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    PUBLIC SCHOOL EMPLOYEES’ RETIREMENT SYSTEM (PSERS)

    Nearing Retirement

    As you plan to leave school employment, you’ll need to know what benefits are available to you.  This chart will show your possible eligibility or a life-time monthly retirement benefit:

    Membership Class Qualification Benefit
    T-C* or T-D At least 5 years of credited serviceVesting or Deferring Retirement (Postponing receipt of your benefit)
    T-E, T-F, T-G, or T-H At least 10 years of credited service
    T-C, T-D, T-E, T-F, T-G, or T-H At least 5 years of credited service; meet medical eligibility and application submission requirementDisability Retirement**
    T-C* or T-DAt least 5 years of credited service (Age 55 with 25 years of service with 3% - 15% maximum reduction)Early Retirement (Age Penalty Applied)
    T-E, T-F, T-G, or T-HAt least 10 years of credited service
    T-C or T-D35 years of service regardless of age, or age 62 with 1 year of service, or age 60 with 30 years of serviceNormal Retirement (Superannuation)
    T-E or T-FAge 65 with at least three (3) years of credited service, or any age/service combination that totals 92 (“Rule of 92”) with a minimum of 35 years of service.  Example: A member age 57 with35 years of credited service (57 [age] + 35 [service] = 92) would total 92 and, therefore, would be superannuated.
    ​T-G​Age 67 with at least three (3) years of credited service, or any age/service combination that totals 97 (“Rule of 97”) with a minimum of 35 years of service. Example: A member age 62 with 35 years of credited service (62 [age] + 35 [service] = 97) would total 97 and, therefore, would be superannuated.
    ​T-H​Age 67 with at least three (3) years of credited service.


    *     Special rules apply if you terminated public school employment before July 1, 2001.

    ** More details regarding eligibility for a disability retirement benefit are available in the PSERS publication, Let’s Talk About PSERS Disability Retirement Benefits.  

    Please note, your Application for Retirement (PSRS-8) must be received by PSERS within 90 days of your termination date in order to receive retroactive retirement benefits. Even in those situations where there is a pending divorce action or purchase of service, in order to preserve retroactive benefits, the Application for Retirement must still be submitted within the 90 day time frame.

    Informational Retirement Sessions  

    PSERS provides pre-retirement educational sessions, such as the Foundations for Your Future presentation.  This presentation is designed to inform you of PSERS general benefit information and the steps to take toward retirement.    

    Small group counseling Exit Counseling Sessions are available for those who are retiring and need assistance with the completion of the retirement applications.  These sessions also provide an overview of the benefit options and benefit processing.  These sessions are scheduled by contacting PSERS.

    Retirement Estimates  

    PSERS offers an online retirement estimate calculator which can be used at any time prior to retirement. 

    If you are within one year of your retirement, PSERS strongly suggests that you request an official PSERS retirement estimate by callling us or submitting a Request for Retirement Estimate (PSRS-151) form.