Common use of Insurance Benefits for Retirees Clause in Contracts

Insurance Benefits for Retirees. Unless otherwise specified, effective upon the execution of this Contract, or as soon thereafter as possible, the City shall provide and pay for the insurance for all retirees covered by this Contract in accordance with the following schedule: a. The City shall provide and pay for the entire cost of a ten thousand ($10,000.00) dollar paid-up Life Insurance policy for employees who retire after ten (10) years of service with the City. b. For employees retiring who were hired before 7/1/2013, the City agrees to pay one hundred (100%) percent of medical insurance premiums, including all riders provided for bargaining unit employees. In addition, the City agrees to pay fifty (50%) percent of medical insurance premiums, including all riders provided for the spouses of bargaining unit employees. The retiree will be required to pay, in advance, the remaining fifty (50%) percent of the cost of said spouse’s coverage. The City will continue to pay such premiums until the retiree and spouse become eligible for Medicare. The City will not pay the cost of such coverage for any employee retiring on a disability or deferred pension. c. For employees retiring who were hired by the City on or after 7/1/2013 are not eligible for retiree medical/dental insurance through the City of Norwich and the City will not pay for the cost of any insurance. d. For employees retiring who were hired before December 31, 2007, the City agrees to pay fifty (50%) percent of the cost of Major Medical benefits under a Supplemental Major Medical Expense Plan, individual coverage only, for those who have reached Medicare eligibility. The retiree will be required to pay, in advance, the remaining fifty (50%) percent of the cost of said coverage. The retiree shall have the option to purchase, at his/her expense, coverage for dependents through the City’s insurance policies (at group rates) providing the benefits are available through the City’s insurance provider. The City will not pay the cost of such coverage for any employee retiring on disability or deferred pension. e. For employees retiring who were hired after December 31, 2007, the City agrees to pay twenty-five (25%) percent of the cost of Major Medical benefits under a Supplemental Major Medical Expense Plan, individual coverage only, for those who have reached Medicare eligibility. The retiree will be required to pay, in advance, the remaining seventy-five (75%) percent of the cost of said coverage. The retiree shall have the option to purchase, at his/her expense, coverage for dependents through the City’s insurance policies (at group rates) providing the benefits are available through the City’s insurance provider. The City will not pay the cost of such coverage for any employee retiring on disability or deferred pension.

Insurance Benefits for Retirees. Unless otherwise specified, effective upon the execution of this ContractAgreement, or as soon thereafter as possiblepracticable, the City shall provide and pay for the insurance for all retirees covered by this Contract Agreement in accordance with the following schedule: a. A. The City shall provide and pay for the entire cost of a ten thousand ($10,000.00) dollar paid-up Life Insurance life insurance policy for those employees who retire on or after ten (10) years of service with July 1, 2001 and who take a normal retirement from the City. The City will not pay for the cost of such coverage for any employee retiring on a disability pension. b. For employees retiring who were hired before 7/1/2013B. Effective October 9, 2013, the City agrees to pay one hundred (100%) percent of the medical insurance premiumscost for such retiree and fifty (50%) percent of such coverage for said retiree’s spouse, including all riders provided for bargaining unit employees. In addition, so long as the City agrees to pay fifty (50%) percent of medical insurance premiums, including all riders provided for the spouses of bargaining unit employees. The retiree will be required to pay, in advance, the remaining fifty (50%) percent of the cost of said spouse’s coveragesame are available. The City will continue to pay such premiums cost until the retiree and spouse become eligible for Medicarereach Medicare age. The City will not pay for the cost of such coverage for any employee retiring on a disability or deferred pension. c. For C. Any employee retiring after January 1, 2017 who is eligible for retiree group health insurance coverage under Section 4B of this Article 16, may elect to utilize the PPO Plan summarized in Appendix B instead of the HDHP Plan during their retirement until such time as they reach Medicare age. D. Notwithstanding the aforesaid, those employees retiring who were hired by the City retire on or after 7/1/2013 are not eligible for retiree medicalJuly 1, 2001, shall pay the following cost toward the medical insurance premiums provided in Section 4(B) above: Single Coverage: $18.68/dental insurance through month Two Person Coverage: $38.91/month Family Coverage: $49.79/month E. It is mutually understood and agreed that said amount shall be deducted on a monthly basis from the City of Norwich and retirees’ pension payments. Further, the City will not pay for the cost of any insurance. d. For employees retiring who were hired before December 31, 2007, the City agrees continue to pay fifty (50%) percent that portion of the cost of Major Medical benefits under a Supplemental Major Medical Expense Plan, individual coverage only, medical insurance premiums for those who have reached Medicare eligibility. The retiree will be required to pay, spouses of retirees specified heretofore in advance, the remaining fifty (50%) percent of the cost of said coverage. The retiree shall have the option to purchase, at his/her expense, coverage for dependents through the City’s insurance policies (at group rates) providing the benefits are available through the City’s insurance providerthis Article. The City will not pay for the cost of such coverage for any employee retiring on a disability or deferred pension. e. F. For employees retiring who were hired on or after December 31July 1, 20072013 and prior to January 1, 2017, the City employee agrees to pay twenty-five one (251%) percent of their earnings toward Other Post-Employment Benefits (OPEB) for the cost first five (5) years of Major Medical benefits under a Supplemental Major Medical Expense Plan, individual coverage only, for those who have reached Medicare eligibilityemployment. The retiree deduction will begin upon employment, is non- refundable, and deducted on an after tax basis. G. Employees hired after January 1, 2017 shall be required required, upon completion of probation, to pay, in advance, the remaining seventy-five contribute one (751.0%) percent of the cost earnings per pay period to OPEB. Within thirty (30) days of said coveragecompletion of probation, employees may elect to waive medical insurance in retirement and thereby not be mandated to contribute one (1.0%) percent to OPEB. The retiree shall have the option to purchase, Waiving medical insurance for retirement is final and cannot be changed at his/her expense, coverage for dependents through the City’s insurance policies (any time. OPEB contributions are post-tax and non-refundable under any circumstance. Notice of this will be given at group rates) providing the benefits are available through the City’s insurance provider. The City will not pay the cost of such coverage for any employee retiring on disability or deferred pensionorientation.

Insurance Benefits for Retirees. Unless otherwise specified(1) Employees hired before December 11, 2017 hereinafter referred to in this Section as “Pre-2017 Employees”). Pre- 2017 Employees whose effective upon date of retirement is on or after April 22, 2013 shall be eligible to purchase health insurance coverage through the execution City. Said retiree health insurance coverage shall be the same health insurance coverage that is offered to active employees as that coverage may change from time to time through negotiations. Pre-2017 Employees who retire after 20 years of this Contractservice (or 25 years for those hired into the bargaining unit after October 1, or 1997 as soon thereafter as possibleper Section 3.5D (6)) shall be eligible for the following retiree health benefits: (1) Beginning when the retiree reaches his/her 55th birthday, the City shall provide and will pay for $50.00 per month towards the insurance for all retirees covered by this Contract in accordance with the following schedule: a. The City shall provide and pay for the entire cost of a ten thousand ($10,000.00) dollar paid-up Life Insurance policy for employees who retire after ten (10) years of service with the Cityhealth insurance until the retiree reaches age 62. b. For employees retiring who were hired before 7/1/2013(2) Thereafter, beginning the first month following the retiree’s 62nd birthday, the City agrees to will pay one hundred (100%) percent the full cost of medical insurance premiums, including all riders provided for bargaining unit employees. In addition, the City agrees Health Plan (excluding dental) until the retiree reaches age 65. (3) Employees who wish to pay fifty (50%) percent withdraw from the health insurance coverage available under Subsections A and B above may re-enroll at any time thereafter up to age 64 years and 6 months in the health insurance plan available at the date of medical re- enrollment provided they submit evidence of insurability for themselves and any qualified dependents and are found insurable by the insurance premiums, including all riders provided for the spouses of bargaining unit employeescarriers. The retiree Retirees who re-enroll prior to age 62 will be required to pay, in advancepay the full costs of the health insurance plans from the date of re-enrollment to age 62. At age 62, the remaining fifty (50%) percent costs of the cost of said spouse’s coverage. The City health insurance plans (but not dental) will continue to pay such premiums until the retiree and spouse become eligible for Medicare. The City will not pay the cost of such coverage for any employee retiring on a disability or deferred pension. c. For employees retiring who were hired be paid by the City as provided for in Subsection G (2) above. Notwithstanding anything herein to the contrary, Pre-2017 Employees who retire on or after 7/1/2013 are December 11, 2017 shall not be eligible for retiree medical/dental insurance through the City of Norwich and the City will not pay for the cost of any insurance. d. For employees retiring who were hired before December 31, 2007, the City agrees to pay fifty (50%) percent of the cost of Major Medical benefits under a Supplemental Major Medical Expense Plan, individual