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Termination of Employment

When an active Member terminates employment with the County of San Diego or a participating employer, they become a deferred Member. Deferred Members have two options concerning SDCERA contributions:

      •  Leave their contributions on deposit with SDCERA, or
      •  Request a refund of their contributions.

A vested deferred Member is eligible to receive a lifetime retirement benefit. To be vested, a Member must have five or more years of service credit. However, this benefit will be forfeited if a vested Member takes a refund of their contributions.

To make an informed decision, a Member should consult their tax and financial advisors.

Vested Members
(More than 5 years of service credit)
Non-vested Members
(Less than 5 years of service credit)
  Leave Contributions on Deposit   Leave Contributions on Deposit
•  Leave your contributions on deposit. You become a deferred vested Member, and your contributions may accrue interest.
•  Leave your contributions on deposit. You become a deferred non-vested Member, and your contributions may accrue interest.
•  You may retire and receive a lifetime benefit when you are eligible for retirement. To apply, contact SDCERA.
•  You may be eligible to establish reciprocity if employed by a reciprocal agency in the future.
•  You may be eligible to establish reciprocity if employed by a reciprocal agency in the future.
  Request a Refund   Request a Refund
•  You may request a refund at any time. Consider this option carefully; when you take a refund of your contributions you forfeit your right to receive a lifetime retirement benefit. There may be adverse tax consequences. You should consult a tax advisor before selecting this option. Employer contributions are not refundable.
•  You may request a refund at any time. Consider this option carefully; there may be adverse tax consequences. You should consult a tax advisor before selecting this option. Employer contributions are not refundable.