Find Your Tier

Overview

ACERA has several benefit levels known as tiers. Your tier depends on your employer and your entry date into ACERA membership, which is the first day of your second pay period in your full-time, retirement-eligible position. Your tier determines your set of age factors, your final compensation period for the retirement formula, and your maximum COLA amount, and affects your employee contribution rate. Find your tier below. Safety Members are sworn officers like sheriff’s deputies and probation officers. General Members are all other members.

Your Entry Date Determines Your Tier

Your ACERA entry date determines your tier. Log in to your account to verify your entry date.

General Members
Alameda County, AHS, First 5, Courts
General Members, Alameda County, AHS, First 5, Courts
Housing Authority

General Members, Housing Authority

LARPD

General Members, LARPD

Safety Members
Alameda County

Safety Members, Alameda County

 

Tier Details

Tier Min. Age
Factor %
Max. Age
Factor %
Final Comp. Period Max. COLA
General tier 1ǂ 1.33% at 50 2.61% at 62 1 year 3%
General tier 2A* 1.18% at 50 2.43% at 65 3 years 2%
General tier 3 (LARPD)* 2.00% at 50 2.50% at 55 1 year 3%
General tier 4 1.00% at 52 2.50% at 67 3 years 2%
Safety tier 1* 1.87% at 41 3.00% at 50 1 year 3%
Safety tier 2Bǂ 1.87% at 41 3.00% at 50 3 years 2%
Safety tier 2C* 1.25% at 41 2.62% at 55 3 years 2%
Safety tier 2D* 1.43% at 41 3.00% at 55 3 years 2%
Safety tier 4 2.00% at 50 2.70% at 57 3 years 2%

ǂ Closed tiers
* Closed tiers to non-reciprocal new members entering membership after 12/31/2012

More on Tiers

Reciprocity May Put You in an Earlier Tier

With the exception of Tier 1 and Tier 2B, the entry date for members with reciprocity is the day that you first entered membership with the first reciprocal system; this entry date is what is used to determine your tier per the ACERA Tiers chart above. However, because Tier 1 and Tier 2B are closed, reciprocal members will enter ACERA as follows:

  • All general members with an entry date into a reciprocal system on or before December 31, 2012 (including members with entry dates prior to July 1, 1983) will enter ACERA in Tier 2A.
  • All safety members with an entry date into a reciprocal system on or before December 31, 2012 (including members with entry dates prior to July 1, 1983), will have 45 days from the first date of their safety membership with ACERA to make a permanent selection between Tier 2C and Tier 2D.
  • All general and safety members with a entry date into the first reciprocal system on or after January 1, 2013, will enter ACERA in Tier 4.

Previous Work May Put You in an Earlier Tier

For current members who hired after January 1, 2013 and who had a former ACERA membership, regardless of whether membership contributions were refunded, ACERA will use your original entry date from your first ACERA membership to determine your tier if you return to work for any ACERA Participating Employer within 6 months of terminating employment or if you return to work for your original Participating Employer at any time.

Safety Members and Split Tiers

If you have service as both a General and Safety member and/or service among different tiers, ACERA will do a retirement calculation for each category. For example, if you have service credit under both General and Safety, ACERA will do two retirement calculations, each using your service credit and age factor percentage from each membership; we’ll then combine the dollar amounts from each calculation into your single retirement allowance amount.

Members with Tier 1 and Tier 2 split tier membership may be able to convert Tier 2 service time to Tier 1; see below.

Former Tier 1 Members Can Buy Back Into Tier 1, Also Known as Aquilino Conversion

If you are a tier 2 member who previously withdrew tier 1 contributions, you have the opportunity to redeposit and restore your tier 1 benefits under a Marin County lawsuit known as the Aquilino decision. This decision only affects ACERA tier 2 members who were in tier 1, terminated their membership, withdrew all tier 1 contributions, and later re-entered ACERA on or after July 1, 1983, as tier 2 members.

To have tier 1 benefits reinstated, eligible members must:

  1. Complete a redeposit of the withdrawn tier 1 funds;
  2. Apply for tier 1 restoration with ACERA; and
  3. Pay the cost to convert all tier 2 contributions to tier 1.

On application for tier 1 restoration, ACERA will compute a conversion adjustment based on the difference between the contributions the member would have paid under tier 1 and those paid under tier 2. The additional interest that would have been earned under tier 1 will also be included in the calculation. This will be the cost to convert the contributions. If you do not choose to convert your current membership, your retirement allowance will be based on tier 1 for redeposited membership, and tier 2 for current membership.

For more information on the Aquilino tier 1 restoration process and an application form, contact us.