The Z plan is Ford's retiree purchase program, and the discount varies from vehicle to vehicle. The pricing formula is listed as the Dealer Invoice - Holdback - Advertising Assessment + Administration.
Retirees who qualify for the Z plan can sponsor four immediate family members to purchase a car with the same discount. The retiree receives four personal identification numbers per calendar year. These PINs allow the retiree's immediate family to receive the same discount plan. Ford's immediate family rule includes a spouse, parents, spouse's parents, siblings (including half- and step-siblings), in-laws, grandchildren, grandparents and domestic partners and their immediate families.