Member Benefits

      Benefit Payment
      Annual COLA
      Supplemental Benefits
      Tax information
      Section 415(b) Limits
      Social Security
      Death Benefit
      Health Insurance
      Health Reimbursement
      Medicare Reimbursement
      Care Counsel

Social Security

If you or your spouse qualify for a Social Security benefit in addition to your SDCERS retirement benefit, you should expect a reduced Social Security benefit. Because City employees do not pay into Social Security, this reduction is due primarily from an absence of contributions into Social Security during your city employment.

The reduction will not apply if you were eligible to receive a Social Security retirement or disability benefit prior to 1986, or if you met the minimum requirements to receive a SDCERS retirement benefit prior to 1986.

Contact the Social Security Administration at (800) 772-1213 to request your estimated Social Security benefit, or wait to receive your annual statement from Social Security, generally 1-2 months prior to your birthday. Specific questions regarding your Social Security benefit should be directed to the Social Security Administration. For more information, visit their web site at