...
Which pay workers after retirement through annuities funded by the individual accounts, Supplemental Security Income; Temporary Assistance for Needy Families; Ticket to Work; Unemployment benefits; Health care: Medicaid; Medicare; SCHIP; Law: Disability fraud; ... Read Article

The Role Of Annuities In A Reformed U.S. Social Security System
Annuities that are indexed to inflation, last as long as a beneficiary lives, and are free from financial market risk. the Supplemental Security Income (SSI) program, affect the relative attractiveness of various payout-phase options? ... Fetch Here

Eligibility, Asset Transfers, And Estate Recovery
Annuities ..12 Life Estates..13 Promissory Notes Loans and Mortgages ..14 Exceptions to the Supplemental Security Income (SSI) Resource Exclusions Exclusion Limit on value or length of time? Description ... Access Content

Special Procedures Related To Coverage Groups
A. SSI RECIPIENTS . Notify SSA, using the HS-3, when the SSI recipient enters or leaves a nursing facility. annuities, trusts and/or other potential resources or transfers. See item D below. C. QUALIFIED MEDICARE BENEFICIARIES (QMB) ... View Document

ESQ CELA ILVERBERG RESIDENT - New Jersey Elder Law Attorney ...
However, since the IRC treats annuities differently than the SSI program, a state’s use of the IRC’s methodology for purposes of determining Medicaid eligibility would violate the comparability provisions of the Medicaid Act, as fewer individuals would be ... Read Document

SSI (Supplemental Security Income)
Annuities. Community Property with Right of Survivorship. Joint Tenancy . You can own property with another person, including your spouse, as: SSI (Supplemental Security Income) Author: andrea march Last modified by: monique Created Date: 6/25/2008 2:08:00 PM ... Fetch Here

Michigan Department Of Community Health Michigan Medicaid ...
Annuities + $ SSI + $ Other (alimony, other cash income) + $ GROSS INCOME = $ If reported GROSS income is less than or equal to 300% of SSI, proceed to REPORTED ASSETS. 2. If reported GROSS income is greater than 300% of SSI, will there be a decrease in the ... Retrieve Here

BPB 2012-001 BRIDGES BULLETIN FOR MEDICAID 1 Of 4 BPB 2012 ...
• SSI Dedicated Account. • Native American Lands. • Miscellaneous. • Bridge card replacement cost revision. 2. Telephone billing. 3. Annuities A new address and email address to send trusts and annuities for review is added to policy. ... Read Full Source

Asset Limit Reform
Inflation has made asset limits stricter as time goes on (Food Stamp asset limit has not changed since 1985; SSI asset limit has not increased since 1989) ... Document Retrieval

Social Security Payments To Go 100% Electronic
As of now, 85% of Social Security and SSI beneficiaries use direct deposit. Annuities - Insurance; Business Banking; Blogs & Podcasts; Children and Saving; How to Bank; Scams | Security | Safety; Banking / Loans. About.com; Money; Banking / Loans; ... Read Article

Structured Settlement Annuities And Special Needs Trusts
Structured Settlement Annuities and Special Needs Trusts by Carol S. Battaglia make him or her ineligible for needs-based public benefits such as SSI, Medicaid (Medi-Cal) and Regional Center. Receipt of direct payments from an annuity could cause ineligibility, whereas ... Access Document

WV INCOME MAINTENANCE MANUAL CHAPTER 11 11.4 Assets LIST OF ...
Cash, insurance policies or annuities. For treatment of burial funds by program, see Section 11.5. 2. Burial Plots . SNAP . WVW, AFDC Groups. SSI Groups: No* No* No * SSI, based on disability, meets the definition, as well as persons who have been determined disabled by the Medical ... Return Document

Can I Name A Trust As The Beneficiary Of My Life Insurance ...
2:53 Truth about Equity Indexed Annuities- Free Report by TheAnnuitycampus 72 views 9:36 Can the Golden State Pooled Trust Pay Rent if the Beneficiary is on SSI? by Stephen Dale 70 views 1:28 Kris Miller Equity Index Annuity ... View Video

NEW JERSEY MEDICAID PROGRAM ELIGIBILITY
Annuities, interest, dividends, and payments from trust funds, and rental income from real property. The current Medicaid resource maximum for an individual is $4,000. The Supplemental Security Income (SSI) program, administered by the Social ... Fetch This Document

SSI: Supplemental Security Income - Alaska Works Initiative
SSI: Supplemental Security Income What is SSI: SSI is a welfare program for people with disabilities who are also poor. Who is annuities, all retirement funds, inheritances, allowances, gambling winnings, pensions, unemployment, worker’s compensation, alimony, dividends, the PFD, ... Read Document

Civil Service Annuities

Tax Guide To - Internal Revenue Service
After 1997 and your civil service annuity provides sur-vivor benefits for your spouse, you must use a new table of cost recovery factors (the Annuities, Retirement or Profit-Sharing Plans, IRAs, Insurance Contracts, etc., ... Get Document

Civil Service Retirement System Annuitants And Social Security
Even among those with long civil service careers and high annuities, however, the rate of entitlement was quite high. Among those aged 62 or older with less than 10 years of Federal service, 93 percent received Social Security benefits; among ... Access Document

