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16.576 Normal retirement. (1) (a) Any member who begins participating before September 1, 2008, who has at least five (5) years of service credit may retire at his normal retirement date, or <br>subsequent thereto, upon written notification to the system, setting forth at <br>what date the retirement is to become effective, if the effective date shall be <br>after his last day of service and subsequent to the filing of the notice at the <br>retirement office. (b) Any member who begins participating on or after September 1, 2008, who has at least five (5) years of service credited under KRS 16.543(1), 61.543(1), or <br>78.615(1) or another state-administered retirement system may retire at his or <br>her normal retirement date, or subsequent thereto, upon written notification to <br>the system, setting forth what date the retirement is to become effective, if the <br>effective date shall be after his or her last day of service and subsequent to the <br>filing of the notice at the retirement office. (2) The member shall have the right to elect to have his retirement allowance payable under subsection (3), (4), or (6) of this section or any one (1) of the plans set forth <br>in KRS 61.635. (3) (a) Effective August 1, 1990, a member of the Kentucky State Police Retirement System may elect to receive an annual retirement allowance, payable monthly <br>during his lifetime, equal to two and five-tenths percent (2.5%) of final <br>compensation for each year of service credit. Effective August 1, 1988, a <br>member of the County Employees Retirement System covered by this section <br>may elect to receive an annual retirement allowance, payable monthly during <br>his lifetime, equal to two and five-tenths percent (2.5%) of final compensation <br>for each year of service credit. Effective August 1, 1988, a member of the <br>Kentucky Employees Retirement System covered by this section may elect to <br>receive an annual retirement allowance, payable monthly during his lifetime, <br>equal to two and forty-nine hundredths percent (2.49%) of final compensation <br>for each year of service credit. The annual retirement allowance for a member <br>covered by this section shall not exceed the maximum benefit as set forth in <br>the Internal Revenue Code. (b) A member of the State Police Retirement System, a member of the Kentucky Employees Retirement System covered by this section, or a member of the <br>County Employees Retirement System covered by this section, whose <br>participation begins on or after September 1, 2008, shall receive an annual <br>retirement allowance, payable monthly during his or her lifetime, equal to: <br>1. One and three-tenths percent (1.3%) of final compensation for each year <br>of service credit if the employee has earned ten (10) or less years of <br>service at retirement; 2. One and one-half percent (1.5%) of final compensation for each year of <br>service credit if the employee has earned greater than ten (10) but no <br>more than twenty (20) years of service at retirement; 3. Two and one-quarter percent (2.25%) of final compensation for each <br>year of service credit if the employee has earned greater than twenty (20) <br>but less than twenty-five (25) years of service at retirement; or 4. Two and one-half percent (2.5%) of final compensation for each year of <br>service credit if the employee has earned twenty-five (25) or more years <br>of service at retirement. (4) The member may elect to receive a monthly retirement allowance payable for ten (10) years certain, actuarially equivalent to the retirement allowance payable under <br>subsection (3) of this section. If the member should become deceased prior to the <br>expiration of ten (10) years, his beneficiary, unless the beneficiary is the member's <br>estate, shall receive the remaining payments monthly for the duration of the ten (10) <br>years. If the member's estate is the beneficiary, the member's estate shall receive a <br>lump-sum payment which shall be the actuarial equivalent to the remaining <br>payments. The provisions of KRS 61.702 notwithstanding, the member who retired <br>on June 17, 1978, or thereafter, and his spouse and eligible dependents shall <br>continue to receive the insurance benefits to which they are entitled pursuant to <br>KRS 61.702 after the expiration of ten (10) years. Effective with any insurance <br>contract procured, or self-insurance plan instituted, after July 15, 1990, a member <br>who retired prior to June 17, 1978, and his spouse and eligible dependents shall <br>receive insurance benefits pursuant to KRS 61.702 upon payment by the member or <br>beneficiary of the entire cost of the required insurance premium. (5) Notwithstanding any other provisions of this