CCCERA is a Defined Benefit Plan. As such, the calculation of your lifetime monthly benefit is based on the following factors:
- Your age at retirement
- Your years of service credit
- Your highest average monthly pensionable compensation
- Whether you were enrolled in Social Security while earning CCCERA service credit
You can use this calculator to project your future benefit, based on information you provide. However, your calculations should be viewed as estimates, since every benefit is subject to the special facts and circumstances of your employment history.
Information on your tier or years of service can be found in your annual benefit statement. You can also find more information about how your benefit is calculated by referring to our calculation worksheets and benefit handbooks. If you have further questions please contact CCCERA.
This calculator renders estimates based upon the data provided by the user and does not represent what the user may actually receive as his/her final retirement allowance. Estimates rendered by this calculator are not binding upon CCCERA.
Benefit eligibility and amounts will be based on your actual circumstances at time of retirement, determined by the actual information, contracts, policies and laws in effect at that time. This is an informal estimate only. It does not reflect the detailed calculations, research, and verification of contributions, service credit, age factors, or pay items that may impact your final retirement benefit.
NOTICE REGARDING COMPENSATION ENHANCEMENTS: Note that causing excess compensation at the end of your career may be deemed an “enhancement” and may be excluded from your pension calculations.
*Enhanced Benefit Adoption Dates for General Members:
Whether you should use the Non-enhanced or Enhanced factors depends on whether your employer adopted the Enhanced benefit formula for General members (see table below). If you are currently covered by the Enhanced formula and are retiring after age 62 ½, and you were covered by the Non-enhanced formula earlier in your career, you should use the Non-enhanced factors, which are higher at those ages.
|Contra Costa County||1/1/2003 (Except CNA); CNA 1/1/2005|
|Bethel Island Municipal Improvement District||1/1/2003|
|Byron, Brentwood, Knightsen Union Cemetery District||Not Adopted|
|Central Contra Costa Sanitary District||7/1/2003|
|Contra Costa County Employees’ Retirement Association||1/1/2003|
|Contra Costa Housing Authority||10/1/2008|
|Contra Costa Mosquito and Vector Control District||2/1/2006|
|First 5 – Children & Families Commission||1/1/2003|
|In-Home Supportive Services Authority||1/1/2003|
|Local Agency Formation Commission||1/1/2003|
|Rodeo Sanitary District||Not Adopted|
|Superior Courts of Contra Costa County||1/1/2003|
|Contra Costa Fire Protection District||1/1/2003|
|East Contra Costa Fire Protection District||7/1/2005|
|Moraga-Orinda Fire Protection District||7/1/2002|
|Rodeo-Hercules Fire Protection District||10/1/2003|
|San Ramon Valley Fire Protection District||10/22/2001|
Under the law, pensionable compensation is defined as the “normal monthly rate of pay or base pay of the member paid in cash to similarly situated members of the same group or class or employment for services rendered on a full-time basis during normal working hours, pursuant to publicly available pay schedules.”
It excludes many forms of compensation such as uniform allowances and payments for unused leave. There is also an annual limit on pensionable compensation. For 2020, pensionable compensation is capped at $126,291 for members who participate in Social Security and $151,549 for members who do not participate in Social Security. In future years, the pensionable compensation limit will be adjusted based on changes to the Consumer Price Index (CPI) for all urban consumers.