Active Employees

Mandatory COVID-19 Vaccine

LACERS has recently received inquiries regarding the proposed COVID-19 vaccination mandate and it’s possible effects on retirement benefits should a member refuse to be vaccinated. Please note, there have been no changes to the administration of retirement benefits. Please follow up with your Personnel Section for more information regarding any further information regarding the vaccination mandate.

If the City of Los Angeles makes COVID-19 vaccines mandatory, how would this affect my retirement benefit?

LACERS will continue to administer retirement benefits as prescribed in the Los Angeles Administration Code. There have been no changes to retirement benefits due to discussions about mandatory reporting of COVID vaccination and/or the possible vaccination mandate.

If I am vested and the City elects to make COVID-19 vaccines mandatory, and I elect not to take the vaccine, would I lose my retirement plan?

No. LACERS has not received any information to indicate that COVID vaccines would affect retirement plans. If you have questions regarding mandatory COVID-19 vaccines or testing please contact your department’s Personnel Section.

If the City makes COVID-19 vaccines mandatory and I choose to retire instead will LACERS waive the early retirement factor or minimum filing period?

No. LACERS has not received any information to indicate that early retirement factors or minimum filing periods will be waived.

What happens to my retirement benefit if I decide to leave the City?

If you are not currently eligible for a Service Retirement, but are thinking of terminating City Service, you may still be eligible for certain benefits from LACERS. Your eligibility for these benefits will depend on the amount of Continuous Service you have when you leave City Service. 

For information on leaving City Service prior to retiring, please visit the following link: Separating City Service.

How do I know if I am eligible for a Service Retirement or not?

Find out your membership, tier status, and retirement eligibility by reviewing this section on Eligibility.

If I choose to retire and I am not vaccinated for COVID-19 can I still be part of a LACERS Health Plan?

Yes, COVID-19 vaccination status has no affect on whether or not you can participate in a LACERS Health Plan as a retiree. For information on current LACERS health plans, please review the Health Benefits Guide.

The Layoff Process and Retirement Benefits

Concerned about potentially being laid-off? Depending on your years of City Service and Tier Membership, there are different options available regarding your retirement benefits.

Note: Please contact LACERS immediately if you receive a layoff notice to review your options.

1. What happens to my retirement contributions when I am no longer employed by the City?

LESS THAN FIVE YEARS OF CONTINUOUS CITY SERVICE

If you are full-time and have less than five years of Continuous City Service, you may:

• Leave your contributions on deposit with LACERS;
• Take a refund of your contributions plus accrued interest; or
• If you take a refund of your contributions, LACERS is required to withhold taxes and you may also be subject to additional tax penalties.
• Roll your funds over to another qualified retirement plan.

If you withdraw or roll over your contributions, and also participate in the LACERS Larger Annuity Program, you will also be required to withdraw or roll over those funds.

MORE THAN FIVE YEARS OF CONTINUOUS CITY SERVICE, PART TIME AND RECIPROCAL MEMBERS

If you are full-time and have more than five years of Continuous City Service, were a part-time contributing member of LACERS, or have vested status through Reciprocity, you may:

• Apply for retirement, if you are eligible (See Eligibility under Understanding Your Retirement at LACERS.org) ;
• Leave your contributions on deposit with LACERS until you are eligible for a Deferred- Service Retirement;
• Take a refund of your contributions plus accrued interest; or
• Roll your funds over to another qualified retirement plan.

If you withdraw your contributions and also participate in the LACERS Larger Annuity Program, you will also be required to withdraw or roll over those funds.

2. How long may I leave my funds on deposit with LACERS?

Your funds can remain on deposit with LACERS until you reach age 72, at which time the Internal Revenue Code requires you begin withdrawing funds from your account (required minimum distribution) or incur tax penalties.

3. If I am a full-time employee, and have less than five years of Continuous City Service, is there anything I can do to meet the five-year Continuous City Service requirement to qualify for a retirement benefit?

If you worked for another California governmental agency, you may qualify for reciprocity which may allow you to use your combined years of service from both agencies toward vesting and/or becoming eligible for a retirement allowance. If you have received a layoff notice, but your actual termination date has not passed, you may be able to purchase City Service to help you reach the five years of Continuous Service requirement. (See LACERS.org for information on Reciprocity rules and Service Buybacks)

4. Can I continue to pay for, and participate in, the Family Death Benefit Plan (FDBP) after I separate from City service?

No, you must be an active City employee to participate in the FDBP. However, should you return to City service in the future, you may resume your participation in the FDBP.

5. If I’m officially notified that I will be laid-off, but not yet terminated, can I still retire?

If you are eligible for a service retirement, you may be able to apply after you receive your layoff notice, but before the actual termination date.

Please refer to eligibility requirements based upon your Tier Membership located here.  

6. When I’m officially terminated, can I still retire?

If you are off the active payroll and you are eligible to retire, you may immediately apply for a Deferred-Service Retirement.

Please refer to eligibility requirements based upon your Tier Membership located here.  

7. I think I may qualify for a disability retirement benefit, what are the eligibility requirements?

If you became physically or mentally disabled while an active LACERS member and believe you may qualify for a disability retirement, please contact us so we can review your options.

8. Will purchasing service credit change my layoff status?

No. Purchasing service credit will only enhance your retirement benefits or help you to meet eligibility requirements for a retirement.  

9. If I withdraw my retirement contributions, plus interest, will I be eligible for any type of retirement benefit from LACERS?

No. Once you withdraw your retirement contributions, you forfeit your rights to any previously earned or potential future retirement benefits. However, if you later return to City service, you may be allowed to redeposit your contributions, plus interest, and may be able to qualify for a benefit later.

10. What other resources are available to me during this time?

Please visit the City of Los Angeles’ Personnel website at https://per.lacity.org/ to access a variety of resources and more information about the layoff process.

City Separation Incentive Program (CSIP)

Who do I contact if I have questions about my CSIP retirement application?

Please email LACERS.CSIP@LACERS.ORG. 

What is the email address that will be sending our electronic notifications?

Emails during this CSIP process will be sent to you via LACERS.CSIP@LACERS and Hightail.com.

I used my work email address on my application. Do I need to change it to my personal email?

Yes. Please send an email to LACERS.CSIP@LACERS.ORG and provide your personal email address. You will also need to fill out a Change of Email Address Form.

Will information be sent to both my City email and personal email?

Information regarding CSIP will be sent to the email you have provided. If you need to change your email address or want to verify that we have the correct email address, please email LACERS.CSIP@LACERS.org.

Can I change my MyLACERS account to my personal email address on my own?

Yes. The option to change your email address in your MyLACERS account is in the profile section. LACERS recommends you have a personal email address on file so that you can access MyLACERS once you retire.

How long will it take to hear from LACERS regarding a retirement effective date? How will the retirement dates be chosen?

Approved CSIP participants will be scheduled for retirement based on the number of applications LACERS is required to process and when the participant meets the criteria for normal retirement eligibility. All applicants received notification of their retirement effective date on October 31. 

Will I be able to complete this process on an iPad or iPhone as I do not have a computer?

Yes. You may also want to ask your Department for any assistance they may provide.

How soon can I expect communication from LACERS regarding the CSIP retirement process?

