Until an employee has earned his retirement pay, or until the time arrives when he may retire, his retirement pay is but an inchoate right; but when the conditions are satisfied, at that time retirement pay becomes a vested right of which the person entitled thereto cannot be deprived; it has ripened into a full contractual obligation.
—Peterson v. Fire & Police Pension Association (1988)
inchoate - vocabulary
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Ed Good — Grammar Tips