HomeMy Public PortalAboutORD12117 • + ,� ,L `k�Sl's 'b�rd�±,r mi �;y}ts4 �t :f,h�Sx nt^ f +�' 'ivy j':� < �s t�tp .,tL/�. �rt�a'�"( "`tL�a � x41ua1.
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BILL NO. 94-50 SUBSTITUTE
SPONSORED BY COUNCILMAN Chris Wrigley
•` `�`` RDINANCE NO. 12117
AN ORDINANCE OF THE CITY OF JEFFERSON, MISSOURI, AMENDING THE FIREFIGHTER'S
RETIREMENT PLAN TO CLARIFY AND UPDATE LANGUAGE OF THE PLAN.
#' BE IT ENACTED BY THE COUNCIL OF THE CITY OF JEFFERSON, MISSOURI, AS FOLLOWS:
Section 1. Section 2.2 of Article II, Definitions, of the Firefighters Retirement Plan (hereinafter ;
.,.' referred to as the "Plan") is amended to read as follows:
2.2 "Average Final Compensation" means the monthly average of the highest
«. consecutive twelve (12) months of a Member's Compensation during that Member's last
sixty (60) months of service as a Firefighter.
Section 2. Section 2.7 of Article Il, Definitions, of the Plan is amended to read as follows:
2.7 "Compensation" means the basic monthly wage or salary, including holiday pay, `
' ;.F.
N" paid to a• Firefighter, excluding bonuses, overtime, expense allowance and other '`?
x#T„ extraordinary compensation. For this purpose, any Member who is on a workers'
'r compensation leave of absence shall be deemed to have continued receiving the same
t't...
level of Compensation as in effect immediately prior to the commencement of the leave.
{#_ The immediately preceding sentence shall not apply, however, to any workers'
compensation leave of absence during which a Member fraudulently obtains
t r1. J'..
workers' compensation benefits. Instead, any such leave shall be excluded from
both of the twelve (12) month and sixty (60) month periods described in Section 2.2.
For Plan Years beginning after December 31, 1995, a Member's annual
Compensation shall be limited to $150,000.00, as adjusted by the Commissioner of the
` Internal Revenue Service for increases in the cost of living in accordance with Section
' 401(a)(17)(B) of the Code. The cost of living adjustment in effect for a calendar year shall t,
f r
apply to any 12-consecutive-month period beginning in such calendar year. I i
x,
Compensation earned during any 12-consecutive-month period beginning before
December 31, 1995, is taken into account in determining a Member's benefits accruing in
a Plan Year beginning after December 31, 1995, the Member's Compensation for that 12-
x consecutive-month period shall be limited to $150,000.00, unadjusted for any subsequent
increases in the cost of living.
In determining the Compensation of a Member for purposes of any dollar limitation
set forth in the preceding paragraph, the rules of Section 414(q)(6) of the Code shall
aPP I Y� except in applying such rules, the term "family" shall include only the spouse of the
Member and any lineal descendants of the Member who have not attained age 19 before
the close of the Plan Year. If, as a result of the application of such rules, a dollar
limitation is exceeded, then the limitation shall be prorated among the affected individuals
in proportion to each such individual's Compensation as determined prior to the
application of the dollar limitation.
}t* ,. �^ery� �;^j�,j+t'ztya }��;�. { {k ! X11 y"►�f""�;f! 5Y •f'`"�T 4. p• v
.irt.; n•S t• r:^,Zr.h}!Yi�4i�'tnt::yd'�v � "{ f��',Y�"�Sk.ti ty'��u4��t��r�� 4�!;'�� "}��{ .a t i a,w'
.' .} F`. f Ct v.. t.t'; Y �t '_ !�'�c..�';`�•'�. ✓�'„ h`'.in�ii�;,:�',}j�'l.k�t {Lp,{..t,k: yy .
;A P1. 't tt bs.. t 'tL 476,. 5* .Y• Y,� w{{4,r cr.;.:r2 w:.��'.i:�':Pi i,n;,'
r `
f 7R; .,, �:.a. L � 1 a.,t r4F:.,l rat:e7c;rM as`'i a^^ p ..;:•��:.i,i"� '.'� s 'Y7 N.' .iyTad.rf�� ^�a+4t'>t c:�Y�,.a:.:".yy.�a'Ye
!v ett it - +'ny "rmtx "'"C'� tik$�' � v ! r ..4: A•�� y .4�.
Section 3. Section 6.3 of Article 111, Disability Benefits, of the Plan is amended to read as
Ftl
follows:
6.3 Determination of Disability. A Member will be deemed to be permanently and c
totally disabled when he is in a state or condition of disability which prevents, presumably
for the rest of the Member's lifetime, his performing the duties of a Firefighter. Such
disability, whether duty or nonduty, must not have been contracted, suffered or incurred
c�• 'v�i
u. while the Member was engaged in, or result from his having been engaged in, a criminal
act or enterprise, or result from habitual drunkenness or addiction to narcotics, or from rs
self-inflicted injury, or from disability incurred while in the service of the Armed Forces o
the United States or of any foreign country. The Board will determine in its sole judgment
L
r{ Y' whether the status of permanent and total disability exists, and its determination will be
$ ' binding and conclusive. In making such determination, the Board will consider the written
u findings of a physician selected by the Board. The Member may, at his own expense,
provide a written opinion to the Board from a physician of his own choice. The Board .
's reserves the right to seek the written opinion of additional physicians selected by the
Board where deemed appropriate. The expense of any examination required by the
Board will be paid by the Fund.
Section 4. Section 6.4 of Article VI, Disability Benefits, of the Plan is amended to read as
follows: ;`
- i
6.4 "Medical Examination." �u
(a) Biennial Examination. Unless the Member is otherwise entitled to an
equal or greater benefit under another provision of this Plan, any Member who isb
-{ rr receiving a Disability Benefit must undergo at least a biennial medical examination "g
` at a place designated by the Board. The examination will be made by a physician
designated by the Board. The Board may waive the requirement of a medical
`F examination for a period of up to four consecutive years.
(b) Other Examinations. When the Board has reason to believe that any YY.
� 1 Member who is subject to the biennial medical examination requirement set forth in `Y
subsection 6.4(a) may no longer be permanently and totally disabled, the Board 4=�.
may require the Member to undergo up to three medical examinations per Plan a'
Year, in addition to any biennial examination described in subsection 6.4(a).
Section 5. Subsection 6.5(b) of Article VI, Disability Benefits, of the Plan is amended to read as
' follows:
A'
(b) Termination of Disability. If any Member who is subject to the biennial
medical examination requirement set forth in subsection 6.4(a) is found by the
Board to be able to perform his duties, his Disability Benefit will cease.
` Section 6. The following new Article XA is added immediately after the existing Article X of the
Plan:
,Y
OcoundRordinance\ff-pl-am.ord
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�Y � 5h � 7 , YJ.}.,y.� jj�'. � y!5 .54 � �� y r irfiA' .. .i;r .y„ ,•a '`
' �" :qT• •.•1fCC.tB�F t S.i2`afi s r "tlY.�fU tl�;'S :;�+i A.�,� �r'�t9F,i t a t. dpi Ds ;;yT� r `..k� ,1}dr YYt, i(+�l`.i't:n!„"�' 4M.... keh `^nEi ..
t.L Y=s MS:1RA� Tr rA.c;9 4 ; ."I .�! " rl'.k:l•+' '
ARTICLE XA
DIRECT ROLLOVERS
Q�3111 10A.1 -Direct Rollovers. This Article applies to distributions made on or after January 1, l
1993. Notwithstanding any provision of the Plan to the contrary that would otherwise limit
a "distributee's" election, a distributee may elect, at the time and in the manner prescribed 0i
by the Plan Administrator, to have any portion of an "eligible rollover distribution" paid
directly to an "eligible retirement plan" specified by the distributee in a "direct rollover."
rv.
