Preparing for Retirement

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1 Preparing for Retirement

2 Preparing for Retirement Your UC Pension Lump Sum Cashout Retirement payment vs. paycheck Additional UC sources of retirement income Other sources of retirement income To your health I m ready to retire; what do I do now? Now that I m retiring

3 Introduction

4 When can I retire and can I afford to? Age 50 or after 5 years or more service credit If hired on or after July 1, 2013, in general: Age 55 or after 5 years or more service credit

5 Your UC Nest Egg UCRP pension Capital Accumulation Payment (CAP), if applicable Defined Contribution Plan 1990 to 2010 required contributions Tax Deferred 403(b) and 457(b) Deferred Compensation Plans

6 ucfocusonyourfuture.com

7 Other possible income? Social Security Benefits from other employers Part-time work, second career Other assets

8 Your UC Pension

9 Eligibility for retirement benefits UCRP membership Automatic when hired for 50 percent time or more for a year or more Work 1,000 or more hours in a 12-month period (750 hours for academic appointments) Five or more years of UCRP service credit

10 Your UCRP benefits depend on your membership classification 1976 Tier coordinated with Social Security 1976 Tier not coordinated with Social Security 2013 Tier Multi-tier service in more than one tier UCRP benefits are subject to collective bargaining and may be different for members of certain unions.

11 Your UCRP pension is based on: Age Years of UCRP service credit Highest average plan compensation (HAPC)

12 1976 Tier members covered by Social Security: Monthly benefit reduced slightly If retire before 65, receive monthly supplement Supplement stops the month after you turn age 65

13 Age Factor Ranges from: 1.1% for age 50 (minimum retirement age) Up to 2.5% for age 60 (maximum age factor) If hired on or after July 1, 2013, in general: 1.1% for age 55 (minimum retirement age) Up to 2.5% for age 65 (maximum age factor) Higher age factor = higher monthly benefit

14 Service Credit Based on actual time worked in UCRP-eligible position No service credit earned during unpaid leaves Unused sick leave converts to service credit at retirement Unused vacation is paid on your last paycheck

15 Highest average plan compensation (HAPC) Highest average salary over 36 consecutive months Calculated based on full-time equivalent salary ucnet.universityofcalifornia.edu

16

17 Example: With Social Security (age factor for 60) x 20 years (service credit) = 50% Benefit percentage.50 x [5,000 (HAPC) $133 (Social Security offset)] = $2, monthly retirement income + $66.50 Social Security supplement until age 65 = $2,500 Total monthly retirement income

18 Limits on your pension Limit on earnings that can be used to calculate your HAPC: $260,000, if you became member July 1, 1994 or later $385,000 if you became a member before July 1, 1994 No more than 100% of your HAPC Maximum total benefit based on age; for example, at 62 the annual limit is $210,000

19 Retirement Calculator on At Your Service Online

20 Other features of UCRP pension Cost of Living Adjustments Survivor benefits Post-retirement survivor continuance Alternate payment options Death benefit

21 Cost of Living Adjustments Based on changes in Consumer Price Index (CPI) Range from 0% to 6% Payable beginning July 1 after one full year of retirement Paid August 1

22 Income for your survivor & contingent annuitant Post retirement survivor continuance 1976 Tier only Alternate payment option

23 Post retirement survivor continuance If you die, survivor receives: 25% of monthly retirement income if coordinated with Social Security (you pay Social Security tax) 50% of monthly income if you don t pay Social Security tax This provision is not available to 2013 Tier members.

