Throughout your career, you contribute part of your salary to the Retirement System. Your employer also contributes. KPERS then invests these funds and, when you retire, pays you a guaranteed monthly benefit for the rest of your life. Kansas law requires that all eligible employees must be members.
Your Online KPERS Account
Track your membership and plan details by logging in to your KPERS account. Inside your account you can:
- See your contributions and interest
- Check your service credit and final average salary
- Download your annual statements
- View your beneficiaries
- Use the customized benefit calculator
You automatically earn service credit for the years you work in a covered position. After a number of years of service, you are guaranteed a benefit. This is called "vesting."
- Tier I Members vest with 20 years of service.
- Tier II Members vest with 15 years of service.
If you have participated in more than one Retirement System group, you may be able to combine years of service towards vesting.
If you leave employment before retiring you can withdraw your contributions.
As a KP&F member you contribute 7.15% of your income. Kansas law does not allow you to borrow from your contributions.
If you became a member:
- Before July 1, 1993, your contributions earn 8% interest.
- On or after July 1, 1993, your contributions earn 4% interest.
Interest is credited annually on June 30, based on the balance in your account on December 31 of the year before.
How Benefits Are Funded
Your contributions are just one part of the funding that pays for your retirement benefit. After about 3 years, most retirees begin receiving more in total benefits than they paid in contributions (if no lump-sum option). Where does the rest come from? Employer contributions and KPERS investment returns.
Tier I, Tier II, and Transfer Members
Full Retirement Benefits
|15 Years of Service||20 Year of Service||25 Years of Service||32 Years of Service|
|Any Age||Tier I|
|Age 50||Tier I Transfer
Tier II Transfer
|Age 55||Tier I
Tier II Transfer
|Age 60||Tier II
Tier II Transfer
Reduced Retirement Benefits
|Age 50||Tier I
Tier I Transfer
Tier II Transfer
Same as regular Tier I and Tier II members, except that your monthly benefit will be offset by Social Security.
See your local plan provisions.
Combining Service Credit for Retirement Eligibility
If you have service credit with KPERS or the Judges retirement system, you may be able to combine service in other plans to become eligible for retirement. For example, if you have KPERS service credit, it may count towards your KP&F service requirement for retirement eligibility.
Only KP&F service will be used to calculate your KP&F retirement benefit. A separate retirement benefit will be calculated for your KPERS service.
Purchased military service cannot be used to reach retirement eligibility. Other guidelines apply. Contact the Retirement System to make sure you meet the requirements to retire.
Benefits Are Calculated Using a Formula
KP&F Benefit Formula:
Final average salary x statutory multiplier x years of service = annual benefit at normal retirement age
Example: $35,000 x 2.5%* x 20 = $17,500 annual benefit
Calculate your retirement estimate:
KP&F Online Benefit Calculator (must enter your data)
KP&F Personalized Benefit Calculator (inside your member account, data pre-populated for you)
Final Average Salary
Your Final Average Salary (FAS) is an average of the three highest salaries of your last five years of service and may include additional compensation depending on your start date. You can see your current FAS by reviewing your MAS or logging on to your Account Access. For full details of this calculation see the Membership Guide.
2.5% for participating service
Benefit Payment Options
As a retiree, you will receive a monthly retirement benefit for the rest of your life. In addition, we have retirement payment options that add financial flexibility and allow you to provide for loved ones after your death.
Maximum Monthly Benefit Options
This option is the maximum monthly benefit you can receive. There is no continued monthly benefit after your death.
You can provide a continuing monthly benefit for someone after your death. Survivor benefits are equal to 50%, 75% or 100% of your benefit and are paid for the rest of your survivor's life. To provide this continuing benefit, your monthly benefit is reduced. Your benefit decreases as your joint annuitant's benefit increases.
If you die within a guaranteed period of time from retirement, your beneficiary will receive the same monthly benefit for the rest of that guaranteed period. Your monthly payments are reduced based on whether you chose the five-, ten-, or 15-year life-certain option. You can change beneficiaries at any time.
Partial Lump-Sum Option
You can take part of your retirement benefit in an up-front lump sum at retirement. This lump sum is then combined with one of the other retirement options to provide reduced, regular monthly payments for the rest of your life. You can choose a PLSO amount of 10%, 20%, 30%, 40% or 50% of the actuarial present value of your benefit. A PLSO payment is taxable income unless directly rolled over into an eligible retirement account.
For Detailed Information
- Retirement Options KP&F (PDF, 154KB)
As an active KP&F member you have death benefits, disability benefits and possibly optional group life insurance.
Optional Group Life Insurance (OGLI)
Optional group life insurance is coverage beyond your basic life insurance. You pay the cost of this coverage through payroll deduction. Many employers offer optional group life insurance, including the State of Kansas. Check with your employer.