10A.2 Definitions. For purposes of this Article, the following terms shall have the meaning I
ascribed to them below:
(a) An "eligible rollover distribution" is any distribution of all or any
portion of the balance to the credit of the distributee, except that an eligible rollover
distribution does not include: any distribution that is one of a series of substantially '
' J1
equal periodic payments (not less frequently than annually) made for the life (or life
expectancy) of the distributee or the joint lives (or joint life expectancies) of the ;'Y'�,
distributee and the distributee's designated beneficiary, or for a specified period o =
ten years or more; any distribution to the extent such distribution is required under
Section 401 a 9 of the Code; and the
OO portion of any distribution that is not ,.
includible in gross income (determined without regard to the exclusion for net `
unrealized appreciation with respect to employer securities).
(b) An "eligible retirement plan" is an individual retirement account
described in Section 408(a) of the Code, an individual retirement annuity described
in Section 408(b) of the Code, an annuity plan described in Section 403(a) of the 4;
Code, or a qualified trust described in Section 401(a) of the Code, that accepts the
distributee's eligible rollover distribution. However, in the case of an eligible ' 1
rollover distribution to the surviving spouse, an eligible retirement plan is an
individual retirement account or individual retirement annuity.
A.
(c) A "distributee" includes a Firefighter or former Firefighter. In addition, `t
the Firefighter's or former Firefighter's surviving spouse and the Firefighter's or Y
former Firefighter's spouse or former spouse who is the alternate payee under a +
qualified domestic relations order, as defined in Section 414(p) of the Code, are
distributees with regard to the interest of the spouse or former spouse.
(d) A "direct rollover" is a payment by the Plan to the eligible retirement
plan specified by the distributee.
Section 7. Except as otherwise provided in the amended Plan provisions, the changes made by
this Amendment shall be effective as of July 15, 1994. x
Section 8. All other sections of the Firefighter's Retirement Plan, dated August 27, 1990, as
reviously amended, shall remain in effect.
Ocouncillordinancelff-pl-am.ord
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qx.
FIREFIGHTERS, RETIREMENT PLAN
of the
`{ CITY OF JEFFERSON,MISSOURI
Article I
Purpose
1.1 Pub, The Firefighters' Retirement Plan of the City of Jefferson, Missouri, is
established in the City of Jefferson for the exclusive benefit of the members of the Fire
Department and their beneficiaries. This Plan shall be interpreted in a manner consistent
` with the intention of the City of Jefferson that it qualify under Section 401 of the Internal
,1
Revenue Code.
Article II
DEFINITIONS
The following words and phrases, as used in this Plan and unless a different meaning is
plainly required by the context, will have the following meanings.
2.1 ".A,ccumulated Contributions"means the sum of all contributions made by a Member
pursuant to Section 10.1,together with Regular Interest thereon.
C :
2.2 "Average Final Compensation" means the monthly average of the highest
consecutive twelve(12)months of a Member's Compensation during that Member's last sixty
(60)months of service as a Firefighter.
2.3 "Benefici. means any person receiving or entitled to receive a benefit under the
Plan, either presently or upon a Member's death.
2.4 "Board of Tntstees"or"Board"means the board provided for herein to administer
the Plan.
2.5 "fy"means the City of Jefferson, Missouri.
2.6 " or"Internal Revenue Cgda"means the Internal Revenue Code of 1986,
as
it may be amended from time to time.
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2.7 "Compensation” means the basic monthly wage or salary, including holiday pay,
paid to a Firefighter, excluding bonuses, overtime, expense allowance and other
extraordinary compensation. For this purpose, any Member who is on a workers'
compensation leave of absence shall be deemed to have continued receiving the same level
of Compensation as in effect immediately prior to the commencement of the leave. The
immediately preceding sentence shall not apply, however, to any workers' compensation
leave of absence during which a Member fraudulently obtains workers' compensation
benefits. Instead,any such leave shall be excluded from both of the twelve(12) month and
i
4 sixty(60) month periods described in Section 2.2.
5
For Plan Years beginning after December 31, 1995, a Member's annual Compensation
shall be limited to $150,000.00, as adjusted by the Commissioner of the Internal Revenue
Service for increases in the cost of living in accordance with Section 40 1(a)(1 7)(B) of the 3
Code. The cost of living adjustment in effect for a calendar year shall apply to any 12-
consecutive-month period beginning in such calendar year. If Compensation earned during
any 12-consecutive-month period beginning beginning before December 31, 1995, is taken
into account in determining a Member's benefits accruing in a Plan Year beginning after
g g g g ;
December 31, 1995,the Member's Compensation for that 12-consecutive-month period shall
be limited to$150,000.00, unadjusted for any subsequent increases in the cost of living. t
In determining the Compensation of a Member for purposes of any dollar limitation set
.t forth in the preceding paragraph, the rules of Section 414(q)(6) of the Code shall apply'
Y except in applying such rules,the term "family"shall include only the spouse of the Member
and any lineal descendants of the Member who have not attained age 19 before the close of
the Plan Year. If,as a result of the application of such rules,a dollar limitation is exceeded,
then the limitation shall be prorated among the affected individuals in proportion to each
such individual's Compensation as determined prior to the application of the dollar }
limitation.
2.8 "Credited Service" means Prior Service plus Membership Service. r
2.9 "Effective Date"means February 20, 1947. '
t
' 2.10 "Eligible Child"means a person who;
a
(a) is a living, natural, adopted, foster or stepchild of a Member;
(b) is both single and principally dependent on the Member for economic support; ,¢
and
9
(c) has not reached his 19th birthday;
however,provided, h that no more than the youngest three of such living children will be
considered Eligible Children at any one time.
2 ;a
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.�;d .,1 t�p •� ti��+.:�'k.� f^$Y �3�s`�4�;r fir, ti�x:r^�f ,�iJ,.i ir�t.ro i � t"�,�} ,�:�=.•. �t.+ r p±�,1��y:'�,.�j# .
;+i°�4�+�,4t r t.f -,ri P,. �. 3+.. u t'f rtt f, J. .fi..i �;1R3� f �'ay.. �ri>:...s �vt � ,� y?r �>t:' .>•t ,5 CT;,,4 ..t�;�:>;n� ',,h ':9MY.'{
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rt t',� 4,s�y f '%� •�.. �st, , ,tf 1,� ` 'r.t,9 l�y '°r t
�3
'� " r in souse to whom a Member either;
2.11 "Eligible Spouse means that surviving p
;f. (a) is married on the date the Member(or his survivor)becomes eligible to receive
:* a Disability Benefit under Article VI, a Duty Death Benefit under Section 7.1, or a
,.r Nonduty Death Benefit under Section 7.2; or
y` > (b) has been married for at least 1 year on the date the Member becomes eligible to
receive a Reth=ent Benefit under Article IV or a Termination Benefit under Article V;
whichever is applicable.
2.12 "Fire Department" means the Fire Department of the City.
2.13 "ELrefWhter" means any officer or employee of the Fire Department employed for
the purpose of fire suppression,but not any employed in a clerical or janitorial capacity. The
°r f term will,however,include all persons originally employed for fire suppression duties,and
' who actually performed such duties, but for various reasons were transferred to other
divisions of the Fire Department. In case of doubt as to whether any person is a Firefighter
within the meaning of this Plan,the decision of the Board will be final.
2.14 "Firefighte Retirement Fund" or"Fund"means the trust fund established pursuant
to Article X.
2.15 "Member" means a member of the Plan, as defined in Article III.
;r 2.16 "Membershi8 Service" means service as a Firefighter rendered while a Member.
