{
  "tool_id": "art-283-pension-lump-sum-vs-annuity-decision-engine",
  "kernel_id": "art-283-pension-lump-sum-vs-annuity-decision-engine",
  "display_name": "Pension Lump-Sum vs. Annuity Decision Engine",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "Compares a defined-benefit pension lump-sum offer against the single-life and joint-survivor annuity streams: present value at the stated discount rate with an optional labeled COLA assumption, survivor-option monthly cost, break-even discount rate, and undiscounted break-even age. Terminal node of the retirement-decumulation-decisions chain. Figures are user-supplied off the claimant's own election paperwork, no PII stored. NaN-safe. Zero network.",
  "control_description": "Compares a defined-benefit pension lump-sum offer against the single-life and joint-survivor annuity streams: present value at the stated discount rate with an optional labeled COLA assumption, survivor-option monthly cost, break-even discount rate, and undiscounted break-even age. Terminal node of the retirement-decumulation-decisions chain. Figures are user-supplied off the claimant's own election paperwork, no PII stored. NaN-safe. Zero network.",
  "declared_inputs": [
    "art-282-social-security-claiming-optimizer"
  ],
  "declared_outputs": [],
  "kernel_digest": "sha256:f6d1afb8e2ecf41c2176368c4f1383cba8b5ffe9cbfed4ac2b8f12760984e828",
  "trust_label": "deferred -- deterministic source published, zkVM proof not yet generated",
  "data_vintage": "2026-07-10",
  "last_validated": "2026-07-10",
  "conformance_fixtures_vendored": true,
  "compute_proof_ready": "ready",
  "wave": 50,
  "source_url": "https://ainumbers.co/chaingraph/art-283-pension-lump-sum-vs-annuity-decision-engine.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}