Trainor, J.
The defendant, Teachers’ Retirement System (TRS), appeals from a judgment of the Superior Court vacating a decision of the Contributory Retirement Appeal Board (CRAB), and awarding termination benefits to the plaintiff, Denise Megiel-Rollo, under G. L. c. 32 § 10(2).
[318]*318Facts. 2 Megiel-Rollo was a teacher at Bristol County Agricultural High School (Bristol) between 1982 and 2002.3 In 1994, she filed a complaint against Bristol with the Massachusetts Commission Against Discrimination (MCAD) alleging discrimination. In 1997, the MCAD made a finding of probable cause on her claim. Four years later, in October 2001, Bristol and Megiel-Rollo entered into negotiations for a possible settlement to resolve the MCAD claim. Prior to entering settlement negotiations, Megiel-Rollo had never been notified or advised of any possibility or consideration of Bristol terminating her employment, and she had recently received a satisfactory performance evaluation for the 2000-2001 school year.4 Early in October, 2001, Megiel-Rollo and Bristol entered into a settlement agreement intended to resolve her discrimination complaint.
The parties agreed that immediately upon execution of the settlement agreement Megiel-Rollo would be placed on a paid leave of absence until June 30, 2002, a period of eight months. During the leave of absence she would continue to receive health insurance benefits, contractually accrued sick leave benefits, and retirement credits.5 The settlement agreement provided that Bristol would forward a letter of termination notice to Megiel-Rollo on or about June 30, 2002, effective within five days of its mailing.6 In addition, Bristol agreed to pay Megiel-Rollo a final cash payment of $54,760.49. The [319]*319settlement agreement required that upon its execution Megiel-Rollo would immediately leave the building and grounds of Bristol and never again enter the grounds or building.
Megiel-Rollo was allowed twenty-one days to consider the settlement agreement and an additional seven days after execution within which to revoke it.7 The agreement contained a provision that both parties acknowledged that they were entering into the agreement voluntarily. Both parties signed and executed the settlement agreement on October 10, 2002.
Megiel-Rollo applied for a termination allowance under G. L. c. 32, § 10(2), shortly thereafter. The TRS sent Bristol a letter requesting information about the reason for Megiel-Rollo’s departure and whether she had been terminated. Bristol responded that Megiel-Rollo had been terminated in order to “resolve litigation.” The TRS then denied Megiel-Rollo’s application for a termination allowance under § 10(2), and she was instead awarded superannuation benefits under G. L. c. 32, § 10(1).
Megiel-Rollo appealed the denial to CRAB, which assigned a Division of Administrative Law Appeals (DALA) magistrate to hold a hearing, after which the denial of § 10(2) benefits was affirmed. Megiel-Rollo filed an objection with CRAB, which in 2009 affirmed the decision of the DALA magistrate on the basis that Megiel-Rollo’s departure was voluntary. Megiel-Rollo sought judicial review of CRAB’s decision in the Superior Court. A Superior Court judge vacated CRAB’s decision, anchoring his own definition of “discharge” not on the distinction between “voluntary” and “involuntary” but on what the court referred to as “some action on the part of the employer to terminate the employee[’]s employment.” The judge held that Bristol “terminated Megiel-Rollo’s employment ... by sending her a notice of termination” and that “[s]he was therefore ‘discharged’ from her employment within the meaning of G. L. c. 32, § 10(2).” Judgment was entered in favor of Megiel-Rollo, CRAB’s decision was vacated, and the case was remanded [320]*320to CRAB for the entry of an order in favor of Megiel-Rollo. The TRS then filed this appeal seeking reversal of the Superior Court judgment.
We vacate the judgment of the Superior Court and affirm the decision of the Contributory Retirement Appeals Board.
Discussion. We review CRAB’s decision to deny § 10(2) benefits and award § 10(1) benefits to determine whether Megiel-Rollo’s rights have been prejudiced under the guidance of G. L. c. 30A, § 14(7).8 See Tabroff v. Contributory Retirement Appeal Bd., 69 Mass. App. Ct. 131, 134 n.2 (2007).
