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Deferred Retirement Option Plan (DROP)

The Deferred Retirement Option Plan (DROP) is an enhancement to your Fire and Police Pension Plan that can provide you with another way to save for your retirement years. It is an optional, voluntary program that allows you to work and receive pay and benefits as an active employee while accumulating service pension payments in a DROP account. You are considered "retired" for purposes of pension calculations only. For all other purposes, you are considered an active member of your respective department.

Who is eligible to participate in DROP?

You are eligible to enter DROP if you are in:

  • Tier 2 or Tier 4 and have at least 25 years of service, or
  • Tier 3 or Tier 5 and have at least 25 years of service and are at least age 50.

DROP is available to the following members of the Fire and Police Pension Plan, if all other eligibility requirements have been met:

  • Police Department: All members of the Police Department, except for the Chief of Police,
  • Fire Department: All members of the Fire Department, except for the Chief Engineer, or
  • Harbor Department: All members of the Harbor Department.

Note: On the day you enter DROP, you must be on active duty/working status, (includes light-duty).  If you are on a non-working status, (sick, IOD, vacation, accumulated time off, etc.) your intended effective date of DROP participation will be adjusted to reflect the date which you returned to active duty/working status.

How long may I participate in DROP? You may participate in DROP up to a maximum of 60 months (5 years).
How does DROP work?
  • While in DROP, your monthly pension payment is held with a guaranteed interest rate of 5% annually.
  • When you decide to leave the DROP program (after 1 day or up to 5 years maximum), you are required to terminate sworn employment with the Fire, Police or Harbor Department.
  • You will then begin to receive your service pension benefits on a monthly basis.
  • In addition, you may receive your accumulated DROP account balance in a lump-sum, rollover or combination lump-sum and rollover.
How can I enroll in DROP? Review our HOW TO: Enroll in DROP guide.
What happens once I enroll in DROP?

Once you are enrolled in DROP, you are considered "retired" for purposes of pension calculations only: no further service credit is earned. Your service accrual and all of your eligibility conditions are frozen on the date you enter DROP.

You must purchase prior service time, lost service time (Tier 2), Workers’ Compensation, State Rate Time or Academy Time (Tiers 3, 4, 5) prior to enrollment in DROP for that time to be counted toward your length of service. Purchase of time must be completed prior to enrollment in DROP.

How do I exit DROP and retire? Review our HOW TO: Exit DROP guide.
How can I review my account balance?

If you are enrolled in DROP, log on to your personal information and review your DROP account balance.

DROP Statements are available to participants on a semi-annual basis and can be viewed the first week of July and January.

Members who have recently entered DROP may not receive statements because their pension calculations may have not been finalized. Reasons for non-finalized calculations may include, but are not limited to, outstanding MOU approval and outstanding employing department verifications.

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