Age 62 Modified Allowance

How it Works

This option gives you a larger benefit (based upon your Social Security estimate of benefits receivable at age 62) from the age you retire to age 62. However, at age 62, your MCERA benefit will be reduced by the amount shown on the Social Security estimate you provided at the time of your retirement. This option can give you a more level payment for your life consisting of a combination of your Social Security benefit and MCERA retirement.


This option is available only if you retire before age 62. If you would like an estimate for the Age 62 Modified Allowance, you must provide Merced County Employees' Retirement Association (MCERA) with information regarding your future Social Security income. Please contact MCERA at 209-726-2724 for more information.