THE BILL ITSELF
HB 4063
West Palm Beach Police Pension Fund - Special Act Amendment
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An act relating to the West Palm Beach Police Pension
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Fund, Palm Beach County; amending chapter 24981
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(1947), Laws of Florida, as amended; revising
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definitions relating to the West Palm Beach Police
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Pension Fund; revising professional and clerical
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services; revising the fund membership; revising age
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and service requirements for retirement; revising
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retirement pension calculation; revising optional
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forms of retirement income; revising chapter 185 share
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accounts; revising supplemental pension distributions;
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revising deferred retirement option plan (DROP);
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revising death benefits; revising investments;
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revising review procedures; revising lump sum payments
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of small retirement incomes; revising Internal Revenue
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Code limits; revising minimum distribution of
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benefits; revising rollovers from qualified plans;
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revising other police officer or military services;
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revising reemployment after retirement; providing an
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effective date.
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Be It Enacted by the Legislature of the State of Florida:
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Section 1. Paragraphs (b), (c), (h), (m), and (q) of
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subsection (2), paragraph (e) of subsection (4), subsection (6),
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paragraph (b) of subsection (8), paragraphs (a) and (d) of
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subsection (9), paragraphs (b) and (f) of subsection (11),
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paragraph (b) of subsection (12), paragraph (b) of subsection
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(13), paragraph (b) of subsection (17), paragraphs (a) and (d)
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of subsection (21), subsections (26) and (27), paragraph (a) of
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subsection (29), subsection (30), paragraph (a) of subsection
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(31), paragraph (a) of subsection (34), and paragraph (c) of
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subsection (35) of section 16 of chapter 24981 (1947), Laws of
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Florida, as amended, are amended, and paragraphs (f) and (g) are
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added of subsection (29) of that section, to read:
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Section 16. West Palm Beach Police Pension Fund.—
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(2) Definitions.—The following words or phrases, as used
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in this act, shall have the following meanings, unless a
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different meaning is clearly indicated by the context:
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(b) "Actuarial equivalent value," "actuarial equivalence,"
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or "single sum value" means the stated determination using an
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interest rate of 8.00 percent per year and the RP-2000 mortality
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table for annuitants with future improvements in mortality
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projected with mortality improvement to the year of retirement
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to 2017 using Scale BB, blending ninety percent (90%) male rates
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and ten percent (10%) female rates for the member and ten
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percent (10%) male rates and ninety percent (90%) female rates
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for the beneficiary. For females, the base mortality rates
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include a one hundred percent (100%) white collar adjustment.
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For males, the base mortality rates include a ninety percent
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(90%) blue collar adjustment and a ten percent (10%) white
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collar adjustment.
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(c) "Beneficiary" means any person, designated as such
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except a retirant, who is entitled to receive a benefit from the
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West Palm Beach Police Pension Fund or the West Palm Beach
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Police Pension and Relief Fund, as applicable upon the death of
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a retirant.
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(h) "Final average salary" means the average of the
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monthly salary paid to a member in the 3 best years of
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employment. In no event shall any one year, beginning January 1,
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2005, include more than 400 hours of overtime. Prior to January
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1, 2005, individual years may include more than 400 hours of
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overtime. Effective prospectively from January 1, 2013, the
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overtime will be limited to 300 hours in any one year. As of
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June 6, 2017 the effective date of this act, for purposes of
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determining final average salary, any lump sum payment made to a
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member for retroactive pay, such amounts shall not be considered
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as a lump sum but will be treated as if paid during the
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retroactive pay periods.
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(m) "Qualified health professional" means a person duly
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and regularly engaged in the practice of his or her profession
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who holds a professional degree from a university or college and
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has special professional training or skill regarding the
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physical or mental condition, disability, or lack thereof, upon
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which he or she is to present evidence to the board. The board
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of trustees, in its sole discretion, will determine whether any
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individual provider meets this requirement.
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(q) "Salary" means, the fixed monthly compensation paid to
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a member; compensation shall include those items as have been
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included as compensation in accordance with past practice.
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However, the term shall not be construed to include lump sum
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payments for accumulated leave. on and after January 1, 2003,
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salary shall mean payment for total cash remuneration paid by
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the City to a police officer for services rendered, excluding
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lump sum payments for accumulated leave such as accrued vacation
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leave, accrued sick leave, and accrued personal leave.
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1. Effective January 1, 2005, overtime hours earned and
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paid in excess of four hundred (400) hours in any twenty-six
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(26) consecutive pay periods shall be excluded from the
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definition of salary. Prior to January 1, 2005, all overtime
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hours earned and paid shall be included in the definition of
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salary and shall not be limited by any cap.
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2. Effective prospectively from January 1, 2013, overtime
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hours earned and paid in excess of three hundred (300) hours in
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any twenty-six (26) consecutive pay periods shall be excluded
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from the definition of salary. Prior to January 1, 2005, all
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overtime hours earned and paid shall be included in the
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definition of salary and shall not be limited by any cap.
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3. This definition of compensation shall not include off-
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duty employment performed for vendors other than the City of
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West Palm Beach per Article 35 30, and Section 8 of the
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collective bargaining agreement between the City of West Palm
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Beach and the Florida State Lodge, Fraternal Order of Police,
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Inc., Certified Unit No 1985 and Certified Unit No 1986 and per
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Article 30, Section 4, of the collective bargaining agreement
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for Certified Unit No 2004, and the City of West Palm Beach.
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4. Beginning with salary paid after December 31, 2008, and
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pursuant to s. 414(u)(7) of the Internal Revenue Code, "salary"
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includes amounts paid by the city as differential wages to
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members who are absent from employment while in qualified
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military service.
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(4) Professional and clerical services.—
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(e) Certified public accountant.—The board shall employ,
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at its expense, a certified public accountant to conduct an
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independent audit of the fund. The certified public account
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shall be independent of the board and the city. Additionally,
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the board may employ a bookkeeper to create and maintain the
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financial statements for the fund.
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(6) Membership.—All police officers in the employ of the
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Department shall be included in the membership of the fund, and
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all persons who hereafter become police officers in the employ
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of the city shall thereupon become members of the fund.
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(a) New members to the fund are required to undergo a
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physical examination for purposes of determining preexisting
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conditions. This physical examination shall be conducted in
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conjunction with the city's post offer, preemployment physical
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examination. The board's medical director shall review the
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results of this physical examination and provide notice to the
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board and the member of any abnormal findings of the
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examination. This physical examination will be used for the
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purposes of establishing a physical profile of the member for
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determining preexisting conditions and presumptive illnesses as
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provided for in subsections (14) and (15). After review, if
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further physical examination is required by the board, such
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examination shall be conducted at board expense.
