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BENEFITS


PLAN TRANSFERS

The Open Window Plan Transfer window is open as of January 7, 2016. (1-14-16)

PLAN TRANSFERS

LACERA offers two methods for active members in noncontributory Plan E who wish to transfer to contributory Plan D:

There are many factors to consider before you initiate a plan transfer, so it is wise to compare the benefits and costs associated with each plan. For details on the basic provisions of each plan, refer to the individual Summary Plan Description brochures, which can be accessed on the Brochures & Forms page. To speak with a Retirement Benefits Specialist, contact LACERA at 800-786-6464 or make an appointment online.

Compare Open Window Transfer and Prospective Plan Transfer

OPEN WINDOW TRANSFER

PROSPECTIVE PLAN TRANSFER

Contributions calculated at a lower rate. Based on your entry age to LACERA.

Contributions calculated at a higher rate. Based on your current age.

Must purchase and convert credit for all Plan E service to Plan D.*

May opt to purchase and convert some or all Plan E service credit to Plan D.

Cost to purchase and convert Plan E service based on your entry age to LACERA.

Cost to purchase and convert Plan E service based on your age on the beginning date of the service being purchased.

Contract payment periods from one year up to 10 years. Upon completion of the contract, your contribution rate is changed on a prospective basis to the beginning age of the service being purchased.

Contract payment periods from one year up to 10 years. Upon completion of the contract, your contribution rate is changed on a prospective basis to the beginning age of the service being purchased.

You remain a Plan E member until your transfer is completed. Although you begin earning Plan D service credit upon the start of your payroll deductions, you are not entitled to Plan D benefits until your entire transfer contract is paid in full.

You begin earning Plan D service credit the first of the month following 30 days from the receipt of your application to transfer plans.**

*Certain exceptions requirements apply.
**Certain eligibility applies: To be eligible to apply for disability retirement, you must have two years of continuous service after your most recent effective date of transfer. (During that two-year period, you must not take a medical leave necessitated by a preexisting condition.) Or, if you had a break in service, you must have earned five years of service credit as an active Plan D member after your most recent effective date of transfer.

Transfer Resources

  • Create retirement benefit estimates on My LACERA to compare the retirement allowance you would receive as a member of Plan D versus Plan E.
  • Log in to your My LACERA account to create estimates for transferring from Plan E to Plan D.

3/31/21