Retirement

CalPERS Retirement (FY 19/20)
Classic Member Tier 2PEPRA Member Tier 3
Lateral Officers and Dispatchers who were hired with a CalPERS (or reciprocal) law enforcement agency prior to 01/01/2013Entry-level Officers, Lateral Officers and Dispatchers who were hired with a CalPERS (or reciprocal) law enforcement agency on or after 01/01/2013
Police Officers: 3% @ 55
Police Officers: 2.7% @ 57
Dispatchers: 2% @ 60Dispatchers: 2% @ 62

Final Compensation
Three Highest Years
(Highest average pay rate & qualified special compensation of 36 consecutive months)

Required Contributions
Classic Member Tier 2: Police OfficerPEPRA Member: Police Officer
Total Rate: 26.993%Total Rate: 28.493%
Employer Rate: 14.993% Employer Rate: 16.493%
(9% Employee Rate + 3% Employee Pick-Up)(11.25% Employee Rate + 0.75% Employee Pick-Up)
Classic Member Tier 2: DispatcherPEPRA Member: Dispatcher
Total Rate: 17.258%Total Rate: 16.508%
Employer Rate: 10.258%Employer Rate: 10.258%
Employee Rate: 7%Employee Rate: 6.25%

*Click here to see the 2020 CalPERS PEPRA and Classic Members compensation limit.

 

 

Let us break it down.

CalPERS uses three factors to calculate your retirement benefit.
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CalPERS police retirement benefits

If you had no CalPERS (or reciprocal) membership prior to being hired by FPD, you will become a PEPRA member.

If you are a Lateral Officer who joined another CalPERS (or reciprocal) agency on or after January 1, 2013, you will remain a PEPRA member.

If you joined another CalPERS (or reciprocal) agency before January 1, 2013, you could retire at the age of 55 at 3%.

The City may credit up to 10 years of non-City of Fremont service for the purposes of Longevity Incentive Pay, Leave Accrual, and the Retiree Medical Reimbursement. If you have a minimum of three (continuous full-time) years of sworn Officer service with a non-City of Fremont agency, those years may be applied to the Educational Incentive Pay.

For more information about how CalPERS PEPRA members’ retirement benefits are applied, please click here.

Healthcare

BenefitPolice Officer DetailsDispatcher Details 
Health Benefits Allowance (HBA)$2,350.00/month$2,350.00/month
Delta Dental$108.10/month (composite rate)Coverage provided through TEAMSTERS Association
Vision Services Plan (VSP)Coverage provided through Fremont Police AssociationCoverage provided through TEAMSTERS Association
CalPERS Medical HMO and PPO Plans (Police Officers)
HMO PlansEmployeeEmployee + 1Employee + Family
Anthem HMO Select$925.60$1,851.20$2,406.56
Anthem HMO Trad.$1,307.86$2,615.72$3,042.21
*Blue Shield Access +$1,170.08$2,340.16$3,042.21
*(Amador, Napa, Nevada, San Joaquin, Santa Cruz, Sutter, and Yuba Counties only)
HealthNet SmartCare$1,120.21$2,240.42$2,912.55
Kaiser Permanente$813.64$1,627.28$2,115.46
Western Health Adv.$757.02$1,514.04$1,968.25
PPO PlanEmployeeEmployee + 1Employee + Family
PERS Care$1,294.69$2,589.38$3,366.19
PERS Choice$935.84$1,871.68$2,433.18
PERS Select$566.67$1,133.34$1,473.34
PORAC$799.00$1,725.00$2,199.00
CalPERS Medical HMO and PPO Plans (Dispatchers)
Kaiser Permanente$2,320.78 (composite rate)
Anthem EPO$3,067.35 (composite rate)
Direct Pay PPO$2,381.88 (composite rate)

