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Retirement |
County of
San Bernardino
Human
Resources Department
Employee Benefits and
Services |
Retirement Eligibility
All employees working at least 40 hours per
pay period in a retirement-eligible position are automatically members
of the San Bernardino County Employees’ Retirement Association (SBCERA)
. As a member of SBCERA, you make contributions each pay period for your
retirement and survivor benefits by payroll deduction .There will be a
change to your required retirement contribution and the premiums for
survivor benefits effective June 21, 2008 .The survivor benefit premiums
will decrease from $2.74 to $2.45 per pay period .The Contribution Rate
Table below details the new refundable and nonrefundable rates for both
General and Safety employees .
Employee
Retirement Contribution Rate Table
Back to Top
Refundable
and
Nonrefundable
Retirement
Options
You
may
change
your
retirement
options
each
year
during
Open
Enrollment.
If
you
wish
to
change
your
retirement
options,
you
must
use
eBenefits.
Changes
are
effective
pay
period
17,
and
you
will
see
the
changes
on
your
first
August
pay
warrant.
Refundable
Retirement
Contributions
If
you
designate
your
retirement
contributions
as
refundable,
then
you
must
pay
one
dollar
for
each
dollar
required
to
meet
your
retirement
contribution.
If
you
leave
employment
without
retiring,
you
may
withdraw
this
contribution
plus
earned
interest
in
one
lump
sum
from
the
SBCERA,
even
if
you
were
not
vested.
Nonrefundable
Retirement
Contributions
If
you
designate
your
retirement
contributions
as
nonrefundable,
your
retirement
obligation
will
be
reduced
for
each
dollar
required
to
meet
your
retirement
contribution.
This
reduction
is
determined
by
the
Board
of
Retirement
annually
and
is
subject
to
change.
General employees pay $1.00 for every $1.10
required
to
satisfy
their
retirement
obligation;
Safety
employees
pay
$1.00
for
every
$1.05
required.
If
you
leave
the
County
without
retiring,
you
may
not
withdraw
this
contribution
from
the
SBCERA.
When
and
if,
you
are
eligible
you
may
receive
a
retirement
benefit.
The
following
table
outlines
some
of
the
advantages
and
disadvantages
of
choosing
between
the
refundable
and
nonrefundable
retirement
options.
Generally,
if
you
have
less
than
five
(5)
years
of
full-time
service,
it maybe beneficial to choose the refundable option.
Refundable
vs.
Nonrefundable
Table
|
EVENT |
REFUNDABLE
OPTION |
|
NONREFUNDABLE
OPTION |
|
Employee's
biweekly
cost |
Safety
and
General
employees
contribute
$1.00
for
every
$1.00
required. |
|
General
employees
contribute
$1.00
for
every
$1.10
required;
Safety
employees
contribute
$1.00
for
every
$1.05
required.
|
|
Termination
before
five
(5)
years
of
County
employment
completed |
All
employee
and
employer
contributions
made
on
your
behalf
that
were
paid
under
the
refundable
option
will
either,
if
elected,
be
refunded
to
you
in
a
lump
sum
with
interest;
or,
you
may
choose
to
leave
said
funds
"on
deposit"
with
the
retirement
system
to
earn
the
applicable
member
deposit
interest
rate
as
determined
by
the
Board
of
Retirement.
|
|
None
of
the
employee
and
employer
contributions
made
on your
behalf
that
were
paid
under
the
nonrefundable
option
will
be
paid
in
a
lump
sum.
Note:
employees
with
contributions
under
both
the
refundable
and
nonrefundable
options
will
be
refunded
only
the
contributions
that
were
designated
as
refundable |
|
Termination
after
five
(5)
years
of
County
employment
completed |
The
employee
has
the
option
of
deferred
retirement
or
receiving
a
lump
sum
refund
of
employee
and
completed
employer
contributions
made
on
your
behalf
with
interest.
|
|
Deferred
retirement
OR
refund
of
refundable
contributions,
if
any
exist |
|
Non-service
related
death
before
five
(5)
years
of
County
employment |
Spouse, dependent
children, or other named beneficiary
receive
return
of
employee
contributions,
interest
and
one
month's
salary
for
each
completed
year
of
service,
up
to
a
maximum
of
six
months
salary;
survivor
benefits
are
available
if
general
member
worked
at
least
18
months.
