It’s going to be a long time before many younger state workers are able to reap the benefits of their pension systems.

A recent Urban Institute analysis finds employees hired at age 25 in half of traditional state and local systems must work 20 or more years to start receiving pension payments worth more than their contributions. For others, the wait extends 30 years or even longer.

The recent rounds of pension reforms widened the time period before many participating employees can begin earning employer-financed benefits. The Urban Institute argues that, for those disproportionally affected, this is cause for concern.

“We want these plans to keep up with the times and be appropriate with the modern labor force when people are changing jobs more frequently and working longer,” said Richard Johnson, who directs the Urban Institute’s retirement policy program.

Retirement eligibility is typically based on a combination of a person’s age and years of service. In most systems, shorter-tenured workers' contributions help subsidize benefits of longtime employees. Many of these short-term workers actually lose money because the interest from their pension plans is less than what they could earn by investing money on their own, Johnson said.

Much of the reforms state legislatures passed in recent years raised contribution rates, while others increased retirement ages. Such adjustments pushed up the number of service years plan participants need to begin accumulating benefits from their employers.

For the most part, younger workers incurred far greater benefit cuts than those nearing the end of their careers. The changes have prompted some public sector groups to warn that cuts could deter newcomers from entering public service. A Governing analysis of retirement data published earlier this year also found pension reforms contributed to sizable increases in employee retirements in at least six states.

The following chart, compiled by the Urban Institute, shows how much longer 25-year-old new hires will need to work before accumulating employer-financed benefits from 128 state plans subject to reforms.

According to the Urban Institute’s Johnson, too many retirement systems aren’t distributing benefits fairly among members. “It’s important that even those who only stay on the job for 10 years get something out of the plan,” he said.

For some systems, the time it takes to accumulate employer-financed systems extends more than three decades. In Montana, 25-year-old employees hired after 2011 must work 36 years before accumulating employer-financed benefits from the state’s Public Employees’ Retirement System. New Ohio teachers of the same age retiring after 2026 will similarly need to work 35 years in order to earn employer-backed benefits from the State Teachers Retirement System of Ohio, according to Urban Institute calculations.

How systems are structured varies across occupations. The Urban Institute found new age-25 teaching hires must work a median of 24 years before receiving employer-financed benefits. For police and fire hires, it’s 18 years.

Because of some plans’ design, employees could see drastic swings in retirement benefits over the course of only one or two years. Police and fire pension plans, in particular, are notorious for such retirement benefit spikes. As a result, employees run the risk of losing out if they need to move or change jobs for various reasons.

The following table lists the years of service it takes to begin earning employer-financed benefits for 612 defined-benefit plans. Calculations shown are for employees hired at age 25, as computed by the Urban Institute using each plan’s adopted interest rate and inflation assumptions.

 

       
State Pension Plan Years Link
South Dakota South Dakota Retirement System (Class B): State and local police and firefighters Retired before July 1, 2008 3 View Plan Details
Utah Tier 1 Noncontributory: General state government employees Hired after June 30, 1986 and before July 1, 2011 4 View Plan Details
Utah Tier 2 Public Employees Contributory Retirement System: General state government employees Hired after June 30, 2011 4 View Plan Details
Utah Tier 1 Noncontributory: Teachers Hired after June 30, 1986 and before July 1, 2011 4 View Plan Details
Utah Tier 2 Public Employees Contributory Retirement System: Teachers Hired after June 30, 2011 4 View Plan Details
Utah Tier 1 Noncontributory: General local government employees Hired after June 30, 1986 and before July 1, 2011 4 View Plan Details
Utah Tier 2 Public Employees Contributory Retirement System: General local government employees Hired after June 30, 2011 4 View Plan Details
Utah Tier 1 Public Safety: Noncontributory: Police and Fire Hired after June 30, 1989 and before July 1, 2011 (Public Safety: Non-Contributory) 4 View Plan Details
Utah Tier 2 Public Safety and Firefighters Contributory Retirement System: Police and Fire Hired after June 30, 2011 4 View Plan Details
Arkansas Arkansas Public Employees Retirement Plan: General state government employees Hired after Jan. 1, 1978 and retire by June 30, 2007 5 View Plan Details
Arkansas Arkansas Public Employees Retirement Plan: General state government employees Hired on July 1, 1997 5 View Plan Details
Arkansas Arkansas Public Employees Retirement Plan: General local government employees Hired after Jan. 1, 1978 and retire by June 30, 2007 5 View Plan Details
Arkansas Arkansas Public Employees Retirement Plan: General local government employees Hired on July 1, 1997 5 View Plan Details
Arkansas Arkansas Public Employees Retirement Plan: Certain state and local public safety workers Hired after Jan. 1, 1978 and before July 1, 2005 5 View Plan Details
Arkansas Arkansas Local Police and Fire Retirement System: Local Police and Fire BP1 5 View Plan Details
Arkansas Arkansas State Police Retirement System: State Police Hired before April 3, 1997 (Tier 1) 5 View Plan Details
Arkansas Arkansas State Police Retirement System: State Police Hired on or after April 3, 1997 (Tier 2) 5 View Plan Details
California California Public Employees' Retirement System (CalPERS) - State Peace Officers and Firefighters (Firefighters): Firefighters Hired before January 15, 2011 5 View Plan Details
California California Public Employees' Retirement System (CalPERS) - State Peace Officers and Firefighters (Police): State peace officers Hired before January 15, 2011 5 View Plan Details
California California Public Employees' Retirement System (CalPERS) - California Highway Patrol: California Highway Patrol Officers Hired before January 15, 2011 5 View Plan Details
California California Public Employees' Retirement System (CalPERS) - Local Safety Members: Local police and firefighters Hired before January 1, 2012 5 View Plan Details
Connecticut Connecticut Municipal Employees Retirement System (CMERS) - Covered by Social Security: General local government employees covered by Social Security 5 View Plan Details
