Get MARYLAND STATE RETIREMENT AGENCY 120 EAST BALTIMORE STREET BALTIMORE, MARYLAND 21202-6700 DIRECT

Vested Retirement: If you leave employment after you have earned at least 10 years of eligibility service, but before you are 65 years old, you are eligible to receive a future benefit based on your service at your termination.

The average length of retirement: 18 years That gives a typical retiree a retirement that lasts from about age 63 to about age 81.

Here's how to track down a pension from a former employer: Contact your former employer. Consider financial and insurance companies. Search at the Pension Benefit Guaranty Corporation. Collect the paperwork. Look into spousal payments. Make sure you are vested.

The minimum retirement age for service retirement for most members is 50 years with five years of service credit. The more service credit you have, the higher your retirement benefits will be.

We're on the 14th floor of the Truist building at 120 East Baltimore Street, which is at the corner of Baltimore and Calvert. When you enter the lobby, please sign in at the attendant's desk and you'll be directed to our offices. If you'd like to speak with a specialist, our 14th floor receptionist will assist you.

There are some exceptions to the five-year requirement . If you are employed on a permanent part-time basis and worked at least five calendar years, or you're a member with another California public retirement system, contact CalPERS to find out if an exception may apply to you .

A typical multiplier is 2%. So, if you work 30 years, and your final average salary is $75,000, then your pension would be 30 x 2% x $75,000 = $45,000 a year. That $45,000 becomes your guaranteed lifetime income.

However, if you have a traditional pension plan that your employer is contributing money toward, your employer can take back that money in the event that you are fired. However, if you are vested in the pension, then all the money in the account is yours to keep, even if you quit or are fired.