If you have 25 or more years of qualifying service and have reached age 55, you would qualify for immediate payment under Plan A. If you have between 20 and 25 years of qualifying service, your Plan A benefits would be deferred until the later of your 55th birthday or the date you would have completed 25 years had you remained in active service. If you have reached age 55 but you are not eligible to retire under Plan A, you may cancel your Plan A membership and elect to retire under Plan B. If you have not reached age 55, but you have completed at least 30 years of total credited service, you may elect a 30-Year Demand Retirement.

You may switch once from Plan A to B or from Plan B to A. You would then only be permitted to switch back if, within 30 days of applying for the change, you retire or leave City service with vested rights.