Indiana Indiana State Police Fund: State police Hired before July 1, 1987 5 View Plan Details
Maryland Maryland State Retirement and Pension System: Law Enforcement Officers' Pension System: State and local law enforcement and firefighters Law Enforcement Officers' Pension System - Hired before Jan. 1, 2005 and did not move into alternative plan 5 View Plan Details
Missouri Missouri State Employees Retirement System: MSEP 2000: General state government employees Hired on or after July 1, 2000 and before Jan. 1, 2011 5 View Plan Details
Missouri Missouri State Employees Retirement System: MSEP: General state government employees Hired on or after Aug. 28, 1997 and before July 1, 2000 5 View Plan Details
Missouri Missouri State Employees Retirement System: MSEP: General state government employees Hired before Aug. 28, 1997 5 View Plan Details
Missouri Missouri Dept of Transportation and Highway Patrol Employees' Retirement System (Closed Plan): State Police State Police - Closed plan, hired on or before Jan. 1, 1995 5 View Plan Details
Missouri Missouri Dept of Transportation and Highway Patrol Employees' Retirement System (Closed Plan): State Police State Police - Closed plan, hired after Jan. 1. 1995 and before July 1, 2000 5 View Plan Details
Montana Municipal Police Officer's Retirement System (MPORS): Local police officers Hired before July 1, 1975 5 View Plan Details
Montana Municipal Police Officer's Retirement System (MPORS): Local police officers Hired on or after July 1, 1975 and before July 1, 1979 5 View Plan Details
Montana Municipal Police Officer's Retirement System (MPORS): Local police officers Hired on or after July 1, 1979 and before July 1, 1997 5 View Plan Details
New York New York State and Local Police and Fire Retirement System: Local police officers and firefighters Hired on or after July 31, 1973 and before July 1, 2009 (Tier 2) 5 View Plan Details
New York New York State and Local Police and Fire Retirement System: State police Hired on or after July 31, 1973 and before July 1, 2009 (Tier 2) 5 View Plan Details
Oregon Oregon Public Employees Retirement System: Tier One: General state government employees Hired before July 14, 1995 5 View Plan Details
Oregon Oregon Public Employees Retirement System: Tier Two: General state government employees Hired on or after Jan. 1, 1996 and before Aug. 29, 2003 5 View Plan Details
Oregon Oregon Public Employees Retirement System: OPSRP: General state government employees Hired on or after Aug. 28, 2003 5 View Plan Details
Oregon Oregon Public Employees Retirement System: Tier One: General local government employees Hired before July 14, 1995 5 View Plan Details
Oregon Oregon Public Employees Retirement System: Tier Two: General local government employees Hired on or after Jan. 1, 1996 and before Aug. 29, 2003 5 View Plan Details
Oregon Oregon Public Employees Retirement System: OPSRP: General local government employees Hired on or after Aug. 28, 2003 5 View Plan Details
Oregon Oregon Public Employees Retirement System: Tier One: Teachers Hired before July 14, 1995 5 View Plan Details
Oregon Oregon Public Employees Retirement System: Tier Two: Teachers Hired on or after Jan. 1, 1996 and before Aug. 29, 2003 5 View Plan Details
Oregon Oregon Public Employees Retirement System: OPSRP: Teachers Hired on or after Aug. 28, 2003 5 View Plan Details
Oregon Oregon Public Employees Retirement System: Tier One: State and Local Police Officers and Firefighters Hired before July 14, 1995 5 View Plan Details
Oregon Oregon Public Employees Retirement System: Tier Two: State and Local Police Officers and Firefighters Hired on or after Jan. 1, 1996 and before Aug. 29, 2003 5 View Plan Details
Oregon Oregon Public Employees Retirement System: OPSRP: State and Local Police Officers and Firefighters Hired on or after Aug. 28, 2003 5 View Plan Details
Pennsylvania Commonwealth of Pennsylvania State Employees' Retirement System (SERS) - Class A (State Police): State police Hired before July 1, 2012 5 View Plan Details
South Dakota South Dakota Retirement System (Class B): State and local police and firefighters Hired on or after July 1, 2008 5 View Plan Details
Tennessee Tennessee Consolidated Retirement System: General state government employees Hired on or after July 1, 1976 5 View Plan Details
Tennessee Tennessee Consolidated Retirement System: General local government employees Hired on or after July 1, 1976 5 View Plan Details
Tennessee Tennessee Consolidated Retirement System: Local police officers and firefighters Hired on or after July 1, 1976 (Local Police and Fire) 5 View Plan Details
Tennessee Tennessee Consolidated Retirement System: State Police Hired on or after July 1, 1976 (State Police) 5 View Plan Details
Washington Public Employees' Retirement System (PERS) - Plan 3: General state government employees Hired on or after March 1, 2002 and before May 1, 2013 5 View Plan Details
Washington Public Employees' Retirement System (PERS) - Plan 3: General state government employees Hired on or after May 1, 2013 5 View Plan Details
Washington Public Employees' Retirement System (PERS) - Plan 3: General local government employees Hired on or after Setember 1, 2002 and before May 1, 2013 5 View Plan Details
Washington Public Employees' Retirement System (PERS) - Plan 3: General local government employees Hired on or after May 1, 2013 5 View Plan Details
Wisonsin Wisconsin Retirement System (WRS) - Fire: Police and Fire Retired before January 1, 2000 (Fire) 5 View Plan Details
Wisonsin Wisconsin Retirement System (WRS) - Fire: Police and Fire 20 YOS on January 1, 2000 (Fire) 5 View Plan Details
Florida Florida Retirement System Pension Plan: Special Risk Class: State and local police and firefighters Hired before July 1, 2011 6 View Plan Details
Wisonsin Wisconsin Retirement System (WRS) - Fire: Police and Fire Hired after June 30, 2011 (Fire) 6 View Plan Details
Maryland Maryland State Retirement and Pension System: Retirement System for State Police: State Police Retirement System for State Police - Hired on or before June 30, 2011 7 View Plan Details
California California Public Employees' Retirement System (CalPERS) - California Highway Patrol: California Highway Patrol Officers Hired on or after January 15, 2011 and before January 1, 2013 8 View Plan Details
Missouri Missouri Local Government Employees Retirement System (LAGERS): Option L7 (Police and Fire): Local fire and police LAGERS (Option L7) 8 View Plan Details
Missouri Missouri Local Government Employees Retirement System (LAGERS): Option L12 (Police and Fire): Local fire and police LAGERS (Option L12) 8 View Plan Details
Missouri Missouri Local Government Employees Retirement System (LAGERS): Option L6 (Police and Fire): Local fire and police LAGERS (Option L6) 8 View Plan Details
