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PERS Plan 2 Member Handbook

WASHINGTON STATED epartment of Retirement Systemsmaking it easy to see your futurePERS plan 2 HandbookPublic Employees Retirement SystemJanuary 2018 Public Employees Retirement System ( pers ) plan 2 Welcome to pers 2 plan summary 3 How to contact the Department of Retirement Systems 3 Privacy of your information 4 How your plan works 6 Planning for retirementMilestones/ life changes 7 Becoming vested 7 Option to transfer to pers plan 3 7 Leaving public service 8 Returning to public service 8 Marriage or divorce 8 If the unexpected happensApproaching retirement 10 Retirement planning checkup10 Service retirement 11 Early retirement 11 Retiring as a dual Member 12 Estimating your benefit 12 Purchasing additional service credit 12 Updating your plan for retirementReady to retire 13 Applying for retirement online 13 Applying for retirement on paper 13 Your benefit options 13 Health insurance coverage 14 Federal benefit limit 14 Federal tax on your monthly benefit 14 Legal actions 14 When and how your benefit will be paidOnce you retire 15 Cost-of-Living Adjustment (COLA)

www.drs.wa.gov 2 Plan summary PERS Plan 2 is a defined benefit plan. When you meet plan requirements and retire, you are guaranteed a monthly benefit for the rest of your life.

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