`t 2.17 "bn" means the pension plan embodied herein, as it may be amended from time
„ a to time.
2.18 "Elan Yr"means the fiscal year of the City.
2.19 "Prior Service"means all service as a Firefighter rendered before the Effective Date,
but only if evidenced by a prior service certificate issued pursuant to Section 3.5.
2.20 "Rggular Interest" means interest at the rate of 3 percent per annum, compounded
annually.
'
3
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"'111 Article III .
r
ELIGIBILITY
3.1 Membership Requirement.
(a) Present embers, All Firefighters in service on the Effective Date will become
r;. members of the Plan as of that date.
(b) New Member-. All persons who become Firefighters or who reenter the service
of the Fire Department as Firefighters after the Effective Date will become Members of
r the Plan as a condition of their employment by the City.
3.2 Termination and Restoration of Membership. Should any member with fewer than
5 years of Membership Service be absent from service for more than 4 years, or be {
discharged or resign from his employment by the Fire Department, he will thereupon cease
to be a Member and will forfeit all previous Membership Service; provided, however,.as
follows:
(a) A Member who has resigned may be restored to membership in the Plan without
loss of previous Membership Service if the following conditions have been performed or ,
have occurred:
(i) The resignation is set aside and the Member is restored to active duty by order
of the Chief of the Fire Department within 90 days of the date of the resignation;
(ii) The Member has not withdrawn his Accumulated Contributions; and
f,
(iii)The Member pays to the Fund,at the time of his return to active duty,the sum
of all contributions he would have made pursuant to Section 10.1 had he not resigned;
and
t
(b) A Member who has been discharged will be restored to membership in the Plan
without loss of previous Membership Service if the following conditions have been
Performed or have occurred:
x
b (i) The discharge is set aside, and the Member has been restored to active duty
y
(A) order of the Chief of the Fire Department within 90 days after the date of
the discharge,
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(B) order of the Mayor or City Administrator, or a decision of the Arbitration :
Board as provided by work agreement,
(C)judgment of a court of competent jurisdiction;
(ii) either
(A) The Member has not withdrawn his Accumulated Contributions; or
(B) The Member repays to the Fund,at the time of his return to active duty,all
Accumulated Contributions he has withdrawn; and
(iii)The member repays to the Fund, at the time of his return to active duty,the sum
of all contributions he would h,-ve made pursuant to Section 10.1 had he not been
discharged.
The failure of a Member to repay,at the time he is restored to active duty,the contributions
withdrawn and/or omitted during the interval of his absence from service will deprive him
of all Membership Service represented by such contributions. In no event will a Member
lose credit for Prior Service.
3.3 Termination of Employment• Leave of Absence. Should any Member, after the
Effective Date, be absent by authority of the Chief of the Fire Department, due either to
military service or to a temporary leave of absence, he will not, because of such absence,
cease to be a Member. If the service of any Member is terminated for any reason other than
s
those described in the preceding sentence,he shall thereupon cease to be a Member.
3.4 Credit d Service upon Reemployment. Provided such Member elects within 3 years
after reemployment, a Member who resigned or was discharged, who withdrew his
Accumulated Contributions,and who thereby forfeited his Membership Service will receive
credit for his previous Membership Service if he again becomes a Member and remains
employed for at least 2 consecutive years thereafter.
Upon such election, the Member shall repay in one lump sum all Accumulated
Contributions withdrawn,plus interest calculated from the date of withdrawal to,the date of
repayment at a rate equal to the average earnings of the Fund between such dates.
Members rehired prior to the date of execution hereof who have been reemployed at least
2 years must exercise the election herein provided within 1 year after such execution date.
5
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3.5 Member's Service Record.
t•.' y1
(a) Prior rfte. Under such rules and regulations as the Board of Trustees will '
adopt, each Member who was a Firefighter on or before the Effective Date and who
E >} becomes a Member within one year from such date, will file a detailed statement of all
, .r. service as a Firefighter rendered by him prior to that date for which he claims credit. ;
' (b) Credit for SeW'ee. The Board will determine by proper rules and regulations
how much service in any year is equivalent to one year of service,but in no case will more
than one year of service be credited for all service in any one calendar year, nor will the
r' Board of Trustees allow credit as Prior Service for any period of more than one month's
Pf` duration during which the Member was absent without pay.
j' $
(c) Verification of Service Claim. Subject to the above restrictions and to such other
rules and regulations as the Board of Trustees may adopt,the Board of Trustees will verify ti
the service claim as soon as practicable after the filing of such statement of nor service.
P g prior
(d) Prior Service Certificates. Upon verification of the statements of prior service, ;y
the Board of Trustees will issue prior service certificates, certifying to each Member the
amount of Prior Service with which he is credited. So long as the holder of such
certificate continues to be a Member, a prior service certificate shall be final and
conclusive for retirement or pension purposes as to such service; provided, however,that ti"s
any Member may, within one year from the date of issuance or modification of such ;$
certificate, request the Board to modify or correct his prior service certificate, and upon
s such request, or on its own motion,the Board may correct such certificate.
}i t
! (e) Determining Credited Service. Credited Service at a Member's retirement or N
other termination of employment will consist of the Membership Service rendered by him
since he last became a Member,any previous Membership Service to which he is entitled
pursuant to Section 3.4, and his Prior Service. '
u article IV
RETIREMENT BENEFITS
4.1 Retirement Benefit.
r
'a (a) Eli ibili A Member will receive a Retirement Benefit under the Plan if he
meets the following requirements:
(i) he terminates his employment with the City;
Y (ii) he has completed at least 24 years of Credited Service;
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d.
ftr�S r},y s7/r ( �.y c,rP S.s � +p. .z r.' J .f1 .�,Y't 'd t df'' S,,Td r�v ,{ 5>$ +ze.�^�ohd{Cdr' 1•: i`
+ +. '< 5�+ it,.lat r a.t '� � t°ii., �'rr { 9, 'i J t . ,t,rs y in'�, t t�S{A�. N.{tttT j+l {{ y,�j tPith 7d st1S��t"�ry�3,�'•
•`��, � S t'r.�tl ti) r � �'� ( Y i+ , i rt t i i .EZ jft {i(•tS.Y,t "F etS ri
l'x. 1 4i ts•k+� itt. #{,�,, yr :#dr ) tt c.' s "t : Xti �i7Y. > t �r' {{''ntt+t� } �2. e'�� 'fir
tf•`:P . •t�fq,d�,�r a h..*,,4�, d #Y57' � "{5'' i s 4 l.r� gadt, rS °i�"t.? rgt.Ss ''J :'�.:r'"+�,~� '�,y�rr. IrY�i*�
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(iii)his last 2 years of Credited Service were consecutive; and
(iv) if the Member first became a Firefighter after November 1, 1989,he is at least
55 years of age.
(b) Benefit. A Retirement Benefit will consist of a life annuity under which a
Member receives monthly payments equal to 60 percent of his Average Final
.1 Compensation, and will accrue from the Member's retirement date.
(c) In addition to the Retirement Benefit provided in subpart (b) hereof, a Member
shall receive an Extended Duty Benefit for full years of service above 24 years. The
Extended Duty Benefit shall be an amount equal to 1 percent of a Member's Average Final
Compensation for each additional year, but in no event shall exceed 5 percent of a
Member's Average Final Compensation.
(d) Duration. The Payment of a Retirement Benefit will commence as soon as
administratively practicable after a Member's retirement date, and will terminate upon
payment of the amount payable on the first day of the month in which the Member dies. a
Any application for a Retirement Benefit must specify a retirement date not fewer than
30 nor more than 90 days after the date the application is filed. If the Member's service
has been discontinued during the notification period, he will nonetheless be retired as of
the date specified.