Our review of CRAB’s decision is made “under a deferential standard and [we] will reverse only if [CRAB’s] decision was based on an erroneous interpretation of law or is unsupported by substantial evidence.” Foresta v. Contributory Retirement Appeal Bd., 453 Mass. 669, 676 (2009). See State Bd. of Retirement v. Contributory Retirement Appeal Bd., 77 Mass. App. Ct. 452, 455 (2010).
To the extent that an agency determination involves a question of law, it is subject to de nova judicial review. See Bristol County Retirement Bd. v. Contributory Retirement Appeal Bd., 65 Mass. App. Ct. 443, 451 (2006); Olsen v. Teachers’ Retirement Bd., 70 Mass. App. Ct. 429, 431 (2007), quoting from Bulger v. Contributory Retirement Appeal Bd., 447 Mass. 651, 657 (2006) (“we must overturn agency decisions that are not consistent with governing law”).
To the extent that an agency determination is based on a finding of fact, under the substantial evidence standard, “we must give ‘due weight to the experience, technical competence, and specialized knowledge of the agency, as well as to the discretionary authority conferred upon it’ . . . .” Ibid. “[A] reviewing [321]*321court is not empowered to make a de nova determination of the facts, to make different credibility choices, or to draw different inferences from the facts found by the [agency].” Medi-Cab of Mass. Bay, Inc. v. Rate Setting Commn., 401 Mass. 357, 369 (1987).
General Laws c. 32, § 10, determines retirement allowances for members of the retirement system who resigned, failed reappointment, or were removed or discharged from service. We consider the textual differences between § 10(1) (right to a superannuation retirement allowance) and § 10(2) (right to a termination retirement allowance) in order to determine which paragraph, § 10(1) or § 10(2), is implicated by the facts and circumstances here.
Section 10(1), as amended through St. 2000, c. 123, § 24A, provides, in pertinent part, a retirement allowance for a member of the retirement system who (1) has completed twenty or more years of creditable service and who (2) “resigns or voluntarily terminates his service” or who (3) “fails of reappointment or whose office or position is abolished, or is removed or discharged from his office or position without moral turpitude on his part. . . .9
Section 10(2) provides, in pertinent part, a retirement allowance for a member of the retirement system who (1) “has completed twenty or more years of creditable service” and who (2) “fails of reappointment, or whose office or position is abolished, or is removed or discharged from his office or position without moral turpitude on his part. . . .”10
As pertaining here, the single difference between the provi[322]
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Trainor, J.
The defendant, Teachers’ Retirement System (TRS), appeals from a judgment of the Superior Court vacating a decision of the Contributory Retirement Appeal Board (CRAB), and awarding termination benefits to the plaintiff, Denise Megiel-Rollo, under G. L. c. 32 § 10(2).
[318]*318Facts. 2 Megiel-Rollo was a teacher at Bristol County Agricultural High School (Bristol) between 1982 and 2002.3 In 1994, she filed a complaint against Bristol with the Massachusetts Commission Against Discrimination (MCAD) alleging discrimination. In 1997, the MCAD made a finding of probable cause on her claim. Four years later, in October 2001, Bristol and Megiel-Rollo entered into negotiations for a possible settlement to resolve the MCAD claim. Prior to entering settlement negotiations, Megiel-Rollo had never been notified or advised of any possibility or consideration of Bristol terminating her employment, and she had recently received a satisfactory performance evaluation for the 2000-2001 school year.4 Early in October, 2001, Megiel-Rollo and Bristol entered into a settlement agreement intended to resolve her discrimination complaint.
The parties agreed that immediately upon execution of the settlement agreement Megiel-Rollo would be placed on a paid leave of absence until June 30, 2002, a period of eight months. During the leave of absence she would continue to receive health insurance benefits, contractually accrued sick leave benefits, and retirement credits.5 The settlement agreement provided that Bristol would forward a letter of termination notice to Megiel-Rollo on or about June 30, 2002, effective within five days of its mailing.6 In addition, Bristol agreed to pay Megiel-Rollo a final cash payment of $54,760.49. The [319]*319settlement agreement required that upon its execution Megiel-Rollo would immediately leave the building and grounds of Bristol and never again enter the grounds or building.