coverage only, for those who have reached Medicare eligibility. The retiree will be required to pay, in advance, the remaining fifty (50%) percent of the cost of said coverage. The retiree shall have the option to purchase, at his/her expense, coverage for dependents through purchase or otherwise remain on the City’s health insurance policies plan once the employee reaches age sixty-five (at group rates) providing 65). Any enrolled spouse may continue to purchase the benefits are available through plan until he or she reaches age sixty-five (65), and any eligible and enrolled dependents may continue to purchase the City’s health insurance provider. The City will not pay the cost of such coverage for any employee retiring on disability or deferred pensionplan as provided under state and federal law. e. For employees retiring who were hired after December 31, 2007, the City agrees to pay twenty-five (25%) percent of the cost of Major Medical benefits under a Supplemental Major Medical Expense Plan, individual coverage only, for those who have reached Medicare eligibility. The retiree will be required to pay, in advance, the remaining seventy-five (75%) percent of the cost of said coverage. The retiree shall have the option to purchase, at his/her expense, coverage for dependents through the City’s insurance policies (at group rates) providing the benefits are available through the City’s insurance provider. The City will not pay the cost of such coverage for any employee retiring on disability or deferred pension.

Insurance Benefits for Retirees. Unless otherwise specified, effective upon the execution of this Contract, or as soon thereafter as possible, the City shall provide and pay for the insurance for all retirees covered by this Contract in accordance with the following schedule: a. The City shall provide and pay for the entire cost of a ten thousand ($10,000.00) dollar paid-up Life Insurance policy for employees who retire after ten (10) years of service with the City. b. For employees retiring who were hired before 7/1/2013July 1, 2008, the City agrees to pay one hundred (100%) percent of medical insurance premiumscosts, including all riders provided for bargaining unit employees. In addition, the City agrees to pay fifty (50%) percent of medical insurance premiumscosts, including all riders provided for the spouses of bargaining unit employees. The retiree will be required to pay, in advance, the remaining fifty (50%) percent of the cost of said spouse’s coverage. The City will continue to pay such premiums costs until the retiree and spouse become eligible for Medicare. The City will not pay the cost of such coverage for any employee retiring on a disability or deferred pension. c. For employees retiring who were hired by the City on or after 7/1/2013 are not eligible for retiree medical/dental insurance through July 1, 2008, and prior to February 1, 2013 the City agrees to pay fifty percent (50%) of Norwich medical insurance premiums, including all riders provided for bargaining unit employees. In addition, the City agrees to pay twenty-five percent (25%) of medical insurance premiums, including all riders provided, for the spouses of the bargaining unit employees. The employee will be required to pay, in advance, the remaining fifty (50%) percent of the cost of the employee’s coverage and the remaining 75% of the spouse’s coverage. The City will continue to pay such premiums until the retiree and spouse reach Medicare eligibility age. The City will not pay for the cost of such coverage for any insuranceemployee retiring on a disability or deferred pension. d. Employees hired prior to 2/1/2013, who are eligible for retiree group health insurance coverage, may elect to utilize the PPO Plan summarized in Appendix B instead of the HDHP w/HSA during their retirement until such time as they reach Medicare age. e. For employees retiring who were hired before December 31, 2007retiring, the City agrees to pay fifty (50%) percent of the cost of Major Medical benefits under a Supplemental Major Medical Expense Plan, individual coverage only, for those retirees who have reached Medicare eligibility. The retiree will be required to pay, in advance, the remaining fifty (50%) percent of the cost of said coverage. The retiree shall have the option to purchase, at his/her expense, coverage for Medicare-eligible dependents through the City’s insurance policies (at group rates) providing the benefits are available through the City’s insurance provider. The City will not pay the cost of such coverage for any employee retiring on disability or deferred pension. e. f. For employees retiring who were retiring, hired on or after December 31February 1, 20072013, the City agrees are not eligible to pay twenty-five (25%) percent of the cost of Major Medical benefits under a Supplemental Major Medical Expense Plan, individual coverage only, for those who have reached Medicare eligibility. The receive retiree will be required to pay, in advance, the remaining seventy-five (75%) percent of the cost of said coverage. The retiree shall have the option to purchase, at hismedical/her expense, coverage for dependents through dental insurance provided by the City’s insurance policies (at group rates) providing the benefits are available through the City’s insurance provider. The City will not pay the cost of such coverage for any employee retiring on disability or deferred pension.

