Frequently Asked Questions
Below are some common questions from members who have left SCERS-covered employment and are preserving their retirement benefits for the future.
Am I a deferred member if I left my job but didn’t withdraw my contributions?
Yes. If you separated from a SCERS-covered employer and kept your contributions on deposit, you’re considered a deferred member—even if you haven’t communicated with SCERS in years.
What happens if I never retire or withdraw my funds?
Your SCERS account remains active indefinitely, and your funds continue to earn interest. If you pass away before retiring, any benefits due will be processed according to your beneficiary designation and SCERS rules.
How do I know if I’m vested?
You’re generally vested if you earned five or more years of service credit before leaving employment. Vesting means you’re eligible for a lifetime monthly retirement benefit once you reach the minimum retirement age for your tier.
Can I take my contributions out later?
Yes. You may request a refund of your employee contributions and interest at any time before retirement. However, doing so permanently forfeits your right to a SCERS retirement benefit.
How can I get a retirement estimate?
Contact SCERS to request a retirement estimate. If you’re registered for the MySCERS portal, you may also be able to view account information and run personalized calculations.
Can I update my beneficiary after leaving employment?
Yes. Deferred members can update beneficiary designations by submitting a new Member’s Affidavit (Form 6019) at any time.
What happens if I go to work for another public agency?
If the agency participates in a reciprocal retirement system, you may be eligible to establish reciprocity, linking your service and final compensation across both systems. Contact SCERS to learn more.