SDCERA offers an additional retirement benefit option that allows members to receive an increased SDCERA benefit from retirement age until the age of 62. The Temporary Supplement can be chosen in conjunction with any of the benefit options you choose.

You must be eligible to receive a Social Security benefit to be eligible for the Temporary Supplement.

The Temporary Supplement anticipates you will apply for and receive a Social Security benefit at age 62. If eligible, you may opt to receive the Temporary Supplement and have your SDCERA retirement benefit increased until you reach age 62. The amount of the increase is based on a percentage of your estimated Social Security benefit. The amount of the decrease is based on the entire amount of your estimated Social Security benefit.

Your reduced SDCERA retirement benefit plus your Social Security benefit may approximate the increased – or “supplemented” – income you had been receiving from SDCERA prior to age 62.

The Temporary Supplement is available to members who meet the following criteria:

• You retire prior to age 62
• You are eligible to receive a Social Security benefit
• You do not have a disability application on file with SDCERA

When SDCERA calculates your retirement benefit options, an alternative to using SDCERA’s estimate of your Social Security benefit would be to use an estimate prepared by Social Security in order for SDCERA to recalculate your Temporary Supplement prior to your retirement date. The estimate you obtain from the Social Security Administration should reflect the benefit you would be eligible to receive at age 62 based on the fact that you stop working on your retirement date.

Contact the Social Security Administration at www.ssa.gov or 800.772.1213 to request an estimate based on your actual retirement date.