Retirement

CalPERS Retirement (FY 18/19)
Classic Member Tier 2PEPRA Member Tier 3
Lateral Officers who were hired with a CalPERS (or reciprocal) law enforcement agency prior to 01/01/2013Entry-level Officers and Lateral Officers who were hired with a CalPERS (or reciprocal) law enforcement agency on or after 01/01/2013
3% @ 552.7% @ 57

Required Contributions
Classic Member Tier 2PEPRA Member Tier 3
Total Rate: 26.406%Total Rate: 27.906%
Employer Rate: 14.406% Employer Rate: 15.906%
Employee Rate: 12% Employee Rate: 12%
(9% Employee Rate + 3% Employee Pickup)(11.25% Employee Rate + 0.75% Employee Pickup)

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

*Click here to see the 2019 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

BenefitDetails  
Health Benefits Allowance (HBA)$2,180.00/month
Delta Dental$105.40/month (composite rate)
Vision Services Plan (VSP)Coverage provided through Fremont Police Association

CalPERS Medical HMO and PPO Plans
HMO PlansEmployeeEmployee + 1Employee + Family
Anthem HMO Select$831.44$1,662.88$2,161.74
Anthem HMO Trad.$1111.13$2,222.26$2,888.94
*Blue Shield Access +$970.90$1,941.80$2,524.34
*(Amador, Napa, Nevada, San Joaquin, Santa Cruz, Sutter, and Yuba Counties only)
HealthNet SmartCare$901.55$1,803.10$2,344.03
Kaiser Permanente$768.25$1,536.50$1,997.45
Western Health Adv.$767.01$1,534.02$1,994.23
PPO PlanEmployeeEmployee + 1Employee + Family
PERS Care$1,131.68$2,263.36$2,942.37
PERS Choice$866.27$1,732.54$2,252.30
PERS Select$543.19$1,086.38$1,412.29
PORAC$774.00$1,623.00$2,076.00

Insurance

BenefitPlanDetails
Deferred Compensation457(b)Voluntary Employee Contribution
401(a)N/A
Basic Life Insurance/Accidental Death & Dismemberment (AD&D)Employer PaidBasic Life/AD&D $50,000 coverage
Basic Life Premium Rate $0.087/$1,000.00 of coverage
AD&D Premium Rate $0.026/$1,000.00 of coverage
Dependent $1,500.00 coverage Premium Rate $0.362
Supplemental Life Insurance/Accidental Death & DismembermentEmployee Paid (Voluntary)Premiums vary by volume and type of coverage
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
Long Term Disability (LTD)Employer PaidContribution of $57.16/month
LTD maintained by the Union
Short Term Disability (STD)Employee Paid (Voluntary)Coverage provided through Fremont Police Association

*Refer to Applicable MOU for specific details.

Holiday & Leave

BenefitDetails
Annual General LeaveN/A
Maximum Limit on General Leave3 times annual accrual
Sick Leave300 hours max in sick leave bank
(General leave hours accrued over max leave accrual)
Vacation Leave Plan & Accrual ScheduleAccruals are based on years of service and varying work schedules*
Holidays104 hours paid*
Bereavement Leave40 hour schedule 5 days max
4-10/4-11 schedule 4 days max
Floating Holiday (Non-Accrual)8 hours
Management Leave (Non-Accrual)N/A
Personal Emergency Leave BankN/A
Leave Liquidation ProgramEach fiscal year, leave accrued above the maximum accruable limit is liquidated up to the following hours based on years of service:
1-10 years 40 hours
11+ years 60 hours

Allowance & Other Pay

BenefitDetails 
Signing Bonus$10,000 total ($5,000 at time of hire and $5,000 after successful completion of Probation)
Uniform Allowance$1,750.00/year ($500 for first year)
Educational Incentive PayLevel 1
AA or AS Degree
60 Semester (60 Quarter) Units
Intermediate POST Certificate
2.5% of base pay
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/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:
19 years = 2.5% of base pay
24 years = 2.3% of base pay
Training PayField Training Officer (FTO) 5% of base pay
Acting PayFirst step of the higher class or 5%, whichever is greater
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 overtime
Stand-by Pay$150/week for Investigators
Assignments paid at 1/2 of the regular rate of pay per hour (3 hours minimum pay)
Court PayClassified employees who appear in court on a day off will be paid 4 hours minimum of overtime
Tuition ReimbursementN/A
Management Incentive PayN/A
Anniversary BonusN/A