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10. • SECTION 2- 219.12. Disability - Annual examination of recipient; cessation or reduction of allowance. • • (a) The commission may require any beneficiary of a disability retirement allow- ance under the plan to undergo a medical examination by the medical examiners once each year prior to the date on which the beneficiary would have attained his normal retirement date had he remained in service. Should such a beneficiary refuse to submit to any such medical examination, his retirement allowance shall be discontinued until his withdrawal of such refusal, and should such refusal continue for one year, all his rights to any further disability allowance shall cease. (b) Whenever as a result of an examination, as provided in subsection (a) above, of a beneficiary of a disability retirement allowance, the medical examiners certify to the commission that such beneficiary is no longer completely incapacited and is capable of performing the usual and customary duties required of his former position with the city, and /or if any such beneficiary should be again in service at any time prior to his normal retirement date, the disability retirement allowance of such beneficiary shall cease and he shall again become a member of the plan. Any creditable service rendered by the member prior to his date of disability shall thereafter be counted as creditable service, and, in addition, the period of disability retirement shall be counted as credit- able service. (c) Whenever the commission ascertains that any beneficiary of a disability retire- ment allowance is before his normal retirement date engaged in gainful occupation or work but is still incapable of performing the usual and customary duties of his former position with the city, the commission may reduce such beneficiary's allowance by up to but not more than fifty percent thereof and such reduction shall remain in effect so long as the beneficiary is engaged in gainful occupation or work; provided, however, that upon such beneficiary attaining his sixty -fifth birthday, the reduction shall be restored. SECTION 2- 219.13. Optional benefits. (a) Each member shall have the right at any time, not after the later of the effective date of the member's retirement or the date of the written notification to the commission of the retirement of the member, to elect to have his retirement allowance, other than any portion of such allowance that is payable under the provisions of section 2- 219.5(b) of this code, payable under one of the options set forth in subsections (b) and (c) of this section, in lieu of the retirement allowance otherwise payable to him upon retirement. The amount of any such optional retirement allowance shall be the actuarial equivalent of the amount of such retirement allowance otherwise payable to the member. The member shall make such an election by written notice to the commission. (b) A member may elect to receive a decreased retirement allowance during his