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Wife just got laid off, retirement, age 59 1/2 relevant?

Posted on 06/18/2016 7:08:00 AM PDT by George from New England

Wife worked full-time at an organized church office for 9 1/2 years now. Worked 35 hours a week and received insurance and health care benefits, etc.

Fiscal year cycles at June 30. She was the elimination of her position this past week and given the option to continue at 19 hours a week, part time. She has said no, she needs a job with benefits. They surprised her yesterday, Friday, with her last day worked. Their letter says she is paid until end of June and 4 weeks into July for sick days and left over vacation time.

Now her termination letter say June 17th.

Her birthday is Dec 24, 1956 -- which makes her 59 1/2 in one week, June 24th this year.

Does legal status change once ones passes the 59 1/2 age when it comes to retirement laws or is that half birthday only relevant to penalties on i.r.a. account withdrawls? Could the difference of one week, change her ability to get early pension benefit or are there laws surrounding 59 1/2?

This is the state of Florida and one of the Catholic Dioceses down here.


TOPICS: Chit/Chat; Health/Medicine; Religion
KEYWORDS: layoffs; retirement
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To: OrangeHoof

What I was hoping to learn from posting the situation was the part about the 59 1/2 year threshold.
I have learned that it appears to be a coincidence that date is a week away.
I will inquiry from an attorney search Monday whether there is a case for age discrimination or proximity to retirement thresholds issue.
The wife has been castigated in many ways for the last year with this new pastor — she is glad to be out of there and has a layoff letter that should get her unemployment. She has in writing that her insurance will continue, all paid for, until end of August.
We will not starve, as her husband (me), has setup 3 rentals on our property that produce income.
Thank you for everyone who has read and contributed herein.


61 posted on 06/18/2016 10:32:36 AM PDT by George from New England (escaped CT in 2006, now living north of Tampa)
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To: miss marmelstein

#16 We had a new manager start about 4 years ago. In 3.5 years we had 18 people go thru the office. 9 were fired. 8 were people he hired. Several others sited him as the reason they were leaving. He likes to raise his voice and put you down in job reviews. One person just left with no warning. He came in and cleaned out his desk and left. Another person transferred to a different dept. There are now just 2 of us left that were there before this poor manager showed up. As far as I know he does not have any acquaintances in the whole building of 250 people.

I am about the persons age in the posting. I show up every day and do my job and hope to work till I am 67 but for some they want the thrill of wrecking another’s life.

I am betting he is getting bonus money for the turnover.


62 posted on 06/18/2016 12:11:16 PM PDT by minnesota_bound
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To: minnesota_bound

Could you explain about the bonus money for overturn? I’m a little confused.

It’s always bothered me that businesses (and the arts!) often confuse terrible temper with either genius or competence. Also, as we learn more about the autism spectrum, I think a lot of men who have Aspergers are good at their jobs but horrible in managing people.

That’s not to say women are better. My fondest memory of bad behavior is working for Grey Advertising on Third Avenue and a woman manager threw a temper tantrum by laying on her boss’s couch and pounding her fists on a pillow. I can still visualize her legs and feet beating up and down in fury. Her female boss sent her home for the day.


63 posted on 06/18/2016 12:45:41 PM PDT by miss marmelstein (Richard the Third: With my own people alone I should like to drive away the Muslims)
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To: LostInBayport

It is an awesome story

She bitched at the RMCP because they did not have bug spray when they rescued her LOL

rescued schmescued she pulled it alone and larfed it up.

Good girl.


64 posted on 06/18/2016 1:05:42 PM PDT by mylife (The roar of the masses could be farts)
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To: minnesota_bound

Tides will turn


65 posted on 06/18/2016 1:07:52 PM PDT by mylife (The roar of the masses could be farts)
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To: miss marmelstein

Turn over the employees and start any new ones with lower salaries. Manager gets money for saving money.


66 posted on 06/18/2016 1:12:09 PM PDT by minnesota_bound
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To: minnesota_bound

I see. Hope the lower paid employees are as good or better as the laid-off ones. What a way to run a business.


67 posted on 06/18/2016 1:14:18 PM PDT by miss marmelstein (Richard the Third: With my own people alone I should like to drive away the Muslims)
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To: George from New England

Thanks for the extra details and the knowledge you both will be okay. Maybe the former pastor can give her a letter of recommendation if she still knows how to reach him. Best of luck.


68 posted on 06/18/2016 1:14:30 PM PDT by OrangeHoof (#GuiltyAsHELLary2016 #KimJungHill)
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To: mylife

I went back and looked at the article. It DOES say the RMCP “rescued” her!

What BS!


69 posted on 06/18/2016 1:31:24 PM PDT by LostInBayport (When there are more people riding in the cart than there are pulling it, the cart stops moving...)
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To: George from New England
Fiscal year cycles at June 30. She was the elimination of her position this past week and given the option to continue at 19 hours a week, part time. She has said no, she needs a job with benefits. They surprised her yesterday, Friday, with her last day worked. Their letter says she is paid until end of June and 4 weeks into July for sick days and left over vacation time.