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(b) Except as otherwise provided in this act, should any
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member cease to be a police officer in the employ of the
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Department, he or she shall thereupon cease to be a member and
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his or her credited service at that time shall be forfeited. In
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the event such person is re-employed in the Department as a
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police officer, he or she shall again become a member. His or
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her forfeited service shall be restored to the member's credit,
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provided that he or she returns to the fund the amount he or she
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might have withdrawn, together with regular interest from the
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date of withdrawal to the date of repayment. Members must begin
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the process of returning the withdrawn contributions within one
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(1) year after date of rehire or the time will only be eligible
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for purchase within the provisions of subsection (34). Should a
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member have withdrawn their contributions due to a termination
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from employment and the member is subsequently reinstated
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through the grievance and arbitration process, such member must
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also begin the process of returning the withdrawn contributions
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within one (1) year after the date of reinstatement or the time
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will only be eligible for purchase within the provisions of
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subsection (34); however, a member who is reinstated through the
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grievance and arbitration process may repay the withdrawn
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contributions without interest if the repayment process is
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started within one (1) year after the date of reinstatement.
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(c) Upon the member's retirement or death, he or she shall
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thereupon cease to be a member.
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(8) Age and service requirements for retirement.—
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(b) Vested deferred retirement.—A member who leaves the
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employ of the department with ten (10) or more years of credited
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service and who is not eligible for any other retirement benefit
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at the time of termination under this act shall be entitled to
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the pension provided for in this subsection. Payments of this
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pension shall begin the first day of the calendar month
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following the month in which his or her application is filed
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with and accepted by the board on or after attainment of age
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fifty (50) years. In order to avoid the early retirement
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reduction described in paragraph (c), a terminated vested member
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must be at least age fifty (50) and with at least twenty (20)
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years of credited service or has attained age fifty-five (55)
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and with at least ten (10) years of credited service. Otherwise
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If applicable, the amount of the pension shall be determined in
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accordance with the early retirement provisions described in
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paragraph (c) below. In the case of a retirement with twenty-
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five (25) years of service, Normal Retirement Age is whatever
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age a member has attained when retired at twenty-five (25) years
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of service.
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(9) Retirement pension calculation.—
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(a) Upon retirement eligibility as provided in subsection
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(8), a member shall receive a monthly pension. The pension shall
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be the following, as applicable:
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1.a. Effective for retirements on and after October 1,
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2026, notwithstanding any other benefit in this section, the
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benefit accrual rate is 3.2 percent for all years of service up
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to a total of 26 years, and then a benefit of 1 percent of the
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final average salary multiplied by the number of years, and
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fraction of a year, of credited service in excess of 26 years.
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This benefit is not available to members who terminated or
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retired, including entry into DROP prior to October 1, 2026. In
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all cases, members who were active on September 30, 2026, will
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receive at least the benefit accrued as of that day, and in no
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event shall the benefit be less than 2.75 percent per year of
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credited service.
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b. For all years of service earned after October 1, 2017,
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the benefit accrual rate is calculated using 3 percent of final
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average salary per year and fractional parts of the years of
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service up to a total of 26 years, plus 1 percent of the final
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average salary multiplied by the number of years, and fraction
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of a year, of credited service in excess of 26 years. For all
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years of service earned after October 1, 2011, and before
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October 1, 2017, the benefit is calculated using 2.68 percent of
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final average salary per year and fractional parts of the years
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of service and is included in the 26-year limitation years. This
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change in the multiplier was due to the change in assumptions in
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a prior version of this special act. This reduction is required
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by this paragraph. For years of service earned before October 1,
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2011, the benefit will be calculated under the provisions of the
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applicable subparagraphs 2.-4. For purposes of determining the
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26-year limitation, the member's total number of years of
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credited service are used, regardless of whether the multiplier
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is 3 percent or 2.68 percent. In no event shall the benefit be
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less than 2.75 percent per year of credited service.
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c.b. Beginning May 6, 2022 upon the effective date of this
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act, the benefit accrual rate of 2.68 percent as described in
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sub-paragraph 1.a. will be retroactively restored to 3 percent
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for all years of a member's service between October 1, 2011, and
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October 1, 2017, provided that the member retires or enters DROP
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after May 5, 2022 the effective date of this act. This benefit
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is not available to members who retired, including entry into
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DROP, prior to May 6, 2022 the effective date of this act.
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2. A member who has more than or equal to 12 years and 6
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months of service at October 1, 1999, and who was actively
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employed by the Department on or after October 1, 1999, shall
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receive a benefit equal to 3 percent of final average salary
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multiplied by the number of years, and fraction of a year, of
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credited service earned from April 1, 1987, to September 30,
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2011, plus 2.5 percent of final average salary multiplied by the
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number of years, and fraction of a year, of credited service
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earned prior to April 1, 1987, up to a total of 26 years, plus 1
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percent of the final average salary multiplied by the number of
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years, and fraction of a year, of credited service which is in
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excess of 26 years. In no event shall the benefit be less than
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2.75 percent per year of credited service. For all years of
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service after October 1, 2011, the benefit will be calculated in
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accordance with subparagraph 1.
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3. A member who has less than 12 years and 6 months of
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service on October 1, 1999, and who was actively employed by the
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Department on or after October 1, 1999, shall receive a benefit
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equal to 3 percent of final average salary multiplied by the
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number of years, and fraction of a year, of credited service up
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to September 30, 2011, plus 1 percent of the final average
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salary multiplied by the number of years, and fraction of a
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year, of credited service which is in excess of 26 years. In no
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event shall the benefit be less than 2.75 percent per year of
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credited service. For all years of service after October 1,
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2011, the benefit will be calculated in accordance with
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subparagraph 1.
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4. A member who terminated employment, retired on a vested
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deferred benefit, or retired on or before October 1, 1999, shall
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receive a benefit equal to the greater of the following:
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a. Two and one-half percent of final average salary
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multiplied by the number of years, and fraction of a year, of
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credited service not to exceed 26 years, plus 1 percent of the
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final average salary multiplied by the number of years, and
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fraction of a year, of credited service which is in excess of 26
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years; or
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b. The sum of the following:
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(I) Two and one-half percent of final average salary
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multiplied by the number of years, and fraction of a year, of
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credited service earned through September 30, 1988; and
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(II) Two percent of final average salary multiplied by the
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number of years, and fraction of a year, of credited service
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earned on and after October 1, 1988.