Insurance Benefits for Retirees. Unless otherwise specified(a) Effective July 1, 1994 the City will contribute two hundred dollars ($200) per month toward the cost of health care coverage for retirees, the retiree’s spouse and/or eligible dependents for identical insurance benefits as outlined in this Section (3.5) under the City’s insurance plan, for those employees who retire after this date. (b) Effective July 1, 2005 the City will contribute the actual cost to a maximum of five hundred dollars ($500) per month toward the cost of health care coverage for retirees, the retiree’s spouse and/or eligible dependents for identical insurance benefits as outlined in this Section (3.5) under the City’s insurance plan, for those employees who retire on or after July 1, 2004. (c) Employees hired before July 1, 2012 and whose effective date of retirement is on or after the approval of the 2010-2016 Agreement shall be eligible to purchase health insurance coverage through the City. Said retiree health insurance coverage shall be the same health insurance coverage that is offered to active employees as that coverage may change from time to time through negotiations. Notwithstanding the paragraph below, the cost of the health insurance coverage shall be based on the City’s group rates and shall be paid by the retiree through a pension deduction. The City will contribute the actual cost up to a maximum of five hundred dollars ($500) per month toward the cost of health insurance cover for retirees, the retiree’s spouse and/or eligible dependents. (d) The payments in Paragraphs (a), (b) and (c) above will apply only toward the purchase of the City health insurance coverage and will continue for as long as the retiree receives a City pension that exceeds the insurance benefit provided herein, or until age sixty-five (65), whichever occurs first. The payments shall be applied as an offset against insurance payments made by pension deduction. (e) Employees hired on or after July 1, 2012 (hereinafter, “Post July 1, 2012 employees”) shall not be eligible for the retiree health insurance coverage outlined in Paragraphs (a) through (d) above of this Section. Post July 1, 2012 employees shall be eligible upon retirement to purchase health insurance coverage through the City at the rate used to determine the equivalent monthly premium for active employees at the time of their retirement minus the employee’s health insurance contribution. This rate is applicable to the purchase of the City health insurance plan only and will remain unchanged until age sixty-five (65), provided that the retiree continues to receive a City pension that exceeds the health insurance benefit provided herein. Said health insurance coverage shall be the same health insurance coverage that is offered to active employees as that coverage may change from time to time through negotiations. The City will make no additional health care contribution toward these benefits. (f) Effective upon the execution approval of this Contractthe 2010-2016 Agreement, or employees hired before July 1, 2012 may elect to participate in the retiree health insurance coverage provided to Post July 1, 2012 employees as soon thereafter as possibleoutlined in Paragraph (e) above, provided the City employee makes an additional one and one-half percent (1.5%) contribution to the Pension Fund. This additional pension contribution shall provide only be due and pay payable from the date the employee elects to participate in the Post July 1, 2012 retiree health insurance coverage (shall apply prospectively only). Said election must be made by July 1, 2012 for Pre-July 1999 employees and September 1, 2012 for Post July 1999 employees and is irrevocable. (g) The payments and rates outlined in Paragraphs (a) through (f) above will apply to retirees in the insurance for all retirees covered categories specified above who are receiving pensions approved by this Contract the Pension Commission in accordance with the following schedule:definitions and requirements of the Municipal Employee’s Retirement Fund whether the pensioner is retired under MERF or the Police Benefit Fund. a. The City shall provide and pay for the entire cost of a ten thousand ($10,000.00h) dollar paid-up Life Insurance policy for employees Employees who retire after ten (10) years the approval of service with the 2010-2016 Agreement shall not be allowed to purchase or otherwise remain on the City’s health insurance plan once the retiree or his or her spouse reaches age sixty- five (65). Any eligible spouse shall continue to receive health insurance coverage up to age sixty-age (65). Any eligible dependents shall continue to receive health insurance as provided by both state and federal mandates or to a minimum of age nineteen (19) or age twenty-four (24), if qualified. b. For employees retiring who were hired before 7/1/2013, the City agrees to pay one hundred (100%i) percent of medical insurance premiums, including all riders provided for bargaining unit employees. In addition, the City agrees to pay fifty (50%) percent of medical insurance