Edward Jacobs, President of the St. Maarten Police Force Retirees Association
Remarks from the Minister of Public Health
Hon. Richenel Brug
Staying Together, Staying Strong
The Spirit Behind the St. Maarten Police Force Retirees Association
A New Chapter Begins
The Founding of the St. Maarten Police Force Pensioners and Retirees Association – 2020
A Clubhouse for More Than Cops
Building a Justice Community Hub
Meet the Board
Biographies of the Association’s Executive Members
Retired, Not Tired
Isterida Hasham’s Joyful Journey After Service
The Heart of the St. Maarten Police Force Retirees Association
Honoring Service, Embracing Community
Money Matters
Financial Advice for Retirees
A Legacy of Leadership
The Quiet Contributions of Mr. Schotborg
Top 10 Tips for a Happy Retirement
Reunion Highlights & Event Gallery
Photos from Mother’s Day, Family Day, Cadet Graduation, Father’s Day and More
Quite Strength and Service Behind the Scenes
Preface for Pension…
What’s Next Essay –By the Association
Pension…What’s Next?
Are You Ready? The Power of Planning for Life After Work
Reflections in the Rear View Mirror
Memories of Service, Brotherhood, and Purpose
Protecting Our Elders
The Growing Threat of Fraud Against Seniors – By Mr. Turhan “Pico” Simmons
Life After 65: Still Going Strong on the Friendly Island
Hurricane-Ready After Retirement
A practical guide for our members, families, and neighbors
Foreword by Chief Edward Jacobs (Ret.)
President,
St. Maarten Police Force Pensioners and Retirees Association
W“Age is only a number, a cipher for the records. A man can’t retire his experience. He must use it. Experience achieves more with less energy and time.”
- Bernard Baruch
ith pride and gratitude, I welcome you to this special edition of our magazine, Pension . . . What’s the Next Step. It is an honor to share a few words with you, not only as a retired officer but also as someone who has walked alongside many of you, whether in uniform or supporting the justice system here in St. Maarten.
From my early training in Curaçao to serving in Aruba and returning home to St. Maarten, I’ve been fortunate to work alongside incredible mentors, colleagues, and friends. When I joined the police service in 1966, I was one of 11 recruits, and by the next year, 14 of us proudly began our service. In 1985, I moved to St. Maarten and proudly served as Head of the Judicial Department until I retired in 1991.
Like many of you, I didn’t view retirement as a final chapter. Instead, I saw it as a continuation—a time to share knowledge, offer support, and build something meaningful for the future. That vision became clear in 2020, when fellow retired officers Johan Leonard and Norwin Villareal approached me. They proposed forming an official association to unite our retired police officers, and I immediately agreed.
We began the work to form the St. Maarten Police Force Pensioners and Retirees Association, which became an official legal body by September 25, 2020. This Association supports every aspect of the justice system. To reflect this commitment, we have updated our bylaws to include all retired justice community members, workers, and anyone who has reached the age of 60 who is part of the wider justice chain. Our doors are open, and we welcome your experience, presence, and voice.
Today, I’m proud to say the Association is growing. Our members contribute monthly and participate in activities that keep us con-
nected and engaged. Everything we do is rooted in fellowship, from domino tournaments to island tours, from our Walk-AThons to special celebrations for Mother’s Day, Father’s Day, and Christmas. We’ve found ways to stay active, support one another, and preserve the bonds we built during our years of service.
Our goal is to set up a permanent clubhouse for the Association. The clubhouse will welcome gatherings, allow us to host meetings, celebrations, and community events, and symbolize everything we’ve worked for. As more people retire within the chain of justice, we want them to know they are welcome and have a place with us.
I believe we can achieve this goal in the next two years. It won’t happen overnight, but it will happen—with steady commitment and each member doing their part. The Association has accomplished much quickly, filling me with optimism and determination for the future.
Your support, interest, and participation keep this Association alive. Retirement marks the beginning of a new chapter where we continue to nurture our dedication to service, cultivate personal growth, and sustain the legacy of justice and public good. We honor the past, celebrate the present, and shape a future true to our values. In closing, I wish to express my sincere gratitude to the executive board for their unwavering dedication to expanding our membership. Finally, I extend heartfelt thanks to all our sponsors whose generous support made this magazine a reality.
With respect and appreciation,
Edward Jacobs President St. Maarten Police Force Pensioners and Retirees Association
Remarks from the Minister of Public Health, Social Development, and Labor Hon. Richinel S.J. Brug
It is with great appreciation that I commend Mr. Ezequiel A. Josepha for his dedication to crafting this timely and muchneeded booklet, Retirement, What Next? . In a society that often glorifies the journey of work but overlooks the destination of retirement, this documentation provides a necessary platform, recognizing the contributions of our pensioners and shedding light on the struggles faced by individuals transitioning into this critical phase of life.
This booklet not only outlines the real and pressing challenges encountered by many pensioners today but also serves as a beacon of guidance for those nearing retirement. It is my belief that this work can become a cornerstone reference, a true “one-stop shop” information guide, for persons navigating the road to retirement.
“Imagine working hard, paving the way for the comforts and benefits allotted to us as a society today, and not reaping the benefits as a
retiree. This is a grave injustice.” These words reflect a reality we can no longer afford to ignore. Retirement should be a time of dignity, security, and peace, not uncertainty.
With its thoughtful questions, practical steps, and accessible advice, Retirement, What Next? represents a positive step forward in reshaping how we approach aging and retirement in our community. It offers both a call to action and a roadmap for more equitable and informed support systems.
I thank Mr. Josepha for his initiative and hope this work inspires further dialogue and reform, ensuring that those who’ve given so much to our society are never forgotten when they need us most.
Hon. Richinel S.J. Brug Minister of Public Health, Social Development and Labor Government of Sint
Maarten
Staying Together, Staying Strong
STAYING TOGETHER, STAYING STRONG: The Spirit behind the St. Maarten
Police Force Retirees Association
The St. Maarten Police Force Retirees Association didn’t begin with a grand announcement. It started with something simple, a hospital visit. A few retired officers went to check in on a fellow colleague who had fallen ill. That visit led to a deeper realization. After years of working together side by side, there was no formal way to keep that bond alive. No structure. No place. No group. That’s when the idea was born: to create something that would bring the police family back together, even after retirement.
In 2020, that idea became real. The Association was formed with the mission of helping retired justice workers stay connected, supported, and seen. What makes this group special is that it’s not about titles or ranks. It’s about people who spent their lives serving others and still carry that same spirit, now turned toward one another.
Keeping the Bond Alive After Retirement
At the center of the Association there is a core value: Social care. That value guides everything they do. The same way they once protected and served the public, they now show up for each other. Whether it’s celebrating Mother’s or Father’s Day, attending a funeral, or offering financial help to a member in need, the Association is about standing together, always.
Many retirees say staying active is one of the most important parts of this next chapter. They know that keeping the mind and body busy is key to staying well, both physically and emotionally. They’ve seen firsthand how retirement can lead to feelings of isolation, especially after years of being part of a fast-paced, demanding job. That’s why the Association keeps things moving, not just through events but through simple, everyday communication. One of the most active parts of the group isn’t a meeting, it’s a WhatsApp chat. It might sound small, but it’s a lifeline. Members share updates, encouragement, jokes, and news. It’s a way to check in, laugh, and feel part of something again. That group buzzes every day and keeps the sense of family going strong.
Looking ahead, there’s one dream many members share: building a clubhouse. But this won’t just be a building. It will be a home base. A place where members of the justice chain, whether from the police, customs, or other departments, can gather. There will be space for domino games, educational lectures, social events,
and quiet conversations. It’s a dream that reflects everything the Association stands for: community, connection, and shared experiences.
The Association is also open to justice workers who haven’t retired yet. They’re encouraged to attend events like the Walk-AThon, domino tournaments, and family gatherings. It’s a way to plant the seeds early, so when retirement comes, they already know they belong.
One event that captures the spirit of the Association perfectly is their annual Family Day. On that day, there’s no need to talk about the past or future. It’s about the present, enjoying food, laughter, and togetherness. Members bring their loved ones, share stories, and build new memories. That one day shows what the Association is really about: not letting go of the bond they built over years of service.
If the public could know one thing about this group of retirees, it’s their dedication. That didn’t end when the job did. It simply shifted. Now it’s aimed at one another, making sure nobody feels forgotten, especially in times of illness, grief, or need. They check in, show up, and lend support without being asked. That loyalty says more than any medal or ceremony ever could, it speaks to the kind of people they’ve always been.
Building a Legacy of Togetherness
New members are welcomed with warmth and care. They’re invited to meet with the Board, where the purpose of the group is explained, the house rules reviewed, and photos from past events are shared. This gentle introduction helps new members understand that they’re not joining just another club, they’re becoming part of a family.
The Association’s founding members, Johan (Janchi) Leonard, Norwin Villarreal, and Edward Jacobs, played a crucial role in shaping its vision. They didn’t just want to build something for themselves. They wanted to build something lasting. In the early days, there were challenges. For one, the number of eligible retirees was small. That could have been a roadblock, but instead, it sparked a solution: open the group to all workers within the justice system, and even to those over 60 who are still working.That decision brought in more voices, more strength, and more unity.
The leadership structure is designed to be efficient but collaborative. A seven-member Board makes the big decisions, while the President, Treasurer, and Secretary handle the day-to-day matters. Meetings are held twice a month, and when an event is coming up, they meet more often to make sure everything runs smoothly. It’s clear that thought and care go into every detail.
Right now, the Association doesn’t have any official partnerships with other organizations. But that’s something they’d like to change. They’re open to building connections with groups that share similar goals, whether it’s promoting wellness, offering social support, or creating community spaces for the elderly. The door is open, and the hope is strong.
At the heart of all this is a belief that justice system retirees deserve a dedicated space of their own. During their years of service, there was a deep sense of brotherhood and sisterhood. Departments worked closely together. Officers leaned on each other in tough times. There were shared stories, struggles, victories, and unforgettable moments that shaped not just careers, but lives. That kind of bond runs deep and doesn’t fade just because the job is over.The Association exists to protect it, and to remind each member that they still matter.
There’s also a quiet but strong hope for the future. That the next generation of justice workers will see the value of connection
Staying Together, Staying Strong
and carry it forward. That they won’t wait until they feel alone to look for community but instead will walk into retirement already surrounded by it. That’s the kind of legacy the founders want to leave behind.
The St. Maarten Police Force Retirees Association might have started with a single idea, but today, it’s a movement. One that shows what’s possible when people come together with heart, history, and hope. It’s not just about the past. It’s about building a better present and a more connected future.
This group proves that retirement doesn’t mean stepping away, it means stepping into something new. A new kind of service. A new way to show up for each other. The bonds formed in the justice system don’t dissolve with time; they evolve. And through this Association, they become stronger. Members support one another not because they have to, but because they choose to. Because they know what it means to stand shoulder to shoulder, whether in uniform or out of it.
There’s something powerful in that choice. It tells a story not just of loyalty, but of love for community, for shared experiences, and for the people who understand what it meant to serve. As the Association grows, so does its impact. A legacy not written in reports, but in real relationships. And that’s something worth celebrating.
VISION STATEMENT
To unite retired members of the justice community in fellowship and purpose, preserving our legacy while building a permanent clubhouse, a lasting symbol of solidarity, service, and second chapters for all who dedicated their lives to justice in St. Maarten.
MISSION STATEMENT
We support retired members of the justice community by fostering fellowship, promoting well-being, and preserving our shared values. Through connection, advocacy, and the future creation of a permanent clubhouse, we ensure every member continues to serve, engage, and belong beyond the badge.
A NEW CHAPTER BEGINS
The Founding of the St. Maarten Police Force Pensioners
and Retirees Association – 2020
“Age is only a number… A man can’t retire his experience. He must use it.” These words, quoted by our President Chief Edward Jacobs (Ret.), capture the spirit of what was set in motion in 2020, a year that marked not the end of service, but the beginning of a new chapter.
In the photo, three distinguished men sitting together, not in uniform, but still very much in service. From left to right: Edward Jacobs, former Head of the Detective Department, now President of the Association; in the center, retired Chief Inspector Johan “Janchi” Leonard; and to the right, retired Major Norwin Villareal, who would become the association’s dedicated Commissioner. Each man brings decades of wisdom, courage, and leadership forged in the line of duty, and now redirected toward building
something greater for those who served.
What you see in this moment is more than three retirees signing documents at a table, it is the formal birth of a vision. Seated side by side, pens in hand, Jacobs, Leonard, and Villareal are captured cementing a shared commitment to purpose beyond the badge. Retirement hadn’t ended; their mission had transformed it. The idea to form an official association began with Leonard and Villareal, who approached Jacobs with the proposal to unite and support their fellow retirees. Jacobs immediately embraced the idea, and from that pivotal conversation, the foundation of the St. Maarten Police Force Pensioners and Retirees Association was laid.