Coverage amounts range from $5,000 to $400,000 in $5,000 increments. New employees are eligible for $250,000 of guaranteed coverage (without proof of good health) within 31 days of their hire date. You must provide proof of good health for amounts over $250,000.
Guaranteed Coverage (No Health Questions):
|Guaranteed Coverage Max||$250,000||$25,000||$20,000|
|Annual open enrollment||up to $50,000 increase||up to $25,000||$10,000 for $1/mo or $20,000 for $2/mo|
|New hire||up to $250,000||up to $25,000||$10,000 for $1/mo or $20,000 for $2/mo|
|*Family status change||up to $50,000 increase||up to $25,000||$10,000 or $20,000|
*Within 31 days of marriage, divorce, birth, adoption or employment status change (member or spouse).
Anytime Coverage (Some Health Questions):
|Choice of $5,000 increments||$5,000 min
|only available w/new hire, open enrollment or family status change|
Other Optional Insurance Details
- You can start or increase coverage any time with proof of good health.
- With the "Accelerated Death Benefit," if you are diagnosed as terminally ill with 24 months or less to live, you may be eligible to receive up to 100% of your life insurance instead of your beneficiary receiving the insurance amount.
Basic and Optional Group Life Insurance Brochure (PDF, 348KB)
Optional Group Life Insurance Enrollment Form (PDF, 571KB)
If You Leave Employment
Life insurance ends when you leave employment. However, you can continue your coverage on your own.
Tier I and Tier II members are covered by different disability benefits. You are not eligible for disability benefits if you are injured while working for any employer other than your KP&F employer.
How Benefits Are Funded
Under Tier I, you will remain on disability for the rest of your life unless you return to work for a KP&F participating employer or you are no longer disabled.
Service-Connected Disability Benefits
You receive an annual disability benefit, in ongoing monthly payments, based on the higher of:
- 50% of your final average salary
- Final average salary x 2.5% x years of service
If you have eligible children, each receives an annual benefit of up to 10% of your final average salary (subject to maximum) in ongoing monthly payments. Children are eligible up to age 18, or 23, if a full-time student. The maximum family benefit, including children’s benefits, is 75% of your final average salary. If you do not have eligible children, the maximum benefit is 90% of your final average salary.
Non Service-Connected Disability Benefits
You receive an annual benefit of your final average salary x 2.5% x years of service, in on-going monthly payments. The minimum benefit is 25% of your final average salary and the maximum benefit is 90%. You must wait 180 days from the last day you are actively at work to apply for benefits.
Your disability benefits are the same, whether your disability is service-connected or non service-connected. You receive an annual benefit of 50% of your final average salary, in ongoing monthly payments. There is no waiting period. You will continue receiving service credit until you are no longer disabled or until you are eligible to retire. If you are already eligible to retire, you may not apply for disability.
If you are disabled and off payroll for five or more years, your final average salary may be recalculated to benefit you when determining your retirement benefits.
Reminder To apply for disability benefits, contact your designated agent.
Working While Receiving Disability Benefits
If you return to work for any KP&F participating employer, your disability benefits will automatically stop. There is no earnings limit for non-public safety employment.
Benefits are automatically paid to your spouse and/or eligible children. Children are eligible up to age 18, or age 23 if a full-time student. If you do not have a surviving spouse or eligible children, your beneficiary receives a one-time lump-sum benefit.
Your spouse receives a lifetime monthly benefit based on the greater of:
Your children, if eligible, also receive an annual benefit of 10% of your final average salary. The maximum total benefit is 90% of your final average salary. If you do not have a surviving spouse or eligible children, your beneficiary receives a lump sum equal to your current annual salary.
Non Service-Connected Death
Your spouse receives a lump-sum payment of 100% of your final average salary, plus an annual benefit of your final average salary x 2.5% x years of service in on-going monthly payments for the rest of his or her life. The maximum annual benefit is 50% of your final average salary. If you do not have a surviving spouse, your eligible children share the benefit. If you do not have a surviving spouse or eligible children, your beneficiary receives a lump sum equal to your current annual salary.
For more information about your benefits:
Benefits at a Glance
Naming a Beneficiary
Active members can name separate beneficiaries for:
1. KPERS retirement benefits (return of contributions and interest, or surviving spouse benefit).
2. Group life insurance benefits (basic and optional).
You can add or change beneficiaries at any time by completing a Designation of Beneficiary form (K-7/99).
For full details on beneficiaries see Naming a Beneficiary.
You need to claim your KPERS contributions on your Kansas income Tax Return. This applies to all active members of all Retirement System plans. Read more tax information.
You may be able to increase your benefit and possibly retire earlier by purchasing service credit. The types of service credit you can purchase depends on the Retirement System. See the Service Purchase page or check your membership guide for full details.
Don't wait. Service Purchase costs are based on salary and age. Now is probably the most inexpensive time for you to buy.