premiums, including all riders provided for the spouses of bargaining unit employees. The retiree will be required to pay, in advance, the remaining fifty (50%) percent of the cost of said spouse’s coverage. The City will continue to pay such premiums until the provide a Group Life Insurance benefit of Six Thousand Dollars ($6,000) for each retiree and spouse become eligible for Medicare. The City will not pay the cost of such coverage for any employee retiring on a disability or deferred pensionwho retires after July 1, 1988. c. For employees retiring (j) Employees who were hired by retire and who wish to drop the City on or after 7/1/2013 are not eligible for retiree medical/dental insurance health insurances available through the City may re-enroll in the insurance plan available at a later date provided they submit evidence of Norwich insurability for themselves and any qualified dependents and are found insurable by the City will not pay for the cost of any insuranceinsurance carriers. d. For employees retiring who were hired before December 31, 2007, the City agrees to pay fifty (50%) percent of the cost of Major Medical benefits under a Supplemental Major Medical Expense Plan, individual coverage only, for those who have reached Medicare eligibility. The retiree will be required to pay, in advance, the remaining fifty (50%) percent of the cost of said coverage. The retiree shall have the option to purchase, at his/her expense, coverage for dependents through the City’s insurance policies (at group rates) providing the benefits are available through the City’s insurance provider. The City will not pay the cost of such coverage for any employee retiring on disability or deferred pension. e. For employees retiring who were hired after December 31, 2007, the City agrees to pay twenty-five (25%) percent of the cost of Major Medical benefits under a Supplemental Major Medical Expense Plan, individual coverage only, for those who have reached Medicare eligibility. The retiree will be required to pay, in advance, the remaining seventy-five (75%) percent of the cost of said coverage. The retiree shall have the option to purchase, at his/her expense, coverage for dependents through the City’s insurance policies (at group rates) providing the benefits are available through the City’s insurance provider. The City will not pay the cost of such coverage for any employee retiring on disability or deferred pension.

Insurance Benefits for Retirees. Unless otherwise specified, effective upon the execution of this ContractAgreement, or as soon thereafter as possiblepracticable, the City shall provide and pay for the insurance for all retirees covered by this Contract Agreement in accordance with the following schedule: a. A. The City shall provide and pay for the entire cost of a ten thousand ($10,000.00) dollar paid-up Life Insurance life insurance policy for those employees who retire on or after ten (10) years of service with July 1, 2001 and who take a normal retirement from the City. The City will not pay for the cost of such coverage for any employee retiring on a disability pension. b. For employees retiring who were hired before 7/1/2013B. Effective October 9, 2013, the City agrees to pay one hundred (100%) percent of the medical insurance premiumscost for such retiree and fifty (50%) percent of such coverage for said retiree’s spouse, including all riders provided for bargaining unit employees. In addition, so long as the City agrees to pay fifty (50%) percent of medical insurance premiums, including all riders provided for the spouses of bargaining unit employees. The retiree will be required to pay, in advance, the remaining fifty (50%) percent of the cost of said spouse’s coveragesame are available. The City will continue to pay such premiums cost until the retiree and spouse become eligible for Medicarereach Medicare age. The City will not pay for the cost of such coverage for any employee retiring on a disability or deferred pension. c. For C. Any employee retiring after January 1, 2017 who is eligible for retiree group health insurance coverage under Section 4B of this Article 17, may elect to utilize the PPO Plan summarized in Appendix B instead of the HDHP Plan during their retirement until such time as they reach Medicare age. D. Notwithstanding the aforesaid, those employees retiring who were hired by the City retire on or after 7/1/2013 are not eligible for retiree medicalJuly 1, 2001, shall pay the following cost toward the medical insurance premiums provided in Section 4(B) above: Single Coverage: $18.68/dental insurance through month Two Person Coverage: $38.91/month Family Coverage: $49.79/month E. It is mutually understood and agreed that said amount shall be deducted on a monthly basis from the City of Norwich and retirees’ pension payments. Further, the City will not pay for the cost of any insurance. d. For employees retiring who were hired before December 31, 2007, the City agrees continue to pay fifty (50%) percent that portion of the cost of Major Medical benefits under a Supplemental Major Medical