Sec. 45a-43. (Formerly Sec. 45-29j). Husband and wife retirement income option.
Sec. 45a-43. (Formerly Sec. 45-29j). Husband and wife retirement income option. (a) Except as provided in subsection (d) of this section and subdivision (5) of this
subsection, each married member shall, subject to regulations issued by the Retirement
Commission, make an election in accordance with subsections (d) and (e) of this section
to receive a reduced retirement allowance with the provision that the reduced retirement
allowance, or such part which is specified by such person in his notice of election, shall
be continued after his death to his spouse named in the election for as long as his spouse
lives. The reduced retirement allowance shall be in an amount which the Retirement
Commission determines to be the actuarial equivalent of the retirement allowance that
would have been payable had not the election been made. A member may elect to receive
his retirement allowance in accordance with any of the following options: (1) A reduced
amount payable to the member for his lifetime with the provision that after his death
his spouse, if surviving, shall be entitled to receive a lifetime income equal to fifty per
cent of the reduced monthly amount payable to the member; (2) a reduced amount
payable to the member for his lifetime with the provision that after his death his contingent annuitant shall be entitled to receive a lifetime income equal to either fifty or one
hundred per cent of the reduced amount payable to the member; (3) a reduced amount
payable to the member for his lifetime with the provision that if he shall die within
either a ten or twenty-year period following the date his retirement income commences,
whichever is selected by the member, the reduced amount continues to his contingent
annuitant for the balance of the ten or twenty-year period; (4) an amount payable to the
member for his lifetime with no payments continuing after the member's death, except
for a lump sum death benefit equal to the member's retirement contributions plus interest
reduced by the federal tax exclusion ratio times the income payments made to the member from the fund; or (5) for judges eligible for retirement benefits under section 45a-36a, an unreduced amount payable to the member for his lifetime with the provision
that after his death his spouse, if surviving, shall be entitled to receive a lifetime income
equal to fifty per cent of the unreduced monthly amount payable to the member. If a
member who has been married for one year dies before retirement but after completion
of the age and service requirements that would permit him to retire upon his own application, the retirement allowance shall be payable to his spouse commencing at his death,
in accordance with regulations to be established by the Retirement Commission.
(b) Except as provided in subsection (c) of this section, if any member who has not
exercised his option under subsection (a) of this section dies after January 1, 1968, and
before his retirement income payments begin but after completion of the age and service
requirements that would permit him to retire on his own application, and he is survived
by a spouse, a retirement income shall be paid monthly to his spouse, commencing at
his death and ending upon the death of the spouse. The amount payable shall be the
average of (1) fifty per cent of the retirement allowance payable to the member for his
lifetime if no payments were to continue after the member's death and (2) fifty per cent
of the reduced retirement allowance that such member would have received if he had
retired on the date of his death with the provision that after his death his spouse would
receive one-half of the amount payable to the member.
(c) The surviving spouse of (1) a judge or employee whose separation from service
occurred before July 1, 1979, but after December 31, 1966, and (2) whose years of
credited service at separation totalled, in the case of a judge, ten or more but less than
twelve years, and in the case of an employee, ten or more but less than twenty years,
(3) who has not elected or who did not have in effect at his death the option provided
for in subsection (a) of this section, and (4) who died after January 1, 1968, and on or
before July 1, 1979, and before his retirement income payments began, shall receive a
retirement income, retroactive to the date of his death or January 1, 1979, whichever is
later. Such payments shall be paid monthly in accordance with the regulations of the
State Retirement Commission to such spouse, as if such judge or employee had exercised
an option under subsection (a) to provide an amount equal to one-third of the retirement
allowance that such judge or employee would have received if he had retired on the date
of his death. Such payment shall continue until such spouse remarries or dies.
(d) Each married member shall be presumed to have made the election provided
for in subsection (a) of this section for continuation to his surviving spouse of an amount
equal to fifty per cent of his reduced retirement allowance provided (1) each such member may elect at any time prior to retirement to waive the retirement income option
provided by subsection (a) of this section or may revoke any such election at any time
prior to retirement, and (2) the election meets the requirements of subsection (e) of this
section.
(e) The election under subsection (d) of this section to waive the retirement income
option provided by subsection (a) of this section shall not take effect unless (1) the
spouse of the member consents, in writing, to such election, and the spouse's consent
acknowledges the effect of such election and is witnessed by a plan representative or a
notary public, or (2) it is established to the satisfaction of the Retirement Commission
that the consent required under subdivision (1) of this subsection may not be obtained
because there is no spouse, because the spouse cannot be located, or because of such
other circumstances as the commission may by regulations prescribe. Any consent by
a spouse, or establishment that the consent of a spouse may not be obtained under this
subdivision, shall be effective only with respect to such spouse.
(1967, P.A. 558, S. 35; 1972, P.A. 244, S. 8; P.A. 79-454, S. 8, 12; P.A. 80-476, S. 45; P.A. 88-155, S. 3; 88-364, S.
114, 123; P.A. 97-87, S. 4.)
History: 1972 act added Subsec. (b) re payment of benefits to surviving spouse; P.A. 79-454 added Subsec. (c); P.A.
80-476 rephrased provisions; P.A. 88-155 amended Subsec. (a) to provide that each married member shall make an election
in accordance with Subsecs. (d) and (e) and added provision re election of retirement options and benefits to spouse of
member who has been married for one year who dies before retirement, amended Subsec. (b) to provide that benefits to
surviving spouse shall be the average of 50% of retirement allowance payable to member and 50% of reduced retirement
allowance, and added Subsecs. (d) and (e) re election of married member and prerequisites of waiver of election; P.A. 88-364 changed calculation of lump sum death benefit under Subsec. (a)(4) by deleting reference to provisions of Sec. 5-168
and substituting benefit equal to the member's retirement contributions plus interest reduced by the federal tax exclusion
ratio times the income payments made to the member from the fund; Sec. 45-29j transferred to Sec. 45a-43 in 1991; P.A.
97-87 amended Subsec. (a) by adding exception of Subdiv. (5) and added new Subdiv. (5) re unreduced amount payable
to member and lifetime income of 50% of such amount to surviving spouse for judges eligible for retirement benefits under
Sec. 45a-36a.
Annotation to former section 45-29j:
Primary standards relating to duties of retirement commission are adequate. 157 C. 150.