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You can apply to withdraw your contributions plus interest 31 days after your last day on your employer’s payroll, if you have not returned to any covered employment with any participating employer. When you withdraw, you will give up all Retirement System rights, benefits and service credit.
To withdraw, complete an Application to Withdraw Contributions (KPERS-13).
The withdrawal process usually takes about four weeks.
Yes, as long as you were vested and left your contributions with the Retirement System, you can receive retirement benefits when you become eligible to retire.
No. KPERS is a qualified 401(a) defined benefit pension plan under the Internal Revenue Code. This type of plan is not permitted to allow "in-service" distributions.
Yes, you can name your children or any other living person, your estate, a trust or any combination of these. You can name separate beneficiaries for your retirement benefits and your life insurance proceeds. You may name more than one person as primary or contingent beneficiary.
When you name a minor as primary beneficiary and the amount of the benefit is less than $10,000, the money is paid out under the Kansas Uniform Transfers to Minors Act. If the benefit is $10,000 or over, Kansas law requires a conservatorship be established to receive the benefit on the child's behalf.
You can add or change beneficiaries any time by completing a Designation of Beneficiary form (KPERS-7/99).
If you divorce, any annuity, benefit or accumulated contributions from the Retirement System may be subject to claims by a former spouse.
Contributions are considered marital assets to the extent that they have accumulated during the marriage. A former spouse may not receive payment from the Retirement System under a Qualified Domestic Relations Order (QDRO) until you:
KPERS has two benefit structures. The details of your benefits depend on whether you are a Tier 1 or Tier 2 member. See your designated agent if you have questions about your membership.
Tier 1 members include:
Tier 2 members include:
The Kansas Legislature created the Kansas Public Employees Retirement System in 1962 to build a financial retirement foundation for those spending their careers in Kansas public service.
Because the Retirement Act requires that the State of Kansas participate, membership in the System is mandatory for all state employees in covered positions. Any governmental entity or instrumentality whose employees are covered by Social Security may also affiliate for KPERS coverage. Approximately 1,480 employers have affiliated with the Retirement System in order to ensure their employees eventually enjoy a guaranteed lifetime retirement benefit.
InfoLine staff can provide you with your total contributions as of December 31 of the past year. Check with your employer for the current year's amount. Some employers print year-to-date KPERS contributions on your pay notice. State of Kansas employees can review their contributions at the online Employee Self-Service Center.
No. State law does not allow us to administer a loan program for our members.
No, you cannot contribute “extra” money to the Retirement System. You can, however, purchase additional service credit for past public service and military service.
Contact the InfoLine. We can mail you a copy of your last annual statement.
Purchase costs are based on either your current gross annual salary or your final average salary, whichever is higher. As a general rule, it is usually best to buy service early in your career.
KPERS and Correctional KPERS
When you are "vested," it means you have earned enough service credit to guarantee a retirement benefit, even if you leave covered employment. Service credit from different systems can be combined.
Your age and service credit determines when you can retire. The requirements vary between retirement plans. Please refer to your retirement plan.
KPERS Tier I members earn a point for each year of age and each year of service credit. When these total 85, you have 85 points.
No, KPERS Tier 1 members do not need to have 85 points to retire. The 85 point rule is only one of three ways you can qualify for retirement. You can also retire with reduced benefits at different ages before you’ve earned 85 points.
The 85 point rule applies only to KPERS Tier 1 members.
KPERS and KP&F pre-retirement seminars are held each spring in many locations across the state. Watch this web site for specific date and location information.
Complete an Application for Retirement (KPERS-15) at least 30 days before you want to retire.
You can calculate your own estimate online. It will be helpful to have your most recent annual statement for reference. You can also download the Benefit Estimate Request form, or get one from your designated agent, and we can do an estimate for you. The Retirement System provides up to two estimates per year if you are within five years of retirement.
As a retiree, you are guaranteed a retirement benefit for the rest of your life and a lump-sum death benefit when you die. Please refer to Benefits at a Glance for your retirement plan.
The Retirement System mails retirees Internal Revenue Service 1099-R tax forms on January 31 of each year. Retirees use these forms when preparing their federal income tax returns.
In general, your retirement benefits are not subject to Kansas state income tax, but are subject to federal income tax. Check with your specific state if living somewhere other than Kansas.
Your monthly benefit payments will be deposited directly at your financial institution on the last working day of each month. You will receive your first payment at the end of the month after your retirement date.
KPERS retiree benefits are safe and guaranteed by Kansas law. A retiree will receive his or her benefit for life, no matter the economic condition. Members who leave employment and withdraw their contributions before retirement will receive the full amount they have contributed, plus interest.
The Retirement System is a 401(a) defined benefit pension plan. With a defined benefit plan, members’ benefits are guaranteed by law and depend on a formula, not on member contributions or market performance.