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OPTION 1 — Plans A, B, C, D, and G

Option 1 is a lump-sum benefit under which you receive a slightly reduced Unmodified Retirement Allowance during your lifetime and if you die before receiving the contributions you paid into the fund, the balance of your contributions is paid in a lump sum to your named beneficiary or estate.

Option 1 may be advantageous if you do not have a spouse or domestic partner or minor child who is eligible to receive a continuing allowance.*


  • You may name anyone as beneficiary.
  • Only Option 1 allows full flexibility to change your beneficiary designation after you retire.
  • The age of your beneficiary is not considered when calculating your allowance.
  • If your beneficiary dies before you, the reduction to your retirement allowance remains in effect for you. However, you may name another beneficiary to receive the Option 1 lump-sum payment. You may name a separate beneficiary to receive the $5,000 lump-sum death benefit, or the $5,000 will be divided among the remaining named beneficiaries.


Option 1 is not available to Plan E members because they do not make retirement contributions.

To apply for retirement, call LACERA at 800-786-6464, or email, or visit our Member Service Center at 300 N. Lake Avenue, Pasadena.

*Spouses must be married one year prior to the member’s retirement. Domestic Partners must be registered with the California Secretary of State and have a current Certificate of Registered Domestic Partnership on file with LACERA one year prior to the member’s retirement. Children must be under 18, or 22 if a full-time student in an accredited institution.


You may download a Beneficiary Form or change your Beneficiary on My LACERA.


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