section, upon written notification to the system, a member shall have the option to defer his election to receive his <br>retirement allowance. The retirement allowance payable under a deferred option <br>shall be increased to reflect the deferred receipt of benefits. (6) In lieu of any other benefits due under KRS 16.505 to 16.652, a member who begins participating before September 1, 2008, who has attained age fifty-five (55) <br>and who has attained at least one (1) month of service credit but no more than fifty-<br>nine (59) months of service credit may elect to receive an annual retirement <br>allowance, payable monthly or less frequently as determined by the board, which <br>shall be determined by multiplying his accumulated contributions by two (2) and <br>converting this amount to an annual retirement allowance based on an annuity rate <br>adopted by the board which would pay the actuarial equivalent of twice his <br>accumulated contributions over the lifetime of the retired member. Effective: June 25, 2009 <br>History: Amended 2009 Ky. Acts ch. 77, sec. 5, effective June 25, 2009. -- Amended 2008 (1st Extra. Sess.) Ky. Acts ch. 1, sec. 8, effective June 27, 2008. -- Amended <br>1996 Ky. Acts ch. 167, sec. 2, effective July 15, 1996. -- Amended 1994 Ky. Acts <br>ch. 485, sec. 4, effective July 15, 1994.</div></article><aside class="right-sidebar"><div class="related-sidebar"><h3><span class="emoji">⚖️</span> State Laws</h3><ul class="state-laws-list"><li><a href="https://state-laws.laws.com/state-of-alabama">The State Laws of <!-- -->Alabama</a></li><li><a href="https://state-laws.laws.com/state-of-alaska">The State Laws of <!-- -->Alaska</a></li><li><a href="https://state-laws.laws.com/state-of-arizona">The State Laws of <!-- -->Arizona</a></li><li><a href="https://state-laws.laws.com/state-of-arkansas">The State Laws of <!-- -->Arkansas</a></li><li><a href="https://state-laws.laws.com/state-of-california">The State Laws of <!-- -->California</a></li><li><a href="https://state-laws.laws.com/state-of-colorado">The State Laws of <!-- -->Colorado</a></li><li><a href="https://state-laws.laws.com/state-of-connecticut">The State Laws of <!-- -->Connecticut</a></li><li><a href="https://state-laws.laws.com/state-of-delaware">The State Laws 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PDF...\u003c/div\u003e\u003cscript type=\"text/javascript\"\u003e var pdf_url = 'https://law.justia.com/codes/kentucky/2009/016-00/pdf/576.pdf'; $(document).ready(function() { var embedwindow = $(\"#embed_document\"); if ($.browser.msie){ embedwindow.html('\u003cembed src=\"'+pdf_url+'\" width=\"100%\" height=\"100%\"\u003e\u003c/embed\u003e'); } else { embedwindow.html('\u003ciframe style=\"width:100%; height:100%;\" src=\"https://docs.google.com/gview?url='+window.escape(pdf_url)+'\u0026embedded=true\" frameborder=\"0\"\u003e\u003c/iframe\u003e'); } });\u003c/script\u003e\u003cbr\u003e\u003cbr\u003e\u003cnoframes\u003e16.576 Normal retirement. (1) (a) Any member who begins participating before September 1, 2008, who has at least five (5) years of service credit may retire at his normal retirement date, or \u003cbr\u003esubsequent thereto, upon written notification to the system, setting forth at \u003cbr\u003ewhat date the retirement is to become effective, if the effective date shall be \u003cbr\u003eafter his last day of service and subsequent to the filing of the notice at the \u003cbr\u003eretirement office. (b) Any member who begins participating on or after September 1, 2008, who has at least five (5) years of service credited under KRS 16.543(1), 61.543(1), or \u003cbr\u003e78.615(1) or another state-administered retirement system may retire at his or \u003cbr\u003eher normal retirement date, or subsequent thereto, upon written notification to \u003cbr\u003ethe system, setting forth what date the retirement is to become effective, if the \u003cbr\u003eeffective date shall be after his or her last day of service and subsequent to the \u003cbr\u003efiling of the notice at the retirement office. (2) The member shall have the right to elect to have his retirement allowance payable under subsection (3), (4), or (6) of this section or any one (1) of the plans set forth \u003cbr\u003ein KRS 61.635. (3) (a) Effective August 1, 1990, a member of the Kentucky State Police Retirement System may elect to receive an annual retirement allowance, payable monthly \u003cbr\u003eduring his lifetime, equal to two and five-tenths percent (2.5%) of final \u003cbr\u003ecompensation for each year of service credit. Effective August 1, 1988, a \u003cbr\u003emember of the County Employees Retirement System covered by this section \u003cbr\u003emay elect to receive an annual retirement allowance, payable monthly during \u003cbr\u003ehis lifetime, equal to