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Ip for purposes of paragraph (d)(1)(ii) of this section if and only if it is made on account of the hardship. For purposes of this rule, a distribution is made on account of hardship only if the distribution both is made on account of an immediate and heavy financial need of the employee and is necessary to satisfy the financial need. The determination of the existence of an immediate and heavy financial need and of the amount necessary to meet the need must be made in accordance with nondiscrim.
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QMACs FAQ
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VCERA is a multi-employer, defined benefit, public pension plan qualified under Section 401(a) of the Internal Revenue Code to administer this lifelong benefit. VCERA provides its eligible members with pension payments that are calculated based on a formula “defined” by law, not on your retirement contributions.
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TYPES OF PENSION PLANS There are three major types of retirement plans in the public sector: defined benefit (DB), defined contribution (DC), and hybrid plans.
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CalPERS offers a defined benefit plan where retirement benefits are based on a formula, rather than contributions and earnings to a savings plan. Retirement benefits are calculated based on a member's years of service credit, age at retirement, and final compensation (average salary for a defined period of employment).
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However, if you invest in assets that can yield greater returns, you have a higher risk of losses. With a lump sum, there is no guarantee the money will last a lifetime. A regular pension payment will last until you die.
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The Ventura County Health Care Plan (VCHCP) is a service oriented, County sponsored Health Maintenance Organization (HMO) that offers an extensive range of benefits and low out-of-pocket expenses.
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This type of plan is one an employer offers its employees and promises them a certain monthly income during retirement. The monthly benefit each employee is promised is based on their years of service with the company and their salary during those years.
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