State of Connecticut Armorial Bearings

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

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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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