Wisonsin Wisconsin Retirement System (WRS) - Police/Sheriffs/Deputies: Police and Fire Retired before January 1, 2000 (Law Enforcement) 8 View Plan Details
Wisonsin Wisconsin Retirement System (WRS) - Police/Sheriffs/Deputies: Police and Fire 20 YOS on January 1, 2000 (Law Enforcement) 8 View Plan Details
Wyoming Wyoming Paid Firemen's Pension Plan B: Local firefighters Local firefighters hired on or after July 1, 1981 8 View Plan Details
Indiana Indiana State Police Fund: State police Hired on or after July 1, 1987 9 View Plan Details
Maryland Maryland State Retirement and Pension System: Law Enforcement Officers' Pension System: State and local law enforcement and firefighters Law Enforcement Officers' Pension System - Hired on or before June 30, 2011 9 View Plan Details
Wisonsin Wisconsin Retirement System (WRS) - Police/Sheriffs/Deputies: Police and Fire Hired after June 30, 2011 (Law Enforcement) 9 View Plan Details
California California Public Employees' Retirement System (CalPERS) - State Miscellaneous Members Tier 2: General state government employees Hired before January 15, 2011 (CalPERS, Tier 2) 10 View Plan Details
California California Public Employees' Retirement System (CalPERS) - State Miscellaneous Members Tier 2: General state government employees Hired on or after January 15, 2011 and before January 1, 2013 (CalPERS, Tier 2) 10 View Plan Details
California California Public Employees' Retirement System (CalPERS) - State Miscellaneous Members Tier 2: General state government employees Hired on or after January 1, 2013 (CalPERS, Tier 2) 10 View Plan Details
California California Public Employees' Retirement System (CalPERS) - State Peace Officers and Firefighters (Firefighters): Firefighters Hired on or after January 15, 2011 and before January 1, 2013 10 View Plan Details
Connecticut Connecticut State Employees Retirement System (SERS) - Tier II: General state government employees Hired after July 1, 1984 and before July 1, 1997 10 View Plan Details
Connecticut Connecticut State Employees Retirement System (SERS) - Tier IIA: General state government employees Hired on or after July 1, 1997 and before July 1, 2011 10 View Plan Details
Georgia Employees' Retirement System of Georgia (ERS) - Old Plan: General state government employees Hired before July 1, 1982 10 View Plan Details
Georgia Employees' Retirement System of Georgia (ERS) - New Plan: General state government employees Hired on or after July 1, 1982 and before January 1, 2009 10 View Plan Details
Georgia Peace Officers' Annuity and Benefit Fund of Georgia : Peace officers Hired before July 1, 2010 10 View Plan Details
Hawaii Employees' Retirement System of the State of Hawaii (ERS) - Noncontributory Plan: General state government employees Hired on or after July 1, 1984 and before July 1, 2006 10 View Plan Details
Hawaii Employees' Retirement System of the State of Hawaii (ERS) - Noncontributory Plan: General local government employees Hired on or after July 1, 1984 and before July 1, 2006 10 View Plan Details
Hawaii Employees' Retirement System of the State of Hawaii (ERS) - Noncontributory Plan: Teachers Hired on or after July 1, 1984 and before July 1, 2006 10 View Plan Details
Indiana Indiana Public Employees Retirement Fund: General state government employees 10 View Plan Details
Indiana Indiana Public Employees Retirement Fund: General local government employees 10 View Plan Details
Indiana Indiana StateTeachers Retirement Fund: Teachers 10 View Plan Details
Louisiana Louisiana State Police Retirement System: State police Hired before Jan. 1, 2011 10 View Plan Details
Massachusetts Massachusetts Public Employee Retirement System: General state government employees Hired on or after Jan. 1, 1979 and before Jan. 1, 1984 10 View Plan Details
Massachusetts Massachusetts Public Employee Retirement System: General state government employees Hired on or after Jan. 1, 1984 and before July 1, 1996 10 View Plan Details
Massachusetts Massachusetts Public Employee Retirement System: General state government employees Hired on or after July 1, 1996 and before April 1, 2012 10 View Plan Details
Massachusetts Massachusetts Public Employee Retirement System: General local government employees Hired on or after Jan. 1, 1979 and before Jan. 1, 1984 10 View Plan Details
Massachusetts Massachusetts Public Employee Retirement System: General local government employees Hired on or after Jan. 1, 1984 and before July 1, 1996 10 View Plan Details
Massachusetts Massachusetts Public Employee Retirement System: General local government employees Hired on or after July 1, 1996 and before April 1, 2012 10 View Plan Details
Massachusetts Massachusetts Public Employee Retirement System: Local police officers and firefighters Local police officers and firefighters - Hired on or after Jan. 1, 1979 and before Jan. 1, 1984 10 View Plan Details
Massachusetts Massachusetts Public Employee Retirement System: Local police officers and firefighters Local police officers and firefighters - Hired on or after Jan. 1, 1984 and before July 1, 1996 10 View Plan Details
Massachusetts Massachusetts Public Employee Retirement System: Local police officers and firefighters Local police officers and firefighters - Hired on or after July 1, 1996 and before April 1, 2012 10 View Plan Details
Massachusetts Massachusetts Public Employee Retirement System: Local police officers and firefighters Local police officers and firefighters - Hired on or after April 1, 2012 10 View Plan Details
Massachusetts Massachusetts Teachers' Retirement System: Teachers Hired on or after Jan. 1, 1979 and before Jan. 1, 1984 10 View Plan Details
Massachusetts Massachusetts Teachers' Retirement System: Teachers Hired on or after Jan. 1, 1984 and before July 1, 1996 10 View Plan Details
Massachusetts Massachusetts Teachers' Retirement System: Teachers Hired on or after July 1, 1996 and before July 1, 2001 10 View Plan Details
Michigan Public School Employees' Retirement System - Basic: Teachers Hired before January 1, 1990 and retired before February 1, 2013 10 View Plan Details
Michigan Public School Employees' Retirement System - Member Investment Plan (MIP) Graded - Option 1: Teachers Hired after December 31, 1989 and before July 1, 2008 - 20 YOS on February 1, 2013 (Option 1) 10 View Plan Details
Michigan Public School Employees' Retirement System - Member Investment Plan (MIP) Graded - Option 2: Teachers Hired after December 31, 1989 and before July 1, 2008 - 20 YOS on February 1, 2013 (Option 2) 10 View Plan Details
Michigan Public School Employees' Retirement System - Member Investment Plan (MIP) Graded - Option 3: Teachers Hired after December 31, 1989 and before July 1, 2008 - 20 YOS on February 1, 2013 (Option 3) 10 View Plan Details
Michigan Public School Employees' Retirement System - Member Investment Plan (MIP) Graded - Option 4: Teachers Hired after December 31, 1989 and before July 1, 2008 - 20 YOS on February 1, 2013 (Option 4) 10 View Plan Details