42, Philipsburg Sint Maarten +1(721) 586-1522
Check-in as Guest, Check-out as Family
Backstreet
By September 25, 2020, the St. Maarten Police Force Pensioners and Retirees Association was officially born. Its mission was clear: to provide a platform for retired members of the justice system to stay connected, to support one another, and to continue making a meaningful impact in their community. What began as a vision among three retired officers has since grown into a dynamic and inclusive Association that welcomes all justice community retirees, including those 60 and over from the broader justice chain.
This is the genesis of a movement rooted in loyalty, fellowship, and a desire to serve long after the final shift. Today, it is the
A New Chapter Begins
Association’s executive board who carries that vision forward working toward the establishment of a permanent clubhouse that will stand as a living symbol of service, solidarity, and second chapters. It won’t be built overnight, but with the same resolve that built careers and earned public trust, the board is committed to making it a reality, brick by brick, step by step, with every member’s support.
This is the story of a beginning. The beginning of an Association that honors the past, supports the present, and shapes the future for all who have served justice in St. Maarten.
Thank’s you I N D I G O G R E E N
A CLUBHOUSE FOR MORE THAN COPS: Building a Justice Community Hub
For decades, St. Maarten’s law enforcement officers have served with pride, purpose, and quiet strength. From long night shifts to high-risk situations, they’ve done the work few see and even fewer truly understand. And yet, after retirement, many find themselves asking a simple question: “Where do I belong now?”
That’s where the idea of a dedicated clubhouse for the Police Force Pensioners and Retirees Association comes in, not as a luxury, but as a logical next step. A justice community hub. A place where bonds are kept strong, where shared memories live on, and where retired officers continue to support one another in the ways that matter most.
A PLACE TO GATHER, REFLECT, AND RECONNECT
Retirement, while well-earned, often brings a shift in identity. The uniform may come off, but the call to serve never really fades. A clubhouse has more than four walls: it’s a center of gravity. A place to share stories, offer advice, laugh about old times, and support one another through life’s later chapters.
For many members, the absence of physical space has been deeply felt. Meetings are held here and there. Gatherings, while meaningful, are scattered. What’s missing is a home base, a space that belongs to the Association and reflects its values.
MORE THAN A MEETING ROOM
The vision is broad and inclusive. A clubhouse could serve as:
• A meeting space for monthly gatherings and board sessions
• A hall for celebrations, birthdays, Mother’s Day, Father’s Day and milestones
• A small museum of memorabilia, badges, and framed photos
• A wellness corner for blood pressure checks or health talks
• A place to host community outreach programs, bridging generations
• A safe zone for widows, families, and the wider justice chain to stay connected
In short, it becomes a living tribute to the men and women who gave their best years to public service.
LESSONS FROM THE BIOS
In our Pension…What’s Next? magazine, a common theme emerged across the profiles: connection. Whether it was Mr. Elgin “Scotty” Schotborg speaking about Police Week games, or other members reflecting on shared memories, there’s a shared hunger, not just for the past, but for continuing the camaraderie in new ways.
A clubhouse would not only honor that history, but it would also extend it.
SUSTAINING THE VISION: THE ROLE OF FUNDRAISING
Let’s speak plainly: buildings cost money. Maintenance, utilities, furnishing, it all adds up. But the bigger truth is this: a clubhouse doesn’t happen through hope alone. It happens through strategic, ongoing fundraising.
Sponsorships. Events. Donor partnerships. Grant proposals. Legacy donations. Every dollar count, not just to build, but to maintain and grow.
What’s needed is not just a one-time effort, but a culture shift: to see fundraising not as a burden, but as a muscle. A healthy association flexes it often, not when things are urgent, but when things are possible.
And when the time comes to act, the Association must already be positioned with a clear pitch, a powerful message, and trusted fundraising guidance.
MORE THAN MONEY: THE POWER OF OWNERSHIP
The clubhouse also represents something deeper: ownership. Not just in legal terms, but emotional and symbolic ones. It says to every past, present, and future member:
“This is yours.You belong here. And your legacy continues.” When people have a place to belong, they show up. They support one another.They stay connected.That’s why a clubhouse isn’t just about cement blocks, it’s about bonds!
THE RIPPLE EFFECT
When an Association has a physical home, the ripple effect goes far beyond its doors. It boosts visibility, credibility, and confidence in the eyes of:
• Potential sponsors and donors
• Government partners and grant-makers
• Younger officers and future retirees
• The public and surrounding community
It creates space for mentorship, for knowledge sharing, for healing. It becomes a foundation on which new programs can be built, whether educational seminars, health workshops, or retirement planning for younger officers.
A Clubhouse for More than Cops
QUIET STRENGTH BEHIND THE SCENES
Of course, ideas like this don’t build themselves.They require commitment, strategy, and stewardship. Every successful nonprofit has someone, or a team, working behind the scenes to help turn vision into structure, and ideas into income
The Association has already demonstrated this potential. Its fundraising success with the inaugural edition of Pension…What’s Next? Magazine was no accident, it was the result of targeted outreach to hundreds of local businesses resulting in trusted partnerships, and the kind of know-how and experience that makes dreams feasible through professional fundraising.
Behind the scenes, there are individuals who remain quietly committed to strengthening every outreach the Association makes in the community. Moved, and in many ways awakened, by this growing movement around retirement, they’ve discovered new inspiration to live their later years with purpose, connection, and pride. You may not see their names in bold print, but their quiet care, steady presence, and unwavering support echo through every initiative the Association strives to bring to life through fundraising.
A SPACE FOR THE FUTURE
This clubhouse isn’t just for the current board. It’s for the next generation of retirees. For the widows of those who’ve passed. For children who want to see where their fathers and mothers once stood. For a community that values service and remembers those who served.
In fact, the aspiration for a dedicated clubhouse is already written in the Association’s Vision and Mission statements (see page 14), not just as a dream, but as a declared objective. It’s a place where the Vision, “to protect the well-being of all retirees and their families”, can be lived out in tangible ways. And where the Mission, “to provide a platform for social, financial, emotional, and physical support”, can move from words to action, every single day.
The vision is clear. The momentum is real. The purpose is noble. Now all it needs is continued support, and the willingness to keep saying yes to growth.
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MEET THE BOARD
EDWARD JACOBS, PRESIDENT
ELGIN SCHOTBORG, TREASURER
Edward Alfredo Palmerston Jacobs is the President of the St. Maarten Police Retirees Association and a retired Major with 25 years of service. Renowned for his investigative work, he led a major drug case in Aruba that resulted in five convictions and the island’s first maximum sentence for narcotics. In 2020, he helped found the St. Maarten Police Force Retirees Association, inspired by a vision to unite retirees and continue serving the justice community. A believer in lifelong learning and public service, Chief Jacobs encourages retirees to stay active, share their knowledge, and build a lasting legacy of support and fellowship.
Elgin Schotborg (Scotty), Treasurer of the Police Force Retirees Asso ciation, served in the police force from 1973 until his retirement in 2010, achieving the rank of Inspector. One of his proudest accomplishments was serving as president of the Police Sports Organization. This position sharpened his leadership and teamwork skills — experience he now brings to the Police Retirees Association. Passionate about sports and service, he’s committed to helping the Association grow financially and secure a permanent home for its members.
Isterida Hasham Ramirez, Secretary of the Police Retirees Association, proudly served for 36 years as Executive Secretary and Head of the Secretariat Department. A highlight of her career was laying the first cornerstone of the Philipsburg Police Station alongside the then Minister of Justice Mr. Ivo Knoppel. She joined the board to lend her skills and stay active—her cheerful way of keeping “Mrs. Alzheimer’s” at bay. A passionate baker, she hopes the Association soon secures a clubhouse to host more events and community programs.
NORWIN VILLARREAL, COMMISSIONER
Norwin Villarreal, Commissioner of the St. Maarten Police Retirees Associa tion, proudly served 43 years in the police force, retiring at the rank of Inspector. He recalls graduating from the Police Academy as a defining moment, marking the start of a career dedicated to community service. As one of the founding mem bers, he is deeply committed to the Association’s growth. Known for his compassion, Norwin hopes to unite members, support them in difficult times, and inspire similar associations across the island.
WILLY WIEL-WILLIAMS, ASSISTANT TREASURER
Willy Wiel-Williams, affectionately known as Wilma, serves as Assistant Treasurer of the Police Retirees Association. She began her service in 1986 as an administrative clerk, joined the Police Academy in 1992, and retired as a Major in 2018. Wilma fondly recalls her dedication during hurricanes Luis and Irma, ensuring safety and support for fellow officers. Passionate about travel, sports, and helping others, she brings her financial skills to the board and hopes to see the Association establish a vibrant clubhouse for all.
Louella R.M. Marten, Assistant Secretary of the Police Retirees Association, dedicated 38 years to public service, retiring as a Supervisor in the Immigration Department. Her most rewarding experiences came from working across various departments and learning along the way. A naturally social and family-oriented person, Louella enjoys staying active through the Association. She hopes to see the Association establish its own clubhouse, a welcoming space where retirees can come together and the wider community can engage and take part in meaningful activities.
TURHAN CURTIS SIMMONS, VICE PRESIDENT
Turhan Curtis Simmons, Vice Presi dent of the Police Retirees Associa tion, served with distinction from 1976 until his retirement in 2014 as Chief Inspector and head of the Narcotics, Firearms, and Fraud Department. Sworn in on July 14, 1977, he now dedicates his time to helping the association grow into a supportive hub for retirees. A proud grandfather of a soon-to-be 2-year-old grandson, he finds great joy in caring for the boy and being actively involved in his upbringing. He envisions a future clubhouse that serves both members and the broader community.
APS Pensioner of the Month: Isterida Hasham
Retired, Not Tired
Isterida Hasham’s Joyful Journey After Service
Living Life to the Fullest, One Walkathon at a Time
In our Pensioner of the Month spotlight, we celebrate the vibrant lives of retirees who redefine what it means to grow older. This month, we meet Isterida Hasham, a dynamic and beloved figure within St. Maarten’s retired community. From organizing group trips and island tours to quietly baking up a storm. She proves that life after retirement can be even more active and fulfilling than life on the clock.
EARLY MORNINGS AND ENDLESS ENERGY
“I’m up every morning at 5 a.m. rain or shine!” laughs Mrs. Hasham. “It’s just how I’m wired.” Her day starts with quiet devotion, sometimes followed by a quick game on her phone, one of the few moments she takes for herself before the pace picks up.
Since retiring from the St. Maarten Police Department in 2016, Mrs. Hasham has thrown herself into community life with contagious enthusiasm. As a key figure in the St. Maarten Police Force Retirees Association, she organizes walkathons, domino tournaments, and even oversees international group trips. A recent highlight? A fun-filled excursion to Panama.
“I always say to ‘Keep Mr. Alzheimer away you have to stay active!’”. “And sometimes, our fellow retirees just need a gentle push to get involved.”
ISLAND PRIDE AND HIDDEN TALENTS
When she’s not coordinating events, Mrs. Hasham shares her love for the island by offering private tours to visitors. “Meeting
new people is inspiring. Everyone has a story, and I enjoy hearing every one of them.”
And then there’s her hobby: baking. “It’s just something I enjoy,” she laughs. “I bake cakes and little treats for friends and family. They keep asking for more, but honestly, I can barely find the time as it is!”
FROM RESIGNATION TO LIFELONG SERVICE
Mrs. Hasham’s journey in public service began with humble intentions. She only planned to stay on Sint Maarten for two years. In 1982, she even handed in her transfer letter. But the thenhoofdcommissaris (Chief Police Commissioner) had other plans. “He tore up the letter and said, ‘I know your family is in Aruba but now you will have to make your own family here.’ And she did. Raising two sons: one who became a well-known deejay on the island, and the other who followed in her culinary footsteps and is now a chef in Aruba, her birthplace.
Over the years, she became the department’s indispensable multi-tasker, taking on roles in Immigration, HR, Accounting, and even IT. “Every contract, file, or salary slip people came to me. I knew where everything was.”
Her passion for learning led her to embrace technology early. “We got our first computer in the late ‘80s, and no one wanted to use it. So, I sat down, followed the instructions, and started teaching others. Even now, I’ve taught my husband how to use the computer. He used to type with one finger. Now he’s not bad at all!”
PLANNING FOR PEACE OF MIND
One of the most important truths about retirement is that your income won’t be what it once was. Earning extra money becomes more difficult, and financial options—like taking out a loan—aren’t always as accessible. That’s why it’s essential to prepare well in advance, not just financially, but mentally too. A solid plan helps you enjoy your retirement with less stress and more freedom to focus on the things that truly matter.