I am not all that familiar with all the ins and outs of unemployment benefits in the state of Florida but she should still file a claim.

In many states if one’s job is moved from a fulltime to a part time position, partial unemployment benefits may be available. However, since she was offered part time employment but refused it, that may not apply. But the worst that can happen if she files a claim is that Florida UI will deny the claim or the employer will contest it and it may be denied or she may only be entitled to reduced benefits. That she refused to continue on, even on a part time basis may be construed as a “voluntary” termination. But there is no harm in filing. But in order to receive unemployment benefits, assuming she is eligible, she will have to be able and available and willing to work and actively seeking employment.

http://www.stateofflorida.com/articles/florida-unemployment.aspx

http://pclsjobseekerservices.blogspot.com/2011/04/florida-unemployment-eligibility-and.html

They surprised her yesterday, Friday, with her last day worked. Their letter says she is paid until end of June and 4 weeks into July for sick days and left over vacation time. Now her termination letter say June 17th.

You have to read her termination letter carefully. I wouldn’t be all that concerned if the letter says she was terminated as of her last day worked. The important thing is if it states that she will be paid through the end of June as originally promised. You and she also need to look at her employee handbook. In many states, accrued/earned vacation time must be paid out on termination but unfortunately Florida is not one of those state and not many states including Florida mandate the same for accrued sick leave.

But if her employment handbook and her letter states otherwise, then they must adhere to that.

Does legal status change once ones passes the 59 1/2 age when it comes to retirement laws or is that half birthday only relevant to penalties on i.r.a. account withdrawls? Could the difference of one week, change her ability to get early pension benefit or are there laws surrounding 59 1/2?

If by retirement laws if you are referring to Social Security, no, you cannot begin collecting at age 59 ½.

https://www.ssa.gov/planners/retire/agereduction.html

If you are talking about a 401k (or a 403b a non-profit retirement plan which have very similar rules to a 401k), different rules for a penalty free withdraw depending on age and circumstance.

http://moneyover55.about.com/od/preretirementplanning/a/401k-Retirement-Age-55-59-1-2-Or-70-1-2-Different-Rules-Apply.htm

If a pension plan, you’ll have to read the pension plan’s docs to determine if she met the vesting requirements.

I will inquiry from an attorney search Monday whether there is a case for age discrimination or proximity to retirement thresholds issue.

Good luck with that. It sounds like age discrimination could be difficult to prove in this case unless there is a very clear pattern of the employer terminating or refusing to hire employees based solely on age.

And word to the wise, be careful when talking to an attorney and do not sign anything, assuming an attorney will take the case, unless you and your wife understand fully what the attorney will charge if anything for an initial consultation and whether or not there is a contingency on fees based on the ultimate outcome of the case.

You may want to look into or first contact the Florida Commission on Human Relations.

http://www.workplacefairness.org/file_FL

Best of luck and best wishes to you both.

70 posted on 06/19/2016 3:44:50 AM PDT by MD Expat in PA
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To: MD Expat in PA

Since her date of hire is Oct 6, 2006. Might there be a case or issue with her termination or position elimination, based on the close proximity to ten years and the plans eligibility for early retirement therein ? She should be 8 years vested as I write.

My wife has had mistakes in her pension statements going back 3 years. She has received token acknowlement of the errors but has been unable to for the last 2 years get a correct ledger or statement from the pension dept or agency. She again requested that 10 days ago and nothing has arrived.

My wife also inquired about the early retirement since she would have to wait 6 years for a penny and they are letting her go. Nobody responds to her request and that was 5 days ago.

Human resources seems to be a joke and really only looks after the companies interest, not the employee.


71 posted on 06/19/2016 3:02:29 PM PDT by George from New England (escaped CT in 2006, now living north of Tampa)
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To: George from New England
Since her date of hire is Oct 6, 2006. Might there be a case or issue with her termination or position elimination, based on the close proximity to ten years and the plans eligibility for early retirement therein ? She should be 8 years vested as I write.

That you will have to ask a qualified attorney. I am not an attorney so I cannot not nor do you want me to give you legal advice.

But in my HR experience, what I think may hurt your wife’s chances of proving age discrimination is that the position has been eliminated rather than she was let go without cause and replaced by a younger person. It would help if there was any mention of her age as a reason for her dismissal in any verbal conversations, although that can be disputed if there were no witnesses, or any mention of her age (or an inference such as “you seem not to be able to keep up anymore”, “you seem to tire out more easily than you did a few years ago”, “you more ‘seasoned’ gals don’t take to change or learn new skills very well”) either verbally or in a written performance review, but few (although not all) employers are stupid enough to put something like that in writing.