Michigan State Employees Retirement System - DB Plan: General state government employees Hired before March 31, 1997 and retired before April 1, 2012 10 View Plan Details
Michigan State Employees Retirement System - DB Classified: General state government employees Hired before March 31, 1997 and 20 YOS on April 1, 2012 10 View Plan Details
Michigan State Employees Retirement System - DB 30: General state government employees Hired before March 31, 1997 and 20 YOS on April 1, 2012 10 View Plan Details
Michigan State Employees Retirement System - DB/DC Blend: General state government employees Hired before March 31, 1997 and 20 YOS on April 1, 2012 10 View Plan Details
Minnesota Minnesota State Patrol Retirement Fund: State Police Minnesota State Patrol Retirement Fund - Hired Before July 1, 2010 10 View Plan Details
Minnesota Minnesota State Patrol Retirement Fund: State Police Minnesota State Patrol Retirement Fund - Hired on or after July 1, 2010 10 View Plan Details
Montana Municipal Police Officer's Retirement System (MPORS): Local police officers Hired on or after July 1, 1997 10 View Plan Details
North Dakota North Dakota Public Employees Retirement System: Local police officers and firefighters 10 View Plan Details
New York New York State and Local Employees' Retirement System: General state government employees Hired on or after April 1, 2012 (Tier 6) 10 View Plan Details
New York New York State and Local Employees' Retirement System: General local government employees Hired on or after April 1, 2012 (Tier 6) 10 View Plan Details
New York New York State and Local Police and Fire Retirement System: Local police officers and firefighters Hired on or after Jan. 9, 2010 and before April 1, 2012 (Tier 5) 10 View Plan Details
New York New York State and Local Police and Fire Retirement System: Local police officers and firefighters Hired on or after April 1, 2012 (Tier 6) 10 View Plan Details
New York New York State and Local Police and Fire Retirement System: State police Hired on or after Jan. 9, 2010 and before April 1, 2012 (Tier 5) 10 View Plan Details
New York New York State Teachers' Retirement System: Teachers Hired on or after April 1, 2012 (Tier 6) 10 View Plan Details
Washington Washington Teachers' Retirement System (TRS) - Plan 3: Teachers Hired after June 30, 1996 and before May 1, 2013 10 View Plan Details
Washington Washington Teachers' Retirement System (TRS) - Plan 3: Teachers Hired on or after May 1, 2013 10 View Plan Details
Alabama Employees' Retirement System (ERS) - Tier 1 (State Police): State police Hired before January 1, 2013 11 View Plan Details
California California Public Employees' Retirement System (CalPERS) - California Highway Patrol: California Highway Patrol Officers Hired on or after January 1, 2013 11 View Plan Details
California California Public Employees' Retirement System (CalPERS) - Local Miscellaneous Members: General local government employees Hired before January 1, 2012 11 View Plan Details
Florida Florida Retirement System Pension Plan: Special Risk Class: State and local police and firefighters Hired on or after July 1, 2011 11 View Plan Details
Louisiana Louisiana Parochial Employees' Retirement System: Plan B: General local government employees Hired before Jan. 1, 2007 (PERSLA, Plan B) 11 View Plan Details
Maryland Maryland State Retirement and Pension System: Law Enforcement Officers' Pension System: State and local law enforcement and firefighters Law Enforcement Officers' Pension System - Hired after June 30, 2011 11 View Plan Details
Maryland Maryland State Retirement and Pension System: Retirement System for State Police: State Police Retirement System for State Police - Hired after June 30, 2011 11 View Plan Details
Michigan Public School Employees' Retirement System - Member Investment Plan (MIP) Fixed - Option 1: Teachers Hired before January 1, 1990, elected MIP plan - 25 YOS on February 1, 2013 (Option 1) 11 View Plan Details
Michigan Public School Employees' Retirement System - Member Investment Plan (MIP) Fixed - Option 2: Teachers Hired before January 1, 1990, elected MIP plan - 25 YOS on February 1, 2013 (Option 2) 11 View Plan Details
Michigan Public School Employees' Retirement System - Member Investment Plan (MIP) Fixed - Option 3: Teachers Hired before January 1, 1990, elected MIP plan - 25 YOS on February 1, 2013 (Option 3) 11 View Plan Details
Michigan Public School Employees' Retirement System - Member Investment Plan (MIP) Fixed - Option 4: Teachers Hired before January 1, 1990, elected MIP plan - 25 YOS on February 1, 2013 (Option 4) 11 View Plan Details
Minnesota Minnesota State Employees Retirement Fund: General state government employees Hired on or after July 1, 2010 11 View Plan Details
Minnesota Minnesota State Employees Retirement Fund: General state government employees Hired on or after July 1, 1989 and before July 1, 2010 11 View Plan Details
Minnesota Minnesota State Employees Retirement Fund: General state government employees Hired before July 1, 1989 11 View Plan Details
New York New York State Teachers' Retirement System: Teachers Hired on or after July 27, 1976 and before Jan. 1, 2010 (Tiers 3 & 4) 11 View Plan Details
California California Public Employees' Retirement System (CalPERS) - State Peace Officers and Firefighters (Firefighters): Firefighters Hired on or after January 1, 2013 12 View Plan Details
California California Public Employees' Retirement System (CalPERS) - State Peace Officers and Firefighters (Police): State peace officers Hired on or after January 15, 2011 and before January 1, 2013 12 View Plan Details
California California Public Employees' Retirement System (CalPERS) - State Peace Officers and Firefighters (Police): State peace officers Hired on or after January 1, 2013 12 View Plan Details
Connecticut Connecticut Municipal Employees Retirement System (CMERS) - Not Covered by Social Security: General local government employees not covered by Social Security 12 View Plan Details
Delaware Delaware State Employees' Pension Plan: General state government employees Hired on or after Jan. 1, 1997 and before Jan. 1, 2012 12 View Plan Details
Delaware Delaware State Employees' Pension Plan: Teachers Hired on or after Jan. 1, 1997 and before Jan. 1, 2012 12 View Plan Details
Georgia Employees' Retirement System of Georgia (ERS) - GSEPS: General state government employees Hired on or after January 1, 2009 12 View Plan Details
Lousiana Louisiana Municipal Police Employees' Retirement System: Local police officers Hired before Jan. 1, 2013 12 View Plan Details
Louisiana Louisiana State Police Retirement System: State police Hired on or after Jan. 1, 2011 12 View Plan Details
Montana Firefighters Unified Retirement System (FURS): Local firefighters Hired on or after July 1, 1981 12 View Plan Details