WORDS OF WISDOM FOR FELLOW PENSIONERS
Mrs. Hasham believes retirement is not an end, but a new beginning—and preparation is key.
“Be ready mentally and financially. Your income changes, and getting a loan becomes harder. Try to settle big expenses before you retire,” she advises. “Then, take up hobbies. Stay curious. Learn something new. Otherwise, you’ll be bored stiff after the first month!”
Her motto is simple yet powerful: “Stay active. Stay curious. And don’t be afraid to try something new—whether it’s a tour, a cake, or a computer.”
A RETIREMENT FULL OF PURPOSE
For Isterida Hasham, retirement is a chapter of purpose, people, and possibility. She embodies the spirit of resilience and reinvention, reminding us all that it’s never too late to live a life filled with joy and meaning.
The Heart of the St. Maarten Police Force Retirees Association:
Honoring Service, Embracing Community
After decades of service protecting the people of St. Maarten, retirement doesn’t mean the end of duty for the island’s proud police officers. For many, it marks the beginning of a new chapter. One built on fellowship, wellness, and giving back. At the heart of this transition is the St. Maarten Police Force Justice Chain Retirees Association, a dedicated group that ensures retired officers remain connected, celebrated, and supported long after they hang up their uniforms.
Founded on a deep respect for those who’ve served, the Association is more than just a formal group. It’s a living, breathing community of men and women who share a unique bond. Through a wide array of social, cultural, and wellness-based activities, the Association provides its members with a renewed sense of purpose, belonging, and joy.
MORE THAN CAMARADERIE: A LIFELINE AFTER SERVICE
“We believe that retirement should never mean isolation,” says one of the Association’s board members. “Our mission is to uplift our members, keep them active, and help them enjoy the life they’ve worked so hard for.”
This ethos is reflected in the wide variety of events and activities the Association organizes throughout the year. From healthfocused walkathons to festive holiday gatherings, every initiative is crafted with care and with the intention of nurturing both the body and soul.
KEEPING THE SPIRIT ALIVE: ANNUAL HIGHLIGHTS
One of the most anticipated events on the Association’s calendar is its annual Christmas party, a joyful celebration where members and their families come together to enjoy good food, laughter, and the warmth of the holiday spirit. With lively music, heartfelt speeches, and shared memories of days gone by, the Christmas
gathering is a beautiful reflection of unity and appreciation.
Health and wellness are also a top priority. Recognizing the importance of staying mobile and active in later years, the Association regularly organizes walkathons. Gentle, community-based walking events that promote physical well-being while encouraging social interaction. “We walk not just for fitness, but to show that age is not a barrier to movement or participation,” shares a retired officer, now in his 70s, who never misses a step.
Then there’s the domino knockouts favorite among members, where the atmosphere is friendly, but the competition is fierce. These events bring out a different kind of spirit: strategy, laughter, and the joy of classic Caribbean pastimes.
HONORING THE WHOLE FAMILY
Understanding that retirement is a family affair, the Association proudly hosts an annual Family Day, an event designed to celebrate not only retirees but their loved ones as well. With games for the grandkids, food for all ages, and moments of recognition for spouses and partners who’ve stood beside officers throughout their careers, Family Day is a heartfelt nod to the importance of unity beyond the force.
The group also puts special effort into celebrating Mother’s Day and Father’s Day, recognizing the immense role these individuals have played both in uniform and in the home. These events include brunches, small ceremonies, and often, touching tributes to those who paved the way, some of whom are now in their golden years, but always remembered as pillars of strength and care.
A LEGACY THAT SUPPORTS THE FUTURE
While the Association’s focus is on its members, it is equally committed to celebrating the next generation of law enforcement. Members of the Association frequently attend the graduation ceremonies of new police cadets, a symbolic act of passing
the torch. Retirees show up in full support, offering words of encouragement, pride, and mentorship. It’s a moment of connection across generations where experience meets aspiration.
“Our presence at these graduations is a reminder that this profession is a lifelong commitment,” notes a senior member of the Association. “Even in retirement, we have something to offer wisdom, perspective, and encouragement.”
EXPLORING THE ISLAND, THEY SERVED
After years of patrolling the streets and protecting neighborhoods, what better way to reconnect with the land they served than through organized island tours? These leisurely outings allow retirees to explore new corners of the island or revisit old haunts with fresh eyes. They foster appreciation for the island’s beauty, history, and community spirit, and they often turn into days filled with laughter, storytelling, and rediscovery.
A CIRCLE OF SUPPORT
Beyond the events and outings, the St. Maarten Police Retirees Association functions as a vital support system. It provides
The Heart of the SPFRA
a safe space where members can talk openly, share advice, or simply spend time with people who understand the unique life that comes with police service. Whether it’s helping a member navigate healthcare options, supporting someone through a loss, or organizing group visits to a hospitalized peer, the Association ensures no one is left behind.
It’s a place where long-held bonds are rekindled and where new friendships blossom.
COMMUNITY FIRST, ALWAYS
What sets the St. Maarten Police Retirees Association apart is its unwavering commitment to human connection. In every celebration, every walk, every game of dominos, and every heartfelt tribute, the Association affirms its core belief: that those who have dedicated their lives to protecting others deserve lives full of dignity, recognition, and joy in their retirement.
As the island community continues to grow and evolve, this organization remains a powerful reminder that service doesn’t stop when the badge is set down. It simply changes form. It becomes mentorship, friendship, and celebration. And that kind of service is timeless.
Money Matters Financial Advice for Retirees
Retirement brings freedom, but also financial questions. Whether you’re living off government pension alone or supplementing it with private income, smart financial habits become more important than ever. For retirees in St. Maarten, this means understanding your pension sources, keeping up with APS updates, planning for longevity, and spending wisely.
Here’s a comprehensive guide that blends trusted insights from APS (Algemeen Pensioenfonds Sint Maarten) with practical financial advice designed to help you protect your peace of mind and your pocket.
1. UNDERSTAND YOUR INCOME SOURCES
In retirement, your income is generally fixed but knowing where it comes from and how it changes over time is essential.
• AOV (Algemene Ouderdomsverzekering) – This is your government pension, available after a qualifying number of years living and/or working in the Dutch Kingdom. It’s a social benefit meant to guarantee a basic level of retirement income.
• APS Pension – If you worked in government, semi-government, or other qualifying institutions, you’ll receive a second pension from APS. This is based on your years of service and salary history.Together, AOV and APS form your base monthly income.
• Private Income – If you’ve invested, saved, or run a small business or rental property, this adds a third stream, often critical in maintaining your quality of life.
Understanding how these pieces work together, your first step is in planning a stable retirement.
2. APS PENSION: WHAT YOU NEED TO KNOW
APS provides annual pension statements listing your benefit amounts. It’s important to:
• Review each statement thoroughly
• Report errors or discrepancies early
• Track whether your pension has been indexed (adjusted for inflation)
APS manages investments and actuarial assumptions that determine whether your pension can grow from year to year.
In recent years, APS has made strong progress:
• 2024: Pensions were increased by 2.1% based on improved coverage.
• 2025: A second increase of 3.61% was announced due to strong financial performance and a coverage ratio above 114%.
These adjustments are not automatic; they depend on market performance, sound fund management, and regulatory requirements.
APS is currently led by Acting Chairperson Robert-Jan James, working alongside the management team to navigate global and local economic challenges while maintaining the fund’s stability.The fund remains committed to transparency, responsible investment, and protecting the purchasing power of retirees.
3. PLAN FOR LONGEVITY - YOU MIGHT LIVE LONGER THAN YOU THINK
Many retirees underestimate how long they’ll live. But with better healthcare and quality of life in St. Maarten, it’s not uncommon for retirees to live into their 80s or even 90s.
That means your retirement income may need to stretch for 2530 years or more.
To avoid outliving your savings:
• Keep essential expenses below your guaranteed income
• Avoid large lump-sum spending without careful planning
• Consider setting aside an emergency fund that you don’t touch unless absolutely necessary
Longevity is a blessing, but it requires smart money habits.
4. TRACK AND CONTROL MONTHLY EXPENSES
Once your income is fixed, your power lies in controlling your spending
Common overlooked expenses:
• Medical deductibles or prescriptions not covered by insurance
• Travel or family obligations (especially helping children or grandchildren)
• Home repairs or upgrades
• Subscriptions, memberships, or apps you don’t use
Tip: Review your bank and card statements every 3–6 months to find small leaks. What seems minor can add up over time.
5. DIVERSIFY SAVINGS AND KEEP A LIQUID EMERGENCY FUND
While your pensions are your foundation, it’s wise to maintain additional savings:
• Basic savings account (for liquidity)
• Fixed deposits or certificates (for mid-term goals)
• Investment accounts (for long-term growth, if risk-tolerant)
Avoid putting all of your retirement savings into non-liquid assets (e.g. land or property that’s hard to sell). You want at least 3–6 months’ worth of expenses in cash or easily accessible accounts.
6. AVOID UNNECESSARY DEBT OR “HELP LOANS”
Many Caribbean retirees, out of love or obligation, co-sign loans or lend large sums to relatives. While generosity is admirable, it must be balanced with caution.
• Be clear: Can I afford this without impacting my basic needs?
• If not, consider alternatives: offering small help or guidance instead of full financial support.
• If you do lend money, write a simple agreement, even among family.
Your retirement years should bring peace, not pressure.
7. UNDERSTAND INDEXATION AND APS FUNDING HEALTH
APS only adjusts pensions upward (indexation) when the coverage ratio exceeds 105%. While things are strong now, this can change with the global economy or local investment conditions.
In 2022, APS dipped below that line, creating some uncertainty. But by 2024, sound management pushed the ratio back above 114%. The increases retirees received in 2024 and 2025 were a direct result of this rebound.
Reminder: Stay informed by checking APS newsletters and attending pensioner information sessions. APS’s transparency is a major asset.
8. DON’T WAIT UNTIL CRISIS TO SEEK FINANCIAL HELP
Many retirees only speak with a financial advisor once something has gone wrong—debt, medical bills, or loss of income.
Instead, meet with a professional when things are stable:
• They can help you stretch your money
• Guide you on safe, low-risk investment options
• Help plan for eventualities like declining health or legacy planning
If hiring a financial advisor feels expensive, consider reaching out to APS first. They offer guidance or may refer you to a qualified expert.
9. GIVE YOURSELF ROOM TO ENJOY LIFE
Financial planning isn’t just about control; it’s also about confidence.
Build into your budget a little room for enjoyment:
• A monthly “fun” amount
• Occasional travel or dining out
• Hobbies, learning, or wellness activities
Retirement isn’t about pinching every penny. It’s about living comfortably within your means and enjoying the freedom you’ve earned.
10. FINAL THOUGHT: PEACE OF MIND IS PRICELESS
Planning for retirement is more than numbers; it’s about creating the life you want. It’s about knowing that your bills are covered, your savings are protected, and your peace of mind is intact. Many retirees in St. Maarten have expressed that just having a plan, even a simple one, can lift a huge emotional burden.
One powerful way to plan is to write down your “retirement priorities.” These might include maintaining independence, enjoying travel while healthy, helping grandchildren with education, or even giving back through volunteering. Once these are clear, you can allocate your finances accordingly.
Too often, we associate retirement with decline, but it can also be a stage of reinvention and contribution. When your financial life is in order, it frees up your time, energy, and creativity to focus on what truly matters.
Money matters in retirement, but so does peace of mind. By staying informed, living within your means, monitoring APS updates, and making smart decisions, you don’t just protect your finances, you protect your freedom.
The future is more secure when you know where you stand, what you can expect, and how to adapt.
Resources:
APS Official Website
Government AOV Info
[Local Financial Planning Workshops & Advisors]
[Credit Unions & Pensioner Services]
The Quiet Contributions of Mr. Schotborg
Elgin “Scotty” Schotborg doesn’t say much, but when he acts, people listen. Over the course of five decades of service to the people of St. Maarten, he has built a reputation for professionalism, humility, and steadfast commitment, both in uniform and behind the scenes.
Scotty joined the St. Maarten police force in 1973. With focus and quiet discipline, he rose through the ranks and eventually retired as Inspector in 2010. But one of his most pivotal roles came outside the station: for many years, he was in charge of the Im-
migration Department at Princess Juliana International Airport, one of the busiest and most sensitive operations on the island.
Known as a meticulous and serious police manager, Scotty led with precision and calm. While he never sought attention, he always treated others with respect and led by example. Colleagues and community members alike came to rely on his clear judgment and steady leadership.
But his legacy doesn’t end there.
In the earlier years of his career, Scotty was a founding member of the St. Maarten Police Sports Organization, which later evolved into the Police Sports Association. His passion for sports wasn’t just about competition, it was about building camaraderie, improving morale, and bringing the wider police community together.