Article V
^i
'2
TERMINATION BENEFITS
5.1 Termination Benefit.
.r
(a) Eligibil i . Any Member not eligible to receive the Retirement Benefit described
in Section 4.1 will receive a Termination Benefit under the Plan,if he meets the following
requirements;
(i) he terminates his employment with the City; and
(ii) has completed at least 10 years of Credited Service.
(b) Benefit. A Termination Benefit will consist of a life annuity under which a .
Member receives monthly payments equal to 2.5 percent of his Average Final
Compensation,multiplied by his years of Credited Service, up to a maximum of 24 such
years, and will accrue from the Member's 60th birthday.
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:t s
c Duration. The payment of a Termination Benefit will commence as,soon as
administratively practicable after a Member's 60th birthday, and will terminate upon
payment of the amount payable on the first day of the month in which the Member dies.
I f Article'VI
DISABILITY BENEFITS
r
'4 6.1 DpV 12isabili Benefit.
{
(a) li i ili . A Member will receive a Duty Disability Benefit if he is permanently
and totally disabled(as defined in Section 6.3)by an injury or disease occurring in the line
of duty.
' (b) Benefit. A Duty Disability Benefit will consist of monthly payments equal to
60 percent of a Member's Average Final Compensation, plus an additional 5 percent of
such Average Final Compensation for each Eligible Child. This benefit will accrue from
/ the determination of permanent and total disability.
N
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F'
! (c) Duration. Payment of a Duty Disability Benefit will commence as soon as
administratively practicable after a determination of permanent and total disability, and
will terminate as provided in Section 6.5 or upon payment of the amount payable on the
first day of the month in which the Member dies. ry,
f7 i 9
6.2 Nonduty Disability Benefit.
1 i P!r
(a) Eli i ill . A Member will receive a Nonduty Disability Benefit if he has
completed at least 5 years of Credited Service and is permanently and totally disabled(as
defined in Section 6.3)by injury or disease not occurring in the line of duty,but while still $I
employed as a Firefighter.
(b) Benefit. A Nonduty Disability Benefit will consist of monthly payments equal
to 2.5 percent of a Member's Average Final Compensation, multiplied by his years of
Credited Service. In no event, however, will that amount be less than 25 percent, nor
more than 60 percent, of the Member's Average Final Compensation. That amount will
be increased by 5 percent of the Member's Average Final Compensation for each Eligible
Child. This benefit will accrue from the date of the determination of permanent and total
disability.
(c) • Duration. Payment of a Nonduty Disability Benefit will commence as soon as
administratively practicable after a determination of permanent and total disability, and
8
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? ay f4 .k,.F� iy� Ca r ar{" s lJ y'.it ", r7r it 5 t "1k. t' rti Y r�'!*x °f `� ° •}.
;�(g i•h � ��d�•tl���ts�+�d•4�.� .ri i ,rt j 1rrT.t t 1 a T w��,. 4.r t r Y i .t s`7 r v ♦ � }�I �'`. ";n�'+�5"{� 7: 7 t f�'�
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!.if ''Na X �t � 1j,,�'ski �i'2iwYt�^f.'''!.t!itr,Mtt+fit°_.tt E+'w ,yam N' + fi.,4 Eft�rr•,t .. to. '���}' " .
n 6.5 or u payment of the amount payable on the
t: will terminate as provided in Section on ym
p p
first day of the month in which the Member dies.
6,3 A Member will be deemed to be permanently and
totally disabled when he is in a state or condition of disability which prevents,presumably 4
for the rest of the Member's lifetime, his performing the duties of a Firefighter. Such
disability, whether duty or nonduty, must not have been contracted, suffered or incurred
ed in,or result from his having been engaged in, a criminal act
while the Member was engaged .
or enterprise, or result from habitual drunkenness or addiction to narcotics, or from self- ;
inflicted injury, or from disability incurred while in the service of the Armed Forces of the
United States or of any foreign country. The Board will determine in its sole judgment
;. whether the status of permanent and total disability exists, and its determination will be -j
' binding and conclpsive. In making such determination,the Board will consider the written
` r findings of a physician selected by the Board. The Member may, at his own expense,
provide a written opinion to the Board from a physician of his own choice. The Board a
reserves the right to seek the written opinion of additional physicians selected by the Board,
where deemed appropriate. The expense of any examination required by the Board will be
paid by the Fund.
'1
6.4 Medical Examination.
(a) biennial Examination. Unless the Member is otherwise entitled to an equal or a
greater benefit under another provision of this Plan, any Member who is receiving a
Disability Benefit must undergo at least a biennial medical examination at a place
designated by the Board. The examination will be made by a physician designated by the r
t
t= Board. The Board may waive the requirement of a medical examination for a period of
up to four consecutive years.
(b)
Other Examinations. When the Board has reason to believe that any Member who
is subject to the biennial medical examination requirement set forth in subsection 6.4(a)
may no longer be permanently and totally disabled,the Board may require the Member
to undergo up to three medical examinations per Plan Year, in addition to any biennial
ka' N
examination described in subsection 6.4(a).
6,5 isability Benefits.
(a) gPfi,cat of Examination. A Disability Benefit will cease to be paid.to any
Member who is required to undergo a medical examination and refuses. Benefit payments
will not resume until the Member submits to the examination. If the Member refuses to i
submit to an examination for one full year, the Board may revoke all of the Member's
rights in or to any Plan benefit.
> 9
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(b) Terminatjon of Disability, If any Member who is subject to the biennial medical
examination requirement set forth in subsection 6.4(a) is found by the Board to be able
to perform his duties, his Disability Benefit will cease.
Article VII
DEATH BENEFITS
7.1 Da Death Benefit.
(a) i i ili . A Member's Eligible Spouse and Eligible Children will receive a
Duty Death Benefit if the Member dies in the line of duty.
(b) Benefit. A Duty Death Benefit will consist of monthly payments to a Member's
Eligible Spouse equal to 50 percent of the Member's Average Final Compensation,plus
monthly payments to each of a Member's Eligible Children equal to 10 percent of the
Member's Average Final Compensation. This benefit will accrue from the date of the
Member's death.
(c) Duration. Payment of a Duty Death Benefit will commence as soon as
r administratively practicable after a Member's death, and will.terminate as provided in
Sections 7.4 and.7.5.
7.2 Nonduty Death Benefit.
(a) Eligibility. A Member's Eligible Spouse and Eligible Children will receive a
'k Nonduty Death Benefit if the Member dies outside the line of duty, but while still .,
employed as a Firefighter.
(b) Bene ft A Nonduty Death Benefit will consist of monthly payments to a
Member's Eligible Spouse equal to 2 percent of the Member's Average Final
. Compensation, multiplied by his years of Credited Service. In no event, however, will
that amount be less than 25 percent,nor more than 50 percent, of the Member's Average
Final Compensation. A Nonduty Death Benefit will further consist of monthly payments
to each of a Member's Eligible Children equal to 5 percent of the Member's Average Final
Compensation. This benefit will accrue from the date of the Member's death.
(c) Duration. Payment of a Nonduty Death Benefit will commence as soon as
administratively practicable after a Member's death, and will terminate as provided in
Sections 7.4 and 7.5.
10
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7.3 Retiree Death Benefit.
A (a) BjjgflUUy. A Member's Eligible Spouse and Eligible Children will receive a
Retiree Death Benefit if the Member dies while properly receiving a Retirement,
?' Termination, or Disability Benefit under Articles IV, V, or VI, respectively.
(b) Benefit, A Retiree Death Benefit will consist of-monthly payments to a
Member's Eligible Spouse equal to 50 percent of the monthly benefit being paid to the
Member immediately prior to his death,plus monthly payments to each of a Member's
Eligible Children equal to 5 percent of the Member's Average Final Compensation.
b
' (c) Duration. Payment of a Retiree Death Benefit will commence as of the first day
of the month immediately following a Member's death,and will terminate as provided in
Sections 7.4 and 7.5.
