Age to Retire with Reduced Benefits

The age you can retire early depends on your classification. The following table lists the age you can retire early and receive reduced benefits.

Reduced benefits by age and years of service

Classification	Age
General Service	55
911 Operator (General Service)	Any age with 25 years of 911 Operator service
Police and Firefighter*	50

*	To retire at the early or normal retirement age for a police officer or firefighter, your last 60 months of retirement credit prior to being eligible for P&F normal age or earliest age retirement must be classified as P&F.

Your entire benefit will be reduced by an actuarial equivalency factor (see Table 1: Early Retirement Factors) based on the number of months and years you are below the age of 65 (age 60 if you held the position of police officer or firefighter).

For example: If your classification is General Service and you retire at age 60 (five years early), your entire benefit will be reduced by approximately 35 percent because you will receive it over a longer period of time.