Retirement Benefits

SFERS offers three types of retirement benefits for miscellaneous safety members:

  • Voluntary Service Retirement
  • Industrial Disability Retirement
  • Ordinary Disability Retirement

Service Retirement Benefit

Under the SFERS pension plan, you can retire for service once you reach the qualifying age and years of credited service.

When you retire for service, your monthly benefit is calculated using a formula based on your age at retirement, your years of credited service (accumulated time for periods during which you made contributions to plan), and your final compensation (your highest average pay). See Summary of Key Plan Provisions for service retirement formula.

Your retirement benefit is paid to you on the last day of each month for the remainder of your lifetime and the lifetime of your qualified survivor (see “Survivor Benefits” for a definition of qualified survivor).

Qualifying Age and Years of Credited Service 

  at least age 50 with 5 or more years of service credit

The maximum retirement benefit payable as a member in the Miscellaneous Safety Plan is 90% of Final Compensation.

Members of SFERS Miscellaneous Safety Plan do not accrue Social Security benefits for service as miscellaneous safety employees

Estimate your Benefits

Log in to mySFERS secure member portal and select the “Calculator” tab to calculate an estimate of your service retirement or vesting benefit based on your desired retirement date and projected salary. The SFERS benefits calculators are available 24/7.

Apply for Service Retirement

When you are ready to retire for service with the City and County of San Francisco, follow the steps below:

 Meet the qualifications for service retirement: achieve the qualifying age and years of credited service

Schedule a counseling appointment: log in to mySFERS secure member portal to to schedule a counseling appointment using our online Retirement Appointment Scheduler. Schedule your counseling session to take place within six months of your desired retirement date.

Meet with a Retirement Counselor: counseling sessions are reserved for members who are qualified for service retirement to complete the retirement application process. Sessions are conducted by phone and can last up to two hours, so please plan accordingly.

Gather the following materials for the counseling appointment:
• Valid Picture ID or Passport
• Original Certified Marriage Certificate/Domestic Partnership
• Original Certified Birth Certificate of Spouse/Domestic Partner or Designated Beneficiary
• Social Security Number and Date of Birth of Spouse/Domestic Partner
• Social Security Number and Date of Birth of Unmarried Child(ren) under 18

Your effective retirement date cannot be earlier than the first day of the month in which you file a retirement application with SFERS

How Do I…?