Alongside the late Churchill Marsdin, Scotty played a vital role in organizing the annual Police Week games. Together, they raised funds, coordinated travel, and handled logistics to ensure that St. Maarten officers could both host and participate in Police Week events across the former Netherlands Antilles and Surinam. These weren’t small undertakings. Hosting the games in St. Maarten was a major milestone, one made possible by Scotty’s quiet but determined leadership.
Even in retirement, his sense of responsibility never faded.
In May 2021, Scotty was elected Treasurer of the St. Maarten Police Force Pensioners and Retirees Association, a role he continues to hold with diligence and integrity. In this capacity, he manages the financial affairs of the Association, ensuring transparency, accountability, and stability. His professionalism and seriousness have earned the trust of both the board and the justice chain community, who describes him as “Professional and deeply committed to doing things the right way.”
A Legacy of Leadership
Today, Scotty continues to serve, not for recognition, but because service is simply who he is. He brings the same discipline and care to the Association’s finances that he once brought to immigration and inter-island sports coordination. Whether managing the books or helping to shape the future of the Association, his presence is both grounding and reassuring.
Elgin “Scotty” Schotborg is a man who gets things done, not with noise, but with quiet strength and unwavering purpose. His contributions may not always make headlines, but they have made a lasting difference in the lives of his colleagues, his community, and the retirees he continues to serve.
Top 10 Tips for a Happy Retirement
Wisdom from Our Retirees, Backed by Experience
Retirement is a milestone, a time to slow down, reflect, and reset. But it also comes with challenges that no uniform or badge ever prepared us for. Thankfully, many members of our Association, along with the reflective writings of Mr. Ezequiel Josepha, have shared timeless advice on how to navigate this next chapter with grace, joy, and purpose.
And they’re not alone. In this article, we’re also guided by insights from Chief Edward Jacobs, Elgin Schotborg, Turhan “Pico” Simmons and Isterida Hasham, voices of service who remind us that retirement isn’t the end. It’s the beginning of something powerful and new.
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Here are 10 well-earned insights to help you make the most of your golden years.
PLAN AHEAD - DON’T WAIT
Mr. Josepha reminds us that pension planning is often neglected, and the consequences can be lasting. “It’s not all cut and dried,” he writes. Many pensioners are caught off guard by reduced income, rising expenses, or even errors in their pension calculations.
The time to plan is before the last day on the job. And if you’re already retired, it’s never too late to reassess. Whether it’s downsizing, budgeting, or settling debts, peace of mind starts with smart decisions.
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STAY ACTIVE - MOVE EVERY DAY
“Experienceachievesmorewithless energyandtime.”
Chief Edward Jacobs, Foreword
The truth is, staying active keeps you engaged, physically and mentally. Many of our members join walkathons, travel in groups, or even take morning strolls. Movement keeps your body working, but it also keeps your confidence up.
And don’t wait for motivation to make it routine. Put on your sneakers and move, even a little.
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AVOID DEBT TRAPS
Retirement should be a time of financial calm, not ongoing pressure. Many retirees face burdens from mortgages, loans, or family obligations that weren’t fully resolved before retirement. Planning and discipline are essential.
Elgin Schotborg, Treasurer of the Association and a retired Inspector, understands this well. His experience leading the Police Sports Organization sharpened his financial and teamwork skills, strengths he now brings to the board. He’s committed to helping the Association grow financially and secure a permanent home for its members.
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BUILD A NEW ROUTINE
When your badge is retired, your daily structure disappears too. Without something to fill that space, even the most energetic person can fall into apathy.
That’s why retirees like Mrs. Hasham start their mornings early with devotionals, phone games, or baking. Others walk, journal, or plan outings. A regular rhythm, even if it’s relaxed, keeps your days meaningful and your mood stable.
Just like team sports, retirement requires strategy, balance, and a clear goal: Peace of mind.
5 STAY SOCIAL - DON’T ISOLATE
“Experienceachievesmorewithless energyandtime.”
Chief Edward Jacobs, Foreword
The truth is, staying active keeps you engaged, physically and mentally. Many of our members join walkathons, travel in groups, or even take morning strolls. Movement keeps your body working, but it also keeps your confidence up.
And don’t wait for motivation to make it routine. Put on your sneakers and move, even a little
There’s no greater gift than being useful. Volunteer at events. Assist a neighbor. Visit the elderly. Show up at a graduation or family day. Giving doesn’t always mean money, it means presence.
You’ll be surprised how much life flows back into you when you offer your time or attention to others.
Your experience didn’t retire when you did. In fact, it’s needed now more than ever.
Just ask Turhan “Pico” Simmons, who served as head of the Narcotics, Firearms, and Fraud Department. In his article “Protecting Our Elders,” he reminds us that scams targeting senior citizens are on the rise, and that retirees must remain vigilant, informed, and proactive in protecting one another.
By sharing what we’ve learned whether it’s through fraud prevention, financial planning, or simply guiding someone through retirement, we turn experience into a tool of empowerment.
Mentor a young officer. Help someone read their pension paperwork. Speak up if something feels off. You’ve walked the beat, signed warrants, and made arrests, you know the signs. Don’t keep that insight to yourself.
Every lesson you’ve learned is a light for someone else’s path. Retirement is not withdrawal it’s re-engagement.
7 PROTECT YOUR MIND
Mr. Josepha warns us that many pensioners spiral mentally because they weren’t prepared for the emotional shift of retirement. Use your mind daily. Learn a skill. Bake, write, teach, or read. Even teaching your spouse or grandchild how to use a computer (like Mrs. Hasham did) is a mental workout that builds joy and self-worth.
Don’t let your sharpness fade in silence. Keep your mind moving, just like your feet.
9 CELEBRATE THE SMALL THINGS
A warm meal. A strong breeze. A grandchild’s laughter. These are the moments that too often go unnoticed in our working years, and yet they become the richest treasures of retirement.
Keep a gratitude journal. Take photos. Light a candle. Remember: it’s not about doing more. It’s about noticing more.
Retirement isn’t the end of your story. It’s the beginning of a new kind of service to yourself, your family, and your fellow retirees. Let the wisdom of men like Josepha, Simmons, Jacobs, and Schotborg serve as your compass.
You’ve stood shoulder to shoulder in uniform. Now you stand together in community.
“Stay active. Stay curious. And don’t be afraid to try something new.”
— Isterida Hasham
Chief Edward Jacobs, Foreword
Gratitude transforms our perspective. Even in the face of change, loss, or limitation, there’s always something to honor. Each day is a gift, and a chance to live with dignity and joy.
Start each morning with a thank you. You’ve earned this season.
HIGHLIGHTS & EVENTS
Whether waiting for a plate or wiping one clean, the gentlemen and ladies of the St. Maarten Police Retirees Association flash their best smiles in true squad style — Association polo shirts on, spirits high, and cameras ready! Meanwhile, the Association’s board stands tall and proud of a quick formal snap between laughter and the legacy.
ASSISTING THE ELDERLY
Members of the St. Maarten Police Retirees Association share warm smiles and kind words during their heartfelt visit to the elderly at the Red Cross Belvedere building — a touching gesture of compassion, reminding all that service to the community continues long after retirement.
CHRISTMAS 2023
In this festive 2023 moment, members of the St. Maarten Police Retirees Association and their spouses share a joyful Christmas dinner. Surrounded by laughter, love, and warm holiday spirit, the evening celebrates lasting friendships and the enduring bond of service and togetherness.
CHRISTMAS 2024
Captured in this joyful 2024 moment, the St. Maarten Police Retirees Association and their spouses celebrate Christmas with hearty laughter, festive cheer, and unforgettable memories. The room sparkles with holiday spirit, as plates are filled, glasses raised, and hearts warmed by the joy of togetherness and shared tradition.
DOMINOES KNOCKOUT
Laughter echoes and dominoes slam in this lively snapshot of the St. Maarten Police Retirees Association’s Domino Knockout Fun Day. Surrounded by family, friends, and guests, the competitive spirit is high and the energy contagious — an unforgettable day of friendly competition, bonding, and nonstop fun for all ages.
FAMILY DAY 2023
Smiles were everywhere at the St. Maarten Police Retirees Association’s Family Fun Day! With music, laughter, and a giant inflatable house keeping the kids bouncing with joy, families came together for a day filled with games, great food, and unforgettable memories for all generations.
GRADUATION OF NEW POLICE OFFICERS
Under a grand tent filled with proud guests and uniformed officers, the St. Maarten Police Retirees Association joins in celebrating the newest police cadets. Smiles, handshakes, and heartfelt congratulations capture the moment as generations of service come together to honor the future of the force.
ISLAND TOUR
The St. Maarten Police Retirees Association enjoys a heartfelt island tour, taking in familiar sights with fresh eyes. Strolling, chatting, and reminiscing, members share stories of their years in service, laugh over old memories, and embrace the joy of companionship on the island they proudly served.
FATHER’S DAY 2023
Dressed down in jeans and polos, the gentlemen of the St. Maarten Police Retirees Association kick back at a local Chinese restaurant for their 2023 Father’s Day celebration. Plates piled high and laughter even higher, they savor tasty bites and great company — proving that good food and good friends make the perfect recipe for a memorable day!
MOTHER’S DAY 2023
In their finest outfits and radiant smiles, the lady members of the St. Maarten Police Retirees Association shine bright at the 2023 Mother’s Day celebration. Gathered around a beautifully set table in a spacious restaurant, they share laughter, stories, and plenty of fun — proving that elegance and good times go perfectly hand in hand!
FATHER’S DAY 2024
In a laid-back restaurant setting, the gentlemen of the St. Maarten Police Retirees Association gather for their 2024 Father’s Day lunch, filled with laughter, stories, and friendly exchange. It’s a fun, feel-good celebration of brotherhood, shared memories, and the lasting bond forged through years of service — and plenty of good food!
MOTHER’S DAY 2024
Celebrating their 2024 Mother’s Day lunch with joy, laughter, and heartfelt connection. Seated around a full-length table filled with delicious local dishes, lady members enjoy each other’s company, many leaning in with big smiles to be part of the photo. A vibrant banner in the background captures the festive spirit of the day.
FATHER’S DAY 2025
In a warm, inviting restaurant setting, the gentlemen of the St. Maarten Police Retirees Association gather for their 2025 Father’s Day dinner. Dressed casually and smiling proudly, they stand together for a group photo in front of a bold “Happy Father’s Day” banner, celebrating brotherhood, service, and the bond they still share.
MOTHER’S DAY 2025
The St. Maarten Police Retirees Association celebrates their 2025 Mother’s Day lunch with laughter, love, and lively conversation. Seated around a full-length table loaded with flavorful local dishes, members enjoy each other’s company while playfully leaning in to be captured in the photo. A colorful banner in the background proudly highlights the spirit of the occasion.
WALK TO PREVENT IMMOBILITY
Energy and anticipation fill the scene as the St. Maarten Police Retirees Association prepares for their renowned “Walkathon to Prevent Immobility.” With colorful banners waving and large tents buzzing with excitement, over a hundred men, women, and children gather to support active living. Laughter echoes as a lively group poses proudly for a quick pre-walk photo.
They may not wear the badge anymore, but their commitment to service is as strong as ever.
When we talk about the heart of the St. Maarten Police Force (Justice Chain) Retirees Association, we often think of walkathons, reunions, and community outreach. But behind every event, every act of support, and every decision that shapes the future of the Association, are people who continue to lead with humility, heart, and quiet determination.
Three such individuals, Louella Marten, Norwin Villarreal, and
Willy Wiel-Williams remind us that real leadership isn’t always loud. It’s often quiet, steady, and consistent shaped not by titles, but by character.
Louella R.M. Marten, The Bridge-Builder
With 38 years of public service behind her, Louella Marten retired as a Supervisor in the Immigration Department. But “retirement” isn’t the word she’d use to describe her current life. As Assistant Secretary of the Association, she remains one of its most social, connected, and community-minded voices.
Louella has always been a people-person. Whether working across departments or greeting members with a warm smile, she brings familial energy to every gathering. Her greatest hope? That the Association secures a dedicated clubhouse, a place where retirees and the wider justice community can meet, mingle, and host meaningful programs.
“I believe in staying active and connected,” she says. “The clubhouse wouldn’t just be a building. It would be a home for all of us and a bridge to the community.”
In meetings, Louella is known for her attention to detail and collaborative approach. But ask anyone who’s worked with her, and they’ll tell you: she brings more than administrative skills, she brings soul.
Norwin VillarrealThe Founding Heart
If there’s one word that follows Norwin Villarreal wherever he goes, it’s compassion. After 43 years of distinguished police service, he retired as an Inspector, but that didn’t stop him from showing up for others.