24 Order in which survivor benefit paid: Spouse or domestic partner Children under age 18, or 22 if fulltime students Dependent parents

25 Alternate payment option Gives lifetime monthly income to someone after you die Can be anyone, including person eligible for post-retirement survivor continuance 1976 Tier only Your monthly retirement income is reduced Reduction depends on your age, age of contingent annuitant and option you choose Available to all UCRP members

26 Alternate payment option

27 Alternate payment option

28 Alternate payment option

29 Basic death benefit UCRP one-time payment of $7,500 to beneficiary(ies)

30 Lump Sum Cashout

31 Lump sum cashout May elect instead of lifetime monthly income Based on present value of projected value of lifetime retirement income Available to 1976 Tier members and 2013 Tier members of some collective bargaining units https://atyourserviceonline.ucop.edu/ayso

32 Lump sum cashout Forfeit other benefits: Health benefits UCRP death benefits UCRP survivor benefits Sick leave is not converted to service credit in calculating the Lump sum cashout More restrictive return-to-work rules

33 Lump sum cashout Subject to taxes in year that you take the payout May roll over into another eligible retirement account UC Retirement Savings Plans 403(b), 457(b), DC Other employer plans IRA Decision to take cashout is irrevocable

34 Retirement Payment vs. Paycheck

35 Scenario 1: Staff employee 30-year staff employee Retiring at age 60 and five months Earns $60,000 a year

36 Monthly gross UC salary: $5,000 Deductions, withholdings Federal tax: $366 State tax: $148 Social Security (OASDI): $310 Medicare: $72 Medical plan (Health Net Blue & Gold), for employee and spouse: $210* 403(b) contribution: $500 Employee UCRP contribution: $381 Monthly take-home pay: $3,013 *2015 costs

37 Calculating retirement benefit Age factor: Service credit: 30 years 1,440 hours unused sick leave adds 0.72 years service credit HAPC: $5,000 Basic retirement benefit: $3,737 a month Social Security Supplement: $102 per month Monthly retirement income plus Social Security supplement: $3,839

38 Calculating net retirement benefit Monthly gross UC retirement benefit: $3,839 Deductions Federal tax: $284 State tax: $131 Medical plan (Health Net Blue & Gold), retiree and spouse: $476* Net monthly retirement payment: $2,948 *2015 cost

39 Take-home pay comparison UC monthly paycheck $3,013 UC retirement payment $2,948 + UC Retirement Savings Program + CAP, if applicable + Social Security

40 Higher take-home benefit later At age 65: Loses the $102 Social Security Supplement Signs up for Medicare; pays Part B premium ($105) UC plan medical costs reduced (from $476 to $36) Net gain: $233 per month At age 66: Social Security benefits begin Annual cost of living adjustments begin year after retirement

41

42 Scenario 2: Faculty with Social Security 37-year faculty member Retiring at age 64 Earns $130,000 a year

43 Monthly gross UC salary: $10,833 Deductions, withholding Federal tax: $1,131 State tax: $341 Social Security (OASDI): $672 Medicare: $157 Medical plan (UC Care), employee & spouse: $413* Employee UCRP contribution: $847 Contributions to 403(b) and 457(b): $1,500 Take-home pay: $5,772 *2015 cost

44 Calculating retirement benefit Age factor: Service credit: 37 years HAPC: $10,833 Basic retirement benefit: $9,897 a month Social Security Supplement: $123 a month UC retirement monthly income plus Social Security Supplement: $10,020

45 Calculating retirement benefit with alternate payment option Option B (two-thirds continuance) Spouse as contingent annuitant and eligible survivor Lifetime monthly benefit reduced by $572 Spouse will receive $7,041 a month after she dies Total monthly UC retirement benefit: $9,448

46 Monthly gross UC retirement benefit: $9,448 Deductions: Federal tax: $1,081 State tax: $400 Medical plan (UC Care), retiree and spouse: $606* UC retirement net payment: $7,361 *2015 cost

47 Take-home pay comparison UC monthly paycheck $5,772 UC retirement payment $7,361 + UC Retirement Savings + CAP, if applicable + Social Security

48 More take home dollars later In one more year, at age 65: Loses the $123 Social Security Supplement Signs up for Medicare; pays Part B premium ($147) UC plan medical costs reduced (from $491 to $24*) Net gain: $197 per month At age 66: Begins receiving Social Security benefits Annual cost of living adjustments begin year after retirement. * 2015 cost for Blue Shield Medicare PPO