|
|
Spouse,
dependent
children, or other named beneficiary
receive
one
month's
salary
for
each
completed
year
of
service,
up
to
a
maximum
of
six
months
salary;
survivor
benefits
are
available
if
general
member
worked
at
least
18
months. |
|
Non-service
related
death
after
five
(5)
years
of
County
employment |
Option
1
Eligible
spouse, registered domestic partner,
or
dependent
children
receive
60%
of
the
amount
awarded
in
a
non-service
connected
disability
retirement.
Option
2
Lump
sum
payment
of
one
month's
salary
for
each
completed
year
of
service
for
a
maximum
of
six
months;
plus
a
monthly
amount
actuarially
reduced
according
to
the
age
of
the
beneficiary.
Option
3
If
there
is
no
spouse
or
eligible
child,
the
beneficiary
will
be
entitled
to
one
month's
salary
for
each
completed
year
of
service,
up
to
a
maximum
of
six
months,
plus
the
return
of
the
member's
refundable
contributions
plus
interest. An eligible
spouse
may
also
choose
this
option. |
|
Option
1
Eligible
spouse, registered domestic partner,
or
dependent
children
receive
60%
of
the
amount
awarded
in
a
non-service
connected
disability
retirement.
Option
2
Lump
sum
payment
of
one
month's
salary
for
each
completed
year
of
service
for
a
maximum
of
six
months;
plus
a
monthly
amount
actuarially
reduced
according
to
the
age
of
the
beneficiary.
Option
3
If
there
is
no
spouse
or
eligible
child,
the
beneficiary
will
be
entitled
to
one
month's
salary
for
each
completed
year
of
service,
up
to
a
maximum
of
six
months,
plus
the
return
of
the
employee's
refundable
contributions
plus
interest,
should
any
exist. An eligible
spouse
may
also
choose
this
option.
|
|
Service-related
death
before
retirement |
Option
1
Eligible
spouse
or
registered domestic partner
receive
100%
of
the
amount
awarded
in
a
service-connected
disability
retirement;
Safety
employee's
spouse
or
dependents
may
receive
an
additional
payment.
Option
2
Same
as
above.
Option
3
Same
as
above. |
|
Option
1
Eligible spouse or registered domestic partner
receive
100%
of
the
amount
awarded
in
a
service-connected
disability
retirement;
Safety
employee's
spouse
or
dependents
may
receive
an
additional
payment.
Option
2
Same
as
above.
Option
3
Same
as
above. |
The
information
contained
in
the
Refundable
vs.
Nonrefundable
Table
is a
summary
of
information
provided
by
SBCERA.
Retirement
Medical
Trust
Plan
This
trust
allows
contributions
to be
made
by
the
County
to
the
trust
for
the
benefit
of an
eligible
employee,
free
of
tax,
to be
used
for
the
reimbursement
or
payment
of
medical
expenses
when
the
employee
has
separated
from
County
service
for
reasons
other
than
a
disability
retirement
and
has
reached
normal
retirement
age.
The
Trust
Plan
is
not a
voluntary
benefit.
Those
employees
who
satisfy
the
definition
of an
eligible
employee
must
have
the
cash
value
of
their
unused
accumulated
sick
leave,
if
any,
contributed
to
the
Trust.
It is
applicable
to
elected
officials,
exempt,
Safety
Management
and
Supervisory,
and
Management
unit
employees.
For
more
information,
see
the
Plan
Document
and
Trust
Agreement.
 Back
to
Top
How
to
Get
in
Touch
with
a
Representative
of
the
Retirement
Plan
For
more
information
about
the
retirement
plan,
refer
to
the
Retirement
Plan
Booklet
or
call
the
Board
of
Retirement
at
909-885-7980,
or
toll-free
at
1-877-722-3721.
Or
see
the
San
Bernardino
County
Employees'
Retirement
Association
(SBCERA)
web
site
for
more
information.
Back to Top
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