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Retirement
Monday, October 5, 2009
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ERS - Employee Retirement System
Overview of Retirement Benefits
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couple on benchYour retirement program

When you become employed by the State, a portion of your salary is automatically deposited each month into your individual retirement account and is invested for you. Participation in the program is mandatory.

This section describes benefits for you if you were an ERS member or state agency employee as of August 31, 2009. Your membership continues as long as you have service credit and money in your ERS account, even if you are not still working and contributing. Learn more about the different retirement groups.

Planning to retire
You can qualify to retire with an annuity only, or an annuity and insurance benefits.
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Service credit
The more service credit you have, the higher your annuity. Buying service credit can help you retire earlier than your first eligibility date.  Or, it can increase the amount of your annuity payment.
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Applying for retirement
Send in your application. Ready to retire? Call ERS no earlier than 90 days before your expected retirement date.
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  Estimate your payment. Your retirement payment amount depends on your salary and years of service credit.
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After retirement
Find answers to your questions about your annuity, making changes to your benefits, and Medicare.
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  People sometimes decide to return to work after retiring.  If you return to State employment, there are some choices to make.
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Benefits for your survivors
Your survivors need to know what to do in the event of your death; you need the peace of mind that comes with knowing the benefits they will have when that time comes.
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Leaving state employment
Whether you are leaving by retiring or exiting state service, you have some choices to make.
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