One of the original founders of the Association, Norwin’s vision, helped turn an idea into a movement. He was there at the beginning, not for recognition, but because he saw a need and chose to answer it. Today, as Commissioner of the Association, he remains a steady force, offering his time, wisdom, and support in times of need.
“He’s the one who checks in on you when you’re not feeling well,” a fellow member shared. “He may not say much, but you know he’s there.”
Norwin’s dream mirrors Louella’s: a permanent clubhouse that serves not just members, but the next generation. He hopes that one day, young officers and justice workers will feel just as connected and supported when they transition into retirement.
“To me, retirement isn’t about stepping away. It’s about stepping into a new kind of service,” Norwin says. “We’re still a family, and families look out for one another.”
Willy Wiel-Williams Steady Hands, Caring Heart
Affectionately known as Wilma, Willy Wiel-Williams is the Assistant Treasurer of the Association but don’t let the title fool you. She’s more than a numbers person. She’s a mother figure, a supporter, and a steady presence through every high and low. Willy began her public service career in 1986 as an administrative clerk and graduated from the Police Academy in 1992. By the time she retired as a Major in 2018, she had already built a reputation for unshakable dedication, especially during times of crisis. She is fondly remembered for her selfless efforts during Hurricanes Luis and Irma ensuring that officers were safe, accounted for, and supported. That same level of care now flows into her work for the Association.
Whether she’s helping balance the books or lending a listening ear, Willy’s strength lies in her reliability. Her love for travel, sports, and uplifting others brings an energy that quietly inspires. “My hope,” she says, “is that we create a clubhouse filled with life a space for cooking classes, social events, family gatherings, and wellness sessions. We gave our best in uniform. Now we deserve a space where we can live our best.”
More Than Titles
Louella, Norwin, and Willy represent three distinct journeys, but they share a common belief: retirement is not an end, it’s a continuation of purpose.
They don’t seek applause. They don’t lead for prestige. They simply serve, quietly, consistently, and wholeheartedly. Their efforts
may not always make headlines, but they shape the very soul of the Association.
They are the ones ensuring the domino tables are set up, the calls are returned, the events are planned, and the spirit of community never fades.
And while their strength may be quiet its impact is loud and lasting.
Preface for Pension… What’s Next Essay
By the Association
Retirement is a milestone we all aspire to reach, but it’s also a transition that brings with it a mix of hope, uncertainty, and unanswered questions. In this our first edition of Pension…What’s Next? magazine, author and longtime civil servant Mr. Ezequiel A. Josepha offers a courageous, honest, and deeply personal reflection on what retirement really looks like for many in our communities. His words are not meant to instill fear, but rather to break the silence on the overlooked struggles retirees often face—financial insecurity, health challenges, and the psychological impact of leaving behind a life of work and duty.
Some may perceive the tone of Mr. Josepha’s essay as sobering, but that is precisely its strength. For too long, the more difficult truths have been left unspoken: pensions that fall short, insufficient preparation, and systems that fail those they’re meant to support.Through his candid voice, Mr. Josepha challenges readers to confront these realities and take meaningful steps toward a more secure future while there is still time.
Yes, this essay is based on one man’s experience, but that experience echoes the reality of thousands who were never given a proper roadmap. Mr. Josepha’s perspective is not the only voice, but it is a vital one. And this first edition is just the beginning. It invites future editions and contributors including from health insurers, pension funds, and financial experts to expand the conversation with tools, tips, and success stories that can inform and inspire.
If we are to uplift our current and future retirees, we must be willing to face both the pitfalls and the possibilities. Pension…What’s Next? is not a manual, it is a mirror. And we thank Mr. Josepha for holding it up, so others can start preparing with greater clarity, urgency, and purpose.
— Editorial Team
St. Maarten Police Force Retirees Association
PENSION… WHAT’S NEXT?
By Ezequiel A. Josepha
English translation by Mario Brown, Linguist RETIREMENT, WHAT’S NEXT? -Thanks to Mr. Hans Fangman (pensioner in the Netherlands.) and Robert Antonius (pensioner in Curaçao-Antilles) for their knowledge and contribution to this essay.
RETIREMENT, WHAT’S NEXT?
INTRODUCTION
Before I go into the subject of pension, I want to indicate that I am writing this essay with two goals. Of course, to provide those who have already retired and those who will soon retire with information and advice on how to deal with this “phenomenon”; i.e., to give them a boost. But also, to encourage them to look for information themselves. With Information Technology (IT), the world has transformed to the extent that a wealth of information is immediately available with a touch on a computer keyboard (via the Internet). I have done this myself and at this later stage of my life, I have become much
wiser; I have also made acquaintances and friends.
WHAT’S NEXT? I don’t know if we will all make it to retirement, but when I look around, I see a lot of pensioners. In addition, the number is increasing significantly every year. But retirement, cashing in on retirement, being retired and living as a pensioner, what is that and what does it offer? When I was about to stop working, an ex-colleague gave me a memento to stick on my refrigerator with the inscription: “To retire is to stop living for your work and to start working on your life”. That sounded and still sounds very nice but is that really what it is? Is it true what is meant by this? Is it that easy? Will all retirees make it by following those beautiful words and what is meant by them? - 3 - I don’t think so.
The fact that many and perhaps most pensioners are doing well does not mean that such is the case with all retirees. There are too many factors having bearing on retirement that make it difficult.To begin with, we must admit that those who have acquired the right to a pension and can therefore benefit from it ought to be grateful. But there are far too many who, although they have worked for years, have not been able to build up a pension. For them, that can mean working until death. This might sound a bit exaggerated and too heavy to stomach, but the truth is and remains the truth. The latter has to do with systems in the world of labor that do not benefit employees.
Once, while discussing the need to continue working due to lack of a pension, I explained to one of my brothers that since we worked for different systems, as a civil servant, the privilege of building up a pension was easier for me while he, unless he had made arrangements otherwise, could not rely on a pension. He could try to remedy this in due time by, among other things, seeking employment with an organization that guarantees a retirement package, i.e. an income during the period that he would or could no longer work. Income? You might ask. Yes, income because pension is a benefit on which you must also pay tax.Why
tax is applicable, we will leave aside.
WHAT
IS ‘PENSION’ REALLY? To put it simple: pension is an income that you receive from a fund at retirement age - 60/63/65 years, etc. That income replaces your salary. Your pension comprises three pillars. If we leave out the word pillars, the concept of pension is very easy to understand. However, reality proves otherwise. For many, and certainly for this writer, it is quite a complex piece of legislation because there is so much more to pension. - 4 -
When I started writing about this subject, I did some research on the internet and went through various points which had been drawn up by various authorities and people that are knowledgeable of the subject. Eventually, since we in the Netherlands Antilles and Aruba had very little to offer in terms of information, I turned to the Dutch system. Quite logical, because it is common knowledge that we often use Dutch systems indiscriminately. I wouldn’t know where else to retrieve that information if not from the Netherlands.
I was stunned when I read for the first time about all the roads and detours of retirement. It is no coincidence that many of us, including me, are left behind, and that is partly because we do not bother to read. By not reading, we lack information and therefore misinterpret essential facts.Too many local pensioners, if not the majority, were and still are not sufficiently informed due to the lack of proper explanation regarding the way things work.
Who among us was aware of advice on pension rights and who knew that this possibility existed? The powers that be had simply not bothered to inform us concerning our possibilities. What is meant by pillars? The definition of pillars is simple and quite easy to understand. As established, pillar 1 = the AOW (General Old Age Pension Law) that goes into effect at the legally established pension age, and how it is accrued, etc. - 5 - Pillar 2 is the employer’s contribution to the pension, where it can be accrued and what it will amount to. Pillar 3 is the income that you have personally arranged if you believe that your job pension and Old Age Pension combined is not sufficient. If this is not explained, you will never know the difference, so you will continue to focus
on that one pension that government deposits on your account every month.
How can that be remedied, or how do we learn more and how to go about it? By engaging a Pension Advisor and following his advice. It is pointless to take such action when you are already retired. This must be done years before you take the irreversible step into your future world of retirement. So, a pensioner or someone who enjoys a pension can be qualified as someone who, during his working years (makes no difference where or for whom) has managed to keep collecting a salary after dismissal or retirement until he leaves this world. The amount that he receives is determined by what he was worth during his last year of work, up to a maximum of 70 (?) percent thereof. This applies to civil service more than to any other employment venue. You might say that writing about this and explaining how it functions is redundant, that it is common knowledge.
However, the significance of a pension is not limited to your receiving a monthly sum (which you are certainly entitled to). I want to elaborate on the latter as pensioner and indicate that it’s not all cut and dried and that all pensioners are not equal. I also want to make the following abundantly clear to those that come across this document and know or think that what is being discussed here does not apply to them: you are most welcome to ignore it. - 6 -
I urge those that feel addressed, and certainly those that are on their way to retirement, to examine it. Perhaps you can identify with some of its passages. On January 18, 2001, the director of the Bank of the Netherlands Antilles gave a lecture that focused on “Pension”. I believe that those who, until that moment had little or no notion of what pensions entail, had at least been given an incentive to look for more information about pensions and gain more insight. The explanation in question was quite late but still necessary and welcome. This lecture can still be located on the internet under “Pensioen”. Toespraak van ….Directeur Bank van de Nederlandse Antillen tijdens de pensioenmarkt georganiseerd door Interamo, 18 januari 2001.
In 2003, when I retired, I wrote a “booklet” about pensioners titled: “PENSHON... AWO KICO Y CON”.The reason why I now write in Dutch rather than Papiamento comes down to this. The booklet was written in Aruban Papiamento, leaving many persons wondering why not in Curaçao Papiamento. To avoid that controversy, I have decided to write in Dutch. That way I could stick to one orthography. It is the intention to produce a translated volume when the possibility arises. In 2003, I thought I knew so much about the reality of a pensioner. I was also guided by the person who proofread the document (no fly in the ointment there, but a different approach could have been taken).
Now, after years of experience as a pensioner, I have gained firsthand experience of how many pensioners struggle through the rest of life. I now have more knowledge, and I have expanded on my references and ideas. In a recent book titled “Closure”, I also
wrote something in brief about the pensioner, albeit somewhat sarcastically. - 7 -
I tried to examine different aspects of retirement and even studied some of them thoroughly. The community that I now live in has taught me what a pensioner should never be by any intent. If any of us should be inclined to believe that we are not faring well as a pensioner, we need to hear the stories from this perspective. In this setting it is common for a person to continue working until the age of eighty or even beyond because otherwise he/she would not be able to afford normal living conditions. Outrageous, you might say. Over the years, by staying in touch with my peers, I have been able to ascertain from photos that something terribly wrong is happening to our age group. I can’t decipher exactly what it is, and I recoil from asking people that I know or who have experienced this calamity personally.
A recent photo I saw of colleagues shocked me because I couldn’t recognize some of them right away. Although we all age with time, I immediately detected that many had set a rapid pace. In addition, it has happened several times in recent years that too many of my former colleagues have been admitted with serious illnesses, some even terminal. It really got me thinking and I even got scared. What is the real problem? Is it due to their lifestyles or is it nature that has taken over their lives and now determines this? Has life become tougher, is it exerting too much pressure on them? Many of those that (fortunately) do not belong to this group also believe that something is wrong.
If you get too personal and start asking direct questions of those involved, you usually get the feeling that they don’t want to talk about it. It is also understandable because there are matters that are too personal to be discussed with outsiders. I respect that too; however, my concern lingers. - 8 -
From contact with my ex-colleagues and sporadic photos I observed and concluded that far too many of them continue to work beyond the age limit. This triggered many questions. My first question was whether the situation was indeed that dire that so many were compelled to continue working to afford a
reasonable existence. Surely, it could not be that missing their former occupation was so pressing that they chose to continue.
On the other hand, everyone should be aware that the sum one receives as a pensioner cannot be equated with a salary. A salary is at least 25 percent higher than a pension. In addition, a salary normally comes with several extras that make the salary attractive, such as an annual holiday allowance, salary adjustments, etc.; These so-called incentives are not part of a pension. Is it their lifestyles and overestimation of their possibilities that compel them to continue working? Is it because some have made inadequate preparation, not considering the difference between retirement and full employment?
The questions are abundant, and new questions keep popping up. In the booklet that I wrote at the beginning of my retirement, I mentioned several points in a section with the heading: “E perdicion” di hopi pensionado”, literally translated “The perdition of many pensioners”. Perdition is an ugly word, but it speaks volumes. In writing that section, I hoped to hit the nail on the head and issue a warning about what could go wrong. I was, and still am, very much aware that many will not admit that they were stubborn and did not anticipate the possible consequences of wrong decisions. “It’s going to be alright” they thought. - 9 -
I’ve limited the “perdition” topic to 7 points. Whether there are
more points is up to up to the discretion of the reader according to his/her priorities regarding importance. Before mentioning these points, I must emphasize that every working person on the road to retirement must start a preparation plan way ahead of time. Everyone needs to know when the time comes to put his/her affairs in order. I know it’s easier said than done as I have experienced it myself. I daresay that in the Antillean and Aruban system, preparing an employee for his/her upcoming retirement is not regulated, or at least not yet sufficiently deployed. This is not a trifling matter; in fact, it is essential, because the termination of the employment that you have enjoyed or the end of the period that you have spent as an employee, civil servant and the like sometimes comes quite suddenly.
