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Employees Retirement System of the City of St. Louis
Monday, October 06, 2008, 12:05:51 PM    

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For Retirees




Benefit Options

At time of retirement, a member may elect one of the following three options. This election is irrevocable after retirement.
  1. Life Only Benefit - The regular pension benefit payable during the member's lifetime only.


  2. Joint and Survivor Annuity - A reduced pension payable during the member's lifetime and which continues to the member's spouse for his/her lifetime following the member's death. Should the spouse predecease the member, the reduced pension will continue for the member's life.


  3. Ten (10) Year Certain and Life Annuity - A reduced pension payable during the member's lifetime, but in no case less than 120 monthly payments. If the member should die before the guaranteed 120 monthly payments have been paid, the remaining monthly payments will continue to the member's designated beneficiary until a total of 120 monthly payments have been paid.

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