7.4 Termination of Benefit Upon Remarriage. Any Death Benefit being paid to an '
r Eligible Spouse who remarries will terminate upon payment of the amount due on the first
day of the month in which such remarriage occurs. Such remarriage will not affect any
Death Benefit then being paid to any Eligible Child.
7.5 Child's Benefit if no Eligible Spouse. If a Member dies,leaving no Eligible Spouse,
or if a Member's Eligible Spouse subsequently dies, any Death Benefit otherwise payable
(but for the spouse's death)to such spouse will be allocated equally among the Member's
Eligible Children. Solely for purposes of this Section 7.5, there will be no limit on the
number of a Member's Eligible Children. The full Death Benefit otherwise payable to the
Member's Eligible Spouse will continue to be reallocated among the Member's Eligible
Children until the Member no longer has any Eligible Children. The last such Eligible Child
will thus receive the full monthly Death Benefit otherwise payable to the Member's spouse,
plus any Death Benefit payable directly to such Eligible Child in his capacity as such.
7.6 Deferred Death Benefit,,
(a) Eli 'li . A Member's Eligible Spouse and Eligible Children will receive a
i Deferred Retiree's Survivor Benefit if the Member dies after satisfying the requirements for
a Termination Benefit under Article V,but prior to receiving any portion of that Benefit.
(b) Benefit. A Deferred Retiree's Survivor Benefit will consist of monthly payments
to a Member's Eligible Spouse equal to 50 percent of the monthly benefit the Member would
� have received as a Termination Benefit, plus monthly payments to each of a Member's
' Eligible Children equal to 5 percent of the Member's Average Final Compensation.
11 •
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(c) rat' . Payment of a Deferred Retiree's Survivor Benefit will commence as soon
as administratively practicable after the Member would have attained his 60th birthday,an
d
will terminate as provided in Section 7.4 and 7.5.
Article VIII
.y
BENEFIT LIMITATIONS
7
8.1 Section 415 Limitations. In no event will the benefits payable under the Plan exceed
the limitations applicable to the Plan under Code Section 415 and the regulations
promulgated thereunder, the provisions of which are incorporated herein by reference. If
benefits payable under any provision of the Plan would exceed such limitations, then
rnotwithstanding any other provisions of the Plan, such benefits shall be reduced to e extent
necessary to ensure that such limitations are not exceeded; provided, however, that if any
Member's benefits under this Plan, in combination with benefits provided under any other ,a
plan maintained by the City,would exceed such limitations,then the benefits provided under
this Plan will be reduced as provided in Section 8,3 and only to the extent necessary after
benefits under all other plans have been reduced to the maximum extent possible.
8,2 Current Accrued Benefit Not Affected. Notwithstanding the provisions of Section }
8.1,the adjusted maximum permissible amount will not be less than a Member's "current
k accrued benefit." A Member's current accrued benefit is a Member's accrued benefit under
the Plan,determined as if the Member had separated from service as of December 31, 1986,
'# when expressed as an annual benefit within the meaning of Code Section 415(b)(2). In
determining the amount of a Member's current accrued benefit, the following shall be
disregarded: (i) any change in the terms and conditions of the Plan after May 5, 1986; and
(ii)any cost of living adjustments occurring after May 5, 1986.
8.3 Combined Limitations. If any Member is a participant under a Defined Contribution
Plan maintained by the City,the sum of the Defined Benefit Plan Fraction for a Plan Year ,
and the Defined Contribution Plan Fraction for that year will be no greater than one (1.0). '
If necessary to satisfy the limitation set forth in the preceding sentence,the annual pension
payable under this Plan will be reduced. The terms "Defined Benefit Plan," "Defined Benefit
Plan Fraction," "Defined Contribution Plan," and "Defined Contribution Plan Fraction" will
have the meanings given them under Code Sections 415(e)and 415(k)and any regulations
promulgated thereunder,the provisions of which are incorporated herein by reference.
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t Article IX
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F. 13TH CHECK PROGRAM
Y` 9,1 Reserve, The Board of Trustees will establish a reserve, (the ".131h Check
Reserve"),to be funded as provided in Section 9.2, for distribution pursuant to Section 9.3.
The Board shall utilize this reserve fund to provide a mechanism to accumulate money for
a future enhanced benefit in the form of a cost of living allowance and may utilize the fund
to provide some short term relief from inflation to retirees by means of a 13th check.
9.2 Fundina. The Board will credit the 13th Check Reserve with the following
amounts:
(a) One half of the excess, if any, of the rate of return on the actuarial value of Fund
g assets (excluding any unrealized appreciation) over 7.5%, multiplied by the actuarial
present value of benefits being paid to Members and Beneficiaries,both as reported in the
Plan's annual actuarial valuation,where the rate of return is determined by dividing the
Fund's interest earnings for the Plan Year by an amount equal to one half of the following
. sum: the Fund's value as of the first day of the Plan Year, plus the Fund's value as of the
last day of the Plan Year, less the Fund's interest earnings for the Plan Year; and
,wk
(b) All Member contributions to the 13th Check Reserve.
9.3 Distribution. As soon as administratively practicable after the close of each Plan
k : Year,and subject to the provisions of Article XN,the Board may distribute any balance in
' the 13th Check Reserve which is in excess of that required to maintain the actuarial
r Tj.
soundness of the Plan(the"Distributable Amount )to those persons then receiving benefits
} under the Plan(" eci_nients_"). The Distributable Amount will be distributed to Recipients
ASt in single lump sums and in the amounts determined under the following formula:
=; Distributable Amount x_(R--MB divided bk100).+YR ,
(TMB divided by 100)+TYR
pp},� TMB re resents the
E where RMB represents a Recipient's monthly benefit under the Plan; p
u {
total of all Recipients monthly benefits; YR represents the number of full or partial years
from the date of the recipient's benefit commencement(or in case of a Retiree Death Benefit;
from the date on which the preceding Retirement, Termination, or Disability Benefit
commenced); and TYR represents the total of all such years for all Recipients.
13
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Y Article X
FUNDING
10.1 g contributions.
s
(a) embers.
As a condition of employment by the City, each
font_butiar�bx M
Member will be required to contribute to the 13th Check Reserve an amount equal to one
percent (1%) of the Member's Compensation, effective with the pay period beginning
September 3, 1990.
(b) CgnW • ut,� ig by City. The City, pursuant to the provisions e�se be de Section
414(h)(2), will "pick up and pay the contributions that would payable
Members as prescribed herein. The contributions so picked up will be treated as employer
contributions for purposes of determining the amounts of federal and state income taxes
to withhold from the Member's Compensation.
:a
'F (c) De gion from Compensation. Member contributions picked up by the City will
be paid from the same source of funds used for the payment of Compensation to a
Member. A deduction will be made from each Member's Compensation equal to the
amount of the Member's contributions picked up by the City,provided that such deduction
' will not reduce the Member's Compensation for purposes of computing benefits under this
f,
Plan. The deductions provided for herein will be made even though the minimum
compensation payable to each Member as provided by ordinance will be reduced thereby,
and each Member will be deemed to consent to the deductions so made and provided for
herein. Payment of a Member's salary or compensation less such deduction will be a full
and complete discharge of all claims and demands whatsoever for services rendered by
r's1 such Member during the period covered by such payment, except as to benefits provided
under this Plan.
(d) With IMM-01 by Members. Any Member not eligible to receive any benefit under
the Plan may, upon his termination of employment with the City, withdraw all or any
portion of his Accumulated Contributions. Except as provided in Article III,however, a
Member who withdraws any portion of his Accumulated Contributions will forfeit all
Membership Service earned prior to that withdrawal. Accumulated Contributions will be
distributed as soon as administratively practicable after a Member's proper written request
therefor.