There is a wide gap that is sometimes too difficult to deal with. The function that you have always performed with (hopefully) so much love disappears from your life. It’s not just the loss of time input; psychologically, your life is turned upside down in more ways than one. Something that you have made your own is ripped away from you. This applies to people that had their job at heart and enjoyed doing what they did. I’m not talking about those who used the job as a pastime and were looking forward to continuing their practice of doing nothing. Among industrious workers you’ll always find a few that ought to have spent their time somewhere else; they can be found everywhere.
The 7 points that must as warning signs are the following:
- Too much debt or debts that have not been paid off for a long time; most of us have incurred debts over the years, for example in connection with purchases, etc., and therefore have debts with a bank or other institutions. - 10 -
- Children that are too young and/or school-age: Fathering children at an advanced age can cause headaches and if one normally must retire at the age of 60, children conceived after the age of 40, for example, are a heavy burden. When the parent reaches retirement age, these children are still young and are usually still in school.
- High mortgages that must be repaid (there is nothing better than having mortgages settled by the time you retire. If you settle earlier, you will be able to save the money that you would normally have to pay).
- Too many live-in relatives:There are cases in which, in addition to the children, other family members live with you as part of the household. The cost of supporting these family members must be considered so as not to cause problems.
- Discrepancies in the calculation of retirement income may seem impossible, but it is still possible that mistakes were made in specifying your pension; it happened to me Therefore, it is important that you are aware in due time and check whether your pension has been calculated correctly. During the working years, not enough attention is paid to the accumulation of pension and at the last minute you may just have a rude awakening. Mistakes made during the earlier years will be passed on to you when you arrive at your pension. Bear in mind that Old Age Pension (AOV) that differs between the islands.
- Pensioners that plan to live abroad should be aware of what is in force in their future habitat/country. Think of the difference in currency. Think before you invest. To avoid setbacks, one should think of admission requirements, stability of the economy of the country, living conditions, etc.). - 11 -
- Carrying out risky plans (unless you have really saved up to carry out elaborate plans such as: building a new house, buying a brand-new car, expensive travel/world trips, etc.) can go wrong and cause problems for the rest of your retirement.
These points are the most important for me and they are points that you should consider. My recommendations are focused on our (Antillean) pensioners; it is quite possible that pensioners elsewhere have a better life or do not encounter these issues or that for them a different system applies.
From the beginning, though I’ve made too many mistakes in planning my pension, I have made inquiries and understood why so many of our pensioners must continue working. And believe me, it’s not that difficult to discern where it hurts most. A grave question weighs heavy on my mind and it makes me want to leave everything behind, stop worrying and just accept what comes my way. Does the system of introduction of pensions have anything to do with the lifespan of our pensioners? How long can we as pensioners enjoy the so-called healthy life/retirement years? If
we look at what has been determined for us as the average lifespan, we can count on 78.3 for the man and 83.2 for the woman. I linger on how this statement was arrived at or to what extent it is in line with reality. Does that also apply to us in the tropics and to our lifestyle? I don’t think so, but we’ll let that rest for a while.
Isn’t it time that some person or institution launches an investigation so that we on these islands could also have a guideline regarding the lifespan that we can apply? And why not, in the same enquiry, point out how our pensioners are doing and whether it benefits us or not? Who knows, maybe we will find a way to contribute to areas that need improvement. - 12 -
For the time being, we must make do with a system that is used elsewhere, where studies have been conducted. These sources are available to all of us via the Internet and I suggest that all, if not most, pensioners should be informed about them. Reading is knowing. I cringe when reading the following from sources abroad:
- Almost half of the pensioners cannot make ends meet.
- Four out of ten do not manage with their pension payments.
- Some pensioners cannot make ends meet.
- 4 out of ten retirees have reached the bottom.
- Pensioners suffer. AND
- New generation of pensioners doubly affected.
What is all that due to? Are we pensioners to blame for this? Are there ways or systems that can help us get a fairly accurate answer to these questions and make matters function differently?
To adjust your idea a bit, I quote excerpts from an English document that reads as follows. Quote: “Retirement is making people more miserable than ever” - 13 - “More retirees than ever say they are ‘not at all satisfied’ with retirement, according to a study published this year(?) by the Employee Benefit Research Institute, etc.
The number of retirees reporting just moderate satisfaction with their retirement increased from 31% to 40% and those that are completely dissatisfied with retirement climbed above 10%, higher than the less than 8% recorded in 1998. Meanwhile, the number of retirees that say their retirement is “very satisfying” has dropped from 60.5% to 48.6% in 2012, the first time it ever dipped below half. The researchers did not investigate the reasons behind these dips in satisfaction, but other studies suggest that some of the reasons may be financial, etc.
Whatever the reasons for this significant dip in retiree satisfaction may be, one thing is clear: there are many ways to ensure that your retirement is satisfactory. Here are a few. - Stay connected socially. For example, building up a circle of friends can be extremely rewarding because new people can open your mind to new experiences and broaden your horizons. Try keeping most of your social interactions face to face, and don’t rely exclusively on telephone or email messages for those are not as emotionally
beneficial as personal contact. - Find things you like to do. It may sound counterintuitive, but the happiest retirees are the ones that keep themselves busy. Keeping yourself busy could range from a new career to a weekly bridge game or regular vacations. Following interest and passion can add years to your life, and joy to your golden years. Plan how you will use your time. Fewer than 10 people make plans for their personal activities, travel and recreation time in retirement. Without adequate planning, you’ll lack structure, and that will make you feel that you have little personal control over your life. - 14 -
That feeling can make you less motivated to do interesting things in retirement, and then things spiral downward from there: reluctance to act can lead to negative feelings about retirement, which in turn can lead to depression and weaken your emotional wellbeing.” Unquote. The part “Plan how to use your time” immediately reminds me of the magazine I introduced in November 2014 titled: “Time Used-Pastime or Lost Time”. Are there ways or systems that can help to steer it to the point where this question elicits a correct answer and things work out differently? In my booklet published in 2003, I thought I was indicating or rather inquiring about your plans and what yet needed to be done for you to really enjoy a well-deserved retirement including many years of good health. Most of us think that we have it all figured out and that everything will run smoothly.
The assumption is that many are doing well; however, there have been drastic changes and by all indications the situation is getting worse. Far too much of what happens to us is not by our design and, in other matters, we lack the authority to guarantee a smooth course. One of the toughest and most unpleasant experiences we encounter is that everything around us is becoming more expensive but that our pension income remains stagnant. I make it a habit of keeping track of my expenses every month and when I compare them with previous years it is frightening. It doesn’t make a difference where you live. It is common knowledge that cost of living is very expensive on the six Dutch Caribbean islands. Don’t rush to make comparisons with poverty-stricken islands/countries; this distraction is used too often to alleviate our complaints. Because we, as small islands, are dependent on quite a lot from abroad, it is logical that we are stuck with a higher price tag. - 15 -
For us, there are no comprehensive ways of saving us from a disproportionate cost of living.Who knows, maybe we should abandon our excessive lifestyle: living beyond our means, keeping up with the Joneses, i.e. hanging our hats too high. Generalization aside, one may argue that we go through life like spoiled children. All attempts to teach us that living frugally is no disgrace have failed. Therefore, we have nobody to blame but ourselves. Like other subjects, pensioners can be divided into different groups.
1. Those who, for one reason or another, are sufficiently well off to go through life comfortably without any problems.
2. Those who have been able to build up a savings system that provides them with enough scope to manage without worrying.
3. Those who, given their income, will enjoy an adequate but still quite moderate pension.
4. Those who must go through the rest of their lives with an inadequate pittance. I’ve deliberately refrained from mentioning those who cannot and will not enjoy pension payments. They are doomed to continue working until they die or become beggars. .
Can we ensure during our working years that we do not face unnecessary hardships when we reach retirement age? I believe we can, but that can differ on a relative scale from person to person. In the first place, your pension is calculated based on your last income and therefore, as mentioned earlier, usually amounts to 70 percent of that last income. Therefore, low income entails low pension. Can a low pension payment at retirement be remedied? Certainly, there is a possibility, but that requires some serious saving during your working years. - 16 - Now, the question is how to save if your income is so low that there is no room left for saving? There are means to manage that, but I won’t venture into that discussion. To submit yourself to starvation and lead a miserly existence just to afford the enjoyment of a substantial pension later is not the intention. So, we are stuck with low income and perhaps inadequate, low pension. Personally, I don’t think this can be remedied with a snap of the finger.
For those who are currently living as pensioners with an inadequate pension, there’s no way out. Miracles can still happen, but it is reasonable to assume that there are no miracles to remedy a pension that is too low. Can we, nevertheless, motivate our future pensioners, i.e. those for whom it is not yet too late? The ‘how’ and ‘what’ still need to be figured out, but it is possible. An ex-colleague of mine (RIP) explained to me, during my final working years, a system that got me thinking and, who knows, maybe it is a system for those who still have time and opportunities to engage. One day we were talking about saving and its possibilities. The question was whether we could really save with our salary. His answer and his method of saving made me contemplate whether his claim is actually feasible. He claimed that he had maintained and had always built up a bank debt for years.
According to him, it works. He took a loan from the bank and paid monthly instalments and interest as usual. The amount he had to repay depended on how much he had borrowed. According to him, over time, he got so used to what he had to pay off that he no longer felt it. - 17 - He deposited the money he had borrowed from the bank into another bank account and that money accumulated interest.When the time came for him to pay off his loan, the bank automatically asked him whether he wanted or needed another loan.
He then accepted the bank’s offer, took another loan and did the same with the money as he had done with the first loan. He kept repeating this process over the years. In that manner he
built up a formidable savings account. You just had to get used to a reduction in the salary/income at your disposal and determine how much that should amount to after the first loan. I challenge those who are aware of this system and who still have the time to implement it. You just need to look for a bank or loan facility that charges a lower interest rate for your loan (lower than the interest you gain from your savings).
How you invest or use the money later is up to you. You may wonder what I’m leading to with the subject of ‘pensioners’ and what my reasons are for raising the subject and, finally, what I intend to achieve. Frankly, I don’t think we can really achieve much, but I do hope to appeal to several people who will call themselves pensioners over the years and those who still have time to arrange matters before it is too late. As I’ve already stated, those that are well off and those who are already being pampered need not bother with this. This is directed at the unfortunate folks who have or will land in dire straits for one reason or another or who must deal with the problems of the common pensioner. Here are a few points to give many of us food for thought. You may say that I’m going crazy due to my own problems, but it is what it is.
One of my choices has helped me lead my life as a pensioner under less pressure, at least in some respects. - 18 - How long that will prevail, remains to be seen. In this modern world, it is easy to follow global events. Pensioners are no exception. So, this message goes far beyond my way of thinking and my personal
problems. Here are some thinking points/questions. You can do your research and provide the answers.
- Is it true that the banks no longer grant loans to people close to sixty or who are retired? If this is not true, what is the current policy and what terms are applicable?
- Is there a legal provision that stipulates how long a pensioner is guaranteed to collect his retirement payments? If that is the case, when and how does it apply?
- To what extent is one’s pension affected (negatively) by the constant price increases and rising costs of living? How long will it take before a pension income is affected to such an extent that it no longer suffices?
- Is it foreseeable that pensioners, depending on their lifespan, will continue enjoying optimal medical insurance after retirement?
- What are the prospects for pensioners that become dependent on health insurance or disability benefits and the like due to long-term illnesses?
- Is there a possibility that, given the circumstances, the pension payment will be increased so that pensioners can make ends meet?
- And finally, is it true that there are many suicides among pensioners (in other countries)? If that is true, what are the reasons?
- 19 - If you already have the answers to these questions/ambiguities and it’s all good, then case closed. That leaves us with those that are uncertain and preoccupied. I refuse to believe that
any of us who live longer (than others) will be compromised and be forced to endure an inadequate standard of living.
Browsing through literature on the subject, I read how the problem regarding pensioners is being addressed. Perhaps the systems I have been able to review are not applicable to us, but who knows, we may learn something from them. The fact is, in our country most pensioners have not been advised to inquire into the fate that lies ahead for the pensioner. Furthermore, everyone ought to be made aware, whether by force or otherwise, of what the regulation entails and, moreover, how to deal with the retirement years in an unknown new world.
