If you have less than 1,000 Contributory Hours (excluding Recaptured Hours) after June 30, 1997, click here.
Type	Minimum	Qualified Retirement	Early Retirement
Age	52 and less than 65
Service & Other Requirements	Vested	a. 1,500 Contributory Hours* in 3 consecutive years after age 49; and b. 20,000 Contributory Hours or 10 years of Contributory Years of Service	50,000 Contributory Hours or 25 years of Contributory Years of Service
		Benefits earned prior to July 1, 1990 will be determined under the Prior Plan unless 10,000 Contributory Hours or 5 years of Contributory Years of Service earned after 6/30/90.*
		*excluding Recaptured Hours/Service
Basic Benefit	Accrued Monthly Normal Retirement Benefit actuarially reduced from age 65. see Reduction Factor Table 1	Accrued Monthly Normal Retirement Benefit actuarially reduced from age 60 (no reduction if age 60 or older). see Reduction Factor Table 2	Accrued Monthly Normal Retirement Benefit actuarially reduced from age 57 (no reduction if age 57 or older). see Reduction Factor Table 3
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