There isn't much of a difference between Indiana and Kentucky's retirement benefits for current officers except they you can't draw a retirement check in Indiana before you're 52. If you work 30 years you end up much better paid in Indianapolis. Eligibility You are eligible for an unreduced retirement benefit if you: Have at least twenty (20) years of creditable service in the 1977 Fund; Are at least fifty-two (52) years of age; and Have retired from service and separated from employment Amount