Federal Civil Service Adult Survivor Annuitants And Social ...
Of joint receipt of civil service annuities and OASDI benefits. Study Population This article reviews the recent experience of adult sur- vivor annuitants-those persons who receive annuities as widows or widowers of Federal civil service em- ployees or ... Retrieve Doc

Service Officer Guide - National Active And Retired Federal ...
All civil service annuities are taxable. The tax-free recovery of the cost of a retiree’s CSRS or FERS annuity depends on the annuity starting date. • If the annuity starting date is before July 2, 1986, either the Three-Year Rule or ... Get Content Here

New Jersey Division Of Taxation Ax Pensions And annuities Opics
Apply to civil service pensions or annuities, even while a civil service annuity is received through the U.S. Office of Personnel Management. For more information on military pensions, see Tax Topic Bulletin GiT-7, Military Personnel. ... Retrieve Full Source

Retirement Facts
Annuities if you die in service. Their annuities will continue until they reach age 18—or age 22 6 . if they remain in school full-time. a civil service annuity would affect the amount of any Social Security benefits you are eligible to ... Document Viewer

CHAPTER 13 RETIREMENTS Section I - General The Civil Service ...
Annuities Computing for the Civil Service Retirement System (CSRS). a. The basic formula for computing retirement annuities other than disability retirement is: (1) 1.50% x high-3 average salary x 5 years of service. ... Get Content Here

LEGAL CLINICS 2012 2013
And in all aspects of general civil matters in children’s health advocacy. Medicaid as they pertain to annuities. The Western AND PUBLIC SERVICE PROGRAMS OFFERED THROUGH THE LEGAL CLINICS “We represent the underdog, ... Return Document

Federal Civil Service Annuities - Open CRS
Order Code 94-834 Updated October 17, 2007 Cost-of-Living Adjustments for Federal Civil Service Annuities Patrick Purcell Specialist in Income Security ... View Full Source

ADS 494 - Civil Service Retirement - U.S. Agency For ...
Civil service deductions or will not be so employed within 31 days from the annuities based on years of service and salary. *For a summary of TSP changes along with other TSP issues, see Mandatory Reference 494maa, Thrift Savings Plan (TSP) Changes. ... Get Content Here

Federal Government To Phase-out Paper Checks For Benefit Payments
Recipients of Social Security, Supplemental Security Income, veterans' compensation and pensions, wages for federal employees, civil service annuities, railroad retirement benefits, black lung payments and Indian Trust Fund payments will be affected. ... Read News

CSRS Civil Service Retirement System
CSRS Civil Service Retirement System Insurance Service This pamphlet answers questions most frequently asked by Civil Service Retirement System annuitants. survivor annuities to exceed 55 percent of your unreduced annuity (unless you ... Document Viewer

Retirement Facts Survivor Benefits Under The Civil Service ...
Civil Service Retirement System This is a non-technical summary of the laws and regulations on the subject. It should not be relied upon as a sole source of information. United States Survivor Annuities Upon Death of a Current Employee ... Get Document

NALC Survivor's Guide To The Civil Service Retirement System ...
Civil Service Retirement System Federal Employees Retirement System Social Security National AAssociation Are survivor annuities paid directly to the child/children? Not usually.A child’s annuity is paid to their legal guardian in most cases, ... Retrieve Content

Retirement Facts
Annuities an amount less than your contributions to the Retirement Fund, plus any applicable interest. Then the remainder of your contributions would be payable. Civil Service Retirement System and Federal Employees Retirement System are: ... Fetch This Document

CSRS
Civil Service Annuities Simplified General Rule Tax-Free Part of Annuity Federal annuities commencing after 11/18/96 are subject to Federal Income taxation using the “Simplified General Rule.” Under this rule, each monthly annuity payment is made up of two ... Doc Viewer

Amendments To The Civil Service Retirement Act, 1962
Amendments to the Civil Service Retirement Act, 1962 by JOHN P. JONES* Among Annuities purchased by special voluntary contribu- tions (in addition to the normal employee contri- butions of 6% percent of pay) are not affected by any of the ... Fetch Doc

Income And Annuity Page 1 Of 45 10:27 - 7-Jan-2013
Civil service retirement benefits. If you are retired from the federal government (either regular or disability re- pealed for annuities starting after July 1, 1986), your annu-ity payments are generally now fully taxable. Exclusion limit. ... Doc Retrieval

Civil Service Retirement System (CSRS) - The U.S. Navy
Civil Service Retirement System (CSRS) FACT SHEET Commander, Navy Region Southwest San Diego, Calif. Fleet and Family Support Center (619) 556-9399 Children qualify for survivor annuities if they are under 18 and unmarried. ... Fetch This Document

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Hasse Construction Co. Comm. & Ind. Building,Civil Const. P.O. Box 300 10 Lincoln Ave (708) 862-2450 Sommers Financial Services Mut. Funds, Annuities, LTC 12 Grapevine Court (765)497-2212 North Central, $20 off reg. service (can't combine) ... Document Viewer