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To the extent that the benefit accrual factor is less than 3
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percent for active members with less than 12 years and 6 months
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of service on October 1, 1999, the supplemental pension
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distribution calculation under subparagraph (12)(a)2. shall be
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adjusted for employees who retire or enter the DROP after
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October 1, 1999. The adjustment shall be to decrease the minimum
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return of 8.25 percent needed to afford the supplemental pension
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distribution, where the amount of the reduction is zero if an
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employee has been credited with 12 years and 6 months of service
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or more with the 3-percent benefit accrual factor or 1.25
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percent if an employee has been credited with no more than a
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2.5-percent benefit accrual factor. If an employee has been
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credited with less than 12 years and 6 months of service at the
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3-percent benefit accrual factor, then the accumulated amount
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over 2.5 percent for each year of service divided by one-half
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percent divided by 12.5 subtracted from 1 multiplied by 1.25
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percent is the reduction from 8.25 percent. An example of the
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calculation of the minimum return for the supplemental pension
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distribution as herein described is set forth in the collective
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bargaining agreement between the City of West Palm Beach and the
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Florida State Lodge, Fraternal Order of Police, Inc., Certified
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Unit No 1985 and Certified Unit No 1986, October 1, 2021, to
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September 30, 2024.
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Effective October 1, 2011, the assumed investment rate of return
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was lowered from 8.25 percent to 8 percent, which resulted in a
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reduction in the benefit multiplier to 2.68 percent for all
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prospective years of service, up to 26 years of service in
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total, and 1 percent for each year of service after 26.
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Additionally, for any supplemental pension distributions
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subsequent to October 1, 2011, the revised factors in this
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paragraph will be applied.
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(d) Optional forms of retirement income.
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1.a. In the event of normal, early, or disability
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retirement, in lieu of the normal form of retirement income
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payable as specified in paragraph (c), and in lieu of the death
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benefits as specified in subsection (17), a member, upon written
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request to the board and subject to the approval of the board,
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may elect to receive a retirement income of equivalent actuarial
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value payable in accordance with one of the following options:
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(I) Lifetime option. A retirement income of a larger
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monthly amount, payable to the member for his or her lifetime
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only.
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(II) Joint and survivor option. A retirement income of a
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modified monthly amount, payable to the member during the joint
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lifetime of the member and a dependent joint pensioner
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designated by the member, and following the death of either of
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them the member, one hundred (100) percent, seventy-five (75)
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percent, sixty-six and two-thirds (66⅔) percent, or fifty (50)
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percent of such monthly amounts, payable to the survivor for the
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lifetime of the survivor.
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(III) Ten-year certain option. A retirement income of the
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normal form of benefit but in lieu of the survivor benefits as
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provided for in subsection (17), the member may elect to
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designate a beneficiary to receive the remainder of one hundred
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twenty (120) payments, in the event that the member dies before
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receiving one hundred twenty (120) payments. In the event that
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the member/retiree receives one hundred twenty (120) or more
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payments, no benefit is ever paid to a beneficiary.
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b. The member, upon electing any option of this paragraph,
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shall designate the joint pensioner or beneficiary (or
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beneficiaries) to receive the benefit, if any, payable in the
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event of his or her death, and will have the power to change
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such designation from time to time; but any such change shall be
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deemed a new election and shall be subject to approval by the
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board. Such designation shall name a joint pensioner or one (1)
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or more primary beneficiaries where applicable. If a member has
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elected an option with a joint pensioner or beneficiary and his
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or her retirement income benefits have commenced, he or she may
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thereafter change the designated joint pensioner or beneficiary
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only twice. Any retired member who desires to change his or her
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joint pensioner or beneficiary shall file with the board a
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notarized notice of such change. Upon receipt of a completed
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change of joint pensioner form or such other notice, the board
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shall adjust the member's monthly benefit by the application of
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actuarial tables and calculations developed to ensure that the
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benefit paid is the actuarial equivalent of the present value of
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the member's current benefit and there is no impact to the plan.
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c. The consent of a member's joint pensioner or
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beneficiary to any such change shall not be required.
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d. For any other changes in beneficiaries, the board may
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request such evidence of the good health of the joint pensioner
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who is being removed as it may require; and the amount of the
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retirement income payable to the member upon the designation of
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a new joint pensioner shall be actuarially redetermined, taking
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into account the ages and sex of the former joint pensioner, the
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new joint pensioner, and the member. Each such designation shall
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be made in writing on a form prepared by the board and, on
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completion, shall be filed with the board. In the event that no
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designated beneficiary survives the member, such benefits as are
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payable in the event of the death of the member subsequent to
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his or her retirement shall be paid as provided in paragraph
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(c)2.
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2. Retirement income payments shall be made under the
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option elected in accordance with the provisions of this
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paragraph and shall be subject to the following limitations:
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a. If a member dies prior to his or her normal retirement
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date or early retirement date, whichever first occurs,
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retirement benefits shall be paid in accordance with subsection
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(17).
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b. If the designated beneficiary (or beneficiaries) or
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joint pensioner dies before the member's retirement, the option
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elected shall be canceled automatically and a retirement income
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of the normal form and amount shall be payable to the member
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upon his or her retirement as if the election had not been made,
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unless a new election is made in accordance with the provisions
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of this paragraph or a new beneficiary is designated by the
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member prior to his or her retirement.
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c. If a member continues in the employ of the department
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after meeting the age and service requirements set forth in
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paragraph (8)(a) and dies prior to retirement and while an
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option provided for in this paragraph is in effect, monthly
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retirement income payments shall be paid, under the option, to a
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beneficiary (or beneficiaries) designated by the member in the
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amount or amounts computed as if the member has retired under
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the option on the date on which his or her death occurred.
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3. No member may make any change in his or her retirement
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option after the date of the earliest to occur of the first DROP
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deposit or the cashing or deposit of depositing the first
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retirement check.
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(11) Chapter 185 share accounts.—
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(b) Share account funding.—
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1. Chapter 185 money. Each individual member account shall
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be credited with the moneys received from F.S. ch. 185 tax
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revenues in June 1988 and thereafter. Of the Chapter 185 moneys
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received in calendar years 2011 and 2012, the full amount will
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be used to reduce the employee contributions to eleven percent
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(11%) as provided for in subparagraphs (19)(1)1. This is for
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calendar years 2011, 2012 and 2014 only. Effective for the
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fiscal year ending September 30, 2013, and beginning again
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October 1, 2104, the employee contribution will be eleven
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percent (11%), and all of the Chapter 185 moneys received in
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calendar years 2013 and 2015 each calendar year thereafter will
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be allocated to the shared accounts.