You will receive two communications by the end of October 2020, confirming your CSIP application and your retirement effective date.  You will then receive your retirement packet electronically via the email you provided four (4) to six (6) weeks before your retirement date unless you specifically requested that LACERS mail it to you.

Will all 1,300 CSIP participants be notified on 10/31/2020 of their retirement effective date or just those who are retiring in November and December?

Yes. All members will be notified by 10/31/2020 via email (if we have your email on file) and by USPS mail.

When will the last batch for CSIP members retire? 

Retirements are expected to go until approximately May 2021.

How is the $80,000 going to be distributed?

LACERS is not involved in the CSIP compensation process.  Please contact the CAO for assistance.

If I use sick time at 75%, does that affect my retirement compensation rate?

No, it does not have an effect on your compensation rate.

I am at home and am almost out of sick and vacation time.  Can I get an earlier retirement date for medical reasons?

Please contact the City Administrative Office as they determine the priority in which employees retire under the CSIP.

If they are going to retire us in May 2021, will we get 96 hours sick leave at the beginning of 2021?

Sick time is paid by the Controller’s office please contact them.

If my retirement date is scheduled for next year, will pay raises be considered for my payout and retirement allowance?

Yes. Your highest consecutive 12 months of salary will determine your retirement allowance. Please check with your Department regarding any payouts for which you may be eligible.

How is my retirement allowance taxed?

Your retirement allowance is subject to both Federal and State taxes. Please consult a tax professional for additional information.

When will I receive my first retirement check?

You should receive your first retirement check at the end of the month following the month of your retirement provided you returned your complete retirement packet on time. You can check the payment schedule here. 

Is my LACERS monthly retirement allowance deposited into the same account that I have now?

Your active employee direct deposit authorization does not carry over to LACERS. You will need to complete a new Direct Deposit Authorization form when you retire.

When do I get my first LACERS’ COLA?

COLA adjustments are applied in July of each year and are reflected on the benefit payment for that month. COLAs will be pro-rated for anyone who was not retired for the entire year prior to the COLA being applied. For more information on the COLA, click here. 

Will my new sick time accrual, vacation and/or overtime be paid upon retirement or later?

Any sick, vacation or overtime accrual is paid by your employing department. Please contact your employing department for information on these payouts.

I recently withdrew my application in order to apply for CSIP. Can I still use my previously submitted paperwork?

No, you will need to submit a CSIP retirement package.

Can I change my mind about participating in the CSIP after I am approved for the program?

LACERS will receive the roster of approved CSIP participants after the close of the rescission period. Everyone on the approved roster will be locked in and required to retire on the date determined by LACERS.

Will I receive my retirement package in US Postal Mail?

You will receive your packet electronically unless you arrange for a packet to be mailed to you approximately four (4) to six (6) weeks before your assigned retirement effective date.

Who can I contact if I have general retirement questions?

You can contact LACERS Member Service Center at (800) 779-8328 or send your question via email to Lacers.Services@Lacers.org.

How will my retirement application be processed? Will I receive individual counseling?

Due to the expected large volume of applications, individual counseling will not be possible. A Retirement Package, including the CSIP retirement application, an estimate letter with monthly retirement allowance options, the list of required documents, and all ancillary retirement paperwork will be sent via email or US mail to the CSIP participant. The retirement package will also include a link to a video on how to complete the retirement documents and an invitation to an optional question and answer webinar. 

Will there be a one-on-one session with LACERS’ staff to answer questions?

There will be a group Zoom Q and A Session made available to you where you can ask questions related to your retirement packet. You must first view the YouTube video on completing your retirement forms, then register for the Zoom Q & A session where you will receive the access link.

Do I have an assigned Counselor to follow up with once I submit my retirement application packet to LACERS?

Yes. Once your retirement application packet is received a counselor will be assigned to your case.

I already received my CSIP packet and I have questions about completing it. Where can I find more information?

Please visit our YouTube channel and watch the video listed in your retirement packet.  Additionally, a Zoom Counseling Q and A session will also be scheduled where you can ask additional questions approximately in (X) weeks after you have received your packet.

Will my retirement counselor inform me of any missing documents?

Yes. If there is anything missing or incomplete, your counselor will contact you.

How long will I be given to complete the retirement application packet?

You will have two (2) to three (3) weeks to complete your retirement application packet.

If I turn in my packet late and my payroll set-up is delayed, will I receive compensation from my retirement effective date?

Yes. Failing to return your packet in the time prescribed only delays when you will receive your first retirement check. You will still be retired on the date you were assigned. Your first check will be inclusive of any allowance due to you based on your retirement effective date.

I submitted documents to LACERS before and LACERS acknowledged receipts of those documents. Do I need to resubmit?

Yes. Please resubmit all required documents with your retirement packet.

Where do you get the LACERS Special Durable Power of Attorney form?

Please access the LACERS Special Durable Power of Attorney form.

Am I responsible for informing my Department that my CSIP application was approved?

The CAO informed all department of approved CSIP participants. LACERS will inform your employing Department of your assigned retirement effective date.. You do not need to notify them yourself. All Departments will be notified by October 31, 2020.

Can I still purchase Service Credit to increase my retirement allowance?

All CSIP applicants with identified service credit to purchase should submit a buyback application as soon as possible after receiving notification they have service time eligible for purchase. However, be advised, there is no guarantee the service credit purchase request will be processed prior to your CSIP retirement date. Only service credit purchases for City time will be considered for processing due to non-City service credit purchases requiring 8-10 months to complete.

When do I have to pay off my service credit purchase to have it count toward my retirement allowance?

The purchase must be made prior to your CSIP retirement date and must be paid via lump sum payment or a rollover from an eligible retirement plan.

If you choose to do a rollover, you are responsible for ensuring the timely transfer of funds to LACERS prior to your CSIP retirement date.

I have reciprocity with another governmental agency.  Will that reciprocal time be used for CSIP eligibility?

Reciprocal time will be used to meet CSIP eligibility requirements, however, only City Service will used in the calculation of the CSIP payment.

I have questions about my Buyback, who do I contact?

Please call LACERS at (800) 779-8328 and ask to speak to a Buyback Counselor.

Can I expedite my service purchase buyback?

You can expedite your service buyback by thoroughly reading the information sheets, providing complete and thorough answers on the forms, responding immediately to questions, and consolidating your questions (preferably by email) to minimize the number of communications back and forth to your buyback counselors. We will have a record number of service purchase applications due to CSIP and we will do our best to complete the service purchases, but we cannot guarantee that the service purchase request will be processed prior to your CSIP retirement date.

I have questions about my Health Plan in Retirement, where can I find out more information?

Please visit our YouTube channel and view the Health Videos.   If you have additional questions they will be answered in the Health Zoom Meeting you will have approximately one month before your retirement date.  After your retirement application has been processed, a health benefits counselor will contact you and assist you with your questions.

When will I need to enroll in Health Benefits for retirement?

You will enroll in Health Coverage during the CSIP Retirement Process. Your retiree health coverage becomes effective the first day of the month following your retirement effective date.  If you are on the list to retire in 2021 then you will want to select your LA Well benefits so that you are covered until then.

When and how do I enroll in the retiree medical and/or dental (health) plans?

