This section of our website will answer most of the questions a new member may have, and review the things that may be important to you at this early stage in your career. When you first become a member of the Merced County Employees' Retirement Association (MCERA) you are probably going through a major life transition. A new job, new responsibilities, new people and maybe even a new home. And there is plenty of paperwork to fill out, too. Perhaps you didn't have a chance to carefully consider the fact that you are now a member of a public pension system, or understand what that means to you.
What you contribute toward your retirement is based on several factors, such as whether you are a Miscellaneous member or a Safety member, your age at the time you become a MCERA member, and the date you become a MCERA member. If you are eligible for Reciprocity, which is an agreement among California retirement systems, your contribution rate may be lowered.
Find out who is eligible for membership. Your date of entry into the retirement system will determine which Plan you will be in.
A beneficiary is a person or persons you name to receive benefits in the event of your death. These benefits might be limited to a refund of your contributions, or they might be a lifetime benefit. Be sure your beneficiary designation is always up-to-date.
Learn about the formula for your retirement benefit.