Can I withdraw my contributions at a later date if I have established reciprocity?
No. If you choose a deferred retirement with reciprocity your new employer may base your contributions to its retirement system on your MCERA entry age. If you make this choice you cannot later change your mind and have your contributions and interest refunded from MCERA; that restriction will be in place as long as you are covered by a reciprocal arrangement.

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1. What are my options if I terminate employment before I am eligible to retire?
2. How long does it take to get a refund of my contributions?
3. How do I Select a Termination Option?
4. How much time do I have after separation to establish reciprocity?
5. Can I withdraw my contributions at a later date if I have established reciprocity?
6. Is the 20% federal income tax withholding mandatory for lump sum return of contributions?
7. Is there a state income tax withholding that is mandatory for lump sum return of contributions?
8. If I choose a deferred retirement when can I retire?
9. If I choose a deferred retirement and later change my mind can I withdraw my contributions?