Your LACERS health plan coverage is separate from your Active Employee benefits coverage and you will need to transition to LACERS’ medical and/or dental coverage during the retirement process. Once your retirement paperwork has been approved, LACERS will send you health-specific enrollment material via email or US mail, a link to a video on how to complete your health enrollment documents, and an invitation to an optional health-enrollment question and answer webinar. In the meantime, information regarding retiree health benefits, subsidies, and premiums are found in our 2020 Health Benefits Guide found online at lacers.org, under Retirees/Health Benefits. Note that LACERS’ health plan premiums, plan design, and subsidies are subject to change each year, and the updated Health Benefits Guide is usually available on our website in early October. Retirees must enroll in LACERS’ plans within 60 days of their retirement date. Other health questions may be referred to lacers.health@lacers.org

Will CSIP affect my medical or dental benefits in any way?

CSIP does not impact retiree medical or dental benefits in any way.  Enrollment, eligibility, subsidies, and plan options remain the same.

How much will the retiree medical and dental plans cost, who can enroll, and what are my subsidies?

Medical and dental plan premiums (costs) are based on the plan(s) you choose and the number of people you enroll. Eligible dependents (spouse/domestic partner, children under 26, etc.) may be enrolled in retiree plans.  In order to receive a subsidy, you must be age 55 with 10 years of Service. The subsidies you receive are based on Medicare status and years of City Service/Service Credit.  Retirees with 25 or more years of Service Credit are eligible for the maximum subsidies, but depending on your plan choices and who you enroll, the subsidies may not cover the costs and the difference will be deducted from your retirement allowance. Details regarding plan costs, subsidies, benefits, dependents, and charges for medical/dental coverage are available in the 2020 Health Benefits Guide and at lacers.org under Forms and Information Sheets, under Information Sheets, Your LACERS Health Plan Subsidy.

I have questions about Medicare where can I find out more information?

Please visit our YouTube channel and view the Medicare Videos.  If you have additional questions they will be answered in the Health Zoom Meeting you will have approximately one month before your retirement date.  After your retirement application has been processed, a health benefits counselor will contact you and assist you with your questions.

I’m 65 years old, do I need to enroll in Medicare in order to be eligible for a LACERS medical plan?

CSIP participants and/or their dependents enrolling in a medical plan who are 65 and over, or will be turning 65 during the retirement process, should enroll in Medicare three months before their retirement date once identified, or as soon as possible if their retirement date is already within three months. Enrollment in Medicare Part B (doctor visits) is required. Enrollment in Medicare Part A (hospitalization) is required only if it is at no cost to the Member/dependent (based on number of quarters that FICA taxes have been paid). Medicare Part D (prescriptions) is already incorporated into LACERS’ Medicare plans, so do not enroll in it separately. Medicare enrollment/maintenance is required in order to receive a medical subsidy. Enrolled Members/dependents who do not have their Medicare in place at the time of retirement may be temporarily carried on LACERS non-Medicare plans, but the Member will be charged for any premiums paid by LACERS for untimely and/or inadequate compliance with Medicare enrollment requirements.

How much of a difference is there in my retirement benefit between Cash Refund and Life Annuity allowance options?

This information will be reflected in the estimate that you will receive in your retirement packet. You can also create your own retirement estimates by accessing your MyLACERS account.

Can I transfer my sick and vacation time payouts in Deferred Compensation?

Please contact Deferred Comp at www.la457.com regarding your rollover options.

What is the maximum number of sick hours that is paid out when retiring?

Sick and vacation payouts are handled by your employing department.  Please contact your employing department and your MOU.

Can I make contributions to the Deferred Compensation Plan out of my separation incentive payment?

No. Retiring employees may not make deferrals out of their separation incentive payments because those payments are not eligible for post-severance contributions under Internal Revenue Code rules. However, contributions can be made our of normal wages and payouts of accrued vacation, sick, and overtime.

When will I receive my CSIP payment and my sick and vacation payouts? Will LACERS include information on my CSIP payment and sick and vacation payouts in my retirement application package?

LACERS is not responsible for CSIP payments nor sick and vacation payouts. Questions regarding CSIP payments should be directed to the Office of the CAO and sick and vacation inquiries to your employing department.

Can I have priority retirement?

No CSIP participant will have priority over another. Retirement effective dates will be determined by LACERS based on the participants first date of retirement eligibility and CAO priority guidelines.

According to my union, I can delay my retirement until January 2021 to take advantage of a COLA increase. Is this delay possible?

No, retirement effective dates shall be determined by LACERS and will be processed as expeditiously as possible without regard to a possible COLA increase.

EAA recently sent an email stating the following: “We have over 600 employees whose separation date of 1/19/2021 to increase your LACERS formula.”  If true, how is this request made?

This statement is incorrect. You cannot make requests to select or change your assigned retirement date for CSIP.

My Domestic Partnership is on file with Employee Benefits. Do I need to have one on file with LACERS?

Yes, your filing with Employee Benefits cover your active employee City benefits.. You need to register your Domestic Partnership with LACERS for your retirement related benefits.

Are copies of the original divorce or birth certificates accepted?

Yes. Please submit copies of the original documents and not originals as they will not be returned to you.

Do any of my documents need to be notarized?

No. Due to COVID-19 the notary requirements are temporarily suspended.

Will I need to attend any in-person meetings at the LACERS’ office?

No. Due to COVID-19 all in-person sessions have been suspended.

Who should I contact to discuss payroll deductions that I want to continue into retirement?

If you have any deductions that you want to continue in retirement, you will want to reach out to the individual agency, i.e. LAFCU, ACEBSA, City Employees Club, etc. 

How do I apply for life insurance for retirement?

LACERS does not offer life insurance. You should check with Employee Benefits, through the Personnel Department, to see if your active life insurance policy is portable.

What happens with the Union’s insurance when I retire?

Please contact your Union for further information.

Stock Market Volatility

How does the condition of the stock market affect my retirement benefit?

Although the benefits are paid based on Member contributions, the City contributions, and LACERS’ investments returns, your retirement benefit is calculated based on a set formula: Retirement Factor X Service Credit X Final Average Compensation.  Fluctuations in the stock market do not impact the amount of monthly benefits you receive.

Should I wait to retire?

The decision to retire depends on each Member’s situation and readiness.  Please contact us on our main line at (800) 779-8328 to inquire about retirement eligibility or assistance running a retirement estimate.

How does the condition of the stock market affect my Larger Annuity account?

If you elected the five-year Treasury Note option, your return is based on the performance of the five-year Treasury Note.  If you elected LACERS publicly-traded asset option, your return is based on LACERS publicly traded asset performance, which may be impacted by the market fluctuations.

What happens if LACERS runs out of money?

It would be nearly impossible for LACERS to run out of money since funding of the plan comes from 3 sources: required annual contributions from the City, required bi-weekly contributions from employees, and investment returns.  Funding levels of the plan are routinely monitored to ensure LACERS ability to provide retirement benefits over the long term.

Historically, what happened with LACERS investments when the stock market “crashed”?

The value of LACERS portfolio also declined, but less so than the stock market.  This is due to the portfolio diversification across different types of investments such as stocks, bonds, and real estate.  In other words, LACERS does not put all of its eggs in one basket.  Diversification helps ensure that sufficient assets are available to provide retirement benefits over the long term.

Address Changes

How do I update my mailing address with LACERS?