Insurance

BenefitPlanPolice Officer DetailsDispatcher Details
Deferred Compensation457(b)Voluntary Employee ContributionVoluntary Employee Contribution
401(a)N/AN/A
Basic Life Insurance/Accidental Death & Dismemberment (AD&D)Employer PaidBasic Life/AD&D $50,000 coverage
Basic Life/AD&D $50,000 coverage
Basic Life Premium Rate $0.087/$1,000.00 of coverageBasic Life Premium Rate $0.087/$1,000.00 of coverage
AD&D Premium Rate $0.026/$1,000.00 of coverageAD&D Premium Rate $0.026/$1,000.00 of coverage
Dependent $1,500.00 coverage Premium Rate $0.362Dependent $1,500.00 coverage Premium Rate $0.362
Supplemental Life Insurance/Accidental Death & DismembermentEmployee Paid (Voluntary)Premiums vary by volume and type of coveragePremiums vary by volume and type of coverage
Supplemental Life Insurance
Coverage Options:
$10,000 to $500,000 Employee, Spouse & Family
Supplemental Life Insurance
Coverage Options:
$10,000 to $500,000 Employee, Spouse & Family
Supplemental AD&D Insurance
Coverage Options:
$10,000 to $150,000 Employee, Spouse & Family
Supplemental AD&D Insurance
Coverage Options:
$10,000 to $150,000 Employee, Spouse & Family
Long Term Disability (LTD)Employer PaidContribution of $57.16/monthCalculated at 66.67% of employee's monthly salary to a maximum benefit of $10,000/month
LTD maintained by the UnionPremium Rate $0.551/$100.00 of base salary
Short Term Disability (STD)Employee Paid (Voluntary)Coverage provided through Fremont Police AssociationCalculated at 66.67% of employee's monthly salary to a maximum benefit of $2,500/week
Premium Rate $0.221/$100.00 of base salary

*Refer to Applicable MOU for specific details.

Holiday & Leave

BenefitPolice Officer DetailsDispatcher Details
Annual General LeaveN/A0-5 years = 192 hours
6-10 years = 216 hours
11-15 years = 240 hours
16+ years = 264 hours
Maximum Limit on General Leave3 times annual accrual1.5 times annual accrual
Sick Leave0-24 years = 96 hours/year
25 years = 48 hours/year
300 hours max in sick leave bank
Vacation Leave Plan & Accrual ScheduleAccruals are based on years of service and varying work schedules*N/A
Holidays104 hours paid*12 days paid. Pro-rated for part-time employees.

Employee can set up a holiday bank or bi-weekly payments of holiday hours based on classification.
Bereavement Leave40 hour schedule 5 days max3 work days
4-10/4-11 schedule 4 days max
Floating Holiday (Non-Accrual)8 hours8 hours
Management Leave (Non-Accrual)N/AN/A
Personal Emergency Leave BankN/AEligible for Personal Emergency Leave Bank which is an employee leave donation pool*
Leave Liquidation ProgramEach fiscal year, leave accrued above the maximum accruable limit is liquidated up to the following hours based on years of service:Liquidation amount is based on years of service and 75% of maximum accrued general leave at end of first pay period in May before start of new FY. (Must have at least 15 years of service)

Lump sum payout on the first payday in the following August
1-10 years 40 hours
11+ years 60 hours

*Refer to Applicable MOU for specific details.

Allowance & Other Pay

BenefitPolice Officer DetailsDispatcher Details
Uniform Allowance$1,750.00/year ($500 for first year)$650/fiscal year
Educational Incentive PayLevel 1
AA or AS Degree
60 Semester (60 Quarter) Units
Intermediate POST Certificate
2.5% of base pay
N/A
OR
Level 2
BA or BS Degree
120 Semester (180 Quarter) Units
MA or MS Degree
POST Advanced Certificate
5% of base pay
Longevity 2.5% after 8 years
Specialty Pay
Bilingual Pay$150.00/monthBilingual Pay$150.00/month
Specialist (Eligible classes outlined in MOU)5% of base pay
Administrative Officer10% of base pay
School Resource Officer5% of base pay
Longevity PayHired after 7/1/2015: N/A
19 years = 2.5% of base pay
24 years = 2.3% of base pay
Training PayField Training Officer (FTO) 5% of base payCommunications Training Officer (CTO) 5% of base pay
Acting PayFirst step of the higher class or 5%, whichever is greaterGreater of first step of higher class or 5% for at least 5 days
Greater of bottom salary range or 10% of base pay for acting in management classification for at least 5 days
Specialist (Eligible classes outlined in MOU)5% of base pay
Administrative Officer10% of base pay
School Resource Officer5% of base pay
Call Back Pay3 hours minimum of overtime2 hours of overtime

(Not applicable if called back to work within 2 hours of regular start time or if scheduled to appear or return to training sessions/meetings)
Standby Pay$150/week for Investigators
Assignments paid at 1/2 of the regular rate of pay per hour (3 hours minimum pay)
N/A
Court PayClassified employees who appear in court on a day off will be paid 4 hours minimum of overtimeClassified employees who appear in court on a day off will be paid 4 hours minimum of overtime
Tuition ReimbursementN/A$7,500 per FY (City-funded)
$1,500 max per employee per FY
Management Incentive PayN/AN/A
Anniversary BonusN/A$500.00 bonus at the completion of 14 and 19 years