When can a member access their 401(a) account?

Under Federal law, public safety employees who are age 50 and retired may take a lump sum distribution equal to all their 401(a) contributions and investment earnings, or rollover the balance to an IRA or purchase annuities. However, all members need to be careful and seek clear guidance on what age they must reach in order to retire as this can differ across the Plans and various Membership Tiers. In many cases the legal retirement age is higher than age 50 and this can delay access to the 401(a) funds without penalty.

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