LACERS receives your mailing address through the City’s payroll system. If you’ve updated your address through your department’s Personnel Section, it will automatically be updated in LACERS’ system.

If you are no longer employed by the City of Los Angeles, but still have funds in your LACERS account, submit LACERS’ Change of Address request, available here.

Beneficiaries

How do I designate my Beneficiary?

Beneficiary information on file with Employee Benefits is not automatically shared with LACERS. To update your beneficiary, submit a designation of beneficiary form. Download the form and read additional important information about designating beneficiaries on the Designating Beneficiaries page.

How can I view my Beneficiaries on file?

Click here to log into your MyLACERS account to view your beneficiaries on file.

Buybacks/Service Credit Purchases

How can I purchase time to increase my retirement benefit?

If you are interesting in purchasing time with LACERS, your process will vary depending on the type of time you have available to purchase. 

Visit Supplementing Your Retirement for more information.

Divorce/Dissolution of Marriage

Do I need to submit my divorce decree to LACERS?

LACERS will require a copy of your final judgement. Please visit the page on divorce for more information.

Domestic Partnership

Employee Benefits has my Domestic Partnership information. Do I need to submit information to LACERS also?

Filing a Declaration of Domestic Partnership with Personnel Department, Employee Benefits section is not sufficient to cover the administration of benefits with LACERS. Please visit the Domestic Partnership page for more details.

Early Retirement Incentive Program (ERIP)

What is the total number of ERIP participants?

There are 2,400 ERIP participants.

What is the ERIP Cost Obligation?

The ERIP Cost Obligation is the full cost of ERIP as defined in the Los Angeles Administrative Code section 4.1033 (“ERIP Ordinance”).  The ERIP Ordinance states that the ERIP Cost Obligation is the obligation of LACERS Members, and that the City and Unions envisioned ERIP to be cost-neutral to the City.

How was the ERIP Cost Obligation determined?

The preliminary ERIP Cost Obligation was determined by an enrollment actuary engaged by the City, pursuant to requirements of the Los Angeles City Charter section 1168 (b), which specifies that the City Council must be advised in writing of the cost of benefit increases prior to adoption of an ordinance to change the LACERS benefit(s).

The City’s Consulting Actuary provided cost estimates of ERIP based on various scenarios projecting “take” rates of eligible employees.  Preliminary projected costs ranged from $250 million to retire 2,229 employees, up to $354 million to retire 2,763.  The ERIP Ordinance adopted a preliminary cost of $271M to retire 2,400 employees.

However, based on the LACERS actuarial valuation report of June 30, 2009 (revised April 22, 2010), the unfunded actuarial accrued liability increased by $355 million when factoring in nearly all ERIP retirees (2,393 of the 2,400 ERIP retirees were finalized at the time of the report).

What is the time period by which the ERIP Cost Obligation should be paid?

According to the ERIP Ordinance, the employee contributions toward the ERIP Cost Obligation begin on July 1, 2011 and end on June 30, 2026 (a 15-year period), or until the ERIP Cost Obligation is fully paid, whichever comes first.

How much money to date, has been paid by LACERS’ Active and Retired Members toward paying off the ERIP Cost Obligation?

As of December 31, 2021, over $237 million has been paid toward the $355 million ERIP Cost Obligation.  The pace of contributions toward ERIP are expected to decline slightly as the number of active Tier 1 Members retire.  New LACERS Members joining the City, currently enter under Tier 3 Membership and do not contribute to ERIP.

Furlough Information: Full-Time (72+ hour) Employees

Will mandatory furloughs affect my retirement benefits?
No. Taking furlough day(s) will not impact your retirement benefits because your benefit is determined by your Compensation Earnable, which is the amount your classification earns for 80 hours in a pay period regardless of the number of hours for which you are compensated.

If I am earning less money because of the furlough days, why won’t my retirement benefits be impacted?
Your retirement allowance is based on the following formula: Service Credit x Final Compensation x 0.0216.

Service Credit – This is determined by the amount of time you have worked as a member of LACERS and made contributions to your retirement account per Los Angeles Administrative Code (LAAC) 4.1001. As long as you work enough hours to cover the costs of your full retirement contribution and any other payroll deductions (this very likely will not be an issue with two furlough days per month), you will continue to earn the same amount of Service Credit with or without furlough days.

Final Compensation – This is the average of the last 12 months (or any other 12 consecutive month period you designate) of Compensation Earnable in your classification and will not be affected by furlough days. “Compensation Earnable” is the amount your classification earns for full-time service (LAAC 4.1001). Taking furlough days will reduce the amount of money you earn, but it will not reduce your Compensation Earnable. Because furlough days will not impact your Service Credit or your Final Compensation, they will have no impact on your retirement allowance.

Do I still have to make my full retirement contribution if I am taking mandatory furlough days? 
Yes. Your retirement contribution is calculated based on your  compensation earnable for your specific classification (LAAC 4.1003).  Your compensation earnable is the full salary, wage or compensation established for any position or office in the City service (LAAC 4.1001).  Your retirement contribution and service credit will remain the same whether your work 72 hours or 80 hours in a pay period

While I understand mandatory furlough days will not affect my retirement benefits, it will reduce my salary. Can I borrow from my retirement account?
No. The Los Angeles Administrative Code does not provide LACERS the authority to allow members to borrow from their LACERS accounts.

Do I have to take furlough days?
Please check with your Department Personnel Director to determine if you are required to take any furlough days.

Does LACERS have any services that will help me cope with the salary reduction of mandatory furlough days?
If you are facing other specific problems and feel you need assistance, the City’s Employee Assistance Program (EAP) provides help and counseling for a variety of issues. The EAP can be contacted 24 hours a day, 7 days a week by their toll-free line at (800) 213-5813. Their website is also available for information at: www.liveandworkwell.com, company code: CityofLA

Medicare

I am already over age 65 but I am still working for the City. Do I need to apply for Medicare? 

If you are still working at age 65 and are covered by the City’s (“Active”) medical plan, you can defer enrollment in Medicare until you retire. During your retirement process, LACERS Staff will provide you with additional documentation to take to Social Security to waive any late enrollment penalties.

For additional information on Medicare after retirement, please visit the Retirees Medicare Information page.

Retirement Application Portal – Tier 1 Normal and Early Service Retirements Only

What steps should I take prior to using the Retirement Application Portal (RAP)?

Here are some key steps to take before accessing the RAP:

• Attend a Planning for Retirement Seminar to learn about your benefits and attend a Retirement Application Portal Demo to learn how the portal works. Register for these webinars via your MyLACERS account here.
• Download a Decision Sheet here and start to review the decisions you will be making.
• If you have a MyLACERS account and don’t plan on leaving a continuance of more than 50% you can download a retirement estimate at any time on your own from MyLACERS.
• 90 days prior to your anticipated retirement date, call LACERS at (800) 779-8328 to notify us of your intent to retire, request a retirement benefit estimate (if you don’t already have one from MyLACERS) and to register for a RAP Demo, Retirement Counseling session, and a Health Counseling session.

For more information regarding the retirement process using the RAP, click here.

What is the web address for me to access RAP? 

The portal can be accessed at retire.lacers.org.

I don’t have a scanner to scan my documents, what do I do?

Consider the Adobe Scan free mobile app, the app works on your mobile device, scans documents into PDFs, and automatically recognizes text. Learn more here.