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2. Forfeitures. In addition, any forfeitures as provided
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in paragraph (e) shall be credited to the individual member
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accounts in accordance with the formula set forth in paragraph
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(c). In the event that a member is rehired or reinstated to
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employment as a police officer after forfeiture of the benefit
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for terminating service without vesting and the member is
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entitled to reinstatement of the share account, the share
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account balance will be reinstated from the next distribution of
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185 money before the allocation provided for in subparagraph 1.
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(f) Payment of benefits.—The normal form of benefit
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payment shall be a lump sum payment of the entire balance of the
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member's individual member account or upon the written election
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of the member, upon a form provided by the board; and payment
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shall be made:
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1. Over three (3) years in annual installments; or
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2. In monthly installments over the lifetime of the member
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or until the entire balance is exhausted. The monthly amount
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paid will be determined by the fund's actuary in accordance with
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selections made by the member on a form provided by the board of
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trustees.
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3. In periodic partial lump sum withdrawals until the
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entire balance is exhausted.
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(12) Supplemental pension distribution.—
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(b) The actuary shall determine whether there may be a
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supplemental pension distribution based on the following
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factors:
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1. The actuary for the pension fund shall determine the
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rate of investment return earned on the pension fund assets
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during the 12-month period ending each September 30. The rate
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determined shall be the rate reported in the most recent
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actuarial report submitted pursuant to F.S. ch. 112, pt. VII.
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2. The actuary for the pension fund shall, as of September
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30, determine the actuarial present value of future pension
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payments to current pensioners. The actuarial present values
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shall be calculated using an interest rate of 7 percent a year
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compounded annually and a mortality table as approved by the
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board of trustees and as used in the most recent actuarial
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report submitted pursuant to F.S. ch. 112, pt. VII.
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3. The supplemental pension distribution amount shall not
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exceed accumulated net actuarial experience from all pension
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liabilities and assets. If the net actuarial experience is
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favorable, cumulatively, commencing with the experience for the
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year ended September 30, 1991, after offset for all prior
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supplemental distributions, the supplemental distribution may be
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made. If the net actuarial experience is unfavorable,
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cumulatively, commencing with the experience for the year ended
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September 30, 1991, after offset for all prior supplemental
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distributions, no supplemental distribution may be made, and the
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city must amortize the loss until it is offset by cumulative
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favorable experience.
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If an actuarial report submitted as provided in this paragraph
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is not state accepted prior to distribution, and if a deficiency
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to the pension fund results, the deficiency shall be made up
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from the next available supplemental pension distribution,
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unless sooner made up by agreement between the board of trustees
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and the city. No such deficiency shall be permitted to continue
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for a period greater than 3 years from the date of payment of
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the supplemental pension distribution which resulted in the
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deficiency.
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(13) Deferred retirement option plan (DROP).—
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(b) Amounts payable upon election to participate in DROP.—
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1. Monthly retirement benefits that would have been
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payable had the member terminated employment with the Department
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and elected to receive monthly pension payments shall be paid
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into the DROP and credited to the retirant. Payments into the
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DROP shall be made monthly over the period the retirant
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participates in the DROP, up to a maximum of 60 months.
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2. Effective October 1, 2002, DROP Participants have the
468
option to select between two methods to credit investment
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earnings to their account. The method may be changed each year
470
effective October 1; however, the method must be elected prior
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to October 1. The methods are:
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a. Earnings using the rate of investment return earned (or
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lost) on Pension Fund assets as reported by the Fund's
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investment monitor. DROP assets are commingled with the Pension
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Fund assets for investment purposes.
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b. A fixed rate of 8.25 percent for members who reached
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normal retirement age on or before October 1, 2012. Effective
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October 1, 2012, the fixed rate is 8 percent for members who
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retire or enter the DROP on or after October 1, 2012. In any
480
fiscal year, if the amount paid in investment earnings under
481
this paragraph creates a deficiency as compared to the gross
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earnings of the pension fund as a whole (using the rate
483
determined by the Fund's investment monitor), then the rate will
484
be reduced to 4 percent effective the next October 1 until the
485
deficiency is satisfied. When the deficiency is satisfied, the
486
rate will return to 8 percent, effective the next October 1.
487
Beginning October 1, 2012, the cumulative amounts paid in
488
earnings for the fixed rate will be maintained in the actuarial
489
valuation.
490
However, if a police officer does not terminate employment at
491
the end of participation in the DROP, interest credits shall
492
cease on the balance.
493
3. No payments shall be made from the DROP until the
494
member terminates employment with the Department.
495
4. Upon termination of employment, participants in the
496
DROP shall receive the balance of the DROP account in accordance
497
with the following rules:
498
a. Members may elect to begin to receive payment upon
499
termination of employment or defer payment of the DROP until the
500
latest day as provided under sub-subparagraph c.
501
b. Payments shall be made in either:
502
(I) Lump sum. The entire account balance shall be paid to
503
the retirant upon approval of the Board of Trustees.
504
(II) Installments. The account balance shall be paid out
505
to the retirant in three equal payments paid over 3 years, the
506
first payment to be made upon approval of the Board of Trustees.
507
(III) Annuity. The account balance shall be paid out in
508
monthly installments over the lifetime of the member or until
509
the entire balance is exhausted. Monthly amount paid shall be
510
determined by the Fund's actuary in accordance with selections
511
made by the member on a form provided by the Board of Trustees.
512
(IV) Periodic partial lump sums. The account balance shall
513
be paid in periodic partial lump sum withdrawals.
514
c. Any form of payment selected by a police officer must
515
comply with the minimum distribution requirements of s.
516
401(A)(9) of the Internal Revenue Code and is subject to the
517
requirements of subsection (30) of this act; e.g., payments must
518
commence by the required minimum distribution age 70-1/2.
