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UC Retirement Plan 1976 Tier

For employees hired before July 1, 2013

As a UCRP 1976 Tier member, you can elect to retire and receive benefits at any time after you become eligible — that is, when you reach age 50 and leave UC employment with at least five years of service credit. When you retire, you may choose a lifetime monthly benefit or a lump sum cashout.

How do I accrue pension benefits?

As a UCRP member, you earn service credit toward a pension benefit based on the time you work in an eligible position. Your pension is based on a formula that factors in your time at UC, your age at retirement and your highest salary (averaged over three years).

At retirement, you may elect monthly lifetime income or opt for a lump sum cashout. Electing a lump sum cashout means forfeiting your eligibility for retiree insurance coverage and survivor/contingent annuitant benefits.

When am I eligible for (or vested in) my retirement benefits?

You must earn five or more years of UCRP service credit to be “vested” — that means that you have a non-forfeitable right to receive UCRP retirement benefits upon leaving UC and reaching retirement age.

Other UCRP benefits

See the UCRP Summary Plan Description for 1976 Tier Members (PDF) and the additional resources below for complete information on your UCRP benefits, including:

Represented by a union?

Your benefits are negotiated between UC and your union. See your bargaining unit’s contract for details.