Megiel-Rollo was allowed twenty-one days to consider the settlement agreement and an additional seven days after execution within which to revoke it.7 The agreement contained a provision that both parties acknowledged that they were entering into the agreement voluntarily. Both parties signed and executed the settlement agreement on October 10, 2002.
Megiel-Rollo applied for a termination allowance under G. L. c. 32, § 10(2), shortly thereafter. The TRS sent Bristol a letter requesting information about the reason for Megiel-Rollo’s departure and whether she had been terminated. Bristol responded that Megiel-Rollo had been terminated in order to “resolve litigation.” The TRS then denied Megiel-Rollo’s application for a termination allowance under § 10(2), and she was instead awarded superannuation benefits under G. L. c. 32, § 10(1).
Megiel-Rollo appealed the denial to CRAB, which assigned a Division of Administrative Law Appeals (DALA) magistrate to hold a hearing, after which the denial of § 10(2) benefits was affirmed. Megiel-Rollo filed an objection with CRAB, which in 2009 affirmed the decision of the DALA magistrate on the basis that Megiel-Rollo’s departure was voluntary. Megiel-Rollo sought judicial review of CRAB’s decision in the Superior Court. A Superior Court judge vacated CRAB’s decision, anchoring his own definition of “discharge” not on the distinction between “voluntary” and “involuntary” but on what the court referred to as “some action on the part of the employer to terminate the employee[’]s employment.” The judge held that Bristol “terminated Megiel-Rollo’s employment ... by sending her a notice of termination” and that “[s]he was therefore ‘discharged’ from her employment within the meaning of G. L. c. 32, § 10(2).” Judgment was entered in favor of Megiel-Rollo, CRAB’s decision was vacated, and the case was remanded [320]*320to CRAB for the entry of an order in favor of Megiel-Rollo. The TRS then filed this appeal seeking reversal of the Superior Court judgment.
We vacate the judgment of the Superior Court and affirm the decision of the Contributory Retirement Appeals Board.
Discussion. We review CRAB’s decision to deny § 10(2) benefits and award § 10(1) benefits to determine whether Megiel-Rollo’s rights have been prejudiced under the guidance of G. L. c. 30A, § 14(7).8 See Tabroff v. Contributory Retirement Appeal Bd., 69 Mass. App. Ct. 131, 134 n.2 (2007).
Our review of CRAB’s decision is made “under a deferential standard and [we] will reverse only if [CRAB’s] decision was based on an erroneous interpretation of law or is unsupported by substantial evidence.” Foresta v. Contributory Retirement Appeal Bd., 453 Mass. 669, 676 (2009). See State Bd. of Retirement v. Contributory Retirement Appeal Bd., 77 Mass. App. Ct. 452, 455 (2010).
To the extent that an agency determination involves a question of law, it is subject to de nova judicial review. See Bristol County Retirement Bd. v. Contributory Retirement Appeal Bd., 65 Mass. App. Ct. 443, 451 (2006); Olsen v. Teachers’ Retirement Bd., 70 Mass. App. Ct. 429, 431 (2007), quoting from Bulger v. Contributory Retirement Appeal Bd., 447 Mass. 651, 657 (2006) (“we must overturn agency decisions that are not consistent with governing law”).
To the extent that an agency determination is based on a finding of fact, under the substantial evidence standard, “we must give ‘due weight to the experience, technical competence, and specialized knowledge of the agency, as well as to the discretionary authority conferred upon it’ . . . .” Ibid. “[A] reviewing [321]*321court is not empowered to make a de nova determination of the facts, to make different credibility choices, or to draw different inferences from the facts found by the [agency].” Medi-Cab of Mass. Bay, Inc. v. Rate Setting Commn., 401 Mass. 357, 369 (1987).