New York New York State and Local Employees' Retirement System: General state government employees Hired on or after July 27, 1976 and before Jan. 1, 2010 (Tiers 3 & 4) 12 View Plan Details
New York New York State and Local Employees' Retirement System: General local government employees Hired on or after July 27, 1976 and before Jan. 1, 2010 (Tiers 3 & 4) 12 View Plan Details
Pennsylvania Commonwealth of Pennsylvania State Employees' Retirement System (SERS) - Class A-3 (State Police): State police Hired on or after July 1, 2012 (Class A-3) 12 View Plan Details
Pennsylvania Pennsylvania Municipal Retirement System (PMRS): Police and Fire 12 View Plan Details
Virginia Virginia Retirement System (VRS) - Plan 1: General state government employees Hired before July 1, 2010 and vested on January 1, 2013 12 View Plan Details
Virginia Virginia Retirement System (VRS) - Plan 1: General local government employees Hired before July 1, 2010 and vested on January 1, 2013 12 View Plan Details
Virginia Virginia Retirement System (VRS) - Plan 1: Teachers Hired before July 1, 2010 and vested on January 1, 2013 12 View Plan Details
Arkansas Arkansas Local Police and Fire Retirement System: Local Police and Fire BP2 13 View Plan Details
Florida Florida Retirement System Pension Plan: Regular Class: General state government employees Hired before July 1, 2011 13 View Plan Details
Florida Florida Retirement System Pension Plan: Regular Class: General local government employees Hired before July 1, 2011 13 View Plan Details
Florida Florida Retirement System Pension Plan: Regular Class: Teachers Hired before July 1, 2011 13 View Plan Details
North Dakota North Dakota Highway Patrolmen's Retirement System: State Police 13 View Plan Details
Texas Law Enforcement and Custodial Officers Supplemental Retirement Fund: State law enforcement officers Hired before Sept. 1, 2009 13 View Plan Details
California California Public Employees' Retirement System (CalPERS) - State Miscellaneous Tier 1: General state government employees Hired before January 15, 2011 (CalPERS, Tier 1) 14 View Plan Details
California California Public Employees' Retirement System (CalPERS) - Local Safety Members: Local police and firefighters Hired on or after January 1, 2012 14 View Plan Details
Delaware Delaware County and Municipal Other Employees' Pension Plan: General local government employees 14 View Plan Details
Iowa Iowa Public Employees Retirement System (IPERS): Protection Occupations: Police and Fire 14 View Plan Details
Michigan Public School Employees' Retirement System - Member Investment Plan (MIP) Plus: Teachers Hired after June 30, 2008 and before July 1, 2010 (MIP Plus) 14 View Plan Details
Mississippi Mississippi Highway Safety Patrol Retirement System: State Police State Police 14 View Plan Details
Virginia Virginia Law Officers' Retirement System (VaLORS) - Plan 1: Police and Fire Hired after June 30, 2001 and before July 1, 2010 and vested on January 1, 2013 14 View Plan Details
Vermont Vermont State Employees' Retirement System (Group C): State police and firefighters 14 View Plan Details
Washington Washington State Patrol Retirement System (WSPRS) - Plan 1: State police Hired before January 1, 2003 14 View Plan Details
Wyoming Wyoming State Patrol, Game & Fish Warden and Criminal Investigator Pension Plan: State highway patrol 14 View Plan Details
Arkansas Arkansas Local Police and Fire Retirement System: Local Police and Fire BP1 15 View Plan Details
Arkansas Arkansas Local Police and Fire Retirement System: Local Police and Fire BP2 15 View Plan Details
Georgia Peace Officers' Annuity and Benefit Fund of Georgia : Peace officers Hired after June 30, 2010 15 View Plan Details
Illinois Illinois Municipal Retirement Fund: General local government employees Hired before Jan. 1, 2011 (Tier 1) 15 View Plan Details
Louisiana Louisiana Parochial Employees' Retirement System: Plan B: General local government employees Hired on or after Jan. 1, 2007 (PERSLA, Plan B) 15 View Plan Details
Missouri Missouri Local Government Employees Retirement System (LAGERS): Option L6: Local government employees LAGERS (Option L6) 15 View Plan Details
North Carolina Teachers' and State Employees' Retirement System (TSERS): Police and Fire Hired before August 1, 2011 15 View Plan Details
North Carolina Teachers' and State Employees' Retirement System (TSERS): Police and Fire Hired after July 31, 2011 15 View Plan Details
North Carolina Local Governmental Employees' Retirement System (LGERS): Police and Fire LGERS Police and Fire 15 View Plan Details
Virginia State Police Officers' Retirement System (SPORS) - Plan 1: Police and Fire Hired before July 1, 2010 and vested on January 1, 2013 15 View Plan Details
Virginia Political Subdivision Employees Eligible for Enhanced Hazardous Duty Coverage (VRS) - Plan 1: Police and Fire Hired before July 1, 2010 and vested on January 1, 2013 15 View Plan Details
Kentucky Kentucky Employees Retirement System: Hazardous Members: State government employees in hazardous positions (except state police) Hired before Sept. 1, 200 16 View Plan Details
Kentucky Kentucky County Employees Retirement System: Hazardous Members: Local police and firefighters Hired before Sept. 1, 2008 16 View Plan Details
Kentucky Kentucky State Police Retirement System: State Police Hired before Sept. 1, 2008 16 View Plan Details
Michigan Municipal Employees' Retirement System (MERS): General local government employees 16 View Plan Details
Michigan Municipal Employees' Retirement System (MERS): General local government employees 16 View Plan Details
Michigan Municipal Employees' Retirement System (MERS): Police and Fire 16 View Plan Details
Michigan Municipal Employees' Retirement System (MERS): Police and Fire 16 View Plan Details
New York New York State and Local Employees' Retirement System: General state government employees Hired on or after Jan. 1, 2010 and before April 1, 2012 (Tier 5) 16 View Plan Details
New York New York State and Local Employees' Retirement System: General local government employees Hired on or after Jan. 1, 2010 and before April 1, 2012 (Tier 5) 16 View Plan Details
Virginia State Police Officers' Retirement System (SPORS) - Plan 2: Police and Fire Hired after June 30, 2010 16 View Plan Details
Virginia Virginia Law Officers' Retirement System (VaLORS) - Plan 1: Police and Fire Hired before July 1, 2001 and vested on January 1, 2013 16 View Plan Details
Virginia Virginia Law Officers' Retirement System (VaLORS) - Plan 2: Police and Fire Hired after June 30, 2010 (VaLORS) 16 View Plan Details
Virginia Political Subdivision Employees Eligible for Enhanced Hazardous Duty Coverage (VRS) - Plan 2: Police and Fire Hired after June 30, 2010 (VRS) 16 View Plan Details
Washington Washington State Patrol Retirement System (WSPRS) - Plan 2: State police Hired on or after January 1, 2003 16 View Plan Details
