Beneficiaries are individuals designated by a MercedCERA member or retiree to receive survivor and/or death benefits after his or her death.

Marriage & Minor Children

If you are married or have a minor child(ren), your spouse/minor child(ren) may be entitled to all death benefits payable under California law, regardless of whom you designate as beneficiary.


If you are changing your beneficiary due to divorce, you must also submit a copy of your Dissolution of Marriage and Marital Settlement Agreement to show whether your ex-spouse has any claim on your retirement benefits.


If your designated beneficiary passes away, please provide a coy of the death certificate when submitting a beneficiary change.

Making Changes

It is important to keep your beneficiary designation current. If you get married or have children while you are a member or have other changes to make, please contact MercedCERA to update your beneficiary designation.