Getting Ready to Retire


When considering if you can financially retire, MercedCERA recommends reviewing the following:

  • Social Security benefits
  • Your savings account (401K or 457 plan)
  • Your annual and monthly pension

Retirement Options

At the time you retire, you will make an irrevocable election of a retirement option. The various options determine the extent of benefits distributed during your retirement and upon your death. Because your option choice is irrevocable, it is important to consider your selection carefully. The following pages summarize the options established in the County Employees’ Retirement Law of 1937 (CERL).


How to Retire

Gather Your Supporting Documents

MercedCERA will need copies of your important documents such as your birth certificate, marriage certificate (if applicable), the birth certificate of your beneficiary and any divorce papers or divorce decree (if applicable).  If you do not have any of these documents, please call our office at 209-726-2724 to discuss other options for your retirement.