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Eligibility Requirements for Retirement

Eligibility Requirements

To be eligible to retire, a Member must meet certain eligibility requirements depending on their Membership Classification and Tier. These eligibility requirements include:  

Age is the Member's age at retirement.

Service credit represents the time a Member works in paid status. A Member must work 20 hours or more per week to be eligible for SDCERA Membership and earn service credit on an hour-for-hour basis. A Member earns one year of service credit for each year of full-time employment, and part-time work results in a proportionate amount of service credit (e.g., a Member who works 20 hours per week for one year will receive one half year of service credit). In addition, a Member may purchase service credit in certain circumstances.

By law, if a Member earns service credit in more than one Classification or Tier, SDCERA must use the Member's most recent Membership Classification and Tier to determine the Member's retirement eligibility. For example, SDCERA will use Safety Member eligibility rules in the case of a Member who earns service credit first as a General Member and then as a Safety Member.

Eligibility time is the amount of time between the date a Member first enters SDCERA Membership and the Member's proposed retirement date. Eligibility time includes reciprocal service, service purchases and the redeposit of any previously-withdrawn contributions that occurred prior to SDCERA Membership.

Eligibility time is not a requirement to retire for Tier C or Tier D Members.


Retirement Eligibility Requirements by Membership Classification and Tier

Classification: GENERAL
Tier I
and
Tier A

Age 50 and 5 years of service credit and 10 years of eligibility time

OR

Any age and 5 years of service credit and 30 years of eligibility time

OR

Age 70 and any amount of service credit. (Non-vested Members who terminated employment before January 1, 2003 are not eligible to retire.)

Tier B

Age 55 and 5 years of service credit and 10 years of eligibility time

OR

Any age and 5 years of service credit and 30 years of eligibility time

OR

Age 70 and any amount of service credit

Tier C
and
Tier D

Age 52 and 5 years of service credit

OR

Age 70 and any amount of service credit



Classification: SAFETY
Tier A
and
Tier B

Age 50 and 5 years of service credit and 10 years of eligibility time

OR

Any age and 5 years of service credit and 20 years of eligibility time

OR

Age 70 and any amount of service credit. (Non-vested Members who terminated employment before January 1, 2003 are not eligible to retire.)

Tier C

Age 50 and 5 years of service credit

OR

Age 70 and any amount of service credit