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A member’s start date with the City of Chicago determines that person’s “Tier” for the purpose of retirement benefits. A member who started working for the CPD prior to lớn January 1, 2011 is considered a “Tier 1” participant & a thành viên who started working for the CPD on or after January 1, 2011 is considered a “Tier 2” participant in the pension fund pursuant khổng lồ Article 5 of the Illinois Pension Code. Every sworn police officer employed by the CPD contributes 9% of his or her salary, including duty availability, khổng lồ the pension fund. This contribution is the same for both Tier 1 and Tier 2 members of the fund. The employee contribution is divided as follows:

7% for the employee annuity1.5% for the widow annuity0.5% for the annual increase in annuity

In addition, every sworn police officer contributes $2.50 per month to lớn defray the cost of the ordinary death benefit. 

The City of Chicago is required lớn contribute an actuarial determined amount khổng lồ the Fund that is equal lớn và no less than the normal cost to the Fund and is sufficient lớn bring the total assets of the Fund up to lớn 90% of the total actuarial liabilities of the Fund by the over of fiscal year 2055. Beginning in tax levy year 2020 the actuarial determined contribution is updated annually & is documented in the Fund’s annual actuarial report.

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Tier 1 members

A police officer who started working for the CPD prior to lớn January 1, 2011 is considered a “Tier 1” participant in the pension fund pursuant khổng lồ Article 5 of the Illinois Pension Code.


Tier 2 members

A police officer who started working for the CPD on or after January 1, 2011 is considered a “Tier 2” participant in the pension fund pursuant khổng lồ Article 5 of the Illinois Pension Code.


Monthly Retirement Annuity

Tier 2 participants who have withdrawn from service, reached age 50 or more, và have sầu 10 or more years of service, shall receive a Tier 2 Monthly Retirement Annuity. The calculation of a Monthly Retirement Annuity is equal to 2.5% of average salary for each year of service, subject lớn an annuity reduction factor of one-half of 1% for each month that the participant’s age at retirement is under age 55. The average salary is the highest 8 consecutive sầu years of salary of the last 10 years of service. This service is reduced by any lost time at date of withdrawal. Monthly retirement annuities shall not exceed 75% of average salary.For Tier 2 participants, the annual salary starting January 1, 2011 shall not exceed $106,800; however, that amount shall be increased annually by the lesser of 3% including all previous adjustments or 1⁄2 of the annual unadjusted percentage increase (but not less than zero) in the Consumer Price Index-All Urban Customers (CPI-U) for the 12 months ending with the September preceding each November 1st including all previous adjustments. The annual salary cap for 2021 is $116,740.42.

Automatic Annual Increase

The monthly annuity of a Tier 2 participant shall be increased on the January 1st occurring on or after the participant reaches age 60, or the 1st anniversary of the annuity start date. This annuity shall be increased each January 1st thereafter. Each annual increase shall be calculated at 3% or one-half of the annual unadjusted percentage increase (but not less than zero) in the consumer price index-u for the 12-month period ending with the September preceding each November 1, whichever is less, of the originally granted retirement annuity. If the annual unadjusted percentage change in the consumer price index-u decreases, then the annuity shall not be increased.
Active participants who served in the Armed Forces of the United States prior to employment with the CPD may be eligible to purchase up lớn 2 years of service credits, in 1 month increments, for pension purposes. Interest is charged khổng lồ purchase these credits. Please tương tác the Fund’s calculations group at benefits
tienhieptruyenky.com or 312-235-4597 for more information.

While on Leave sầu of Absence from CPD (40 ILCS 5/5 -212)

Active members are eligible khổng lồ apply for duty, occupational or ordinary disability benefits after their medical time expires và they are removed from the CPD payroll due to a medical leave of absence. While on disability, participants are treated as though they are still active sầu members for retirement & dependent annuity purposes pursuant lớn the Illinois Pension Code. When members begin receiving a disability benefit, they must comply with Board policies and statutory requirements related to the benefit. Failure lớn comply may result in suspension and/or termination of a disability benefit.

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Duty Disability

Duty disability may be awarded if a member becomes disabled as the result of an injury incurred in the performance of an act of duty. An act of duty is defined by statute as “any act of police duty inherently involving a special risk, not ordinarily assumed by a citizen in the ordinary walks of life…” It is important to lớn note that there is a distinction between becoming injured while in performance of an “act of duty” và becoming injured while at work. Not all injuries sustained in the ordinary course of a workday qualify as injuries occurring in the performance of an act of duty.A duty disability benefit award is 75% of the member’s salary at the time the disability is allowed unless the disability resulted from any physical defect or mental disorder or any disease which existed at the time the injury was sustained. In those cases, the duty disability benefit shall be limited khổng lồ 50% of the member’s salary. This benefit also entitles the thành viên lớn a child’s disability benefit of $100 per month for each natural or legally adopted, unmarried child under the age of 18 years old.If a thành viên is receiving a duty disability benefit & believes his or her disability is of such a nature as to render the thành viên totally disabled for any service of a remunerative character, that thành viên may apply for a total và permanent disability benefit. This benefit is 75% of the member’s salary at the time of removal from the police department payroll.The duty disability benefit award is tax-không lấy phí. Also, the City of Chicago will provide the member with không lấy phí medical insurance coverage from the time he or she is awarded disability benefits.Any officer in receipt of a duty disability benefit is eligible to receive sầu this benefit until such time he or she is found fit for duty, or until age 63 under the mandatory retirement rules of the department, at which time the officer would be eligible lớn apply for their pension.

Occupational Disease Disability

Occupational disease disability (heart) may be awarded to a member who has suffered a heart attaông xã or any other disabling heart disease. The thành viên must have at least 10 years of service in order to be eligible for this benefit. An occupational disease disability award is 65% of the member’s salary at the time the disability occurs. This benefit also entitles the recipient to a child’s disability benefit of $100 per month for each natural or legally adopted, unmarried child under the age of 18 years old.

The occupational disease disability benefit award is tax-không tính tiền. Also, the City of Chicago will provide the thành viên with miễn phí medical insurance coverage when he or she is awarded occupational disability benefits.

Participants receiving disability benefits shall be examined at least once a year, or longer periods as determined by the Board, by a Board appointed physician. However, the Board has the right khổng lồ request an examination of any disability participant as deemed necessary.

In cases where the Board requests an applicant khổng lồ get a second opinion, the applicant must select a physician from a danh mục of qualified licensed và practicing physicians who specialize in the various medical areas related to duty injuries và illnesses, as established by the Board. The Board may require other evidence of disability.

As part of the re-examination process, all disability participants who are working outside of CPD must submit a job mô tả tìm kiếm. When a disability ceases, the Board shall discontinue payment of the benefit.