Updated 05/21/17

Healthcare Info OP&F Meeting 05/17/17


Retirement Information for Potential Retirees.

Retirement Considerations Columbus Fire

Retirement Considerations  for all departments

Stress Considerations in Retirement



Download a copy of the Pickle Jar & Survivors List here:

2016 Pickle Jar & Survivors list
How to Write a Obituary.pdf



4 Unit Benefits Report, February 1, 2017

The Fund closed at $14.6 Billion on January 24, 2017.

Director Gallagher commented that the OP&F Pension Fund is celebrating its 50th anniversary this month. More information about the history and anniversary can be seen on the Fund’s website at www.op-f.org under the
“Members” tab.

Additionally, he said that the Board’s March retreat is scheduled for March 2nd and it will be held at the Creekside Conference and Event Center from 9am-4:30pm. More information and the agenda will be posted to the Fund’s website. A large portion of the day will be spent dealing with the health care plan.


  • There were 17 Initial Determination Hearings (IDH) this month. The recommendations were (14) for approval, (2) were denied and (1) was postponed for additional information. There was (1) reconsideration hearing this month and the recommendation was for no change.
  • There were (2) Death Benefit Fund consideration hearings this month and both were approved.
  • There were (0) appeal hearings this month.
  • The committee reviewed the Annual Mandatory Disability Experience Report by Employer for 2016 and approved forwarding it to the appropriate legislative branches.
  • Staff presented the 4th Quarter Disability Experience Report.


  • Staff presented the 4th quarter DROP Experience Report. At year’s end there were 3,988 DROP participants. An additional 459 members are eligible to enter DROP, but they have elected not to participate at thie time. 1,879 of those participating have less than 3 years in DROP. The average time in DROP at termination remained fairly consistent at 5.58 years.
  • Administrative Rule 742-3-08 (Interim Payments) was reviewed subject to the 5-year rule review requirement. Other than some wording changes to make it consistent with statutory language no other changes were made. The committee recommended approval of the changes.



  • Staff and the board members commented about receiving calls from members related to the health care plan changes that became effective at the beginning of the year. There was significant discussion about the future of the health care plan and the rising costs of drugs and co-pays affecting all of our members.
  • Trustee Deighton requested that the Fund’s next newsletter remind members about the AARP premium increases that will be effective in Ohio beginning on April 1st.


Members are always welcome to attend the Fund’s board meetings as well as the retreat that will be held on March 2nd. Most of the day will be spent discussing the future of the pension fund’s health care plan. We anticipate that substantive changes will have to be made in order to subsidize coverage for our members at some level.

The next board meeting is scheduled for February 21-22.

Report compiled by: Gary Siniff,4 Unit Benefits Chairman


Host Committee Listing

The HOST committee is available to help in the post death planning for next of kin.
Seated: Gary Siniff
Standing: Bob Keefer, Bernie & Jeanne Nance,  Charlie Burkhart, Rick Niemann
Not Shown: Tom Christ and Frank Henderson





OP&F Health Care Rates
Members on Medicare A&B must get medical coverage rates from UHC/AARP


Non-Medicare Eligible                                     Non-AARP Eligible Prem Rates

PRE 7/86 Ret        2016        2017         CHG          2016      2017      CHG

BEN REC              $219.26    $226.28   $7.02          $71.06   $73.34    $2.28

SPOUSE                $290.30    $299.60   $9.30          $119.80  $123.64  $3.84

CHILD                   $151.73    $156.58   $4.85          $119.80  $123.64  $3.84

POST 7/86 Ret

BEN REC               $219.26     $226.28  $7.02           $71.06    $73.34    $2.28

SPOUSE                 $435.46     $449.39  $13.93         $179.70   $185.45  $5.75

CHILD                    $227.59    $234.88   $7.29           $179.70  $185.45   $5.75


Prescription Premium Rates

PRE 7/86 Retirement 2016 2017 CHANGE
BEN REC $70.23 $74.30 $4.07
SPOUSE $132.31 $139.99 $7.68
CHILD $39.33 $41.61 $2.28
POST 7/86 Retirement      
BEN REC $70.23 $74.30 $4.07
SPOUSE $198.47 $209.99 $11.52
CHILD $59.00 $62.41 $3.41


2017 Retail Co-Pays               2017 Mail Co-pays

Tier One $15.00                            Tier One $30.00

Tier Two $50.00                           Tier Two $100.00

Tier Three $70.00                        Tier Three $140.00

Tier Four 50% up to $300.00    Tier Four 50% up to $600.00

Yearly max out pocket $5,150 Individual – $10,300 Family




                                         Dental Plan                                    Vision Plan

  2016 2017       Vision Rates 2016, 2017
Benefit Recipient $31.70 $34.71       $7.18
Benefit Recipient & Spouse $59.80 $65.48       $13.48
Benefit Recipient + Family $104.12 $114.02       $20.47


2017 Health Care Discount Guidelines

Size of Family Unit HHS Poverty Income OP&F Discount Income Level
1   $26,730.00
2   $36,045.00
3   $45,360.00
4   $54,675.00



2017AARP/UHC rates will increase April 1, 2017:

Plan L      Plan B       Plan F

1.5%        1.5 %         1.5 %

2017/2018 Member Subsidy $103.69

2017/2018 Pre 1986 Spouse Subsidy $69.13

2017/2018 Post 1986 Spouse Subsidy $34.56

Current widows benefit $826.10          Current dependent benefit $226.10


*Charts Prepared by the Police & Fire Retirees of Ohio






2016 Pickle Jar & Survivors List

Remember when your spouse asked for your help to open things? This is the last thing you can open to help those left behind after the PT to 5 Unit. Called the Pickle Jar or Cookie Jar List for years this list is the information needed for those left behind to move on after your final transfer.


