Retirement under Republic Act 660 (Magic 87)

Home Active Members Benefits Retirement Retirement under Republic Act 660 (Magic 87)

Retirement under RA 660 (also known as ‘Magic 87’), may be availed by members who are 52 years old  for as long as they have already been in government service for the past 35 years.


  1. Entered government service on or before May 31, 1977;
  2. Last three years of service prior to retirement should have been continuous, except in cases of death, disability, abolition, and phase- out of position due to reorganization;
  3. Appointment status should be permanent;
  4. Meet the age and service requirements under the “Magic 87” formula. Based on the formula, a retiree’s age and years in service should be added up and should total at least 87.

The “Magic 87” formula is shown below:

A g e 52 53 54 55 56 57 58 59 60 61 62 63 64 65
Service 35 34 33 32 31 30 28 26 24 22 20 18 16 15

The maximum monthly pension for those above 57 years old shall be 80% of the Average Monthly Salary (AMS) received during the last three years immediately preceding retirement. The maximum pension for those aged 57 and below shall be 75% of AMS.

 Retirement Packages

Option 1: Automatic Pension – Under this option, retirees below 60 years old may choose to receive either an automatic monthly pension for life or an option to avail of a lump sum. The lump sum, which can be requested every six months, means they can receive their one-year monthly pension in advance for a period of five years. On the sixth year, they will start receiving their lifetime monthly pension.

 Option 2: Initial three-year lump sum – Those who are at least 60 years old but less than 63 years on the date of retirement are entitled to a three-year lump sum. The subsequent two-year lump sum will be paid to retirees on their 63rd birthday. Retirees still living after the five-year guaranteed period, will be entitled to a monthly pension for life.

 Option 3: 5-Year Lump sum- Those who are 63-65 years old may avail of a five-year lump sum. After five years, they will receive a monthly pension for life.

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