Expense Plan, individual coverage only, medical insurance premiums for those who have reached Medicare eligibility. The retiree will be required to pay, spouses of retirees specified heretofore in advance, the remaining fifty (50%) percent of the cost of said coverage. The retiree shall have the option to purchase, at his/her expense, coverage for dependents through the City’s insurance policies (at group rates) providing the benefits are available through the City’s insurance providerthis Article. The City will not pay for the cost of such coverage for any employee retiring on a disability or deferred pension. e. F. For employees retiring who were hired on or after December 31July 1, 20072013 and prior to January 1, 2017, the City employee agrees to pay twenty-five one (251%) percent of their earnings toward Other Post-Employment Benefits (OPEB) for the cost first five (5) years of Major Medical benefits under a Supplemental Major Medical Expense Plan, individual coverage only, for those who have reached Medicare eligibilityemployment. The retiree deduction will begin upon employment, is non-refundable, and deducted on an after tax basis. G. Employees hired after January 1, 2017 shall be required required, upon completion of probation, to pay, in advance, the remaining seventy-five contribute one (751.0%) percent of earnings per pay period to OPEB. Within thirty (30) days of completion of probation, employees may elect to waive medical insurance in retirement and thereby not be mandated to contribute one (1.0%) percent to OPEB. Waiving medical insurance for retirement is final and cannot be changed at any time. OPEB contributions are post-tax and non-refundable under any circumstance. Notice of this will be given at employee orientation. H. Notwithstanding the cost of said coverage. The retiree shall have the option to purchaseaforementioned, at his/her expense, coverage for dependents through employees hired on or after 7/1/2021 who retire from the City’s , shall not be eligible for medical or dental insurance policies (at group rates) providing the benefits are available through the City’s insurance provider. The City will not pay the cost of such coverage for any employee retiring on disability or deferred pensionin retirement.

Insurance Benefits for Retirees. Unless otherwise specified, effective upon the execution of this Contract, or as soon thereafter as possible, the City shall provide and pay for the insurance for all retirees covered by this Contract in accordance with the following schedule: a. The City shall provide and pay for the entire cost of a ten thousand ($10,000.00) dollar paid-up Life Insurance policy for employees who retire after ten (10) years of service with the City. b. For employees retiring who were hired before 7/1/2013, the City agrees to pay one hundred (100%) percent of medical insurance premiums, including all riders provided for bargaining unit employees. In addition, the City agrees to pay fifty (50%) percent of medical insurance premiums, including all riders provided for the spouses of bargaining unit employees. The retiree will be required to pay, in advance, the remaining fifty (50%) percent of the cost of said spouse’s coverage. The City will continue to pay such premiums until the retiree and spouse become eligible for Medicare. The City will not pay the cost of such coverage for any employee retiring on a disability or deferred pension. c. For employees retiring who were hired by the City on or after 7/1/2013 are not eligible for retiree medical/dental insurance through the City of Norwich and the City will not pay for the cost of any insurance. d. For employees retiring who were hired before December 31, 2007, the City agrees to pay fifty (50%) percent of the cost of Major Medical benefits under a Supplemental Major Medical Expense Plan, individual coverage only, for those who have reached Medicare eligibility. The retiree will be required to pay, in advance, the remaining fifty (50%) percent of the cost of said coverage. The retiree shall have the option to purchase, at his/her expense, coverage for dependents through the City’s insurance policies (at group rates) providing the benefits are available through the City’s insurance provider. The City will not pay the cost of such coverage for any employee retiring on disability or deferred pension. e. For employees retiring who were hired after December 31, 2007, the City agrees to pay twenty-five percent (25%) percent of the cost of Major Medical benefits under a Supplemental Major Medical Expense Plan, individual coverage only, for those who have reached Medicare eligibility. The retiree will be required to pay, in advance, the remaining seventy-five percent (75%) percent of the cost of said coverage. The retiree shall have the option to purchase, at his/her expense, coverage for dependents through the City’s insurance policies (at group rates) providing the benefits are available through the City’s insurance provider. The City will not pay the cost of such coverage for any employee retiring on disability or deferred pension.