Also if the dioceses is having budgetary problems even by their own stupidity, that won’t help her case either. If she was 2 years away from the 10-year eligibility for taking early retirement (I presume from the pension plan), I don’t know that that is close enough to infer that this was the reason her position was eliminated but an attorney would be better to answer that. If there is a pattern of letting people go who are over 40 and or forcing them out and letting them go just prior to them reaching pension vesting or eligible for early retirement and replacing them with younger workers (not in a protected group BTW), that would help but doesn’t on the surface seem to be the case here.

If her position was eliminated but then after a few months they hire someone, someone under 40 and who is doing basically the same job as your wife, even if they change the job title or make a few minor changes/tweaks to the job description, that could go to proving age discrimination but can still difficult to prove.

FWIW, at a previous employer I saw this happen. Older people who had been with the company for a long time were let go because the company eliminated their position under the guise of needing to reorganize or downsize, only to a few months later hire someone, someone younger and with less experience and for less pay under a new job title with a slightly different job description but in many ways were performing the or very close to the same job. I expressed my concerns over what I saw and soon I was told that I needed to cross train and off load many integral parts of my job to others to the point I had very little left to do anymore. Seeing the writing on the wall, I found another job before they let me go.

I am not suggesting that your wife shouldn’t pursue an age discrimination case but just be aware of where the bar is set for proving such.

https://www.workplacefairness.org/proving-employment-discrimination

http://www.bankrate.com/finance/jobs-careers/age-discrimination-tough-prove-2.aspx

Also as I mentioned in my prior post, if you do hire an attorney make sure you understand the fees involved and whether or not you will be on the hook for a big legal bill should you lose or what % of the settlement goes to the attorney should you win. And also find an attorney who specializes in employment law/discrimination (you don’t want the guy or gal who handles mostly bankruptcy cases or auto accidents to handle this.)

My wife has had mistakes in her pension statements going back 3 years. She has received token acknowlement of the errors but has been unable to for the last 2 years get a correct ledger or statement from the pension dept or agency. She again requested that 10 days ago and nothing has arrived. My wife also inquired about the early retirement since she would have to wait 6 years for a penny and they are letting her go. Nobody responds to her request and that was 5 days ago.

My advice is to keep following up if she doesn’t get a response and follow up in writing preferably by certified mail – return receipt. Send to the pension administrator and with a cc to the HR or Benefits Manager of the diocese and whomever is next higher up the food chain as appropriate. Keep the letter factual and to the point however and don’t bring into it any accusations of discrimination or any threats of such. Simply request an updated and corrected statement and if there were previous requests in writing, include a copy.

Human resources seems to be a joke and really only looks after the companies interest, not the employee.

Of course they look do - that’s their (my) job - to look after the company’s best interests. HR and Payroll is not there to be an advocate for the employee over the company’s best interests. Nor is HR there to be employees’ personal counselors or therapists or their personal career counselors or give employees’ legal advice (or as a payroll manager – personal tax advice).

I have over 30 years in payroll management and HR and benefits. I’ve always seen my job as being to protect the company’s best interests. That’s not to say my job was to do a number on or cheat or treat employees unfairly either.

Over the years I had to sometimes point out to the employer and take a very firm stand where what they were doing was illegal or discriminatory (from an HR, EEOC, DOL, FSLA, FMLA, or an IRS or benefits law standpoint).

One example was when a manufacturing company I was working for had to shut down for two days because of flooding from a tropical storm. The production manager wanted to allow workers to make up their missed time in the following work week in lieu of taking PTO to cover their missed time (i.e. paid for 24 hours at straight time week one and 56 hours at straight time week two so they would have their full 80 hours for the pay period), be paid for those additional 16 work hours the 2nd week at straight time. The production manager told me that the workers had supposedly verbally told him that they were fine with working over 40 hours the following week and forgoing the OT premium. The production manager tried to go over my head when I told him no.

But I put my foot down as this would be illegal under DOL rules regarding OT. I pointed out that even if the employees’ agreed to it, even in writing, it would still be a violation of FSLA, that employees cannot waive their rights to OT even voluntarily and doing so could open the company up to future lawsuits and a very painful and potentially expensive DOL investigation. Even though this would have saved the company money, I was looking out for the best interests of company and of the employees.

I’ve also had run ins with managers who wanted to hire or re-hire someone as an independent 1099 contractor when it didn’t meet the classification; classify a job as a salaried - non-OT eligible when it didn’t meet the criteria for being salaried non-exempt; and even last year had an HR director ask if we could hire the CEO’s wife to help out in inside sales for a couple of months but not pay her anything, treat her like an un-paid intern/volunteer.

I always looked at it as 1 - is it fair - are we treating one group of similarly situated employees differently from another such that it could be considered discriminatory; 2 - is it legal or could it expose the company to liabilities and legal claims down the road; and 3 - would it be a moral buster for very little return. #3 is actually a valid concern for a good HR team. But that’s not to say all HR folks or teams are created equal ; )

Best of luck in this difficult situation and keep us posted on how it goes.

72 posted on 06/20/2016 2:09:03 PM PDT by MD Expat in PA
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