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	Normal Retirement Early Retirement Rule of 75 Retirement Disability Retirement Deferred Retirement

Calculation of Retirement Benefits - For active members employed by the City and County of Denver/DHHA prior to September 1, 2004, the lifetime monthly retirement benefit calculation is 2% of the employee's average monthly salary (AMS)(based on the highest 36 consecutive months' salary that the member earns from the employer) times years of credited service. For members who were hired or re-hired on or after September 1, 2004, the retirement benefit is based on 1.5% of the average monthly salary times years of credited service. The Plan's retirement benefits are payable for life. For Normal or Rule-of-75 retirements, there is not a benefit reduction. Early Retirement benefits are reduced based upon the member's age at retirement.

Vesting Requirements - An employee of the City and County of Denver or DHHA with five years of credited service is qualified to receive a benefit upon reaching retirement age.

Social Security Make-Up Benefit - The normal retirement age under Social Security was extended beyond age 65 for individuals born in 1938 or later. In an effort to help members "make-up" for delayed Social Security benefits, the Plan will increase monthly retirement benefits to those individuals affected, if they retire after December 1995. The benefit is based on a percentage of the member's estimated primary Social Security benefit times credited service with the City/DHHA during which the contributions were made to Social Security (up to a maximum of 35 years) divided by 35. This additional benefit is payable beginning at age 62 or the member's retirement date, whichever is later, but will not be paid before retirement benefits have begun from the Plan.