two and five-tenths percent (2.5%) of final compensation \u003cbr\u003efor each year of service credit. Effective August 1, 1988, a member of the \u003cbr\u003eKentucky Employees Retirement System covered by this section may elect to \u003cbr\u003ereceive an annual retirement allowance, payable monthly during his lifetime, \u003cbr\u003eequal to two and forty-nine hundredths percent (2.49%) of final compensation \u003cbr\u003efor each year of service credit. The annual retirement allowance for a member \u003cbr\u003ecovered by this section shall not exceed the maximum benefit as set forth in \u003cbr\u003ethe Internal Revenue Code. (b) A member of the State Police Retirement System, a member of the Kentucky Employees Retirement System covered by this section, or a member of the \u003cbr\u003eCounty Employees Retirement System covered by this section, whose \u003cbr\u003eparticipation begins on or after September 1, 2008, shall receive an annual \u003cbr\u003eretirement allowance, payable monthly during his or her lifetime, equal to: \u003cbr\u003e1. One and three-tenths percent (1.3%) of final compensation for each year \u003cbr\u003eof service credit if the employee has earned ten (10) or less years of \u003cbr\u003eservice at retirement; 2. One and one-half percent (1.5%) of final compensation for each year of \u003cbr\u003eservice credit if the employee has earned greater than ten (10) but no \u003cbr\u003emore than twenty (20) years of service at retirement; 3. Two and one-quarter percent (2.25%) of final compensation for each \u003cbr\u003eyear of service credit if the employee has earned greater than twenty (20) \u003cbr\u003ebut less than twenty-five (25) years of service at retirement; or 4. Two and one-half percent (2.5%) of final compensation for each year of \u003cbr\u003eservice credit if the employee has earned twenty-five (25) or more years \u003cbr\u003eof service at retirement. (4) The member may elect to receive a monthly retirement allowance payable for ten (10) years certain, actuarially equivalent to the retirement allowance payable under \u003cbr\u003esubsection (3) of this section. If the member should become deceased prior to the \u003cbr\u003eexpiration of ten (10) years, his beneficiary, unless the beneficiary is the member's \u003cbr\u003eestate, shall receive the remaining payments monthly for the duration of the ten (10) \u003cbr\u003eyears. If the member's estate is the beneficiary, the member's estate shall receive a \u003cbr\u003elump-sum payment which shall be the actuarial equivalent to the remaining \u003cbr\u003epayments. The provisions of KRS 61.702 notwithstanding, the member who retired \u003cbr\u003eon June 17, 1978, or thereafter, and his spouse and eligible dependents shall \u003cbr\u003econtinue to receive the insurance benefits to which they are entitled pursuant to \u003cbr\u003eKRS 61.702 after the expiration of ten (10) years. Effective with any insurance \u003cbr\u003econtract procured, or self-insurance plan instituted, after July 15, 1990, a member \u003cbr\u003ewho retired prior to June 17, 1978, and his spouse and eligible dependents shall \u003cbr\u003ereceive insurance benefits pursuant to KRS 61.702 upon payment by the member or \u003cbr\u003ebeneficiary of the entire cost of the required insurance premium. (5) Notwithstanding any other provisions of this section, upon written notification to the system, a member shall have the option to defer his election to receive his \u003cbr\u003eretirement allowance. The retirement allowance payable under a deferred option \u003cbr\u003eshall be increased to reflect the deferred receipt of benefits. (6) In lieu of any other benefits due under KRS 16.505 to 16.652, a member who begins participating before September 1, 2008, who has attained age fifty-five (55) \u003cbr\u003eand who has attained at least one (1) month of service credit but no more than fifty-\u003cbr\u003enine (59) months of service credit may elect to receive an annual retirement \u003cbr\u003eallowance, payable monthly or less frequently as determined by the board, which \u003cbr\u003eshall be determined by multiplying his accumulated contributions by two (2) and \u003cbr\u003econverting this amount to an annual retirement allowance based on an annuity rate \u003cbr\u003eadopted by the board which would pay the actuarial equivalent of twice his \u003cbr\u003eaccumulated contributions over the lifetime of the retired member. Effective: June 25, 2009 \u003cbr\u003eHistory: Amended 2009 Ky. Acts ch. 77, sec. 5, effective June 25, 2009. -- Amended 2008 (1st Extra. Sess.) Ky. Acts ch. 1, sec. 8, effective June 27, 2008. -- Amended \u003cbr\u003e1996 Ky. Acts ch. 167, sec. 2, effective July 15, 1996. -- Amended 1994 Ky. 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