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Colorado School and Public Employee - cspera

Colorado School and Public Employee - cspera 2025

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The document outlines the application process for the Birnadine Mack Scholarship, available to current employees of Colorado public schools for educational pursuits. It details eligibility criteria, payment procedures, notification of winners, application deadlines, and submission requirements. The scholarship offers up to $1,000 directly to educational institutions and requires applicants to submit a letter detailing their professional goals and how the scholarship will enhance their service in public education.

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Is a PERA the same as a 401k?

Your PERA contributions are tax-deferred, so you will not pay taxes on your contributions now. Once your benefit begins, federal tax and state tax (if applicable) will be owed. Your employer also contributes a percentage, but their contributions are not a match like a 401(k)-style plan.

What kind of account is Colorado PERA?

PERA has two types of retirement plans: A defined benefit (also called a pension) plan where PERA invests funds on your behalf and then provides a lifetime monthly benefit in retirement, and a defined contribution plan where you choose your investments and then draw from your account balance in retirement.

Can you opt out of Colorado Pera?

Leaving Your Account(s) With PERA If you leave your DB Plan account(s) with PERA until reaching the age and service credit requirements for retirement eligibility or age 65, you may request a lifetime monthly retirement benefit or do a refund/rollover of your DB Plan account(s).

Who gets PERA in Colorado?

Members of PERA include employees of the Colorado state government, public school teachers in the state, many university and college employees, judges, many employees of cities and towns, State Troopers, and the employees of many other public entities.

What are the retirement benefits for teachers in Colorado?

The Colorado PERA pension replaces 75% of pre-retirement income for a teacher with 30 years of service. Most experts find that a replacement ratio of 80% or more, from all income sources, is adequate for a secure retirement. Most Colorado PERA members do not participate in Social Security.

Do Colorado state employees get a pension?

PERA is the 25th largest public pension plan in the United States and covers more than 400 agencies and entities. In addition to the state government, the plan also covers many local governments, teachers, employees of the states universities, and judges.

What type of account is Colorado Pera?

Colorado PERA has two types of plansa defined benefit (DB) Plan, similar to a pension, and a defined contribution (DC) Plan available for eligible new State and community college employees. Both Plans are considered 401(a) plans and are created under that section of the Internal Revenue Code.

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