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With APERS, you have no individual retirement account like a 401(k) to borrow against or draw from, and no one can predict the total value of your benefits until you have finished collecting them. After you retire, APERS pays you a monthly pension for the rest of your life, whether thats 5 more years or 50.
On December 3, 2020 the PSERS Board of Trustees certified an employer contribution rate of 34.94% for fiscal year (FY) 2021/2022, which begins July 1, 20212. The 34.94% rate is composed of a 0.80% rate for health insurance premium assistance, 0.15% for Act 5 Defined Contribution, and a pension rate of 33.99%.
On December 17, 2021 the PSERS Board of Trustees certified an employer contribution rate of 35.26% for fiscal year (FY) 2022/2023, which begins July 1, 2022. The 35.26% rate is composed of a 0.75% rate for health insurance premium assistance, 0.20% for Act 5 Defined Contribution, and a pension rate of 34.31%.
Most members dont know their APERS ID number off-hand, but it appears on either your Annual Member Statement (active members generally mailed out each January) or your monthly statements (current retirees), as well as any correspondence you might have received from APERS.
Employer Contribution Rate for FY 2023-24 The employer contribution rate for fiscal year 2023-2024 will be 34.00%. This is the first year-to-year decline in the rate in more than a decade. The rate applies to salary and wages earned from July 1, 2023 through June 30, 2024.

People also ask

New members and those first joining after July 1, 2005 must contribute a percentage of their compensation to their retirement accounts. These tax-deferred contributions are withheld from members paychecks. As of July 1, 2022 the contribution rate is 5.25%.
i. A member who has not attained normal retirement age (65) must terminate covered employment to be eligible for retirement.
Members frequently ask if they can withdraw from, add to, or borrow against their retirement accounts. The answer to all of these is no. The only way you can get money from APERS is to retire or to terminate your covered employment.

apers retirement calculator