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Social Security Integration Factor

General Tier I, A and B Members contribute to both SDCERA and to Social Security and can expect to receive benefits at retirement from both SDCERA (based on years of employment at the County of San Diego) and from Social Security (based on years of all employment covered by Social Security).

For General Tier I, A and B Members, the SDCERA retirement benefit is integrated with Social Security. This means that General Tier I, A and B Members pay reduced contributions on the first $350 of monthly earnings and have a Social Security integration adjustment applied to their SDCERA monthly retirement benefit. The integration adjustment varies by Tier and retirement age (see chart below).

General Tier C Members also contribute to both SDCERA and to Social Security and can expect to receive benefits at retirement from both SDCERA (based on years of employment at the County of San Diego) and from Social Security (based on years of all employment covered by Social Security).

However, for General Tier C Members, the SDCERA retirement benefit is NOT integrated with Social Security. As a result, there is no reduction to contributions on the first $350 of monthly earnings, and there is no Social Security integration adjustment when SDCERA calculates the monthly retirement benefit for General Tier C Members.

Safety Members do not contribute to Social Security and will not receive a benefit from Social Security based on their years of employment with the County of San Diego. Therefore, there is no Social Security integration adjustment for Safety Members.

Social Security Integration Factors (Rounded Up)

 
General Tier A
Age Factor
50 2.33
51 2.45
52 2.57
53 2.68
54 2.80
55 2.92
56 3.03
57 3.15
58 3.27
59 3.38
60 3.50
 
General Tier I and B
Age Factor
50 1.56
51 1.65
52 1.74
53 1.84
54 1.95
55 2.07
56 2.19
57 2.33
58 2.44
59 2.58
60 2.73
61 2.89
62 3.06

The Social Security integration factor is multiplied by the total service credit at retirement. This is the amount that the retirement benefit will reduce by, see example below. Actual amounts may vary as the table shows rounded figures.

Example For A General Tier A Member Who Retires At Age 60
 
Retirement Age Factor For Age 60 3%
Service Credit 25 Years
Final Average Compensation (FAC) $4,000
Social Security Integration Factor For Age 60 3.50
   
Step 1: Multiply Retirement Age Factor By Service Credit 3% x 25 years = 75%
Step 2: Multiply Percentage in Step 1 by FAC 75% x $4,000 = $3,000
Step 3: Multiply Social Security Integration Factor by Service Credit $3.50 x 25 years = $87.50
Final Step: Subtract the Amount in Step 3 From the Amount In Step 2 $3,000 – $87.50 = $2,912.50