One of the biggest problems faced by any worker at the end of his working life is to be able to have sufficient monetary resources to maintain a standard of living similar to that he previously had. It is a fact that in Spain the retirement pension granted by the public social security system is usually lower than the wage earned by the worker at the time of retirement, which is the more pronounced the higher the wage income received. Pension schemes that define retirement benefits taking into account those granted by the previous system are a sufficiently suitable financial instrument to act effectively against this problem. Linked to this issue, this work seeks to analyse the impact on Total Replacement Ratios, and therefore on the level of discrimination, to consider the wages of the last 15 or 35 years in the calculation of the pension regulatory base under a model associated with a ‘Final Pay’ defined benefit pension scheme integrated with the social security system using the Offset method.