Alaska Alaska Public Employees' Retirement System: General state government employees Hired before July 1, 1986 17 View Plan Details
Alaska Alaska Public Employees' Retirement System: General local government employees Hired before July 1, 1986 17 View Plan Details
Alaska Alaska Public Employees' Retirement System: State police Hired before July 1, 1986 17 View Plan Details
Alaska Alaska Public Employees' Retirement System: Local police officers and firefighters Hired before July 1, 1986 17 View Plan Details
California California Public Employees' Retirement System (CalPERS) - Local Miscellaneous Members: General local government employees Hired on or after January 1, 2013 17 View Plan Details
Connecticut Connecticut State Employees Retirement System (SERS) - Tier III: General state government employees Hired on or after July 1, 2011 17 View Plan Details
Georgia Georgia Firefighters' Pension Fund: Local firefighters 17 View Plan Details
Lousiana Louisiana Municipal Police Employees' Retirement System: Hazardous Duty Plan: Local police officers Hired on or after Jan. 1, 2013 17 View Plan Details
Michigan Municipal Employees' Retirement System (MERS): General local government employees 17 View Plan Details
Michigan Municipal Employees' Retirement System (MERS): General local government employees 17 View Plan Details
Michigan Municipal Employees' Retirement System (MERS): Police and Fire 17 View Plan Details
Michigan Municipal Employees' Retirement System (MERS): Police and Fire 17 View Plan Details
Minnesota Minnesota Public Employees Police and Fire Fund: Local police officers and firefighters Hired before July 1, 1989 17 View Plan Details
Minnesota Minnesota Public Employees Police and Fire Fund: Local police officers and firefighters Minnesota Public Employees Police and Fire Fund - Hired on or after July 1, 1989 and before July 1, 2007 17 View Plan Details
Minnesota Minnesota Public Employees Police and Fire Fund: Local police officers and firefighters Minnesota Public Employees Police and Fire Fund - Hired on or after July 1, 2007 and before July 1, 2010 17 View Plan Details
Minnesota Minnesota Public Employees Police and Fire Fund: Local police officers and firefighters Minnesota Public Employees Police and Fire Fund - Hired on or after July 1, 2010 17 View Plan Details
Missouri Missouri Local Government Employees Retirement System (LAGERS): Option L12: Local government employees LAGERS (Option L12) 17 View Plan Details
Oklahoma Oklahoma Public Employees Retirement System (OPERS): General state government employees Hired before July 1, 1992 17 View Plan Details
Oklahoma Oklahoma Public Employees Retirement System (OPERS): General state government employees Hired after June 30, 1992 and before November 1, 2011 17 View Plan Details
Oklahoma Oklahoma Public Employees Retirement System (OPERS): General local government employees Hired before July 1, 1992 17 View Plan Details
Oklahoma Oklahoma Public Employees Retirement System (OPERS): General local government employees Hired after June 30, 1992 and before November 1, 2011 17 View Plan Details
Virginia Virginia Law Officers' Retirement System (VaLORS) - Plan 2: Police and Fire Hired after June 30, 2010 (VaLORS) 17 View Plan Details
Washington Law Enforcement Officers' and Firefighters' Retirement System (LEOFF) - Plan 2: Local police officers and firefighters Hired after September 30, 1977 17 View Plan Details
California California Public Employees' Retirement System (CalPERS) - State Miscellaneous Members Tier 1: General state government employees Hired on or after January 15, 2011 and before January 1, 2013 (CalPERS, Tier 1) 18 View Plan Details
Hawaii Employees' Retirement System of the State of Hawaii (ERS) - Contributory Plan for General Employees: General state government employees Hired before July 1, 1984 18 View Plan Details
Hawaii Employees' Retirement System of the State of Hawaii (ERS) - Contributory Plan for General Employees: General local government employees Hired before July 1, 1984 18 View Plan Details
Hawaii Employees' Retirement System of the State of Hawaii (ERS) - Contributory Plan for General Employees: Teachers Hired before July 1, 1984 18 View Plan Details
Illinois State Employees' Reirement System of Illinois: General state government employees Hired before Jan. 1, 2011 (Tier 1) 18 View Plan Details
Illinois Illinois Municipal Retirement Fund: Sheriff's Law Enforcement Personnel Plan: Local sheriffs and deputies Hired on or after Jan. 1, 2011 (IMRF) (Tier 2) 18 View Plan Details
Louisiana Louisiana Firefighters Retirement System: Local firefighters 18 View Plan Details
Montana Firefighters Unified Retirement System (FURS): Local firefighters Hired before July 1, 1981 18 View Plan Details
New York New York State Teachers' Retirement System: Teachers Hired on or after Jan. 1, 2010 and before April 1, 2012 (Tier 5) 18 View Plan Details
Pennsylvania Commonwealth of Pennsylvania State Employees' Retirement System (SERS) - Class A: General state government employees Hired before July 1, 2001 18 View Plan Details
Pennsylvania Commonwealth of Pennsylvania State Employees' Retirement System (SERS) - Class AA: General state government employees Hired on or after July 1, 2001 and before January 1, 2011 18 View Plan Details
Pennsylvania Commonwealth of Pennsylvania State Employees' Retirement System (SERS) - Class A-4 (State Police) (Optional): Police and Fire Hired after June 30, 2012 (Class A-4) 18 View Plan Details
South Carolina South Carolina Police Officers Retirement System: State and local police officers and firefighters Hired before July 1, 2012 (Class 2) 18 View Plan Details
South Carolina South Carolina Police Officers Retirement System: State and local police officers and firefighters Hired on or after July 1, 2012 (Class 3) 18 View Plan Details
Wyoming Wyoming Public Employee Pension Plan: General state government employees Hired before Sept. 1, 2012 18 View Plan Details
Wyoming Wyoming Public Employee Pension Plan: General local government employees Hired before Sept. 1, 2012 18 View Plan Details
Kansas Kansas Public Employees Retirement System: Kansas Police and Fireman's Retirement System Tier 2: State and local police officers and firefighters Hired on or after July 1, 1989 19 View Plan Details
Michigan Michigan State Police Retirement System - Pension Plus Plan (PPP): Police and Fire Hired after June 9, 2012 19 View Plan Details
New Hampshire New Hampshire Retirement System: State and local police Hired before Jan. 1, 2002 (Police) 19 View Plan Details
New Hampshire New Hampshire Retirement System: State and local firefighters Hired before Jan. 1, 2002 (Fire) 19 View Plan Details
Vermont Vermont Municipal Employees' Retirement System (Group C): Local police and firefighters 19 View Plan Details
Wisonsin Wisconsin Retirement System (WRS): General state government employees Retired before January 1, 2000 19 View Plan Details
