Originally Posted by Slow But Steady
I would just put in a second pension of 4% of the original one, starting the next year, and say that both are non-COLA.
Don't know about the other question.
My understanding was that the OP gets 1.04 the 2nd year, 1.08 the 3rd, 1.12 the 4th etc. (rather than the usual (1.04)^(n-1) in year n). If so, one could use your suggestion in modeling, but would have to add the small 4% extra non-COLA'd pension starting in each additional year of retirement - a bit of a PITA.