What happens after I submit my application?

Once you have submitted your application, a retirement counselor will be assigned to you and you may contact them for updates or questions about your application. You can also visit retire.lacers.org to check your status at any time.  

What if I make a mistake or a typographical error while completing my application?

You will have the opportunity to perform a final verification before your application is submitted. If you discover a mistake after you submit your application please notify your retirement counselor to have the mistake manually corrected.

How long will it take me to complete my online application?

Most Members will complete their application within one hour.

How do I return to an application I started, but did not finish?

You can login to your RAP account and continue to enter the rest of your information and finalize as many times as needed until you submit.

How can I check the status of my submitted application?

You can check the status of your application any time by visiting retire.lacers.org.

Which web browsers are supported by the RAP?

The latest versions of Chrome, Firefox, Edge, and Safari are supported.

Is the Retirement Application Portal (RAP) different than MyLACERS?

Yes, they are different. MyLACERS allows you to view your information, estimate your benefit, and view and register for events. RAP is solely used for applying for retirement.

I am entering a lot of personal information and documents into the portal, is it safe?

Yes. LACERS has partnered with Box.com to meet the most demanding compliance and privacy requirements. All information and files entered in the portal are encrypted using AES 256-bit encryption.

Are there any forms I will need to download and fill out in the portal?

Yes, throughout the application some forms will need to be downloaded and signed, such as the W-9 form for tax purposes, Heath Enrollment forms, etc.  You will always find these forms available for download in the same section where they will be uploaded.

Can I digitally sign these forms in the portal?

We hope this will be a future function, but at this time certain forms require that you download, sign, and upload after signing.

What if I am missing one of the required documents needed to upload in order to submit my application?

All required documents are required, however you if are in the process of obtaining the document you may create a Word document and state why you are missing the document and the estimated date in which you will receive it.  Upload this Word document in place of the required document in the portal and your assigned counselor will follow up with you.

How do I withdraw my application if I decide not to retire?

If your retirement effective date has passed, you cannot withdraw your application as you are already technically retired.  If you have not yet reached your retirement effective date you can withdraw your application in the portal using the withdrawal button.  When you decide to retire at a later date you will need to submit a new application.

What if I forgot my username or password?

The username is your personal email address that you used to create your account.  Your password can be changed by utilizing the password reset function in the Retirement Application Portal.

What if I no longer have access to my personal email account? 

You will need to create a new account in the Retirement Application Portal.

What if my contact information changes after I submit my application and prior to my retirement effective date? 

Contact LACERS at (800) 779-8328.

Seminars

How do I register for a Seminar?

Login to your MyLACERS Account to view and register. 

Time (Sick, Vacation, etc.)

What happens to my SK/VC when I retire? Does LACERS pay me out?

LACERS is not involved with the disbursement of these benefits.

Sick, Vacation, or Holiday time payouts after retirement are paid from the Controller’s Office. Questions regarding these benefits should be directed to your department personnel.

Retirees

Stock Market Volatility

How does the condition of the stock market affect my retirement benefit?

Although the benefits are paid based on Member contributions, the City contributions, and LACERS’ investments returns, your retirement benefit is calculated based on a set formula: Retirement Factor X Service Credit X Final Average Compensation.  Fluctuations in the stock market do not impact the amount of monthly benefits you receive.

How does the condition of the stock market affect my Larger Annuity account?

Fluctuations in the public investment markets do not impact the payout amount of Larger Annuity monthly benefits you receive.

What happens if LACERS runs out of money?

It would be nearly impossible for LACERS to run out of money since funding of the plan comes from 3 sources: required annual contributions from the City, required bi-weekly contributions from employees, and investment returns.  Funding levels of the plan are routinely monitored to ensure LACERS ability to provide retirement benefits over the long term.

Historically, what happened with LACERS investments when the stock market “crashed”?

The value of LACERS portfolio also declined, but less so than the stock market.  This is due to the portfolio diversification across different types of investments such as stocks, bonds, and real estate.  In other words, LACERS does not put all of its eggs in one basket.  Diversification helps ensure that sufficient assets are available to provide retirement benefits over the long term.

Address Change

How do I change my address with LACERS? 
Visit Change of Residence for more information.

Anthem Medicare Preferred (PPO)

The LACERS Board recently approved implementing the Anthem Medicare Preferred (PPO), a customized program for LACERS retirees, beginning January 1, 2022.

What is the new Anthem Medicare Preferred (PPO) Plan?

Medicare Advantage is a Medicare Part C plan offered by a private insurance company. Anthem BC Health Insurance Company (Anthem BC Health) is the private insurance company that manages this plan. Original Medicare covers Part A (hospital benefits) and Part B (doctor and outpatient care), whereas Anthem Medicare Preferred (PPO) plan covers both Parts A and B, prescription drugs and more.

Will the retiree program continue to provide a subsidy?

Yes. The Anthem Medicare Preferred (PPO) replaces the current Anthem Blue Cross Life and Health Medicare Plan (Medicare Supplement Plan). All other plans offered by LACERS will continue to be available to LACERS Medicare eligible retirees.

What is the start date for the Anthem Medicare Preferred (PPO)?

The effective date is January 1, 2022.

Will I receive a new medical ID card?

Yes. You should expect to receive your new card in January. Medical and prescription drug plan information will be included on one card, unlike the Anthem Life and Health Medicare Supplement plan, which had separate cards for the medical and prescription drug plans. You will also receive a new vision plan ID card.

How does the new plan work?

The Anthem Medicare Preferred (PPO) replaces both traditional Medicare and a Medicare Supplement plan with a single integrated program administered by Anthem Blue Cross. Through a contract with Medicare, the Anthem Medicare Preferred (PPO) provides all health care services previously covered by original Medicare and supplemented by the Anthem Blue Cross Life and Health Medicare Plan (Medicare Supplement Plan). The Plan must follow Medicare rules and provide all benefits provided by Medicare. The new Plan will also add some important new benefits not covered by the current Medicare Supplement plan, including:

• Personal Care Coordinator
• Home Delivered Meals
• Personal Care
• Emergency Response System (Life Alert)
• Enhanced Routine Transportation for 12 one any trips to the doctor or pharmacy
• Homemaker Service
• In-Home Caregiver Relief
• Adult Day Care/Community based Adult Services (CBAS)
• Bathroom Durable Medical Equipment (DME)
• Vision Materials - Additional $100 allowance/24 months
• Medicare Community Resource Support team will assist you by providing information and education about community-based services and support programs in your area.
• House Call Program
• Health & Fitness Tracker
• Healthy Pantry – Support for chronically ill members providing monthly nutritional counseling
• Sessions via phone.
• The new plan will continue to offer:
  • Hearing Aid – $2,000 allowance per ear/36 months
  • Chiropractic and Acupuncture
  • Foot Care – 12 visits per year
  • SilverSneakers fitness program
  • $0 copay telemedicine with LiveHealth Online

Can I go to my current doctors and hospitals?

Yes. The Anthem Medicare Preferred (PPO) is a Group Medicare PPO, which does not restrict access to providers. Retirees can go to any doctor or hospital that accepts Medicare of which there are now approximately 850,000 Medicare providers nationally. About 640,000 of those Medicare providers are currently in the Anthem Blue Cross Blue Shield networks and are contractually bound to see LACERS Medicare Preferred (PPO) members. Providers that are not contracted with the plan bill the Anthem Medicare Preferred (PPO) like they do for traditional Medicare. As long as the provider accepts payment from Medicare, they can bill the Anthem Medicare Preferred (PPO) and be paid the same amount as traditional Medicare pays.

