Most pension providers accept childcare vouchers as notional pay i.e. base their calculation on the pre-sacrifice salary total with no negative effect on pension contributions. The AFPS 75 and AFPS 05 treat childcare vouchers as part of your gross pay package. AFPS 75 uses a representative salary for your rank to calculate your pension, while AFPS 05 calculates your pension using the pre-sacrifice salary level.
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