519
d. If a member dies and is eligible for benefits from the
520
DROP account, the entire balance of the DROP account shall be
521
converted to the name of the beneficiary designated in
522
accordance with subsection (9)(e). The entire balance shall be
523
paid out in a lump sum to the beneficiary, at the discretion of
524
the beneficiary. If the designated beneficiary is the surviving
525
spouse, the account may remain with the Fund until the latest
526
period specified under subsection (30). These DROP accounts
527
shall not be eligible for any further DROP distributions but are
528
eligible for earnings. If a member fails to designate a
529
beneficiary, or if the beneficiary predeceases the member, the
530
entire balance shall be converted, in the following order, to
531
the name or names of:
532
1. The member's surviving children on a pro rata basis;
533
2. If no children are alive, the member's spouse;
534
3. If no spouse is alive, the member's surviving parents
535
on a pro rata basis; or
536
4. If none are alive, the estate of the member.
537
The accounts which are converted to the names of the
538
beneficiaries shall have the right to name a successor
539
beneficiary. Any designated beneficiary, other than the
540
surviving spouse of the member, must take a distribution of the
541
entire DROP account balance by the end of 5 years after the
542
death of the member. Installment distributions which begin in
543
the calendar year of the member's death shall be treated as
544
complying with this 5-year distribution requirement, even though
545
the installments are not completed within 5 years after the
546
member's death.
547
e. Costs, fees, and expenses of administration shall be
548
debited from the individual member accounts on a proportionate
549
basis, taking the cost, fees, and expenses of administration of
550
the Fund as a whole, multiplied by a fraction, the numerator of
551
which is the total assets in all individual member accounts and
552
the denominator of which is the total assets of the Fund as a
553
whole.
554
(17) Death benefits.—
555
(b) Duty death.—In the event a member dies and the board
556
finds his or her death to be the natural and proximate result of
557
a personal injury or disease arising out of and in the course of
558
his or her actual performance of the duties as a police officer
559
in the employ of the city, the following applicable pensions in
560
subparagraphs 1.-6. shall be paid. The duty-related presumptions
561
provided in subparagraph (15)(a)2. apply to the determination of
562
whether the death arises out of the performance of duty.:
563
1. Effective October 1, 2003, The surviving spouse shall
564
receive a pension equal to two-thirds (⅔) of the member's
565
highest twelve (12) consecutive months' salary or the current
566
top step police officer pay, whichever is greater. Upon the
567
surviving spouse's death, the pension shall terminate. Any
568
pension payable under this paragraph shall be subject to the
569
provisions of subsection (18).
570
2. If, in addition to a surviving spouse, the deceased
571
member leaves an unmarried child or children under age eighteen
572
(18), each child shall receive a pension of $150.00 per month.
573
Upon any child's adoption, marriage, death, or attainment of age
574
eighteen (18), the child's pension shall terminate. Any pension
575
payable under this paragraph shall be subject to the provisions
576
of subsection (18).
577
3. In the event the deceased member does not leave a
578
surviving spouse, or if the surviving spouse dies, and the
579
member leaves an unmarried child or children under age eighteen
580
(18), each child shall receive a pension of an equal share of
581
one-third of the deceased member's final average salary. Upon
582
any child's adoption, marriage, death, or attainment of age
583
eighteen (18), the child's pensions shall terminate and it shall
584
be apportioned to the pensions payable to the deceased member's
585
remaining eligible children under age eighteen (18). Any pension
586
payable under this paragraph shall be subject to the provisions
587
of subsection (18).
588
4. Any pensions payable, under subparagraphs 2. and 3.
589
above, to any child under age eighteen (18) shall be paid to his
590
or her legal guardian.
591
5. In the event the deceased member does not leave a
592
surviving spouse, nor children under age eighteen (18) eligible
593
to receive a pension provided for in subparagraph 1.,
594
subparagraph 2. or subparagraph 3., and the member leaves a
595
parent or parents who the board finds are dependent upon the
596
member for at least fifty (50) percent of his, her, or their
597
financial support, then each parent shall receive a pension of
598
an equal share of one-third (⅓) of the deceased member's final
599
average salary. Upon any such parent's remarriage or death, his
600
or her pension shall terminate. Any pension payable under this
601
paragraph shall be subject to the provisions of subsection (18).
602
6. In the event the deceased member does not leave a
603
surviving spouse, children, or parents eligible to receive a
604
pension, then the death benefit, if any, shall be paid to the
605
estate of the deceased member. Any retirement income payments
606
due after the death of a vested member may, in the discretion of
607
the board, be paid to the member's designated beneficiary or
608
beneficiaries.
609
(21) Investments.—
610
(a) Power and authority of Board to invest and reinvest
611
moneys.—The board shall have the power and authority to invest
612
and reinvest the moneys of the fund and to hold, purchase, sell,
613
assign, transfer, and dispose of any securities and investments
614
held in the fund, including the power and authority to employ
615
counseling or investment management services. The aim of the
616
investment policies shall be to preserve the integrity and
617
security of fund principal, to maintain a balanced investment
618
portfolio, to maintain and enhance the value of the fund
619
principal, and to secure the maximum total return on investments
620
that is consonant with safety of principal, provided that such
621
investments and reinvestments shall be limited only by the
622
investments permitted by the investment policy guidelines
623
adopted by the board in accordance with Florida law.
624
Notwithstanding the foregoing, investments in foreign
625
investments are limited in accordance with section
626
185.06(1)(b)4, Florida Statutes.
627
1. The board members must discharge these duties with
628
respect to the plan solely in the interest of the participants
629
and beneficiaries and:
630
a. For the exclusive purpose of providing benefits to
631
participants and their beneficiaries and defraying reasonable
632
expenses of administering the plan;
633
b. With the care, skill, prudence, and diligence under the
634
circumstances then prevailing that a prudent person acting in
635
like capacity and familiar with such matters would use in the
636
conduct of an enterprise of a like character and with like aims;
637
and
638
c. By diversifying the investments of the plan so as to
639
minimize the risk of large losses, unless under the
640
circumstances it is clearly prudent not to do so.