We have a habit of living for today and forgetting that tomorrow is on its way. Unfortunately, tomorrow always comes too early and without warning. One of the biggest problems is financial, and that’s where the pressure lies. We forget all too readily that, even though we are the ones retiring, others very close to us will be affected by this transition as well, namely. spouses, children and sometimes close relatives. So, it doesn’t hurt (actually, it’s a must) to examine everything with one’s husband, / wife, adult children, etc. You might also know someone who has been through the same experience, who can provide some sound advice. If you have debts with the bank, you must make timely agreements to assess your balance and the path forward. - 20
- Consider the status of your retirement pension and how you stand in that respect.
Don’t forget to include other social benefits/revenues in your projection to arrive at a total of realistic incomes. Get information about tax on your income. Those of you in public service or employed in the private sector, your pension will generally be arranged by monthly payment of pension premiums. In this regard the following is important:
- Check how much your pension will amount to and how many years you must remain employed to reach that goal.
- Obtain information on this matter from your employer and, if necessary, further information from the trade union.
- Save all important documents such as appointment confirmations, employment contracts, annual salary statements, tax return papers, etc.
- Find out how your pension will be arranged for your surviving dependents (partner, children) after your death.
- When you change employers, a so-called pension interruption will usually occur. Find out what the pension gap in question entails and how it can be prevented if not redressed.
And finally, for those who arrange their own pension or have a supplementary pension, there are several points of interest. Consider the following: There are various options such as savings plans, annuity insurance, etc. You should ask how the money saved/paid premiums are invested. How will payment be made in due course and what amount can you expect to receive for a certain period or until death. Demand several proposals and be sure to ask for advice from an independent pension counselor.
- 21 - The last points may seem obscure because they are not mandated or at least not enforced in our country. Nevertheless, one can still prepare for future changes. Too often, the matter of pension is not approached with a serious attitude. Some even believe that pension payments are a continuation of the salary that you collected when you were employed. Contrary to that notion, you will experience first-hand a significant decline when you’ve crossed that threshold. Civil servants as well as those who cannot count on other income in addition to their pension should anticipate a significant decline.
Many things that you could have accomplished when you were employed can no longer be achieved. It makes no difference how young or how old you are, putting a plan in place in timely fashion and developing those plans further over the years is crucial. There comes a time or moment when you must ask yourself if you are ready to retire. I read somewhere that 62 has become the trending retirement age. The article goes on to say that, although 62 is an ideal/advantageous age for retiring, there are still obstacles such as financial pressure and the like that must be considered carefully.
The Americans, who have done research on the matter, start from the premise that a 65-year-old man can count on an age limit of 84.3. For the woman, this is set at 86.6. In our case, I believe this applies to retirement pension, which, up to this this moment in time, has been set at 60 years. I expect that to change in the future; it’s just a matter of figuring out what age will apply. The topic of increasing the retirement age is a recurrent, ongoing discussion. - 22 - Frankly speaking, we are trailing behind and I strongly believe that the time has come for the retirement age to be increased. It would help in the sense that our pensioners will enjoy a salary for at least a few more years before having to seek employment elsewhere.
Our average pension payments are inadequate and disproportionate to modem times. In addition, the employee will enjoy the benefit of a few more years to save and plan. I recently read a letter that is based on the Dutch system applied in the Netherlands titled: “How much pension do I actually get?”. It raises many questions; especially about what pensioners should get. I ask myself whether pensioners are being short-changed in our country.
A contact person in the Netherlands, a pensioner for years, shared two sites with me that are quite informative. I urge you to visit these sites, browse through them and determine whether there is anything special/interesting for you. The sites are: http:// www.afm.nl/nl-nl/ consumenten /themas /producten / pension and http:/ / financieel.infonu.nl/geld/8002-pensioen-een pensioenbreuk-een- pensioengat-repareren.html - 23 - What is our situation and is our scheme arranged in accordance with these standards? Then, why not, since we have already adopted and are following most Dutch standards? I recently read about a problem between the Selikor pensioners in Curaçao and APC (General Pension Fund Curaçao). The issue was regarding indexation of
cost allowance, etc., to which the pensioners apparently think they are entitled.
The outcome is certainly a point of interest. Who has the last word on this matter; and should the court of law be engaged? I’m also including a list of relevant questions that linger with me. If you already have satisfactory answers to these questions and you have managed to secure a comfortable solution, this message is pointless. If this is not the case, you should take a critical look at the following questions and try to find answers:
- Do you see yourself finding your way through retirement without worries?
- How long do you think you will live before your retirement payments expire?
- What age do you consider most appropriate for retirement and why?
- Do you believe that the pension that you will collect is and will remain sufficient and that you can continue to live without headaches?
- Are you sufficiently informed about how your pension works? - 24 -
- How do you think the pension should be arranged in connection with inflation, etc. in your daily life as a pensioner?
- Do you believe there is sufficient information made available to future pensioners, and do you know where to find that information?
- What are your thoughts on additional so-called pensions such as Old Age Pension (AOV) and the like?
- Do you think that your pension has been efficiently arranged by your employer and has your well-being been considered sufficiently?
- Do you know of a better pension plan than the one you already have and what would you like to see changed or added?
This questionnaire can be extended ad infinitum and as a future pensioner you may compile a list at your discretion. But will that be necessary? Perhaps we have already reached the end of our tether with what we have. During my fourteen years of retirement, I have tried to keep track of all my monthly expenses; I’ve even introduced annual comparisons.
Believe me, even in a country where the currency offers more flexibility, it is obvious that the spending power of one’s pension declines every year in the face of the expenses coupled to a normal way of life. After experiencing that, I now fully understand why so many local pensioners have gone back to work. Why these pensioners continue working (at the type of jobs they submit themselves to) has become clear. - 25 -
Even so, I wonder whether it is a healthy development given their age and the job demands. Something that keeps bothering me and to which there is no direct answer is why so many pensioners, in recent years, have taken their own lives. These are people who, according to the statistics, could have enjoyed several fruitful years.Then there are the many age-related ailments that many retirees must contend with. You can literally read the deep concern and anxiety on the faces of many pensioners.
Growing old is not the issue; how you grow old is the crucial matter. Though it causes much apprehension, I won’t elaborate any further. Hopefully my anxiety won’t show too much. No person in his right mind would act as such that everything would go wrong. at his retirement However, ignorance, lack of preparation or wrong choices may lead to the point where we become the victims of an inadequate pension or a pension that drives us to perdition I learned from a future pensioner in Curaçao that the General Pension Fund (APS) has finally drawn up a compilation of guidelines regarding retirement and pensioners.
Meetings have even been convened with announcements regarding the benefits for future pensioners. This is welcome news, but what about those for whom it’s much too late to qualify? Is there a chance of them being considered, can they be included in some benefits; what is their status? Do the same provisions laid down in Curaçao apply on Aruba and Sint Maarten? - 26 - After all, we used to belong to the same pension fund then called “Algemeen Pensioenfonds Nederlandse Antillen” (APNA) read: Netherlands Antilles General Pension Fund.
The separate status of the islands as it stands today may all seem good and well, but what are the consequences for those pensioners who now fall under another system? In my case, my pension was paid by Curaçao, but at one point it was moved to Sint Maarten. There has been no reduction in my pension, however, the question remains whether I can now count on the same development and what the exact arrangements entail. Setting a few rules may not cover all bases.
Correct me if I’m wrong, although it remains my right to ask questions. To compound matters, there been a recent scandal involving a prominent pension insurance company on the brink of bankruptcy and who were all responsible. The outcome and how it affects our pensions remains a question. We also want to know whether the new benefits in the making for future pensioners also apply to those who have already retired and what those benefits are. We don’t expect to make a fortune, but knowing how we stand is of vital importance to us. “RETIREMENT, WHAT’S NEXT?”. That is the question that needs to be answered. A pensioner in 2016. - 27 -
REFLECTIONS IN THE REARVIEW MIRROR
Featuring Chief Edward Jacobs and Fellow Officers
In the photo, then, Acting Department Head Edward Jacobs stands with quiet authority, white trousers, arms crossed, eyes steady. Beside him is Department Head Mr. Ezequiel A. Josepha, author of the powerful essay “Pension…What’s Next?” whose insights help shape the fabric of this inaugural edition of the St. Maarten Police Force Retirees Association magazine.
This moment captures more than just colleagues; it commemorates a major achievement: a successful operation resulting in the seizure of over 2,000 pounds of marijuana. Posing together following the bust, the image reflects the grit and coordination required in one of law enforcement’s most demanding branches, narcotics.
As is evident in the photo, this elite team was made up of both men and women—professionals who stood side by side on the front lines of high-risk investigations. Some of them are now retired; others are no longer with us. But all share a bond, few outside the force can truly understand one forged by danger, sacrifice, and a relentless commitment to duty.
This black and white image tells a powerful story. It reflects a union that began decades ago, when these men and women patrolled the streets shoulder to shoulder, facing uncertainty with resolve.What started as long shifts, covert operations, and shared responsibility has evolved into a lasting fellowship, one marked by loyalty, sacrifice, and deep respect. These officers didn’t just wear the uniform; they built a brotherhood.
Today, that bond lives on through the St. Maarten Police Force Retirees Association, where the spirit of service endures, not behind the badge, but within the heart.
This photo is not just a memory. It’s a reflection of legacy, and a reminder that retirement is not the end, but a new beginning in the company of those who understand. The Association now stands as a pillar for those who once served, continuing the legacy of unity and purpose that defined their years in uniform.
The St. Maarten Police Force Retirees Association isn’t just a group; it’s a continuation of that legacy. A living reminder that while the badge may be retired, the brotherhood lives on.
Reflections in the Rearview Mirror
Protecting our Elders
PROTECTING OUR ELDERS: The Growing Threat of Fraud Against Seniors
By Turhan “Pico” Simmons, Vice President, St. Maarten Police Force Retirees Association
As someone who spent nearly four decades in law enforcement—serving as Chief Inspector and heading the Narcotics, Firearms, and Fraud Department, I’ve seen firsthand how cunning criminals can be. But nothing angers me more than fraudsters who prey on the elderly. It’s a crime that isn’t just about money, it’s about trust, dignity, and often, mental and emotional well-being.
Now in retirement, I find myself surrounded by peers, neighbors, and even family members who are part of the most targeted group when it comes to financial scams: senior citizens. And it’s not slowing down. If anything, it’s getting worse.
WHY ARE SENIORS TARGETED?
There are several reasons why scammers focus on our older population. Many seniors have built up savings over a lifetime. Some may have cognitive or memory challenges that make them more vulnerable. Others are simply too polite or trusting to hang up on a persuasive caller or question a convincing story. Additionally, our generation wasn’t raised in the digital age.While our grandchildren may be able to spot a phishing email from a mile away, many retirees are still adjusting to smartphones and online banking. This gap in tech literacy can be exploited in cruel ways.
COMMON TYPES OF FRAUD TARGETING SENIORS
Let me share a few types of scams that are unfortunately becoming all too common, some of which have reached the shores of St. Maarten and neighboring islands.
1. Phone Scams (The “Grandchild in Trouble” Call)
A scammer calls pretending to be a grandchild, saying they’re in jail, in an accident, or stuck abroad and need money urgently. In a moment of panic, many loving grandparents send funds without verifying the situation.
2. Romance Scams
With more seniors finding companionship online, fraudsters exploit loneliness. They build an emotional connection over time and then start asking for money, often for emergencies, travel, or medical bills.
3. Fake Government or Bank Calls
A caller may claim to be from the police department, a tax office, or a bank, telling the senior their accounts are compromised, or they owe money. Fear tactics are used to push them into sharing personal information or transferring funds.
4. Tech Support Scams
The victim receives a pop-up message or calls warning them of a virus on their device. They’re then tricked into giving remote access to a scammer who “fixes” the problem, for a fee, or installs malicious software to steal data.
5. Lottery or Prize Scams
“Congratulations! You’ve won a prize!”, but first, you must pay taxes or processing fees. There is no prize. Just another empty wallet.
REAL IMPACT, REAL STORIES
It started with WhatsApp messages, “You’ve won a big cash prize!” then the call. The man on the line sounded cheerful, even helpful. All he needed was my banking information so he could wire me the money.
But I had my suspicions early on. I noticed the area code, Nigeria. Yet the profile photo looked East Indian. Probably from India, Bangladesh, or one of those countries. And let’s be honest: scammers from Nigeria and the East Indian region are some of the most persistent and well-practiced in the world. Right then and there, I knew what I was dealing with.
Still, I played along. I asked him, “What exactly did I do to win this prize?”
Protecting our Elders
He replied, “It’s based on your Samsung phone’s serial number.” That was all I needed to hear. I knew it was a scam, but I decided to play along.