What if the provider I am seeing does not agree to accept payment from the Anthem Medicare Preferred (PPO)?

In the very rare instance where a provider that accepts Medicare tells a retiree they will not accept payment from the Anthem Medicare Preferred (PPO), the retiree should contact First Impressions at 1-833-848-8729 pre-enrollment. Post enrollment, the retiree can contact Member Services at 1-833-848-8730 and the plan will work with the provider to make sure they understand it is the same payment schedule and answer any questions the provider may have.

If, despite that effort the provider still refuses, the member can pay the Medicare amount allowable to the provider and submit the claim to the plan. The member will be reimbursed, minus their copay or coinsurance, if applicable, for Medicare covered services.

Do I need to take action to enroll in the Anthem Medicare Preferred (PPO) plan?

If you are a retiree covered by the Anthem Blue Cross Life and Health Medicare Plan (Medicare Supplement Plan), you will be automatically enrolled in the new Plan for January 1, 2022, as long as you meet the LACERS Medicare requirements. You don’t have to do anything; however, you must be enrolled in Medicare Part A and Medicare Part B and continue to pay your Medicare Part B premiums, including any Part B and Part D Income-Related Adjustment Amounts. If you are not currently enrolled in the Anthem Life and Health Medicare Supplement Plan, but would like to enroll in the Anthem Medicare Preferred (PPO) plan for next year, complete and submit the necessary LACERS enrollment forms during Open Enrollment.

Can I choose another plan or is the Anthem Medicare Preferred (PPO) my only choice?

You can choose another option offered by LACERS by opting out of the Anthem Medicare Preferred (PPO) during the Open Enrollment period of October 15 – November 15, 2021. To opt out of the Anthem Medicare Preferred (PPO), first contact Anthem Blue Cross at 1-833-848-8729 (TTY: 711) Monday through Friday, 5 a.m. to 6 p.m. PST, except holidays. After contacting Anthem, if you are still interested in changing plans, you will need to complete LACERS health plan enrollment forms for another LACERS Medicare Advantage plan (through Kaiser, UHC, or SCAN), and submit the required enrollment documents to LACERS by November 15. If you live outside CA or outside the zip code service area of a LACERS CA HMO plan, you may participate in LACERS’ Medical Premium Reimbursement Program. This program allows you to enroll in a non-LACERS plan and get reimbursed for your premium costs, up to the amount of your subsidy. Your health plan options are included in the 2022 LACERS Health Benefits Guide.

As a member of the Anthem Medicare Preferred (PPO), do I need a referral to see a specialist?

No, you do not need a referral to see a specialist.

Do any services require preauthorization?

Yes, some medical procedures will require preauthorization under the Anthem Medicare Preferred (PPO). When you see an in-network provider, the doctor and Anthem will handle the preauthorization. When seeing out-of- network doctors, while prior authorizations are not required, we recommend you ask your provider to request a prior authorization to confirm that the services they are providing will be considered medically necessary and covered.

What if I live out of state?

The plan is a national program, so it covers retirees in any State in which they reside and when they travel. To be eligible for Anthem Medicare Preferred (PPO), members must live within the 50 states or any US territory, including Puerto Rico.

What happens when the retiree or spouse is under age 65?

The person who is Medicare-eligible may enroll in the Anthem Medicare Preferred (PPO) plan and the person who is under age 65 may enroll in the non-Medicare/Under 65 Anthem PPO plan.

I have surgery scheduled for January 3rd with my current carrier. What should I do?

The Anthem Medicare Preferred (PPO) clinical transition team will work with you and your doctor to ensure continuity of care.

What happens if I go into the hospital in December and I’m not discharged until January?

The insurer that was in place at the time of the inpatient admission will be responsible for the entire inpatient stay. If that is the Anthem Blue Cross Life and Health Medicare Plan (Medicare Supplement Plan), Anthem will be responsible for the claim for the entire stay.

Is this plan available to Members who are not enrolled in Medicare Part A?

At this time, the Anthem Medicare Preferred (PPO) is only available to Members and dependents who are enrolled in Medicare Parts A and B. LACERS evaluated including Members without Part A, but doing so now would significantly increase premiums of the other Anthem plans. LACERS will continue to explore these options with Anthem through future contract renewals.

Where can I call for more information about the Anthem Medicare Preferred (PPO)?

There is a special First Impressions call center (1-833-848-8729) established for the Anthem Medicare Preferred (PPO) to answer all your questions.

The call center hours of operations are Monday to Friday, 5 a.m. to 6 p.m. PST, except holidays. You will also be receiving the Anthem Medicare Advantage Enrollment Guide in early October that explains the details of the plan and the enrollment process. In addition, there will be webinars for those who would like to receive more information.

Passive PPO Webinar Dates:

• Friday, October 22, 2021 at 10:00 a.m.
• Friday, October 29, 2021 at 10:00 a.m.
• Friday, November 5, 2021 at 10:00 a.m.
• Friday, November 12, 2021 at 10:00 a.m.

After membership begins on January 1, 2022, members will call Member Services at 1-833-848- 8730 with any questions.

Award Letter/Pension Verification

I am applying for a loan/housing and the company is requesting verification of my pension or retirement account. What should I do?

Please visit the Benefit Verification Request page for more information about requesting an Award Letter of your benefit.

Direct Deposit

How do I update my Direct Deposit account information?

Please visit Your Benefit Payment page for the Direct Deposit Authorization form, and for more information.

Early Retirement Incentive Program (ERIP)

What is the total number of ERIP participants?

There are 2,400 ERIP participants.

What is the ERIP Cost Obligation?

The ERIP Cost Obligation is the full cost of ERIP as defined in the Los Angeles Administrative Code section 4.1033 (“ERIP Ordinance”).  The ERIP Ordinance states that the ERIP Cost Obligation is the obligation of LACERS Members, and that the City and Unions envisioned ERIP to be cost-neutral to the City.

How was the ERIP Cost Obligation determined?

The preliminary ERIP Cost Obligation was determined by an enrollment actuary engaged by the City, pursuant to requirements of the Los Angeles City Charter section 1168 (b), which specifies that the City Council must be advised in writing of the cost of benefit increases prior to adoption of an ordinance to change the LACERS benefit(s).

The City’s Consulting Actuary provided cost estimates of ERIP based on various scenarios projecting “take” rates of eligible employees.  Preliminary projected costs ranged from $250 million to retire 2,229 employees, up to $354 million to retire 2,763.  The ERIP Ordinance adopted a preliminary cost of $271 million to retire 2,400 employees.

However, based on the LACERS actuarial valuation report of June 30, 2009 (revised April 22, 2010), the unfunded actuarial accrued liability increased by $355 million when factoring in nearly all ERIP retirees (2,393 of the 2,400 ERIP retirees were finalized at the time of the report).

What is the time period by which the ERIP Cost Obligation should be paid?

According to the ERIP Ordinance, the employee contributions toward the ERIP Cost Obligation begin on July 1, 2011 and end on June 30, 2026 (a 15-year period), or until the ERIP Cost Obligation is fully paid, whichever comes first.