49 Other UC sources of retirement income

50 Other UC sources of retirement income Capital Accumulation Payment (CAP) Mandatory DC Plan contributions Voluntary contributions to 403(b), 457(b), DC Plans

51 Capital Accumulation Payment (CAP) Special allocations to UC employees between 1992 and 2003 Amounts based on percentage of compensation during select periods

52 Capital Accumulation Payment (CAP) Allocations in 1992 and 1994 earn 8.5% interest allocations currently earn 7.5% interest Must take CAP money when you retire Taxed as income May roll over all or part to eligible retirement account https://atyourserviceonline.ucop.edu/ayso

53 Defined Contribution Plan (DCP) Career employees working between 1990 and 2010 have money in this plan Mandatory contributions of 2% to 4% of monthly salary Part of Retirement Savings Program, administered by Fidelity Retirement Services UC s Fidelity website: ucfocusonyourfuture.com

54 Retirement Savings Program Defined Contribution Plan (DC Plan) 403(b) 457(b)

55 Retirement Savings Program Defined Contribution Plan (DC Plan) 403(b) 457(b) View your balances: ucfocusonyourfuture.com

56 Options for Retirement Savings Program money Leave money in these accounts and manage investments If under $2,000 in any plan, must take when retire Can no longer contribute to plans Transfer money among these funds Roll over eligible funds into these accounts Take all or portion of money when you retire

57 Minimum required distributions In the year you become age 70 ½ or year in which you leave UC, whichever is later, you must take a minimum distribution each year.

58 Taking money from Retirement Savings Program Taxed as income in year received, unless it is after-tax money or rolled over Subject to early distribution penalty if taken before age 59 ½, except 457(b) No penalty if leaving UC during or after year in which you turn 55

59 Other sources of retirement income

60 Social Security Most UC employees eligible for Social Security Social Security benefits can begin at age 62 Benefit higher if you delay taking Social Security Visit ssa.gov to project Social Security income

61 Social Security Some employees hired before 1976 not coordinated with Social Security May still be eligible for Social Security benefits from another source May be subject to Windfall Elimination Provision and Government Pension Offset Visit ssa.gov for more information

62 Other employers benefits CalPERS: Reciprocity CalSTRS: Concurrent retirement ucnet.universityofcalifornia.edu

63 To your health

64 Health and welfare benefits Medical Dental Legal Vision Accidental Death & Dismemberment

65 To be eligible: Member of UCRP 10 or more years of service credit Elect a monthly retirement benefit Enrolled or eligible to be enrolled at retirement Retirement date within 120 days of the date you leave UC employment Elect to continue coverage at the time you retire Continue coverage until the date your retirement income begins

66 Medical and dental what you and UC pay What you pay depends on years of service and when hired by UC. If hired before Jan. 1, 1990 with no break in service of more than 120 days 100% of UC s contribution toward medical and dental

67 If hired between Jan. 1, 1990 and June 30, 2013

68 Changes for employees hired/rehired on or after July 1, 2013 New graduated eligibility formula Eligible to enroll in UC s group insurance plans at age 50 Eligible for UC contributions to medical, dental premiums at age 56 * Subject to collective bargaining for employees represented by a union.

69 How UC s contribution to medical and dental premiums works Numbers are for illustrative purposes only and are not actual premiums or contribution amounts.

70 How UC s contribution to medical and dental premiums works (continued) Numbers are for illustrative purposes only and are not actual premiums or contribution amounts.