10.2 of Fund. In addition to the contributions made pursuant to Section
10.1,the Firefighters Retirement Fund will consist of the following:
f�c_ c!rants.etc. All money that may be given to the Board or the Fund by any
(a) cu
person for the uses and purposes for which the Fund is created. The Board may,take by
14
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.,-!, f. t !: ., f, r� �gr 1 Yhr Y A Y, c {r "a� e� 1 ., " ti kt ty . •.
..t,lck,d�, K ,�i �y� rA�k�'�ax#..r°'.h'+ 7 5 P �M`�'�'.'gA,,,,z,.1 y,t ff 7r�.'t�"�, >t''+Y k'A.�.+ k}�•-�*f'�+5,?i`'+'M+` �
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gift, grant,devise or bequest any money,personal property,real estate or interest therein,
or any right of property; and any such gift, grant, devise or bequest may be absolute, in
fee simple,or upon condition that only the rents,income or profits arising therefrom will
be applied to the purposes for which the Fund is established.
'ry (b) Fags,Rewards.Etc, Paid to Fie Department. All rewards in money, fees, gifts
and endowments that may be paid or given for or on account of extmordinarr services by
the Fire Department or any Member thereof,except when permitted by order of the Board
r` to be retained by said Member.
'G (c) Receipts&om Pronedy Tax. The proceeds of up to one mill levied on each dollar
of the value of all taxable property annually assessed in the City, as such assessment
F. appears on the tax duplicate. Such sum will be set aside and made a part of the Fund, and
5
s will not be used for or devoted to any purpose other than herein specified.
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4 �%
(d) QiJy Contributions. Contributions made by the City in amounts necessary to
maintain the actuarial soundness of the Plan.
' 10.3 Suspension or Red c 'on of Propg_1y Im. If the Board determines that the Fund is
adequately funded to satisfy all claims for benefits and all anticipated claims for benefits for
any given Plan Year,the City Council,within its discretion,will have the right and power
',a r to suspend or reduce the property tax described in subsection 10.2(c).
Article XA
s; IDIRECT ROLLOVERS
r;
10A.1 Direct Rollovers. This Article applies to distributions made on or after January t _ 1, 1993. Notwithstanding any provision of the Plan to the contrary that would otherwise
k •<
limit a "distributee's" election, a distributee may elect, at the time and in the manner
prescribed by the Plan Administrator, to have any portion of an "eligible rollover
' distribution" paid directly to an "eligible retirement plan" specified by the distributee in a
"direct rollover."
10A.2 Definitions. For purposes of this Article, the following terms shall have the
meaning ascribed to them below:
( (a) An "eligible rollover distribution" is any distribution of all or any portion of the
'} balance to the credit of the distributee, except that an eligible rollover distribution does not
include: any distribution that is one of a series of substantially equal periodic payments(not
less fi equently than annually)made for the life(or life expectancy)of the distributee or the
Joint lives (or joint life expectancies) of the distributee and the distributee's designated
15
=r
It�. ��t,.,i!�+rs � �✓ i �?,� -ti if*.Li.,.""..'., a+A:.na` ' ,:s�r L j �,: a' '''y7J•.�,Y�'y�+,i:y:•
hJ Y iy� {rt°.4
�yy,,lF�r,i i's'S.
£�i,�, "}�,�� + �u�lt',M���i`�a�,•��`• i � i�+�. rj .£c�.�} t {f �
t<+,rt, + 1 :i�r'i,�+, -m ai° t r~ (r} �S,` t✓ i,}:jr Y t S �sl.slit Gr'`thr-3 FYr.,i '
f 3
a
at.'
beneficiary,ary,or for a specified period of ten years or more; any distribution to the extent such
distribution is required under Section 401(a)(9) of the Code; and the portion of any
distribution.that is not includible in gross income(determined without regard to the exclusion
for net unrealized appreciation with respect to employer securities). }
a
(b) An "eeli gible retirement plan" is an individual retirement account described in
Steetion 408(a)of the Code,an individual retirement annuity described in Section 408(b) of 1
the Code, an annuity plan described in Section 403(a) of the Code, or a qualified trust
PF described in Section 401(a) of the Code, that accepts the distributee's eligible rollover
distribution. However,in the case of an eligible rollover distribution to the surviving spouse,
an eligible retirement plan is an individual retirement account or individual retirement
annuity.
(c) A "distribute includes a Firefighter or former Firefighter. In addition, the
it YX
Firefighter's or former Firefighter's surviving spouse and the Firefighter's or*former
Firefighter's spouse or former spouse who is the alternate payee under a qualified domestic
relations order,as defined in Section 414(p)of the Code, are distributees with regard to the
t .., interest of the spouse or former spouse.
, f (d) A"direct rollover"is a payment by the Plan to the eligible retirement plan specified
.. , by the distributee.
.s
a. F ,
Article XI
i
BOARD OF TRUSTEES; TRUST 5;
1n .,
11.1 Board of Trustees. The Firefighters'Retirement Fund will be under the exclusive
�: . management and control of the Board of Trustees, which will transact all its business and
r, hold all its money,securities and other property in the name of"The Board of Trustees of the
Firefighters'Retirement Fund." The Board will consist of the City Administrator of the City
of Jefferson the City Finance Director, the Chief of the Fire Department, three members
t3' '� P
chosen from the citizens at large (appointed for three-year terms by the Mayor, with the
✓x v consent and approval of the City Council), and three members of the Fire Department
elected for three year terms by the members thereof, such elections to be held on the first "
t.: Monday in June of each year). The three citizens at large will be appointed from a list of at
least three individuals per position. The list will be furnished to the Mayor by the Board.
Any person appointed to the Board as a citizen at large will have a background in a field of
endeavor relevant to pension plans and will have no personal pecuniary interest, either
present or potential,in the Fund. The terms of the members appointed by the Mayor and the
+ ' members elected by the Fire Department will be staggered. The members of the Board will
serve without compensation. The compensation of all persons engaged by the Board, and
all other expenses of the Board necessary for the operation of the Plan,will be paid at such
;s ac f a 1}lMf 3' f'i S F. .t r .!r i'. - S•
'f �il�S'b•�7 wtl;i� �,r �1 j. ,r r' a .�' .F.k i i fie' rj' .7'F p'iF h,,�3��Si ���FU�.+SS'�5y 5 7^
t �.a i' �, ,tn tj} `v." } r ;A .i f. } t 'YElt �tt `�'!}..Ci ^4T.��'• '�'"�' �
r,4t ;�, �G%+i�"r th i .tti�y�ttF i�1 J t r d t \1 11 '1 h } .F•L i �rx .tr�,�iLk .>.f.
�tr�4t s.,'-f . a try. � .t` ,� s ,f I_ •� r 4h F .
^F'r � f a 'F-.S .r t) . i �if isi .i). ;.r l .t.' 4P f'�+ L'i 1 ��`fi �•r �'
F a i � , e a t t, 1 •s �f ,`�.•sh� P1 pp �� ���� �} '
!t r }ter x � v S , tt t r . Ny b!� )�r ss•�-n,
t { ai r t r r 4 a} �t l'3
n t t t ri t 7 t i + at + t S + t �2 ' 5
t'�. r,s.rt ..yr ( r !• s r t : d r � 1 '� r a y �! s 11�� ti nrf+
K b CSC tt atr� ett t t d{t t`t}�SlYry j3}di} '7Y �� t ✓,
J
' .rr r y' `• i�•r 51`'J:[ i f+�'y IS 1 h.X , + + i r t y.r t r 4 -t� Ct F li
'�ri"S tt b Mrr Yi�,x::a./�a1(4•S i � +t �r t r iU � i..:r.foi! }e+t{r>5�ty' Syi�L�' y���..i � �f1 yaFn.., }' ''�
r
1! � t r.f q: ''� r s , y,�+1 q,-�•+�.•,�,t.,�Ya..�t'
• `-t�'{ Vh
�ti:� t � ^Sr x4� ,{ �;�p�'� nr.tFrj, :z•: L. ..St i,}.}�i,t ,l Y.�. �1:F^�,. %t':E�^"`°> 7( '� ? ; ;Er g +r .,��..j{ � y tr G'��,�#?Py:; .�j t t
hJ t,� fs �?�r?•-t �+� i.. ,t.r� '` .t!„: sL r��, Syifi`{ s.