How much money to date, has been paid by LACERS’ Active and Retired Members toward paying off the ERIP Cost Obligation?

As of December 31, 2021, over $237 million has been paid toward the $355 million  ERIP Cost Obligation.  The pace of contributions toward ERIP are expected to decline slightly as the number of active Tier 1 Members retire.  New LACERS Members joining the City currently enter under Tier 3 Membership and do not contribute to ERIP.

Health Plan Changes (Medical and Dental)

When can I make changes to my Medical or Dental plan?

Please visit the Health Enrollment page for information about Open Enrollment, and other qualifying events where you may make changes.

ID Cards (Medical and Dental)

I haven’t received my new Medical/Dental ID card. Who do I contact?

ID Cards are issued by the insurance carrier. Please refer to the last page/back cover of the Health Benefits Guide for each carrier’s contact phone number.

Medicare

I will be turning 65. What do I need to do?

Members and dependents who turn 65 will need to contact the Social Security Administration to enroll in Medicare, then fill out and submit the appropriate Senior Plan Enrollment form and a copy of the Medicare card. Please visit the Retirees Medicare Information page for additional details.

Open Enrollment

What and When is Open Enrollment?

• Open Enrollment is a one-month period when LACERS retired Members can enroll in a plan, change plans, or add dependents to their plan.  You may only make these changes during an Open Enrollment period unless you experience a qualifying event.
• Open Enrollment is from October 15, 2021 to November 15, 2021, for the LACERS 2022 plan year.
• NOTE:  If you made an Open Enrollment change during the previous extended Open Enrollment period and the change took effect on/after February 1, 2021, you will not be eligible to make an Open Enrollment change until the Open Enrollment period for 2023 (beginning in October 2022).

What will the Open Enrollment packet consist of, and when will it be mailed to retirees?

• The 2022 Open Enrollment packets will be mailed to Retired Members beginning the second week of October. For Members over the age of 65, the packet will consist of the 2022 Open Enrollment Statement, 2022 Health Benefits Guide, and the 2022 Open Enrollment Overview.  For Members under age 65, the packet will consist of the 2022 Open Enrollment Statement and the 2022 Open Enrollment Overview.  The 2022 Health Benefits Guide will be available on the LACERS website in the Retiree section. If a Member would like a physical copy of the Guide, they can request one from LACERS.
• If a Member already opted out of receiving printed copies of their Open Enrollment by mail, they will either be emailed their materials or they will visit the LACERS Retired member home page to view and download these materials according to the selection they chose when they opted out.

I don’t want to change my medical and dental plans for 2022.  Do I have to turn in new enrollment applications to LACERS even if I don’t want to change medical or dental plans?

No. If you wish to keep your current medical and dental plans for you and your dependent(s) in 2022, no action is required by you, and you do not have to turn in new enrollment applications.

Where can I find more information about Open Enrollment and my health plan options?

You can find digital copies of our Open Enrollment materials, additional information/resources for each LACERS health plan, enrollment forms, Open Enrollment meeting schedule, and more on the LACERS Open Enrollment page on the LACERS website in the Retiree section.

What is an Open Enrollment meeting?

• LACERS is scheduling meetings with each LACERS health plan to give our Members an opportunity to learn more about each plan’s offerings and to get their questions answered.  Also, LACERS will hold a meeting to go over the changes for plan year 2022.

How many Open Enrollment meetings will there be and where will they be held?

• To protect our Members from the spread of COVID-19, Open Enrollment meetings with each insurance carrier are being held virtually through Zoom.  You can register through your MyLACERS account or by calling LACERS. All meetings begin at 10 a.m.
  • LACERS Overview of 2022 – Tuesday, October 19
  • Kaiser Permanente – Thursday, October 21
  • Anthem Blue Cross (HMO/PPO plans) – Tuesday, October 26
  • UnitedHealthcare – Thursday, October 28
  • SCAN – Tuesday, November 2
  • Delta Dental/Anthem Blue View – Thursday November 4
     
  • Anthem Medicare Preferred (PPO) NEW PLAN REPLACING ANTHEM BLUE CROSS LIFE AND HEALTH MEDICARE SUPPLEMENT PLAN (SEE RELATED FAQs)
    • October 22, 29; November 5, 12

What medical plans are offered in 2022?

• The medical plan choices available to you and your dependents are based on where you live, and the age and Medicare status of you and/or your dependents:

What are LACERS dental plan choices?

Which enrollment form do I need if I want to enroll in or change health plans?

• Non-Medicare/Dental Plans: If you are changing from one non-Medicare medical plan, or dental plan, to another, the LACERS Medical and/or Dental Plan Enrollment Form must be used.  You may obtain the necessary forms by visiting www.LACERS.org and clicking on “Open Enrollment” in the Retiree section, or by calling LACERS at (800) 779-8328 and requesting that forms be mailed to you.
• Age 65 or older:  If you and/or your dependents have Medicare Part B only, or Medicare Parts A & B, senior enrollment forms for the selected plan must also be submitted. Please contact LACERS at (800) 779-8328 and request that these forms be mailed to you.

What do I need to do to add a dependent to my existing plan(s)?

• When making a change by adding a dependent, submit a LACERS Medical/Dental Plan Family Account Change Form to LACERS as well as a completed Certification of Dependent or Survivor Status for Health Coverage Form.
• For your spouse/partner, you must submit copy of your Marriage Certificate or Domestic Partner Affidavit; for children, you must submit copies of birth certificates. [FYI – You may need to check OnBase if Member states that these documents have been previously submitted.]
• If your dependent is Medicare-eligible, additional forms will be required to enroll in a LACERS medical plan.

Can I cover an unmarried dependent child under age 26?

• Yes, but if the child is working and their employer provides a medical plan, then the dependent is not eligible for a LACERS plan.  It does not matter if your child declines their employer coverage.

When will my plan changes become effective?

• New enrollments and changes made during Open Enrollment will become effective January 1, 2022; and
• Any new deductions reflecting your health plan choices and coverage level for 2022 will appear on your December 31, 2021, paycheck.

When will I receive my new health plan I.D. card?

• New cards will be issued for Anthem medical plans and Anthem Blue View vision plan.  New cards should be received in mid-January 2022.  If you need to seek services prior to receipt of your new card, the provider should be able to confirm your enrollment electronically.  Be sure to have your provider/pharmacy update their records with your new card information during your first visit in the new year.
   
• Anthem Medicare Preferred (PPO)
  New medical plan/prescription drug plan ID card AND a new vision plan (Anthem Blue View) ID card will be issued
   
• SCAN
• UnitedHealthcare
  Only a new vision plan (Anthem Blue View) ID card will be issued
   
• Anthem HMO with only Medicare Part B
• Anthem PPO with only Medicare Part B
  New medical plan/vision plan (Anthem Blue View) plan ID card AND new prescription drug plan ID card will be issued
   
• Anthem HMO (Non-Medicare)
• Anthem PPO (Non-Medicare)
  New medical plan/prescription drug/vision (Anthem Blue View) plan ID card will be issued
   
• Kaiser HMO
• Kaiser Senior Advantage
• DeltaCare USA DHMO
  No new ID cards will be issued
   
• Delta Dental PPO plan does not issue ID cards. However, Members can log on to and print their own from the Delta Dental website. (www.DeltaDentalins.com)

Is there a pre-existing condition clause in any of the plans, e.g., cancer or multiple sclerosis? Can a Member still be covered? 

