Nothing inflantion adjusted from what I can tell.
On retirement, $333/month, right now, $24/month. Lump sum would be $7,119. I can roll it to tIRA directly, so no taxes - if I took it, it would most likely push me to 25% bracket, plus the 10% fee.
I like the 'gauranteed amount', but pretty sure 30 yrs from now would be better off investing it, and i would actually 'have' the money too. Leaning towards the tIRA direct rollover into vanguard.