If you have less than 1,000 Contributory Hours (excluding Recaptured Hours) after June 30, 1997, click here.
Age	65 or over
Service & Other Requirements	a. Vested; and b. At least 1,000 Contributory Hours (excluding Recaptured Hours) after June 30, 1997
Monthly Normal Retirement Benefit	In general (see Exceptions), sum of: a. $25 times Past Benefit Service b. Contributory Benefit Service: 2.5% of Contributions made through June 30, 2003; plus 1.25% of Contributions made July 1, 2003 through June 30, 2006; plus 2.00% of Contributions made July 1, 2006 through June 30, 2007; plus 1.00% of Contributions made July 1, 2007 and later (including Recaptured Benefit Service ) (excluding Rule of 80 Surcharge) Delayed Retirement After 65
Forms of Payment	a. Straight Life Annuity b. Five-Year Certain Life Annuity c. Joint Annuity Reduction Factors All forms of payment except the Straight Life Annuity are actuarially reduced. Change of Form/Joint Annuitant
Conditions Which May Result In Loss of Some or All Benefits	Suspension of Benefits Lump Sum Payment of Employer Contributions
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