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Service Pension Options

Metro employees have the option to elect a survivor benefit that would provide a pension payment on your behalf to the individual of your choosing.  Electing a survivor benefit will reduce the amount of pension that you draw during your lifetime, and the election is permanent - neither the option nor the surviving beneficiary can be changed once the Benefit Board has approved your payment option.  

Normal Form Benefit

This option provides you with the greatest monthly Metro benefit you are entitled to receive at the time of your retirement; however, there is no survivor option.  Under this option, a surviving beneficiary will not receive any pension benefits or be entitled to participate in any other benefits, such as Medical or Dental insurance coverage. 

Option A:  Joint & Survivor (100% to Surviving Beneficiary)

Your surviving beneficiary will receive, for their lifetime, the same monthly pension amount that was paid to you as a Metro retiree.   

Option B:  Joint & Survivor (50% to Surviving Beneficiary)

Your surviving beneficiary will receive, for their lifetime, half of the monthly pension amount paid to you as a Metro retiree. 

Option C:  Social Security Level Income

This option is based on your Social Security benefit amount as determined by the Social Security Administration.  Option C allows for a monthly benefit higher than the Normal Form to be paid to you until you have reached between ages 62 and 65, at which point a reduced benefit will be paid to you monthly for your lifetime.  This method allows you to have a more level retirement income when you begin your Social Security benefits; however, this option does not provide a survivor benefit. 

Option D:  120 Payments Certain & Life

This option pays a benefit to you for your lifetime; however, if you die, your surviving beneficiary will receive the same amount only if you die before 120 months (10 years) of pension payments have been made.  Your survivor would then receive a monthly pension only for what remained of the first 120 months of pension payments.  If you die after Metro has paid you a pension for ten years (120 months), your beneficiary will not receive a pension. 

Option E:  Joint & Survivor (100% to Surviving Beneficiary with Pop-Up)

Under this option, your surviving beneficiary will receive, for their lifetime, the same monthly pension amount that was paid to you as a Metro retiree.  However, should your surviving beneficiary predecease you, your benefit would "pop-up" to the Normal Form option outlined above. 

Option F:  Joint & Survivor (50% to Surviving Beneficiary with Pop-Up)

Your surviving beneficiary would draw half of the monthly pension amount that was paid to you as a Metro retiree.  However, should your surviving beneficiary predecease you, your benefit would "pop-up" to the Normal Form option outlined above.