• There is no pre-existing condition clause. Retired Members may be covered under a LACERS plan, as long as they enroll during the annual Open Enrollment period   (Oct. 15 – Nov. 15).

Are LACERS health plan premiums fixed?

• The premium rates are fixed for one year.  Depending on the zip code of your home address, not all LACERS health plans may be available to you. Premiums are subject to change each January 1.

LACERS MEDICARE REQUIREMENT

What is LACERS Medicare Requirement?              

• The Los Angeles Administrative Code (LAAC 4.1111) and related Board Rules require LACERS members and their eligible dependents to:
  • Enroll in Medicare Part B upon becoming eligible, usually at age 65 (three months before your birthday to avoid a lapse in coverage);
  • Enroll in Medicare Part A only if entitled to it premium-free, at no cost;
  • Present LACERS with Proof of Medicare enrollment in Part B or Parts A and B, depending on eligibility (i.e. Social Security Administration Entitlement Letter or their Medicare card);
  • Keep their Medicare Part B premium payments current; and
  • Pay any outstanding Medicare Part B or Income-Related Monthly Adjustment Amounts (IRMAA) (Part B and Part D) that they owe to Social Security/Centers for Medicare and Medicaid Services (CMS)/Medicare, or risk losing their LACERS health coverage.
• Please Note: Late enrollment or lapses in enrollment may result in permanent Medicare premium penalties to the Member.

Additionally, Retirees enrolled in Medicare Parts A and B (with proof of enrollment on file), receiving a subsidy, and enrolled in a LACERS Medicare plan are reimbursed their monthly Medicare Part B basic premium payments.

What is Medicare?

• Medicare is a national health insurance program (federally funded) for people age 65 or over, some disabled people under age 65, and people with End-Stage Renal Disease (ESRD). LACERS plans for those who are Medicare-eligible incorporate Medicare benefits to help reduce healthcare costs and keep plans affordable to Members.

What is Medicare Part B?

• Medicare Part B is insurance that covers doctors’ visits, outpatient services and some preventive services (e.g., cancer screenings). The current 2021 basic premium rate is $148.50.  As of today, the 2022 rate has not been published.  It is usually published by late November and we will notify our Members via a paycheck flyer and on our website.

I heard in the news that there may be a reduction to the 2022 Basic Part B Premium, how will this affect me?

LACERS is aware that the Centers for Medicare and Medicaid Services (CMS)/Medicare is reviewing the 2022 basic Part B premium for a possible reduction to the 2022 premium. LACERS will post information as it becomes available to our website at www.LACERS.org.

What is Medicare Part A?

• Medicare Part A is insurance that helps pay for hospital care, skilled nursing facilities, hospice, and some home healthcare.

Who is eligible for Medicare Part A?

• Members may qualify for Part A premium-free with 40 quarters (i.e., 10 years of full-time work) of paying Medicare taxes to Social Security while they were working. Members hired on/after April 1, 1986, began paying into Medicare and after 10 years of Service may be eligible to receive Part A at no cost. Members may also be eligible for Medicare Part A premium free (at no cost to you) through a current spouse, an ex-spouse, or a deceased spouse or ex-spouse.  Members should contact the Social Security Administration to determine their eligibility. 

What is Medicare Part D?

• Medicare Part D is prescription drug coverage for those in Medicare.

Should I enroll in Medicare Part D?

• Only enroll through your LACERS plan.  Medicare Part D is integrated into all LACERS medical plans. When you enroll in a LACERS Medicare plan, you will be enrolled in Medicare Part D.  According to Medicare restrictions, you cannot be enrolled in more than one Medicare Part D prescription drug plan. DO NOT enroll in a Medicare Part D plan separate from LACERS.  If you enroll in a Non-LACERS Medicare Part D plan, your LACERS medical plan may be terminated.

  • Exception for Medical Premium Reimbursement Program (MPRP) Enrollees: If you are enrolled in MPRP and your non-LACERS medical plan does not include Medicare Part D, you may enroll in supplemental Medicare Part D insurance.
  • Medicare Part D Income-Related Monthly Adjustment Amounts (IRMAA) It is a separate surcharge from the Center for Medicare and Medicaid Services (CMS), based on your income.  These must be paid to CMS in order to maintain Medicare coverage (which is required by LACERS) and it is not reimbursable. If you do not pay your Part D IRMAA your medical plan may be terminated.  The same is true of Medicare Part B IRMAAs.

How can I contact Medicare for enrollment information?

• You can call Social Security at 1-800-772-1213 for Medicare Enrollment information, or visit the Social Security Administration website at www.ssa.gov, or the Medicare website at www.medicare.gov.

Taxes

Do I still receive a W-2 Tax form after retirement?

LACERS Members receive a 1099-R for their retirement payments received for the year.

I did not receive my Tax form for the year. How can I obtain a copy?

Login to your MyLACERS Account to view and print a copy of your 1099-R tax forms, or contact LACERS Member Service Center at (800) 779-8328 to request one mailed to your address on file.

How do I change my Tax Withholding? 

Visit this page for more information on changing your tax withholding.

Do I have to pay taxes on my retirement allowance?

Your retirement income is taxable. LACERS Members have contributed to the plan on a pre-tax basis since 1986. Any contributions prior to 1986 were taxed, so any portion of your allowance that is based on pre-1986 contributions will not be subject to taxes.

California Proposed Universal Healthcare Plan

LACERS and the City are aware of the proposed change to how Healthcare is provided in California. The Los Angeles Administration Code is LACERS governing authority. Therefore, Retiree Health Insurance benefits’ compensation changes would have to be passed by Ordinance.

At this time, LACERS does not have any information regarding how the proposed changes may affect our Members. As information becomes available it will be posted to the LACERS website at www.LACERS.org.

MyLACERS

How do I create my MyLACERS Account?

MyLACERS enrollment requires that a PIN be sent to the Member’s mailing address on file in order to create the account. You can request a new PIN at the following link https://mylacers.lacers.org/RequestPIN.aspx.

The PIN letter will include step-by-step instructions on creating your account, and should be received within 3-5 business days. Once you receive your PIN, you can proceed to create your MyLACERS Account. If further assistance is required, please contact LACERS Member Service Center at (800) 779-8328.

How can I reset my MyLACERS password or challenge questions?

For assistance with accessing your MyLACERS Account, please contact LACERS Member Service Center at (800) 779-8328. Once your identity is verified, our staff will be able to assist with a password reset or security challenge questions reset.

I received an email about an Unrecognized Device accessing my Account. What do I do?

Any time you access your MyLACERS Account from a new device or location, you will be prompted to enter your Challenge Questions to access the account. This will also trigger an email to notify you that your account has been logged in using a new device.

If you do not recall accessing the account on the date and time you received the email, you may wish to reset your password to secure your account, otherwise you may disregard the email.

Two-Factor Authentication

What is two-factor authentication?

Two-factor authentication is when a user is required to provide a second means of proving they are who they claim to be.  The first authentication is the password used to login along with a username.  The second authentication, such as an email or SMS message code, provides an additional layer of security to the account.