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Pension Plans

Provision for retirement income requiring mandatory participation for full-time regular employees.  City of Lakeland employees do not pay into Social Security.

General Employees:

Defined Benefit Plan:

  Plan C Defined Contribution Plan: Executive and New Hires Over Age 52
Employee Contribution 5.81% 8% and/or 11% per election upon hire
Employer Contribution 19.33% 15.39%

Deferred Comp:

A voluntary plan, the Employees’ Pension Board performs the due diligence on the funds. Employees may reallocate their accounts at any time. The maximum contribution for 2021 is $19,500; employees age 50 or older can also add a “catch-up” amount of $6,500. Additionally, a match of up to 5% of salary is offered by the City in Plan C.

Vesting Period:

An employee is fully vested in their retirement after five years of employment unless they are a sworn Police Officer. Sworn Lakeland Police Officers are vested after ten years of employment.

Fire Department (Certified Fire Fighter)


Police Department (Sworn Officers)



Plan B



Employee Contribution


Employee Contribution


Employer Contribution


Employer Contribution


Please see Retirement Services for details on vesting and investment options.