641
2. Notwithstanding any other provision of this subsection
642
and as provided in sections 215.473 and 215.4725 section
643
215.473, Florida Statutes, the board must identify and publicly
644
report any direct or indirect holding it may have in any
645
scrutinized company, as defined in sections 215.473 and 215.4725
646
section 215.473, Florida Statutes. In accordance with the
647
requirements under sections 215.473 and 215.4725, Florida
648
Statutes Beginning January 1, 2010, the board must proceed to
649
sell, redeem, divest, or withdraw all publicly traded securities
650
it may have directly in any scrutinized company. The divestiture
651
of any such security must be complete by September 10, 2010. The
652
board and its named officers or investment advisors may not be
653
deemed to have breached their fiduciary duty in any action taken
654
to dispose of any such security, and the board shall have
655
satisfactorily discharged the fiduciary duties of loyalty,
656
prudence, and sole end exclusive benefit to the participants of
657
the Pension fund and their beneficiaries if the board's actions
658
are consistent with the duties imposed by section 215.473,
659
Florida Statutes, as provided for in section 185.06(7), Florida
660
Statutes, and the manner of the disposition, if any, is
661
reasonable as to the means chosen. For purposes of determining
662
which companies are scrutinized companies, the board may use
663
utilizes the list of scrutinized companies as developed by the
664
State Board of Administration. No person may bring any civil,
665
criminal, or administrative action against the Board of Trustees
666
or any employee, officer, director, or advisor of such Pension
667
fund based upon the divestiture of any security pursuant to this
668
subparagraph.
669
(d) Performance evaluation and manager selection.—At least
670
once every three (3) years, the Board of Trustees shall retain
671
an independent consultant professionally qualified to evaluate
672
the performance of its professional money manager or investment
673
counsel. The independent consultant shall make recommendations
674
to the Board of Trustees regarding the selection of money
675
managers for the next investment term. These recommendations
676
shall be considered by the Board of Trustees at its next
677
regularly scheduled meeting. The date, time, place, and subject
678
of this meeting shall be advertised in a newspaper of general
679
circulation in the municipality at least ten (10) days prior to
680
the date of the hearing.
681
(26) Review procedures.—
682
(a) The applicant for benefits under this act may, within
683
twenty (20) days after being informed of the denial of his
684
request for pension benefits, appeal said denial by filing a
685
reply to the proposed order with the pension's coordinator. If
686
no appeal is filed within the time period, then the proposed
687
order shall be final.
688
(b) The Board of Trustees shall hold a hearing within 90
689
calendar forty-five (45) days after of the receipt of the
690
appeal, allowing for discovery of records and witnesses. Written
691
notice of said hearing shall be sent by electronic delivery or
692
certified mail to the applicant, at the address listed on his
693
application or to his designated representative, no less than 10
694
calendar ten (10) days prior to the hearing.
695
(c) The procedure at the hearing shall be as follows:
696
1. All parties shall have an opportunity to respond, to
697
present physical and testimonial evidence and argument on all
698
issues involved, to conduct cross examination, to submit
699
rebuttal evidence, and to be represented by counsel. Medical
700
reports and depositions may be accepted in lieu of live
701
testimony, at the board's discretion.
702
2. All witnesses shall be sworn.
703
3. The applicant and the board shall have an opportunity
704
to question all witnesses.
705
4. While the Florida Rules of Civil Procedure and the
706
strict Florida Rules of Evidence do Formal rules of evidence and
707
formal rules of civil procedure shall not apply to these
708
proceedings, irrelevant and unduly repetitious evidence may be
709
excluded. Hearsay evidence may be used for the purpose of
710
supplementing or explaining other evidence, but it shall not be
711
sufficient in itself to support a finding unless it would be
712
admissible over objection in civil actions. The proceedings
713
shall comply with the essential requirements of due process and
714
law.
715
5. The record in a case governed by this subsection shall
716
consist only of:
717
a. A tape recording or transcript of the hearing, to be
718
taped and maintained as part of the official files of the Board
719
of Trustees by the plan's administrator pension's secretary.
720
b. Evidence submitted for admission into the record
721
received or considered.
722
c. All notices, pleadings, motions, and intermediate
723
rulings.
724
d. Any decisions, opinions, proposed or recommended
725
orders, or reports by the Board of Trustees.
726
(d) Within 10 calendar five (5) days after the hearing,
727
the board shall take one (1) of the following actions:
728
1. Grant the pension benefits by overturning the proposed
729
order by majority vote.
730
2. Deny the benefits and approve the proposed order as a
731
final order, after making any changes in the order that the
732
board feels is necessary.
733
(e) Findings of fact by the board shall be based on
734
competent, substantial evidence on the record.
735
(f) Upon Within twenty (20) calendar days after rendering
736
its order, the Board of Trustees shall send the order to the
737
applicant or applicant's representative by electronic or
738
certified mail a copy of said order to the applicant.
739
(g) The applicant may seek review of the order of the
740
board of trustees by filing a petition for writ of certiorari
741
with the circuit court within thirty (30) days.
742
(27) Lump sum payment of small retirement income.—
743
Notwithstanding any provision of the fund to the contrary, if
744
the monthly retirement income payable to any person entitled to
745
benefits hereunder is less than thirty dollars ($30.00) or if
746
the single sum value of the accrued retirement income is less
747
than seven one thousand dollars ($7,000.00 1,000.00) as of the
748
date of retirement or termination of service, whichever is
749
applicable, the Board of Trustees, in the exercise of its
750
discretion, may specify that the actuarial equivalent of such
751
retirement income be paid in lump sum.
752
(29) Internal Revenue Code limits.—
753
(a) In no event may a member's annual benefit exceed
754
$280,000 in 2025 which is adjusted one hundred sixty thousand
755
dollars ($160,000.00) (adjusted for cost of living in accordance
756
with Internal Revenue Code (IRC) Section 415(d)).
757
(f)1.a. Effective for permissive service credit
758
contributions made in limitation years beginning after December
759
31, 1997, if a member makes one or more contributions to
760
purchase permissive service credit under the system, as allowed
761
in subsection (23), the requirements of this section will be
762
treated as met only if:
763
(I) The requirements of Code Section 415(b) are met,
764
determined by treating the accrued benefit derived from all such
765
contributions as an annual benefit for purposes of Code Section
766
415(b); or
767
(II) The requirements of Code Section 415(c) are met,
768
determined by treating all such contributions as annual
769
additions for purposes of Code Section 415(c).
770
b. For purposes of applying sub-sub-subparagraph a.(I),
771
the system will not fail to meet the reduced limit under Code
772
Section 415(b)(2)(C) solely by reason of this sub-subparagraph,
773
and for purposes of applying sub-sub-subparagraph a.(II), the
774
system will not fail to meet the percentage limitation under
775
Code Section 415(c)(1)(B) solely by reason of this sub-
776
subparagraph.
777
2. For purposes of this paragraph, the term "permissive
778
service credit" means service credit:
779
a. Recognized by the system for purposes of calculating a
780
member's benefit under the plan.
