It used to be 3% at 55. But several years the unions got the age dropped and it spread all over the law enforcement agencies local and state.
Then the stock market went down and everyone panicked since a large portion is invested in the market.
With the market back up, don't know why it hasn't "bailed out" the retirement funds.
Medical care may be too much to bail out with just the fund dividend.
I should have added 3% at age 50.