CONNECTICUT STATE EMPLOYEES RETIREMENT SYSTEM TIER III SUMMARY PLAN DESCRIPTION (SPD)

Please note: this summary has not been updated to reflect SEBAC 2011 changes

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YOUR RETIREMENT

Connecticut State Employees Retirement Commission
Medical Examining Board for Disability Retirement
 

YOUR PLAN MEMBERSHIP

New Employees
Rehired Employees

Teachers And Professional Staff

Judges

 

CONTRIBUTIONS TO THE PLAN

By You

By The State

Your Beneficiary

 

SERVICE AND BENEFIT INFORMATION

Actual State Service
Vesting Service
Credited Service
Breaks In Service And Permanent Breaks In Service Rules
Reference Chart for Actual State, Vesting And Credited Service
Detailed Information On Purchase Opportunities
Part-Time Service
Benefit Calculation Factors
Average Salary
Breakpoint
Minimum Guarantee
IRC 415(b) Defined Benefit Limitations

 

TYPES OF RETIREMENT

Normal Retirement

Early Retirement

Hazardous Duty Retirement

Disability Retirement

 

NORMAL RETIREMENT

Eligibility Requirements

The Benefit Formula

 

EARLY RETIREMENT

How Your Benefit Is Figured
An Example
 

HAZARDOUS DUTY RETIREMENT

Definition Of Hazardous Duty
How Your Benefit Is Figured
If You Leave State Service Before Meeting The Eligibility Requirements For A Hazardous Duty Benefit
 

DISABILITY RETIREMENT

Types Of Disability
Disability Standard
Disability Retirement Application Process
How Your Disability Benefit is Calculated
If You Recover
Special Note

 

BENEFIT PAYMENT OPTIONS

Benefit Options
Important Information To Consider When Making Your Option Election

 

SURVIVOR BENEFITS

Before You Retire
Spousal Benefits Before You Retire
Spousal Benefits If You Leave With 25 years Of vesting Service
If A Spousal Benefit Is Not Applicable
After You Apply For Retirement - But Before Benefits Begin - The 90 Day Protection Window
After Retirement Benefits Have Started
Job Related Death

 

IF YOU LEAVE BEFORE RETIREMENT

Vested Rights
How Your Benefit Is Figured
Withdrawal Of Contributions

 

REEMPLOYMENT AFTER RETIREMENT

Reemployment In A Temporary Position

Reemployment In A Permanent Position

 

COST OF LIVING ADJUSTMENT

 

WHEN YOU ARE READY TO RETIRE

The Application Process

Counseling Services

 

OTHER INFORMATION

Assignment Of Benefits
Divorce - Plan Approved Domestic Relations Order (PADRO)
Reporting And Disclosure

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