New York City Police Pension Fund
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Tier 2 - Retirement Benefits

Survivor Benefits, Tier I
SURVIVOR BENEFITS, TIER I (ARTICLE II) - Tier I Article II - Hired prior to July 1, 1973

You’ve just seen how you can provide an income for your beneficiaries should you die after retirement payments begin. Article II benefits are also paid should you die before retirement, whether death occurs on or off the job. An application must be filed by a qualified person with the Police Pension Fund in order to receive in service death benefits.

  • Death Gamble
  • Accidental Death Benefit

DEATH GAMBLE--DEATH BENEFIT
If you are eligible for Service Retirement at the time of your death, you are accordingly eligible for a death benefit based upon your entitlement to a service retirement allowance. Your designated beneficiary will be eligible to receive a lump sum equal to the reserve for the Service Retirement allowance which would have been payable had you retired on the day before your death or if chosen a monthly retirement allowance.

ACCIDENTAL DEATH BENEFIT
If the Article II Medical Board determines and the New York City Police Pension Fund Board of Trustees approve your death is the result of an accidental injury received in the Line of Duty as an active member of the Police Pension Fund, an accidental death benefit will be paid as follows:

A lump sum equal to your accumulated deductions will be paid to your designated beneficiary(ies)or to your estate if no beneficiary designation is on file with the Police Pension Fund
plus
A lump sum equal to the balance of your ITHP reserve account
plus
A pension equal to 50% of your final compensation:

1. To your surviving spouse, to continue until death; or

2. If you have no surviving spouse, or if your surviving spouse dies before any child of yours attains the age of eighteen (18) years, or is a full-time student before such child attains the age of twenty-three (23) years, then to such child (or children) under such age until every such child (or children) dies or attains such age; or

3. If you have no surviving spouse or child under the age of eighteen (18) years, or under twenty-three (2) years as a student, surviving you, then to your dependent father or mother, to continue for life.

plus
A Special Accidental Death Benefit calculated as follows:
 
An additional pension, which when added to the combined total of 50% of final compensation pension, described above plus any Social Security benefits payable to your surviving spouse at the time of your death, equals 100% of your final year’s salary (final year’s salary is defined as the last twelve (12) months of your earnings).The Special Accidental Death Benefit is increased from time to time by act of the State Legislature. The Special Accidental Death Benefit is not payable to dependent parents.

NOTE: Effective September 1, 2000, any Cost of Living Adjustment (COLA) received on the Department’s 50% pension shall be subtracted from the Special Accidental Death Benefit. The VSF DROP is only paid out to members who retire for service. Members who die while active are not eligible for this benefit.

NAMING BENEFICIARIES
Upon membership in the Police Pension Fund Article II, you designated beneficiary(ies) for the balance of your Annuity Savings Fund (accumulated deductions from compensation) and Death Gamble (cash death benefit) as members have changes in social condition (married, separated, divorced, etc.), this beneficiary designation should be updated. Changing your designated beneficiary with the Police Pension Fund does not change your beneficiary with your line organization and, likewise, changing your beneficiary with your line organization does not change your beneficiary with the Police Pension Fund. If you are unsure about your Police Pension Fund beneficiary information, you may check it in person, or by mail to the New York City Police Pension Fund, 233 Broadway, 19th Floor, New York, New York 10279. Due to confidentiality rules, telephone and e-mail requests to check beneficiaries cannot be accommodated.

If you are changing your beneficiary(ies) with the Police Pension Fund, you should also contact your line organization to change your beneficiary at the address and telephone numbers listed below:

PBA - 40 Fulton Street, Second Floor (212) 349-7560
DEA - 26 Thomas St. (212) 587-1000
SBA - 35 Worth Street, First & Second Fl. (212) 431-6555
SOC - 233 Broadway Street, 18th Floor, Room.1801 (212) 964-7500

If you are changing your beneficiary(ies) with your line organization, remember to change your beneficiary(ies) with the Police Pension Fund. Please take the time to insure that this critical information is kept current.

Also, any change of dependents on your health insurance may be made by mail or in person at the Health Insurance Section, 51 Chambers Street, 3rd Floor, New York, New York 10007-telephone number 646-610-5122. If you are enrolled in Deferred Compensation, please contact them at 212-306-7760 to update your designated beneficiary.

DEATH BENEFITS
Upon the death of a member, active or retired, your beneficiary(ies) should notify the NYPD Operations Unit at 646-610-5580.

The Police Pension Fund will:

  • Mail claim forms and instructions to your beneficiaries
  • Calculate any benefits due