I have been reading different threads in the retirement section of the forum and have seen references to "points" and "25 and out". I know drivers out of three locals and we are all 25 years of service minimum age of 57. I have nineteen years of service and am looking at nineteen more until I reach 57. talking to my business agent, I asked him why our local doesn't offer the straight 25 and out. He told me we have the 51+ plan, something along the lines of years of service + age = 82 and you can retire at a lesser monthly benefit. Has anyone done this, and if so, how much did your monthly decrease?