Make a list of family and friends to be notified with current phone numbers and keep it updated.


  • Contact the Mortuary of your choice:____________________________________

Phone #________________________


  • Contact your clergy person: ___________________________________________

Phone #_________________________________________________________________


  • Notify the retirees Fire Department. The retiree may still have some benefits through the department. Such as death benefit, honor guard and pall bearers.

Phone #_________________________________________________________________

List of Pall Bearers:

____________________________________   __________________________________

____________________________________   __________________________________



____________________________________ ___________________________________


  • Notify the retirees Union Local. The retiree may still have some benefits through the Union.

Phone #__________________________________________________________


¨                  Notify the Ohio Police and Fire Pension Fund. They will send out a survivor’s packet and the current health care provider will send a health care packet.

Phone # 1-888-864-8363.


¨                  You may request a HOST though the pension fund or by contacting any 4 Unit HOST. They will assist with OP&F Pension Fund forms.

Bernie Nance      HOST Committee Chairman

Jeanne Nance ____________1-740-927-7115 ______EMAIL                  bernaj@embarqmail.com

Gary Siniff ______________1-614-771-5785 ______EMAIL                  gsiniff@columbus.rr.com

Charlie Burkhart _________ 1-740-964-3506_____EMAIL                     saundracraig@aol.com

Tom Christ_____________1-614-279-6996______EMAIL                    tomandmel@columbus.rr.com

Rich Niemann___________1-614-491-5875_____EMAIL                        rniemann_53@yahoo.com

Bob Keefer_____________ 1-614-496-2032_____EMAIL                      bobkeefer42@gmail.com


¨                  Contact 4 Unit members name and obituary will posted on 4 Unit web site ASAP.

Phone #_________________________________________________________


  • Contact the Veterans Administration if a former military member. All Honorably Discharged veterans are entitled to flag presenters at the grave site. They are also entitled to a grave marker; you will need the members Honorable Discharge or DD 214.

 Phone # 1-800-827-1000


  • Notify the Social Security Administration: Surviving spouses are entitled to a $225.00 burial benefit.

Phone # 1-800-772-1213

¨                  Notify Workers Comp Bureau if applicable.

Phone # ___________________________


  • Notify your Credit Union, Banks or other financial institutions:

Name: _____________________________ Phone #_______________________

Name: _____________________________ Phone #_______________________

Name: _____________________________ Phone #_______________________

Name: _____________________________ Phone #_______________________


¨                  Notify your attorney.

Phone # ________________________________________


¨                  Locate all insurance policies and make sure the correct beneficiaries are named

Policy #_____________________________ Policy # _______________________

Policy #_____________________________ Policy # _______________________

Policy #_____________________________ Policy # _______________________

¨                  Documents you will need:


Cemetery Deeds – Located___________________________________________

Death Certificate copies – Located_____________________________________ Marriage certificate – Located___________________________________________

or on file with OP&F – Yes__________   No________

Dependant Birth certificates – Located ____________________________________

Military papers Located________________________________________________

Disability and Workman’s Comp documents if member retired on disability and death was due to that injury. Death Certificate must be worded correctly.

Located – ____________________________________________________________

House deeds – Located__________________________________________________

Auto titles – Located ___________________________________________________

Safe deposit boxes and keys – Located _____________________________________


¨                  FYI and Suggestive items:


¨                  The Ohio Police Fire Pension Fund will pay the surviving spouse a $1000.00 Lump Some Death Benefit. If there is no surviving spouse the benefit will be paid to the designated beneficiary.


¨                  The surviving spouse will receive $826.10 per month (as of 7-16) plus cost of living increases of $16.50 each July 1st. Plus any annuity payments and death benefits if applicable.


¨                  Dependent children will receive $226.10 per month (as of 7-16) plus cost of living increases of $4.50 per month each July 1st.


¨                  Survivors must apply for all death related benefits.


¨                  Collect forms and make copies of important papers that will be needed such as your certificates, DD-214, proof of job-related injuries, deeds for any cemetery plots, etc.

DD-214’s are available by contacting National Personnel Record Center, 9700 Page Ave., St. Louis, MO 63132, and ATTN: (Branch of Service)

Requests for records are processed in four to six months. Include Social Security Number, date of birth, and dates of service.


¨                  Make a Will, or update an existing one to reflect any changes in your life such as recent marriage, divorce, births or deaths of existing beneficiaries.


¨                  Write a Living Will and Durable Power of Attorney.


¨                  Make sure that your entire bank accounts, credit union accounts, mutual funds, IRA’s stocks and real estate are listed “Joint Tenancy with Right of Survivorship.” This makes all assets available to survivor without waiting for Probate Court.


¨                  List all bank accounts:

¨                  Bank: ____________________________ Acct. # ______________________

¨                  Bank: ____________________________ Acct. # ______________________

¨                  Bank: ____________________________ Acct. # ______________________

¨                  Bank: ____________________________ Acct. # ______________________

¨                  List all certificates of deposit and locations.

¨                  Cert. # __________________________

¨                  Cert. # __________________________

¨                  Cert. # __________________________

¨                  List Securities, IRAs, Annuities, Mutual Funds and their locations:

¨                  Notes_____________________________________________________________








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