gloopy

You could use either phrase and be contextually correct. A full year's work vs half a year's work could be considered pro rated. The actual dollar amount of course depends on wages. In any case my point was that even the hypothetical 03-31-20 retiree would only have a 14% lost income incentive as the primary motivator to retire 3 months early, but would also have to volunteer to lose 100% income during that same period in order to quit in protest over not getting the additional 14% (assuming the incorrect hypothetical situation that's been well debunked was true) therefore even is that were the case, it would have a negligible effect on the majority of those individual decisions.