Wisonsin Wisconsin Retirement System (WRS): General state government employees 20 YOS on January 1, 2000 19 View Plan Details
Wisonsin Wisconsin Retirement System (WRS): Teachers Retired before January 1, 2000 19 View Plan Details
Wisonsin Wisconsin Retirement System (WRS): Teachers 20 YOS on January 1, 2000 19 View Plan Details
Wisonsin Wisconsin Retirement System (WRS): General local government employees Retired before January 1, 2000 19 View Plan Details
Wisonsin Wisconsin Retirement System (WRS): General local government employees 20 YOS on January 1, 2000 19 View Plan Details
Wyoming Wyoming Public Employee Pension Plan: Teachers Hired before Sept. 1, 2012 19 View Plan Details
Wyoming Wyoming Law Enforcement Pension Plan: County sheriffs and deputies, municipal police officers 19 View Plan Details
Alaska Alaska Teachers Retirement System: Teachers Hired on or after July 1, 1990 and before July 1, 2006 20 View Plan Details
Alaska Alaska Public Employees' Retirement System: State police Hired on or after July 1, 1986 and before July 1, 1996 20 View Plan Details
Alaska Alaska Public Employees' Retirement System: State police Hired on or after July 1, 1996 and before July 1, 2006 20 View Plan Details
Alaska Alaska Public Employees' Retirement System: Local police officers and firefighters Hired on or after July 1, 1986 and before July 1, 1996 20 View Plan Details
Alaska Alaska Public Employees' Retirement System: Local police officers and firefighters Hired on or after July 1, 1996 and before July 1, 2006 20 View Plan Details
Alabama Employees' Retirement System (ERS) - Tier 2 (State Police): State police Hired on or after January 1, 2013 20 View Plan Details
Arkansas Arkansas Teacher Retirement System: Teachers 20 View Plan Details
Arizona Arizona Public Safety Personnel Retirement System: State and local police officers and firefighters Hired before Jan. 1, 2012 20 View Plan Details
Colorado Public Employees' Retirement Association (PERA): General state government employees Hired before July 1, 2005; vested on January 1, 2011 20 View Plan Details
Colorado Public Employees' Retirement Association (PERA): General state government employees Hired after June 30, 2005 and before January 1, 2007; vested on January 1, 2011 20 View Plan Details
Colorado Public Employees' Retirement Association (PERA) - State Troopers: Police and Fire Eligible for a benefit on January 1, 2011 20 View Plan Details
Colorado Public Employees' Retirement Association (PERA) - State Troopers: Police and Fire Not eligible for a benefit on January 1, 2011 20 View Plan Details
Colorado Public Employees' Retirement Association (PERA): General local government employees Hired before July 1, 2005; vested on January 1, 2011 20 View Plan Details
Colorado Public Employees' Retirement Association (PERA): General local government employees Hired after June 30, 2005 and before January 1, 2007; vested on January 1, 2011 20 View Plan Details
Colorado Public Employees' Retirement Association (PERA): Teachers Hired before July 1, 2005; vested on January 1, 2011 20 View Plan Details
Colorado Public Employees' Retirement Association (PERA): Teachers Hired after June 30, 2005 and before January 1, 2007; vested on January 1, 2011 20 View Plan Details
Connecticut Connecticut State Employees Retirement System (SERS) - Tier II Hazardous Duty: State Police Hired after July 1, 1984 and before July 1, 1997 20 View Plan Details
Connecticut Connecticut State Employees Retirement System (SERS) - Tier IIA Hazardous Duty: State Police Hired on or after July 1, 1997 and before July 1, 2011 20 View Plan Details
Connecticut Connecticut State Employees Retirement System (SERS) - Tier III Hazardous Duty: State Police Hired on or after July 1, 2011 20 View Plan Details
District of Columbia District of Columbia Police Officers' and Firefighters' Retirement Plan: Local police officers and firefighters Hired before Feb. 15, 1980 (Tier 1) 20 View Plan Details
Delaware Delaware New State Police Pension Plan: State police Hired on or after July 1, 1980 20 View Plan Details
Delaware Delaware County and Municipal Police & Firefighters' Pension Plan: Local police and firefighters 20 View Plan Details
Iowa Iowa Public Employees Retirement System (IPERS): Sheriffs and Deputies: Police and Fire 20 View Plan Details
Illinois State Employees' Reirement System of Illinois: State police and firefighters Hired before Jan. 1, 2011 (SRS) (Tier 1) 20 View Plan Details
Illinois Illinois Municipal Retirement Fund: Sheriff's Law Enforcement Personnel Plan: Local sheriffs and deputies Hired before Jan. 1, 2011 (IMRF) (Tier 1) 20 View Plan Details
Indiana Indiana 1977 Police Officers' and Firefighters' Pension and Disabiilty Fund: Local Police and Firefighters 20 View Plan Details
Kansas Kansas Public Employees Retirement System: State Tier 1: General state government employees Hired before July 1, 2009 20 View Plan Details
Kansas Kansas Public Employees Retirement System: School Tier 1: Teachers Hired before July 1, 2009 20 View Plan Details
Kansas Kansas Public Employees Retirement System: Local Tier 1: General local government employees Hired before July 1, 2009 20 View Plan Details
Kansas Kansas Public Employees Retirement System: Kansas Police and Fireman's Retirement System Tier 1: State and local police officers and firefighters Hired before July 1, 1989 20 View Plan Details
Louisiana Teachers' Retirement System of Louisiana: Teachers Hired before July 1, 1999 20 View Plan Details
Louisiana Teachers' Retirement System of Louisiana: Teachers Hired on or after Jan. 1, 2011 20 View Plan Details
Massachusetts Massachusetts Public Employee Retirement System: State Police State Police - Hired on or after July 1, 1996 and before April 1, 2012 20 View Plan Details
Massachusetts Massachusetts Public Employee Retirement System: State Police State Police - Hired on or after April 1, 2012 20 View Plan Details
Maine Maine Public Employees Retirement System: State and Teacher's Retirement Program: State Police Hired before Sept. 16, 1984 20 View Plan Details
Missouri Missouri Local Government Employees Retirement System (LAGERS): Option L7: Local government employees LAGERS (Option L7) 20 View Plan Details
Montana Montana Highway Patrol Officer's Retirement System (HPORS): Highway patrol officers Hired before July 1, 1997 20 View Plan Details
Montana Montana Highway Patrol Officer's Retirement System (HPORS): Highway patrol officers Hired after June 30, 1997 20 View Plan Details
North Carolina Teachers' and State Employees' Retirement System (TSERS): Teachers Hired before August 1, 2011 20 View Plan Details
North Carolina Teachers' and State Employees' Retirement System (TSERS): Teachers Hired after July 31, 2011 20 View Plan Details
North Carolina Teachers' and State Employees' Retirement System (TSERS): General state government employees Hired before August 1, 2011 20 View Plan Details
