How The Fund Works

Retired Death Benefit
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The Retired Death Benefit is an amount that is set aside at the time of retirement for use as a death benefit. The amount of the Retired Death Benefit is equal to your first year’s maximum annuity and is based solely on contributions to your Personal Account, YMCA Account and YMCA Account (Legacy). At the time you retire, you must designate your beneficiary(ies) for the Retired Death Benefit. You may change this selection at any time.

You are entitled to receive a Retired Death Benefit if you were enrolled in the Retirement Plan prior to January 1, 2019.

If you were age 55 or older on January 1, 2019, you may use up to 90 percent of this benefit to increase your own monthly annuity while you are still alive.

To learn more about your annuity options, click here.