After 10 years youre vested. You can retire at 55 with 10 years of service, but the formula that determines what % you get is a combination of age and years of service. The most you can ever get is 80% of your top 3 consecutive years (overtime doesnt count). Most people choose option B, where you take about 7% less, but if you predecease your spouse, they continue to get your pension until their death.

The only weird one is “group 4” which are sworn police and fire employees, who get to 80% a little faster.