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b = 750.000
U1 = umur 40
umur 54 = U1 + (54 - 40) = U1 + 14 = U15
Un = U1 + b(n - 1) = U1 + bn - b
U15 = U1 + 14b = 15.000.000 + 14 x 750.000 = 15.000.000 + 10.500.000 = 25.500.000
umur 60 = U21
U21 = U1 + 20b = 15.000.000 + 20 x 750.000 = 15000.000 + 15000.000 = 30.000.000
ternyata sampai pensiun, gaji maksimal yg dia terima tidak mencapai 32.000.000