General Laws c. 32, § 10, determines retirement allowances for members of the retirement system who resigned, failed reappointment, or were removed or discharged from service. We consider the textual differences between § 10(1) (right to a superannuation retirement allowance) and § 10(2) (right to a termination retirement allowance) in order to determine which paragraph, § 10(1) or § 10(2), is implicated by the facts and circumstances here.
Section 10(1), as amended through St. 2000, c. 123, § 24A, provides, in pertinent part, a retirement allowance for a member of the retirement system who (1) has completed twenty or more years of creditable service and who (2) “resigns or voluntarily terminates his service” or who (3) “fails of reappointment or whose office or position is abolished, or is removed or discharged from his office or position without moral turpitude on his part. . . .9
Section 10(2) provides, in pertinent part, a retirement allowance for a member of the retirement system who (1) “has completed twenty or more years of creditable service” and who (2) “fails of reappointment, or whose office or position is abolished, or is removed or discharged from his office or position without moral turpitude on his part. . . .”10
As pertaining here, the single difference between the provi[322]*322sions of § 10(1) and § 10(2) indicates that a member who has twenty or more years of creditable service and who “resigns or voluntarily terminates his service” can only retire under the provisions of § 10(1). The remaining qualifications that a member “fails of nomination or re-election, or fails of reappointment, or whose office or position is abolished, or is removed or discharged from his office or position” appear in both § 10(1) and § 10(2). This statutory construction indicates that a member, so retiring, can chose to retire under the provisions of either § 10(1) or § 10(2), presumably depending on which retirement allowance calculation is more beneficial to their particular circumstances.
CRAB interprets the terms “removed or discharged” for the purposes of § 10(1) and § 10(2) eligibility as the involuntary discharge of an employee as distinct from a voluntary termination or resignation of an employee, who, as we discussed above, can only retire under the provisions of § 10(1).
The Superior Court judge determined, and Megiel-Rollo now argues, that the basis for eligibility for benefits under § 10(2) is the presence of “some action on the part of the employer to terminate the employee’s employment,” not whether the termination was involuntary. The trial judge reasoned that because Bristol sent a letter of termination, it discharged Megiel-Rollo for the purposes of § 10(2) regardless of the section’s larger context and the specific language contained in § 10(1). We do not agree with this reasoning.
First, this interpretation would render the phrase “voluntary termination” in § 10(1) meaningless. In every case a termination will ultimately be effectuated by an action of the employer in the form of a notice of termination and would automatically render the termination “involuntary.” The phrase “voluntary termination” would have no meaning within the statute under that reasoning. We cannot read statutory language to be meaningless or superfluous, particularly where the phrase in question has a clear meaning within the statute’s context. See Wolfe v. Gormally, 440 Mass. 699, 704 (2004), quoting from Bankers Life & Cas. Co. v. Commissioner of Ins., 427 Mass. 136, 140 (1998) (“basic tenet of statutory construction requires that a statute ‘be construed ... so that no part will be inoperative or [323]*323superfluous’ ”); Bulger v. Contributory Retirement Appeal Bd., supra at 661, quoting from Commissioner of Rev. v. Cargill, Inc., 429 Mass. 79, 82 (1999) (“Where ... the language of the statute is clear, it is the function of the judiciary to apply it, not amend it”). See also Telesetsky v. Wight, 395 Mass. 868, 872 (1985); Sterilite Corp. v. Continental Cas. Co., 397 Mass. 837, 839 (1986).
A review of the legislative history of G. L. c. 32, § 10, is consistent with this interpretation. When it was enacted in 1945, G. L. c. 32, § 10, allowed employees who resigned a superannuation allowance under § 10(1), but not a termination allowance under § 10(2). St. 1945, c. 658, § 1. The phrase “voluntary termination” appeared in neither section. In 1950, the Legislature added employees who resigned to those eligible for § 10(2) benefits but removed that eligibility one year later. St. 1951, c. 784, § 1. At the same time, the Legislature added the “voluntary termination” provision to § 10(1). The Legislature clearly and intentionally added the phrase “voluntary termination” as a concept related to, but distinguished from, the phrase “resignation.” Cf. Costello v. School Comm. of Chelsea, 27 Mass. App. Ct. 822, 827 (1989) (legislative history of the addition and subtraction of certain terms to G. L. c. 32, § 10, “evinces an awareness that there is a difference between a ‘removal or discharge’ and ‘failure of reappointment’ ”).