I told him, “Why not just send me the money through DHL?” He hesitated. “No,” he said, “because then I’d have to come pick it up and pay you in person and that would be expensive” I said, “That’s no problem. Just deduct your expenses from the prize and bring me what’s left.” He started to stumble. That’s when I asked, “Do you know who you’re speaking with?” I sent him a quick snapshot of my business card, Head of Fraud. Let’s just say, he disappeared faster than the prize money he promised.
It’s a funny story now, but it’s a reminder: not everyone gets away untouched. The same tricks that failed with me are working on others every day.The more we talk about it, the more we protect our elders.
But let me be clear: being scammed is not your fault. These criminals are professionals at manipulating people. No one should ever feel embarrassed about being deceived.
HOW CAN WE PROTECT OURSELVES AND EACH OTHER?
1. Talk Openly About Fraud
We need to break the silence around this issue. Encourage conversations among retirees, families, and communities. Share experiences so others can learn and be more cautious.
2. Verify, Verify, Verify
If you receive a suspicious call, email, or message — verify it. Call the bank directly. Call your grandchild. Never give out personal or financial information on the spot.
3. Slow Down
Scammers create a sense of urgency to prevent rational thinking. Always take a moment to breathe, think, and doublecheck.
4. Report It
If you’ve been targeted or even scammed, report it to local authorities or your bank. This helps prevent further crimes and builds awareness.
WHAT CAN OUR ASSOCIATION DO?
As Vice President of the Retirees Association, I firmly believe we have a duty to protect one another, not just physically, but financially and emotionally too.
Here are a few steps we plan to take:
Fraud Prevention Workshops: Invite experts to speak at our
monthly meetings about fraud trends and how to protect yourself.
Monthly Bulletins: Share scam alerts and tips in our association on our WhatsApp groups.
Buddy System: Pair members to check in with each other regularly. A quick conversation can prevent a big mistake.
We are also advocating for more community outreach from law enforcement and financial institutions, including easy-to-read guides for seniors and hotline numbers for suspicious activity.
FINAL THOUGHTS
As someone who once led investigations into fraud, I can tell you: catching scammers is hard, but protecting yourself is possible.
If there’s one message, I want every retiree and senior citizen to walk away with, it’s this:You are not alone. Whether it’s your family, your friends, or your fellow association members, reach out. Ask questions. Share concerns.
Let’s use our shared wisdom and strength to look out for one another and ensure our golden years aren’t tarnished by fraudsters.
Let’s stay sharp, stay safe, and stay connected.
Still Going Strong on the Friendly Island
Here on our beautiful St. Maarten, when folks hit 65 – that’s been our official pensionable age since 2020 – it doesn’t mean hanging up their work boots just yet! Walk around any morning and you’ll see our beloved seniors greeting you with warm smiles as they welcome passengers onto the early bus or enthusiastically sharing island stories with visitors on tour groups. For so many of our elders, turning 65 isn’t about slowing down – it’s just another birthday to celebrate while they keep doing what they love with the same pride and energy that’s always defined island life.
Our Island’s New Take on Retirement
When we adjusted our retirement age to 65 back in 2020, we joined our Caribbean neighbors in this practical shift. But here’s the beautiful thing about island life – there’s no law saying you must stop working at 65. That flexibility is pure St. Maarten style! Our seniors are still out there every day: the friendly taxi driver who knows every shortcut on the island, the shopkeeper who remembers your family for generations, the tour guide whose stories make visitors fall in love with our home. They’re not just working because they must – our community treasures their wisdom, and they genuinely love staying active and connected.
Making it Work in Paradise
Let’s keep it real – island living isn’t cheap, and our AOV pension helps but doesn’t cover everything. Even with the recent bump from NAƒ1,338 to NAƒ1,398 in 2025, our officials know that’s still a stretch when you’re buying groceries or paying rent. What makes it tougher is that about 75% of our elderly receive less
than the full pension – sometimes because life took them off-island for work, or employers didn’t always do right by the system. Beyond government workers with their pension fund, only about
one in four workers have an additional retirement plan. So yes, for many of our hardworking seniors, staying on the job past 65 isn’t just a choice – it’s how they keep their independence.
The Heart of Island Life: Purpose and Connection
But here’s what makes our island special – work isn’t just about the paycheck. Our seniors love what they do! After spending decades perfecting their craft, whether it’s fixing engines, cooking the best johnny cakes, or knowing exactly which beach will make a tourist’s day, they take real pride in sharing those skills. Work keeps them connected to their community, laughing with customers, mentoring young people just starting out. In our tight-knit island family, seeing our elders active and engaged every day reminds us of what really matters – staying connected and contributing to the place we all call home.
Everyone Wins When Experience Stays in the Game
It’s a win all around, island-style! Our seniors get to boost their income while staying independent and engaged, and we get to keep their friendly faces, deep knowledge, and steady hands as part of our daily rhythm. Instead of saying goodbye to decades of island wisdom when someone turns 65, St. Maarten benefits from keeping our most experienced community members right where they belong – sharing their talents with neighbors and visitors alike.
What we love most is that working past 65 here isn’t about being forced into anything – it’s a choice our seniors make with island pride. They’re showing the world what it really means to age gracefully in paradise, proving that clocking in after 65 can be both smart and satisfying. Their strength and flexibility inspire all of us, reminding everyone that on the Friendly Island, age is never a limit to making your mark and sharing your gifts with the community you love.
HURRICANE-READY AFTER RETIREMENT
A practical guide for our members, families, and neighbors.
Hurricane season is part of life in the Caribbean, and our retired officers know better than most that calm preparation beats lastminute panic. We’ve stood steady through storms, helped our communities rebuild, and learned what truly matters when the wind rises: people first, then property.This guide gathers that hardearned wisdom into a simple plan you can use at home and share with those you care about. A little forethought now leads to fewer
surprises later and a faster return to normal once the skies clear.
PEOPLE FIRST, THEN PROPERTY
Every good storm plan begins with people, a principle we lived by on the force and one that serves us well in retirement. Decide in advance who will remain at home, who may shelter elsewhere, and who you’ll check on after the storm, especially elderly neighbors or relatives who live alone. Write down key phone numbers and keep a printed copy in an easy-to-reach place, technology fails, but paper endures.
Choose the safest room in your house, ideally an interior space without windows, and agree on what each person will grab if you need to move there quickly: medications, documents, and anything essential for children, pets, or those with special needs. A plan on paper keeps everyone calm when power and internet go out.Trust your training, clear communication and defined roles prevent confusion when it matters most.
MEDICATIONS AND HEALTH ESSENTIALS
Health always takes priority. Make sure you have enough of your daily medications to carry you through delays in reopening pharmacies, ten to fourteen days is a sensible cushion. Keep prescriptions together in a waterproof pouch along with a short medical summary: conditions, allergies, and the names and numbers of your doctor and preferred pharmacy.
Don’t forget the small things that become big problems when shops are shut: spare reading glasses, hearing-aid batteries, blood pressure cuffs, glucose meters, and chargers. If anyone in your circle relies on oxygen or powered medical equipment, coordinate early with the provider and identify a location that can support them if you lose electricity. Remember, in our line of work we
learned to plan for contingencies, apply that same mindset to your health needs.
SIMPLE HOME HARDENING
Not every improvement demands a contractor. Focus on the basics that prevent the most common damage, using the same methodical approach that served you well on patrol. Make sure shutters are complete and hardware is stored together so you’re not searching for a missing bolt in the rain. Clear gutters and the drains along your street, standing water causes more trouble than wind for many homes.
Walk your property perimeter and remove or secure anything that could become a projectile: plant pots, small furniture, tools. Strap propane bottles upright and check roof edges for loose tiles or flashing. Before the storm arrives, take photos of each room and the exterior of your property. If you must make an insurance claim later, those images will provide the documentation you need, think of it as evidence collection for your own benefit.
COMMUNICATION WHEN TOWERS ARE WEAK
Assume that mobile service may be patchy and power intermittent for a day or two after a major storm. Charge power banks beforehand and keep a car charger handy. Family group chats work
best when everyone agrees on short, simple updates and a set check-in time, establish your communication protocol just like briefing your shift.
If you’re caring for relatives abroad, let them know you may fall silent for periods and reassure them that “no news” does not mean bad news. A small battery radio can be worth its weight in gold when official updates don’t reach your phone. After the storm, keep messages brief to save battery and bandwidth, photos and videos can wait. Clear, concise information saves resources and reduces anxiety.
Hurricane-Ready After Retirement
AFTER THE STORM: SAFETY BEFORE SPEED
When the wind drops, the urge to rush outside is strong. Slow down and assess, use the same situational awareness that kept you safe during your career. Downed lines may be live even if the street looks quiet, floodwater hides debris, and fatigue quickly turns routine tasks into accidents. Wear sturdy shoes and gloves for any cleanup work.
Document damage with photos before moving items so your record is clear. If you use a generator, keep it outside and away from doors and windows, carbon monoxide is invisible, odorless, and deadly. Work in pairs when clearing branches or using tools, set time limits, and take breaks. You can’t help others if you get hurt, and you know better than anyone that unnecessary risks have unnecessary consequences.
COMMUNITY LEADERSHIP: HOW RETIREES MAKE THE DIFFERENCE
Our members have spent careers coordinating under pressure, and that experience is invaluable after a storm. The most effective community response is organized and sustainable. Choose one role you can maintain for several days: checking on two nearby households, sharing water with a family that needs it, or relaying accurate information to neighbors who need updates.
A simple three-house “buddy system” where each home checks the next creates a safety net without complicated logistics. Keep notes of who you saw and what they needed, memory blurs when you’re tired, and good record-keeping helps you follow through. As highlighted in our member profiles, Willy “Wilma” Wiel-Williams made it her practice during Hurricanes Luis and Irma to ensure fellow officers were safe, accounted for, and supported, quiet, reliable service that exemplifies the leadership our community provides in times of need.
PROTECTING YOUR FINANCES AFTER THE WIND
Unfortunately, storms also bring opportunists looking to prey on vulnerable residents. Apply the same skepticism that served you well in law enforcement. Be cautious with anyone who shows up offering to “handle” repairs or “speed up” insurance claims for a fee. Work directly with your insurer, use contractors you know or can verify, and avoid large cash deposits.
Charity scams also surface in the days after landfall, donate through reputable channels you already trust. If a deal or request feels rushed or secretive, step back and verify before you act.Trust your instincts; if something feels off, it probably is. A single phone call to a known number can prevent a costly mistake.
FOR CAREGIVERS AND DISTANT FAMILY
If your loved one is on island while you’re abroad, plan a brief call before storm systems move into the region. Walk through their preparations together and exchange a second contact number for each of you. Ask them to send a quick photo of their essentials, medications, documents, water, laid out on a table. That simple image reassures you they’re ready and helps you spot anything missing.
After the storm, agree that short text updates are sufficient; lengthy conversations can wait until power is stable. Focus on the critical information: safety status, immediate needs, and when you’ll check in again.
FOR MEMBERS WITH LIMITED MOBILITY
Preparation is easier when everything is accessible. Keep essential supplies at waist height rather than in low cupboards or high shelves. Label containers clearly so helpers can find items quickly if you need assistance. If you anticipate needing help to shutter the house or relocate, arrange it early, before watches are issued, so nobody is scrambling at the last minute.
Place a brief “medications and needs” card near your front door and keep a copy in your go-bag. This guides neighbors and first responders if they need to step in and help, providing the essential information they need to assist you effectively.
A STEADY FINISH
Storms will come and go, as they always have. What endures is how our community prepares, looks out for one another, and rebuilds stronger. Write down your plan, walk through it once, and share it with a friend or neighbor who might need guidance. If there’s one lesson we’ve learned over the years, both in service and retirement, it’s this: calm preparation today prevents chaos tomorrow. With steady planning and the quiet strength our members are known for, we’ll meet whatever this season brings and
come through it together, just as we always have.
HURRICANE PREPAREDNESS CHECKLIST
Quick reference guide for retired law enforcement
BEFORE THE SEASON
Planning & Documentation
• Create written emergency plan with roles for each household member
• Identify safest interior room (no windows)
• Choose shelter location if evacuation needed
• List neighbors/relatives to check on (especially elderly)
• Print key phone numbers and emergency contacts
• Take photos of all rooms and property exterior
• Store important documents in waterproof container
Hurricane-Ready After Retirement
HEALTH & MEDICAL
Essential Supplies (10-14 day supply)
• All daily medications in waterproof pouch
• Medical summary: conditions, allergies, doctor/pharmacy contacts
• Spare reading glasses and hearing aid batteries
• Blood pressure cuff, glucose meter, thermometer
• Device chargers and power banks
• Coordinate backup power for medical equipment if needed
HOME HARDENING
Property Security
• Check shutters complete with all hardware stored together