781
b. Which the member has not received under the plan; and
782
c. Which the member may receive only by making a voluntary
783
additional contribution, in an amount determined under the
784
system, which does not exceed the amount necessary to fund the
785
benefit attributable to such service credit.
787
Effective for permissive service credit contributions made in
788
limitation years beginning after December 31, 1997, such term
789
may, if otherwise provided by the system, include service credit
790
for periods for which there is no performance of service, and
791
may include service credited in order to provide an increased
792
benefit for service credit which a member is receiving under the
793
system.
794
(g) If the plan accepts a direct rollover of an employee's
795
or former employee's benefit from a defined contribution plan
796
qualified under Code Section 401(a) which is maintained by the
797
employer, any annuity resulting from the rollover amount that is
798
determined using a more favorable actuarial basis than required
799
under Code Section 417(e) shall be included in the annual
800
benefit for purposes of the limit under Code Section 415(b).
801
(30) Minimum distribution of benefits.—
802
(a) General rules.—
803
1. The plan will pay all benefits in accordance with good
804
faith interpretation of the requirements of Code Section
805
401(a)(9) and the regulations in effect under that section, as
806
applicable to a governmental plan within the meaning of Code
807
Section 414(d).
808
2. Precedence. The requirements of this section will take
809
precedence over any inconsistent provisions of the plan.
810
(b) Time and manner of distribution.—
811
1. Required beginning date.—
812
a. The member's entire interest will be distributed, or
813
begin to be distributed, to the member no later than the
814
member's required beginning date. The member's required
815
beginning date is April 1 of the calendar year following the
816
later of the calendar year in which the member attains the
817
applicable age or the calendar year in which the member
818
terminates employment with the City.
819
b. The applicable age is as follows:
820
(I) For a member who attained age 70½ before December 31,
821
2019, the applicable age is 70½.
822
(II) For a member who attained age 72 before January 1,
823
2023, the applicable age is 72.
824
(III) For a member who attains age 72 after December 31,
825
2022, the applicable age is 73.
826
(IV) For a member who attains age 74 after December 31,
827
2032, the applicable age is 75.
828
2. Death of member before distribution begins.—If the
829
member dies before distribution begins, the member's entire
830
interest will be distributed, or begin to be distributed, no
831
later than as follows:
832
a. If the member's surviving spouse is the member's sole
833
designated beneficiary, distributions to the surviving spouse
834
will begin by December 31 of the calendar year immediately
835
following the calendar year in which the member died, or by a
836
date on or before December 31 of the calendar year in which the
837
member would have attained the applicable age, as the surviving
838
spouse elects. Effective for calendar years beginning after
839
December 31, 2023, a surviving spouse who is the member's sole
840
designated beneficiary may elect to be treated as if the
841
surviving spouse were the employee as provided under Code
842
Section 401(a)(9)(B)(iv).
843
b. If the member's surviving spouse is not the member's
844
sole designated beneficiary, distributions to the designated
845
beneficiary will begin by December 31 of the calendar year
846
immediately following the calendar year in which the member
847
died, unless the beneficiary qualifies as an eligible designated
848
beneficiary, in which case the benefit can be distributed within
849
5 years after the member died.
850
3. Death after distribution begins.—If the member dies
851
after the required distribution of benefits has begun, the
852
remaining portion of the member's interest must be distributed
853
at least as rapidly as under the method of distribution before
854
the member's death.
855
4. Form of distribution.—Unless the member's interest is
856
distributed in the form of an annuity purchased from an
857
insurance company or in a single sum on or before the required
858
beginning date, as of the first distribution calendar year,
859
distributions will be made in accordance with this section. If
860
the member's interest is distributed in the form of an annuity
861
purchased from an insurance company, distributions thereunder
862
will be made in accordance with the requirements of Section
863
401(a)(9) of the Code and Treasury regulations. Any part of the
864
member's interest which is in the form of an individual account
865
described in Code Section 414(k) will be distributed in a manner
866
satisfying the requirements of Section 401(a)(9) of the Code and
867
Treasury regulations that apply to individual accounts.
868
(c) Determination of amount to be distributed each year.—
869
1. General requirements. If the member's interest is paid
870
in the form of annuity distributions under the plan, payments
871
under the annuity will satisfy the following requirements:
872
a. The annuity distributions will be paid in periodic
873
payments made at intervals not longer than 1 year.
874
b. The member's entire interest must be distributed
875
pursuant to this plan document and in any event over a period
876
equal to or less than the member's life or the lives of the
877
member and a designated beneficiary, or over a period not
878
extending beyond the life expectancy of the member or of the
879
member and a designated beneficiary. The life expectancy of the
880
member, the member's spouse, or the member's beneficiary may not
881
be recalculated after the initial determination for purposes of
882
determining benefits.
883
2. Amount required to be distributed by required beginning
884
date. The amount that must be distributed on or before the
885
member's required beginning date is the payment that is required
886
for one payment interval. The second payment need not be made
887
until the end of the next payment interval even if that payment
888
interval ends in the next calendar year. Payment intervals are
889
the periods for which payments are received, e.g., monthly. All
890
of the member's benefit accruals as of the last day of the first
891
distribution calendar year will be included in the calculation
892
of the amount of the annuity payments for payment intervals
893
ending on or after the member's required beginning date.
894
3. Additional accruals after first distribution calendar
895
year. Any additional benefits accruing to the member in a
896
calendar year after the first distribution calendar year will be
897
distributed beginning with the first payment interval ending in
898
the calendar year immediately following the calendar year in
899
which such amount accrues.
900
(d) General distribution rules.—
901
1. The amount of an annuity paid to a member's beneficiary
902
may not exceed the maximum determined under the incidental death
903
benefit requirement of Code Section 401 (a)(9)(G), and effective
904
for any annuity commencing on or after January 1, 2008, the
905
minimum distribution incidental benefit rule under Treasury
906
Regulation Section 1.401(a)(9)-6, Q&A-2.
907
2. The death and disability benefits provided by the plan
908
are limited by the incidental benefit rule set forth in Code
909
Section 401 (a)(9)(G) and Treasury Regulation Section 1.401-
910
1(b)(1)(I) or any successor regulation thereto. As a result, the
911
total death or disability benefits payable may not exceed 25
912
percent of the cost for all of the members' benefits received
913
from the retirement system.
914
(e) Definitions.—As used in this subsection, the term:
915
1. "Designated beneficiary" means the individual who is
916
designated as the beneficiary under the plan and is the
917
designated beneficiary under Code Section 401(a)(9) and Treasury
918
Regulation Section 1.401(a)(9)-1, Q&A-4.