In a similar context, the Supreme Judicial Court has addressed the “voluntariness” of a resignation in situations implicating the unemployment compensation statute, which, with some exceptions, denies benefits to employees who leave their job voluntarily. See G. L. c. 151A, § 25(e). See, e.g., Retirement Bd. of Attleboro v. School Comm. of Attleboro, 417 Mass. 24, 26 (1994) (considering the meaning of the word “removal” in G. L. c. 71, § 43B [1992 ed.], in interpreting the term “removal” in G. L. c. 32, § 16[2]).
In Connolly v. Director of the Div. of Unemployment Assistance, 460 Mass. 24, 25 (2011), citing White v. Director of the Div. of Employment Sec., 382 Mass. 596, 598-599 (1981), the Supreme Judicial Court held that “a resignation . . . will be deemed involuntary if the employee reasonably believed that his discharge was imminent.” See State St. Bank & Trust Co. v. [324]*324Deputy Director of the Div. of Employment & Training, 66 Mass. App. Ct. 1, 7-8 (2006). In Connolly, the plaintiff seeking benefits was held to have left voluntarily when “she was not compelled to apply [for a voluntary termination package], did not believe her job was in jeopardy, and left in part for personal reasons.” Connolly, supra at 29.
In the case before us, the evidence substantially supported CRAB’s conclusion that Megiel-Rollo could not have reasonably believed that her employment would soon be terminated if she did not sign the settlement agreement. She testified that she had not been told by anyone at Bristol that she was in danger of being terminated from her position, and her evaluation for the school year preceding the settlement negotiations was “largely positive.” Further, a provision of the settlement agreement stated that Bristol “wishe[d] to enter this agreement solely for the purpose of avoiding costs of litigation.”
Additionally, we must acknowledge the benefit of the bargain Megiel-Rollo received in the negotiation. While Bristol disposed of the discrimination suit, she received nine months’ paid leave of absence while continuing to receive health insurance benefits and accrue sick time, as well as continuing to accrue retirement credits. At the end of this paid leave, she received a substantial cash award and a letter of termination, which was intended to qualify her for the retirement allowance provided by § 10(2). The provisions of this agreement do not evidence an “involuntary termination.”11
There are additional public policy reasons to discourage the grant of a § 10(2) retirement allowance for terminations negotiated in the context of such a settlement agreement. In future settlement negotiations, or similar situations that arise between employees and their public employers, there is a danger that the parties would add a term to the settlement providing a termination letter, even where the employee had no reasonable expectation of being fired and where termination would not have [325]*325otherwise occurred. For the employee, the benefit of such a letter may result in receiving higher retirement benefits than the employee may otherwise have received, and such a letter could be a valuable bargaining chip of no detriment to the employer’s financial bottom line. As the Contributory Retirement Fund in Massachusetts is made up solely of contributions from its members, those members would incur the cost of the higher termination allowance brought about by such a settlement. See, e.g., Hoerner v. Public Sch. Employees’ Retirement Bd., 546 Pa. 215, 225 (1996) (holding that the Pennsylvania retirement board, not the language of employee’s negotiated termination agreement, had the power to determine benefits due under that State’s retirement code).
We conclude that CRAB’s determination, that to qualify for a termination allowance under G. L. c. 32, § 10(2), the termination must be involuntary, was not an error of law. Also, there was substantial and sufficient evidence on the record supporting CRAB’s finding that Megiel-Rollo was not “removed or discharged” under § 10(2) but rather was “voluntarily terminated” under § 10(1), and that, as the DALA magistrate found, by voluntarily signing the settlement agreement Megiel-Rollo “herself chose to leave her position at (Bristol).” We therefore vacate the judgment of the Superior Court and remand for the entry of judgment affirming CRAB’s decision to award the plaintiff a superannuation allowance under G. L. c. 32, § 10(1).
So ordered.