The Rule of 95 is an alternative full benefit retirement eligibility date to allow members to retire earlier than their schedule-based eligibility date. Under the Rule of 95 members can retire when their age plus their years of service equal 95, provided that they are at least 62 years old.

For example, a member who is 62 years old could retire with 33 years of service rather than waiting until their schedule based eligibility date (62 + 33 = 95).