,��t. F {�;_z ��(''$,;a: ,,�{'t�:v� � lei, ,.{ .��1�. �. `' ��lyS t�'i�,;.rr`f i ''' 'a, s1.'-.:tl y�.'`��ri♦'�.,: (Y"ll�t3 s�k My rr'�
a ! t� 1' .7 t. 43. A*' .y.•,r r�' .�,lJt qtr.
1�1:53!qiil1111 11 1
1 �"s!�fxv � �t "�ilk L R�.rwro fit. l k v a r , a zap s ytE t f �Q
is
rates and in such amounts as the Board shall approve. The members of the Board will meet AIM
annually to elect one of their number chairman. They may also elect such other officers as
they deem necessary, The Chief of the Fire Department will serve as secretary of the Board.
The Board will make and adopt such bylaws, rules and regulations for its guidance and for
the operation of the Fund as it may deem advisable.
11.2
i . Fund Custodian. The City Finance Director will be custodian (the
QgQft")of all money,securities and other property of the Fund,subject to the control and
direction of the Board. As prescribed by the Board,the Fund Custodian will keep separate
books and complete accounts of the Fund. These will include an individual account for each
Member, reflecting contributions made
pursuant to Section 10.1, together with earnings
thereon(i.e., "Accumulated Contributions"). These books and accounts will at all times be
kk subject to inspection by the Board or by any of its members. The Fund Custodian will be
f,
liable to the Fund on his bond executed to the City as Finance Director of the City of
Jefferson, Missouri, for all his acts concerning mmg the Fund. On the expiration of his term of
office,the Fund Custodian will deliver to his successor all unexpended money, securities,
books, records, and other property which may have come into his possession as Fund
Custodian.
f
11.3 Legal Ad ter. The City Counselor will be legal advisor to the Board.
11.4 Trust, The Board will have the exclusive control ofthe expenditure and investment
of all money collected for and deposited to, or appropriated to the credit of, the Fund, and
of the supervision, care and custody f the
Y Fund. All money received for the Fund will be
ti deposited initially in the City treasury to the credit of the Fund, will be held in trust, will be
'
kept separate and
P P apart from funds of the City, and will be drawn upon by the Fund
Custodian only on proper authorization.
11.5 Powers and Duties of Board, The Board will have the following powers and duties:
'P
(a) Investment of Fund Acc +r, In its discretion,the Board will invest and reinvest
all assets of the Fund, in excess of a safe operating balance, in any investments not
prohibited under the laws of the State of Missouri. No member or employee of the Board
will have any interest in the acquiring or disposing of any investment.
(b) Actuarial Da A• Report. The Board will keep in convenient form such data as
will be necessary for actuarial evaluation of the Fund and for checking the experience of
the Plan. The Board will make an annual actuarial report to the City Council stating the
condition of the Fund, the various sums of money deposited to the Fund, how much
money has been expended from the Fund, and for what purposes--with such statistics,
information and suggestions as the Board may deem of general interest. All portions of
the report relating to the receipt and expenditure of money will be verified by affidavit,
The Board may determine the manner and method of providing benefits, the level of
17
r. ray fi:_ ""a. ,t � i` � t� }�� h.' `'� ' �, ri � �'��•ts £ k 1, .E. ..
.H'. .1:..1 .M Y Y':`K'FYv. 'P•r i ./ i Yid} E
w ,i x� .�.',4, �','•',t hrat�',� �t�'�i��.��1i"r MA•i, r�r 1;.. ..t r. ku-.�s 4�,i;Y'iivta ark.i.�3." a�.r4,±;�C���'�/fici �pvY :,1,
'.°roc .,i �Si`td'+it.. t i 'r'• *^'� ti �.
r
' benefits,and any assessment against the wages of the Firefighters necessary to maintain
' the actuarial soundness of the Plan, by and with the consent of the City Council.
(c) Admi lion a_nd Auveals. The Board will make rules and regulations for the .
governance of its affairs,the administration of the Plan, and the limitation of the time
within which claims may be filed. It will have exclusive jurisdiction of all retirement
claims, benefits or refunds. It will hold hearings and take and preserve the evidence on
all disputed matters. The evidence, record and final finding and decisions of the Board
will be subject to review and reversal only by the Board. The Board will have the
authority and power to interpret and construe the Plan and to decide any and all matters
arising hereunder,including the administrative discretion necessary to determine whether
an individual meets the Plan's written eligibility requirements, and to interpret any other
term contained in this Plan document. The interpretations and determinations of the
Board are binding on all Members,retired Members and Beneficiaries. s r
Article XII
ADMINISTRATIVE PROVISIONS
12.1 Annlication for Benefits Required. An application for Plan benefits or request
for withdrawal of Accumulated Contributions must be filed with the Board of Trustees on
a form provided by the Board for that purpose.
12.2 Assignment and Alienation of Benefits. None of the benefits,payments,proceeds, :
claims or rights of any Member or Beneficiary hereunder will be subject to any claim of any
creditor of the Member or Beneficiary,nor will any Member or Beneficiary have any right
;Y to transfer, assign, encumber or otherwise alienate any of the benefits or proceeds he may
expect to receive, contingently or otherwise,under the Plan.
12.3 Payment to Incompetent Persons. Every person receiving or claiming a benefit
F x under the Plan will be presumed to be mentally competent and of age until the Board receives °
reliable, written notice that such person is a minor or otherwise incompetent. Payments
otherwise due a minor will be paid to any custodial parent of such minor. Payments
otherwise due any other incompetent person will be paid to the guardian,conservator or other.
legal representative of such person. In the event that the Board is unable to locate a parent,
guardian, conservator or other legal representative of an incompetent person who is
otherwise entitled to payment under the Plan, such payment will be made to the'individual
determined by the Board to have assumed financial responsibility for the care of such person.
Before the initial payment is made to an individual designated in this Section 12.3,the minor
or other incompetent person will be notified of the Board's intent to make such payment to
that other individual: Any payment of a benefit in accordance with the provisions of this
Section 13.3 will be a complete discharge of any further liability to make such payment.
18
u p �
•�' -vz y. .t F -.,tR �,. ,. .(� ..,� ' r7 r1 ff }: 1} � E t r 1r.. �� ;! .. M � it � r�A
.:7t .�. A \ 4'1.4 Y}.}�' '.Yi r✓• '�
r,
4
�{ :r r+u;•�kfj if'y�s� ���i'�+f f't"+"t� �13�"'+j«,g''ia�� zi�;nt}r'. '' :,'��Sl"si�t:{'�'FYrZk�k��t S.:L Gh. i;,a�' ,rlpl•�,yak'r^Y'�
.
r:� `)Sir)
f {
12.4 TInclaimed Checks. If the Member or Beneficiary to whom a benefit is to be
' distributed cannot be located, and reasonable efforts have been made to find him, including
the sending of notification by certified or registered mail to his last known address,the Board
may direct the Fund Custodian to distribute the benefits in question to an interest-bearing
savings account established in the name of such Member or Beneficiary.
