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BENEFITS


UNMODIFIED+PLUS OPTION: GENERAL & SAFETY MEMBERS

UNMODIFIED+PLUS OPTION — Plans A, B, C, D, and g

The “Unmodified+Plus” option provides eligible survivors with a continuing benefit of up to 100 percent of the member’s monthly retirement allowance. Under this option, the member can customize the percentage (between 66 and 100 percent) of his or her monthly allowance the eligible survivor(s) will receive upon the member’s death. The increased survivor allowance is paid through an actuarially equivalent reduction in the member’s allowance; the member’s benefit is reduced by only enough to cover the difference between 66 and 100 percent. No additional burden is placed upon the retirement system.

UNMODIFIED+PLUS OPTION — Plan E

Same as contributory plans, except under this option the member can customize the percentage (between 56 and 100 percent) of his or her monthly allowance the eligible survivor(s) will receive upon the member’s death. The increased survivor allowance is paid through an actuarially equivalent reduction in the member’s allowance; the member’s benefit is reduced by only enough to cover the difference between 56 and 100 percent. No additional burden is placed upon the retirement system.

UNMODIFIED+PLUS OPTION (All Plans) — BENEFICIARIES

  • The terms of the Unmodified+Plus Option dictate that upon your death, the monthly allowance can only be paid to an eligible surviving spouse, child(ren), or domestic partner.*
  • Under this option, you must submit a certified marriage certificate or Certificate of Registered Domestic Partnership, and your spouse or domestic partner's original certified birth certificate.**
  • If your beneficiary dies before you, the reduction to your retirement allowance remains in effect. You cannot name another beneficiary to receive a continuing benefit upon your death.

Use the Retirement Calculator to get an idea of the amount of the monthly retirement allowance you would receive under Unmodified+Plus.

There is a great calculator on My LACERA which displays your personal data on file with LACERA and provides you with a Retirement Benefit Estimate.

To apply for retirement, call LACERA at 800-786-6464, or email welcome@lacera.com, or visit our Member Service Center at 300 N. Lake Avenue, Pasadena.

*Beneficiary Eligibility: Spouses must be married one year prior to the member’s retirement. Domestic Partners must be registered with the California Secretary of State one year prior to the member’s retirement and have a current Certificate of Registered Domestic Partnership. Children must be under 18; eligibility may be extended to age 22 if the eligible child remains a full-time student in an accredited educational institution.

**Certified documents can be obtained from the Registrar Recorder in the county in which the marriage or birth was recorded. Photocopies will not be accepted. In lieu of a birth certificate, passports and naturalization papers will be accepted.

10/9/14

You may download a Beneficiary Form or change your Beneficiary on My LACERA.

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