If you have 25 or more years of qualifying service and have reached age 55, you would qualify for immediate payment under Plan C. If you have between 20 and 25 years of qualifying service and have reached age 55, your Plan C benefits would be deferred until 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 C, you may cancel your Plan C membership and elect to retire under Plan D. Your retirement allowance may be reduced if you retire before age 62; please consult your Summary Plan Description for more information.

You may switch once from Plan C to D or from Plan D to C. 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.