12.5 False Statements. Any Member who,upon entering the Fire Department,makes any
misstatement or misrepresentation as to physical condition or any understatement of age
shall, for the Member and the Member's spouse and dependents, forfeit all rights to
participate in the benefits of the Plan.
No person shall knowingly or willingly make any false statement, or falsify or permit to
be falsified any record of the Plan, in an attempt to defraud the Plan as a result of such act.
' 12.6 Gender and Number. In the construction of this Plan,the masculine shall include
the feminine and the singular the plural in all cases where such meanings would be
appropriate.
12.7 Headings. The headings of articles, sections and paragraphs are inserted for the
convenience of reference only and are to be ignored in any construction of the provisions
hereof.
i Article XIII
t
AMENDMENT AND TERMINATION
13.1 Intent to Maintain Plan. It is the present intention of the City to maintain this Plan
throughout its corporate existence. Nevertheless,the City reserves the right to discontinue
or terminate the Plan,to temlinate the City's liability to make further contributions to the
Fund, or to suspend such contributions for a fixed or indeterminate period of time, but no
't such action shall reduce any benefits accrued to the date thereof.
13.2 Amendmgnt. To provide for contingencies which may require the clarification,
modification or amendment of the Plan,the City reserves the right to amend the Plan at any
time. The City will not, however, amend the Plan in any way that would deprive any
Member or Beneficiary of the right to receive his accrued benefit under the Plan(determined
as of the first day of the Plan Year for which the amendment is effective), alter the basic
purpose of the Plan,or give the City any rights in the Fund, other than on termination of the
Plan and after all liabilities to Members and Beneficiaries have been met or provided for.
13.3 Plan Merger or Consolidation. In the case of any merger or consolidation with,or
transfer of any assets or liabilities to,any other plan,each Member and Beneficiary under this
19
" F
M
S
t
�r .i,. s(.A,3 <l r i lr � $.•,? a + 6nr!• ++t,:,.»,r:',.. f v. cN'�1 s°N � xF+ .t. la... r r, ,E St;r.,/. i �
•
+
Plan will be entitled to receive (if the surviving plan is then terminated) a benefit
immediately after the merger, consolidation or transfer that is equal to or greater than the
benefit he would have been entitled to receive immediately before the merger,consolidation
or transfer(if this Plan had terminated).
Article MV
RESTATEMENT
14.1 Restatement. The foregoing provisions of the Plan represent a restatement, with
certain modification, of the Plan terms described in the following ordinances:
(a) Ordinance No. 4883 --approved February 20, 1947.
(b) Ordinance No. 5798 --approved April 15, 1954.
(c) Ordinance No. 9441 --approved June 17, 1980.
(d) Ordinance No. 10987--approved February 2, 1988.
(e)_ Ordinance No. 11333 — approved November 8, 1989.
v (f) Ordinance No. 12026--approved February 7, 1994.
(g) Ordinance No. 12117--approved July 6, 1994.
'.r
In the event of conflict between the provisions of this restated Plan and any of the ordinances
set forth above,the restated Plan provisions will control.
14.2 Effective Date. Except as set forth in Section 14.3,the provisions of this restated
Plan will apply only to Members having at least one hour of service as a Firefighter on or
after August 27, 1990, and to the Eligible Spouses and Eligible Children of such Members.
14.3 Fund Consultants. Any Member,, surviving spouse, or Eligible Child who is not
described in Section 14.2,but who otherwise is or becomes entitled to a benefit under the
provisions of the Plan as in effect prior to this restatement,shall be employed by the Board
as a special consultant on the problems of retirement,aging,and other matters of concern to
the Board. Upon request of the Board, such special consultant shall provide his oral or
written opinions on such matters. In return for these services, special consultants will.be
compensated as follows:
20
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Y
FIREFIGHTER'S RETIREMENT PLAN
INDEX
13TH CHECK PROGRAM. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
"{ Distribution. . . . . . . . . . . . . . . 13 "}
.
Funding. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 `
}.0
Reserve. . . . . . . . . . . 13
;kh'a ADMINISTRATIVE PROVISIONS . . . • . . . . • . . . . . . . . . . . . . . . . . . 18
` Application for Benefits Required. . . . . . . . . . . . . . . . . . . . . . . . . . . 18
Assignment and Alienation of Benefits • . . . . • . . . , . . . . . . • . . . . . .
False Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
'
Gender and Number
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
Headings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 r
Payment to Incompetent Persons. . . . . . . . . . . . . 18
Unclaimed Checks . . . . • . . . . . . . • . . . . . . . . . . . . . . . . . . . . 19
AMENDMENT AND TERMINATION . . . . • . . . . . . . . . . . . . . . . . . . 19
w. Amendment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . • 19 "M
Intent to Maintain Plan. 19 '
4= Plan Merger or Consolidation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 t.
BENEFIT LIMITATIONS #
. . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Combined Limitations 4{
' a{ Current Accrued Benefit Not Affected. . . . . . . . . . . . . . . . . . . . . . . . . 12
Section 415 Limitations . . . . . . . . . . . . • . . . . . . . . . . . . . . . . . . . 12 y � `
,rr! BOARD OF TRUSTEES; TRUST . . . . . . . . . . . . . . . . . . . . . . . 16
' Board of Trustees 16
` Fund Custodian . . . . . . . . . . . . . . . . • . . . . . . . . . . . . . . . . 17
'' . 17 ~ '
Legal Advisor . . . . . . . . . . . . . . . . . . . . . • . . . . . . . . • . . . . .
Powers and Duties of Board 17 `
'4 Trust . . . . . . . . . . . . . . . . . • . . . 17
Cessation of Disability Benefits
Refusal of Examination . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Termination of Disability . . . . . • . . . . . . . . . 10
' i Composition of Fund
City Contributions . . . . . . . . . . . . . . . . . . . . . . . . • . . . . . . . . . • 15
Fees, Rewards,Etc. Paid to Fire Department . . . . . . . . . . . . . • . . . . . . . 15
Gifts, grants, etc. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 J
Receipts from Property Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 x
%y DEATH BENEFITS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
A .
.•�� Child's Benefit if no Eligible Spouse . . . . . . . . . . . . . . . . . . . . . . . . . 11
it
DutyDeath Benefit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
JA Nonduty Death Benefit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Retiree Death Benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11,
22
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Credited Service upon Reemployment. . . . . . . . . . . . . . . . . . . . . . . . . 5
Member's Service Record . . • . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
Membership Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . • 4
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'` Termination and Restoration of Membership . . . . . . . . . . . . . . . . . . . . . 4
Termination of Employment; Leave of Absence . . . . . . . . . . . . . . . . . . . 5
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FUNDING. . . . . . . . . . . . . . . . . . . . . . . , . . . . . . . . 14
. . . . . . .
Composition of Fund. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
' Pick-up Contributions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Suspension or Reduction of Property Tax . • 15
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MedicalExamination.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 k
Biennial Examination . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 �
Other Examinations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 r'
Member's Service Record
` Credit for service. '
'`- Determining Credited Service . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . � ":
Prior service . . . . . . . . . "
Prior service certificates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
Verification of service claim. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 }
Membership Requirements -
`q:.:.{> New Members . . . . . . . . . 4 ,'
Present Members. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
x Nonduty Death Benefit
Benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Duration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Eligibility. 10
Nonduty Disability Benefit ;
Benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Duration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
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Deduction from Compensation . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Withdrawalby Members. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Powers and Duties of Board
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Actuarial Data Report . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Administration and Appeals . . . . . . . . . . . . . . . . . . . . . . . , . . . . • . 18
}t Investment of Fund Assets. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Purpose . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 '
RESTATEMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20
EffectiveDate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
Fund Consultants. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
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