How The Fund Works

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Retired Death Benefit
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The Retired Death Benefit is an ancillary benefit granted by the Fund when you annuitize your account(s) in the Retirement Plan.

The total Retired Death Benefit is equal to the amount you would receive in your first year of retirement from the Maximum Single Life annuity, based solely on the basic plan accounts [the Personal Account, YMCA Account, YMCA Account (Legacy)].

In the event of your death, this Retired Death Benefit will be paid to your beneficiary(ies).

If you will be age 55 or older on January 1, 2019, you may use up to 90% of this benefit to increase your monthly annuity, leaving the remainder to your beneficiary(ies). If you will be younger than age 55 on January 1, 2019, you must leave the entire benefit to your beneficiary(ies).

To learn more about your annuity options, click here.