New York City Police Pension Fund
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Tier 2 Retirement Benefits

Survivor Benefits, Tier II
SURVIVOR BENEFITS, TIER II (ARTICLE IIA) - Tier II Article IIA - Hired from July 1, 1973 to Present

You've just seen how you can provide an income for your survivors, if you die after retirement payments begin. Tier II (Article IIA) benefits are also paid if 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 benefits are paid through one of the following sources:

  • Death Gamble
  • Ordinary Death Benefit
  • Accidental Death Benefit

DEATH GAMBLE--DEATH BENEFIT
If you are eligible for Service Retirement at the time of your death, you are 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 or a monthly retirement allowance equal to the reserve for the Service Retirement Allowance which would have been payable had you retired on the day before your death.

ORDINARY DEATH BENEFIT--TIER II(ARTICLE IIA)

The ordinary death benefit will be paid only if:
you were in service for ninety (90) days or more
and
you are a salaried member at the time of your death
or
you were off the payroll or were on leave at the time of your death
and
(1) you were paid within the last 12 months before death
and
(2) you were not gainfully employed since last paid
and
(3) you were credited with at least (1) one year of continuous service since you last entered service

The amount of the death benefit is equal to (3) three times the member's salary, raised to the next higher multiple of $1,000 plus the member's accumulated deductions.

ACCIDENTAL DEATH BENEFIT-- TIER II (ARTICLE IIA)

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 a 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 or to your estate if no 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 will be paid
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 18 years, or if a full-time student, before such child attains the age of 23 years, then to such child or children under such age, until every such child dies or attains such age
or
3. if you have no surviving spouse or child under the age of 18 years, or 23 years as a full-time 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 50% of final compensation pension described above, and 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 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 to members who retire for service. Members who die while on active duty are not eligible for this benefit.

DEATH BENEFITS
Upon the death of a member, active or retired, your beneficiary(ies) should notify the Police Pension Fund. The Police Pension Fund will:

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

DEATH BENEFITS FOR VESTED MEMEBERS
If a vested member with ten or more years of credited service dies before a retirement benefit is payable, they are treated a though they had died on the last day in service. Their designated beneficiary will be eligible to receive one half of the ordinary death benefit {three (3) years salary} payable had they died on the last day of service, plus the accumulated deductions in their annuity savings fund.

NAMING BENEFICIARIES
Upon membership in the Tier II (Article IIA) Police Pension Fund, you designate a 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(ies) information, you may check it in person, or by mail with the Police Pension Fund, 233 Broadway, New York, N.Y.10279. Due to confidentiality, telephone requests to check beneficiaries cannot be accommodated.

If you are changing your beneficiary(ies) with the Police Pension Fund, you must 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 Street (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 you also must change your beneficiary(ies) with Police Pension Fund. Please take the time to ensure that this critical information is kept current.
Also, any change of dependents on your health insurance may be made by mail or in person to the Health insurance Section at 51 Chambers Street, 3rd floor. Their telephone number is (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.