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Actuarial Valuation of Other Post - Employment Benefit Programs as of <br />And 1. 2012 for the Citv of Sample Citv <br />Table 4 - Actuarial Methods and Assumptions <br />(Continued) <br />Disability Retirement Rates (continued) <br />CaIPERS Public Agency <br />Fire Combined Disability <br />CalPERS Public Agency <br />Police Combined Disability <br />Age <br />Unisex <br />Age r <br />Unisex <br />20 <br />0.00034 <br />20 <br />0.00079 <br />25 <br />0.00130 <br />25 <br />0.00332 <br />30 <br />0.00262 <br />30 <br />0.00664 <br />35 <br />0.00382 <br />35 <br />0.00996 <br />40 <br />0.00502 <br />40 <br />0.01327 <br />45 <br />0.00632 <br />45 <br />0.01659 <br />50 <br />0.00794 <br />50 <br />0.01999 <br />55 <br />0.07305 <br />55 <br />0.06803 <br />60 <br />0.07351 <br />60 <br />0.06869 <br />Healthcare Trend Rate Medical plan premiums are assumed to Increase once <br />each year. The increases over the prior year's levels are <br />assumed to be effective on the dates shown below: <br />Effective: <br />Premium <br />Effective- <br />- Premium <br />April 1 ` <br />increase <br />April 1 <br />Increase <br />2013 <br />* <br />2017 <br />6.50% <br />2014 <br />8.00% <br />2018 <br />5.50% <br />2015 <br />7.50% <br />2019 <br />4.50% <br />2016 <br />7.00% <br />& later <br />* Actual premium increases were used for 2013 for pre - <br />Medicare premiums; for post - Medicare premiums, no <br />increase was assumed for 2013. <br />Employer Cost Sharing Where the City contribution is defined as a fixed dollar <br />amount(s), we have assumed these benefits will <br />increase by a constant rate of 4% per year. <br />Medicare Eligibility Absent contrary data, all individuals are assumed to be <br />eligible for Medicare Parts A and B at age 65. <br />Participation Rate Active employees: 100% of employees in the City <br />Management group and 85% of all other employees are <br />assumed to continue their current medical plan election <br />in retirement. Those employees currently waiving <br />coverage are assumed to elect coverage in the Kaiser <br />Los Angeles area plan at a later date, thus gaining <br />access to medical plan benefits in retirement. <br />Retired participants: Existing medical plan elections are <br />assumed to be continued until the retiree's death. <br />Bickmore <br />