919
2. "Distribution calendar year" means a calendar year for
920
which a minimum distribution is required. For distributions
921
beginning before the member's death, the first distribution
922
calendar year is the calendar year immediately preceding the
923
calendar year which contains the member's required beginning
924
date. For distributions beginning after the member's death, the
925
first distribution calendar year is the calendar year in which
926
distributions are required to begin pursuant to this plan
927
document.
928
(30) Required distributions.
929
(a) In accordance with IRC Section 401(a)(9), all benefits
930
under this plan will be distributed, beginning not later than
931
the required beginning date set forth below, over a period not
932
extending beyond the life expectancy of the police officers or
933
the life expectancy of the police officer and a beneficiary
934
designated in accordance with subsection (9)(e).
935
(b) Any and all benefit payments shall begin by the later
936
of:
937
1. April 1 of the calendar year following the calendar
938
year of the member's retirement date; or
939
2. April 1 of the calendar year following the calendar
940
year in which the member attains age 70½.
941
(c) If an employee dies before his entire vested interest
942
has been distributed to him or her, the remaining portion of
943
such interest shall be distributed at least as rapidly as
944
provided for under subsection (17).
945
(31)(a) Rollovers from qualified plans.—An active A member
946
may roll over all or a part of his or her interest in another
947
qualified plan to the fund, provided all of the following
948
requirements are met:
949
1. Some or all of the amount distributed from the other
950
plan is rolled over to this plan no later than the 60th day
951
after distribution was made from the plan or, if distributions
952
are made in installments, no later than the 60th day after the
953
last distribution was made.
954
2. The amount rolled over to this fund does not include
955
any amount contributed by the member to the plan on a post-tax
956
basis.
957
3. The rollover is made in cash.
958
4. The member certifies that the distribution is eligible
959
for a rollover.
960
5. Any amount which the trustees accept as a rollover to
961
this fund shall, along with any earnings allocated to them, be
962
fully vested at all times.
963
6. Effective October 1, 2012, the assets that are rolled
964
over may not be invested in the fixed rate option. The assets
965
may only be invested in the option for the plan returns, and the
966
rolled over assets shall be subject to paying the pro rata
967
administrative and investment expense of the plan.
968
A rollover may also be made to this plan from an individual
969
retirement account qualified under section 408 of the Internal
970
Revenue Code when the individual retirement account was merely
971
used as a conduit for funds from another qualified plan and the
972
rollover is made in accordance with the rules provided in
973
paragraphs (1)—(5). Amounts rolled over may be segregated from
974
other fund assets. The trustees shall separately account for
975
gains, losses, and administrative expenses of these rollovers as
976
provided for in subsections (11) and (13). In addition, the fund
977
may accept the direct transfer of a member's benefits from
978
another qualified retirement plan or an Internal Revenue Code
979
Section 457 plan. The fund shall account for direct transfers in
980
the same manner as a rollover and shall obtain certification
981
from the member that the amounts are eligible for a rollover or
982
direct transfer to this fund.
983
(34) Other police officer or military service.—
984
(a) Prior police officer or military service.—Unless
985
otherwise prohibited by law, the years, or fractional parts of
986
years, that a member served as a police officer for any other
987
municipal, county, state, or federal law enforcement office or
988
any time served in the military service of the Armed Forces of
989
the United States shall be added to the years of credited
990
service, provided that the member contributes to the fund the
991
sum that would have been contributed, based on the member's
992
salary and the employee contribution rate in effect at the time
993
that the credited service is requested, had the member been a
994
member of this system for the years, or fractional parts of
995
years, for which the credit is requested, plus the amount
996
actuarially determined, such that the crediting of service does
997
not result in any cost to the fund, plus payment of costs for
998
all professional services rendered to the board in connection
999
with the purchase of years of credited service. In all cases,
1000
the member purchasing service shall make payment to the plan
1001
which is at least equal to the then-current member contributions
1002
for the amount of time being purchased.
1003
1. Payment by the member of the required amount may be
1004
made within six (6) months after the request for credit and in
1005
one (1) lump sum payment, or the member may buy back this time
1006
over a period equal to the length of time being purchased or
1007
five (5) years, whichever is greater, at an interest rate which
1008
is equal to the fund's actuarial assumption. A member may
1009
request to purchase some or all years of service.
1010
2. The credit purchased under this subsection shall count
1011
for all purposes, except vesting.
1012
3. In no event, however, may credited service be purchased
1013
pursuant to this section for prior service with any other
1014
municipal, county, state, or federal law enforcement office, if
1015
such prior service forms or will form the basis of a retirement
1016
benefit or pension from another retirement system or plan.
1017
4. In the event that a member who is in the process of
1018
purchasing service suffers a disability and is awarded a benefit
1019
from the plan, the member shall not be required to complete the
1020
buyback. However, contributions made prior to the date the
1021
disability payment begins will be retained by the fund.
1022
5. If a member who has either completed the purchase of
1023
service or is in the process of purchasing service terminates
1024
before vesting, the member's contributions shall be refunded,
1025
including the buyback contributions.
1026
6. A request to purchase service may be made at any time
1027
during the course of employment; however, the buyback is a one-
1028
time opportunity.
1029
7. A member who previously served as a police officer with
1030
the city during a period of employment and for which accumulated
1031
contributions were withdrawn from the fund may recontribute such
1032
withdrawn contributions plus interest from the date of
1033
withdrawal to the date of repayment in accordance with
1034
subsection (6).
1035
8. A member may purchase up to five (5) years of credited
1036
service total for prior police or military service.
1037
(35) Reemployment after retirement.—
1038
(c) Reemployment after normal retirement in Police
1039
Department.—Any retiree who is retired after normal retirement
1040
pursuant to this plan shall not be reemployed by the City Police
1041
Department as a police officer or in any position that
1042
supervises police officers. The pension of a retiree who is
1043
reemployed by the City Police Department as a police officer or
1044
in any position that supervises police officers shall stop until
1045
the member terminates employment. However, a retiree who is
1046
reemployed by the City Police Department neither as a police
1047
officer nor in any position that supervises police officers is
1048
eligible to participate in the plan offered to new employees of
1049
that employee classification, and the retiree shall be deemed a
1050
new employee subject to any vesting and contribution
1051
requirements of that plan. The benefit paid under this plan
1052
shall not be changed in any way.
1053
Section 2. This act shall take effect upon becoming a law.