71 Medicare Exchange For retirees living outside California All family members in Medicare More choices Individual plans for each family member Maximum $3,000 health reimbursement account (HRA) for each covered member Any unused money rolls over to next year HRA is subject to graduated eligibility

72 Other things to know about retiree health care Your retiree medical and dental plan are usually the same plans you have as an employee Make changes during Open Enrollment If you take a lump sum cashout, you cannot continue UC-sponsored benefits

73 Other things to know about retiree health care If you re enrolled in an HMO and move outside the plan service area, you must enroll in a plan that offers service in new location Your eligible survivors may continue health benefits, depending on your tier and election Health benefits not guaranteed; UC contribution may change or stop

74 Medicare If eligible for premium-free Medicare Part A, you must enroll in Part B or you lose UC coverage Medicare Part B has a premium, which you must pay or risk losing UC insurance Medicare becomes your primary insurance See UC s Medicare Fact Sheet for details

75 Other insurance plans Vision Service Plan may continue but pay entire premium directly to carrier Legal may continue, full premium deducted from retirement benefit Life, AD&D, Homeowners/renters/auto insurance may continue, pay full premium directly to carrier Health FSA ends on last day of last month you contributed Disability ends on last day of work

76 I m ready to retire. What do I do now?

77 Understand your UC options Use Retirement Estimator on At Your Service Online https://atyourserviceonline.ucop.edu/ayso/ Check your CAP balance on At Your Service Online https://atyourserviceonline.ucop.edu/ayso/ View your Retirement Review ucfocusonyourfuture.com Review the Retirement Handbook, on UCnet Attend retirement planning presentations or workshops at your campus

78 Review your finances See your DCP, 403(b) or 457(b) balances ucfocusonyourfuture.com Talk to a Fidelity Planning and Guidance Consultant See your projected Social Security benefit ssa.gov Find out if you qualify for benefits from previous employers Consult with your tax or financial advisor

79 Decide your retirement date Notify your department about three to four months before your intended retirement date Academic appointees: notify your Academic Personnel Director

80 Begin the process Fill out the online Request for Retirement Initiation Packet form: or Contact the UC Retirement Administration Service Center (RASC) at ; select option 8 Request a Retirement Initiation Packet

81 Begin the process A single retirement counselor will work with you Counselor sends you retirement election kit Personal Retirement Profile outlines your options

82 Gather documents Marriage certificate Domestic partner documentation Birth certificate for contingent annuitant Birth certificate for eligible children

83 The election process Review your Personal Retirement Profile to choose benefits options Complete an election worksheet Arrange phone call with your retirement counselor Or complete the process via or U.S. mail Your retirement counselor prepares final forms

84 The election process (continued) Sign, return form with required documents Receive confirmation letter in about 45 days Change or cancel election up to retirement date or 15 days after confirmation letter sent, whichever is later

85 Taking care of other business Office space Files, books and more Parking

86 Now that I m retiring

87 When can I expect my pension payment? Around the first of each month Electronically deposited to your bank Statements on At Your Service Online (AYS Online) Income reported on 1099R form, download from AYS Online https://atyourserviceonline.ucop.edu/ayso/

88 Keep your personal information up to date Use AYS Online to: Change tax withholding Update your address or Change your direct deposit information Make health benefits changes during Open Enrollment Update UCRP beneficiary information Use Fidelity website to update Retirement Savings beneficiaries: ucfocusonyourfuture.com

89 Other retiree privileges Library card Parking Recreation centers Faculty club Discounts

90 Stay connected New Dimensions newsletter UCnet Emeriti and Retiree Associations Retirement Centers Location and contact information available on UCnet: ucnet.universityofcalifornia.edu/retirees UC for CA:

91 Returning to work at UC after retirement You have skills and knowledge that the university cannot obtain with equal cost-effectiveness You must have a break in service of at least 30 days, preferably 90, before returning If under age 60, you must not discuss returning to work until after receiving your first retirement payment or 30 days, whichever is later Your appointment must be limited to 43% time No affect on retiree health benefits

92 Returning to work at UC after retirement Your appointment may not exceed 12 months If re-employment is necessary after 12 months, department must go through approval process again Faculty appointments renewed annually after review You may suspend retirement income to return to a career (UCRP-eligible) position after break in service Return to employee health and welfare benefits Re-retire the day after position ends If taking lump sum cashout, staff may not be rehired into a career position at UC

93 Questions? Retirement Administration Service Center ucal.us/askrasc

94 Thank you

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