North Carolina Teachers' and State Employees' Retirement System (TSERS): General state government employees Hired after July 31, 2011 20 View Plan Details
North Carolina Local Governmental Employees' Retirement System (LGERS): General local government employees LGERS General local government employees 20 View Plan Details
North Carolina Firemen's and Rescue Squad Workers' Pension Fund: Police and Fire Firemen's and Rescue Squad Workers' Pension Fund 20 View Plan Details
New Jersey New Jersey Police and Firemen's Retirement System (PFRS): Local police officers and firefighters Hired on or before Jan. 18, 2000 (Tier 1) 20 View Plan Details
New Jersey New Jersey State Police Retirement System: State Police Hired on or before Aug. 29, 1985 (Tier 1, State Police) 20 View Plan Details
New Jersey New Jersey State Police Retirement System: State Police Hired after Aug. 29,1985 and on or before May 21, 2010 (Tier 1, State Police) 20 View Plan Details
New Jersey New Jersey State Police Retirement System: State Police Hired after May 21, 2010 (Tier 2, State Police) 20 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: Local police officers Municipal Police Plan 5: Hired before July 1, 2010 20 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: Local police officers Municipal Police Plan 5, Tier 1: Hired on or after July 1, 2010 and before July 1, 2013 20 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: Local firefighters Municipal Fire Plan 5, Tier 1: Hired before July 1, 2010 20 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: Local firefighters Municipal Fire Plan 5, Tier 1: Hired on or after July 1, 2010 and before July 1, 2013 20 View Plan Details
Nevada Nevada Public Employees' Retirement System: General state government employees Hired on or after July 1, 2001 and before Jan. 1, 2010 20 View Plan Details
Nevada Nevada Public Employees' Retirement System: General local government employees Hired on or after July 1, 2001 and before Jan. 1, 2010 20 View Plan Details
Nevada Nevada Public Employees' Retirement System: State and local police and firefighters Hired on or after July 1, 2001 and before Jan. 1, 2010 20 View Plan Details
New York New York State and Local Police and Fire Retirement System: State police Hired on or after April 1, 2012 (Tier 6) 20 View Plan Details
Oklahoma Law Enforcement Retirement System: State police 20 View Plan Details
Oklahoma Police Pension and Retirement Systems: Local police Police Pension and Retirement Systems 20 View Plan Details
Oklahoma Firefighters Pension and Retirement System: Local firefighters Firefighters Pension and Retirement System 20 View Plan Details
Rhode Island Municipal Employees' Retirement System (MERS): Police and Fire Retired before July 1, 2012 (MERS) 20 View Plan Details
Rhode Island State Police Retirement Benefits Trust (SPRBT): Police and Fire Retired before July 1, 2012 (SPRBT) 20 View Plan Details
Texas Employees Retirement System of Texas: General state government employees Hired before Sept. 1, 2009 20 View Plan Details
Texas Law Enforcement and Custodial Officers Supplemental Retirement Fund: State law enforcement officers Hired on or after Sept. 1, 2009 20 View Plan Details
Texas Teacher Retirement System of Texas: Teachers Tier 1: hired on or before Sept. 1, 1980, or hired on or before Sept. 1, 2005 and at least age 50 at that time or age + YOS = 70 that year 20 View Plan Details
Utah Tier 1 Firefighters - Division A: Police and Fire Hired before July 1, 2011 (Fire - Division A) 20 View Plan Details
Utah Tier 1 Firefighters - Division B: Police and Fire Hired before July 1, 2011 (Fire - Division B) 20 View Plan Details
Utah Tier 1 Public Safety: Contributory - Division A: Police and Fire Hired before July 1, 1989 (Public Safety: Contributory - Division A) 20 View Plan Details
Utah Tier 1 Public Safety: Contributory - Division B: Police and Fire Hired before July 1, 1989 (Public Safety: Contributory - Division B) 20 View Plan Details
West Virginia Plan A: State Police Death, Disability, and Retirement Fund (PSDDRS): Police and Fire Hired before March 12, 1994 20 View Plan Details
West Virginia Municipal Police Officers & Firefighters Retirement System (MPFRS): Police and Fire 20 View Plan Details
West Virginia Deputy Sheriffs' (DSRS): Police and Fire 20 View Plan Details
Hawaii Employees' Retirement System of the State of Hawaii (ERS) - Contributory Plan for Police Officers, Firefighters, and certain Public Safety Officers: Police and Fire Hired before July 1, 2012 21 View Plan Details
Idaho Public Employee Retirement System of Idaho (PERSI): State and local police and firefighters 21 View Plan Details
Louisiana Louisiana Municipal Employees' Retirement System, Plan B: General local government employees Hired before July 1, 2006 (MERSLA, Plan B) 21 View Plan Details
Louisiana Louisiana Municipal Employees' Retirement System, Plan B: General local government employees Hired on or after July 1, 2006 and before Jan. 1, 2013 (MERSLA, Plan B) 21 View Plan Details
Montana Montana Teacher's Retirement System (TRS): Teachers 21 View Plan Details
New Hampshire New Hampshire Retirement System: State and local police Hired on or after Jan. 1, 2002 and before Jan. 1, 2004 (Police) 21 View Plan Details
New Hampshire New Hampshire Retirement System: State and local police Hired on or after Jan. 1, 2004 and before Jan. 1, 2006 (Police) 21 View Plan Details
New Hampshire New Hampshire Retirement System: State and local firefighters Hired on or after Jan. 1, 2002 and before Jan. 1, 2004 (Fire) 21 View Plan Details
New Hampshire New Hampshire Retirement System: State and local firefighters Hired on or after Jan. 1, 2004 and before Jan. 1, 2006 (Fire) 21 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: State police State Police and Adult Correctional Officers Plan 1: Hired before July 1, 2010 21 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: State police State Police and Adult Correctional Officers Plan 1, Tier 1: Hired on or after July 1, 2010 and bfore July 1, 2013 21 View Plan Details
Nevada Nevada Public Employees' Retirement System: Teachers Hired on or after July 1, 2001 and before Jan. 1, 2010 21 View Plan Details
South Dakota South Dakota Retirement System (Class A): General state government employees Retired before July 1, 2008 21 View Plan Details
South Dakota South Dakota Retirement System (Class A): Teachers Retired before July 1, 2008 21 View Plan Details
South Dakota South Dakota Retirement System (Class A): General local government employees Retired before July 1, 2008 21 View Plan Details
Texas Employees Retirement System of Texas: General state government employees Hired on or after Sept. 1, 2009 21 View Plan Details
Texas Teacher Retirement System of Texas: Teachers Tier 2: hired after Sept. 1, 1980 and on or before Sept. 1, 2007, and not in Tier 1 21 View Plan Details
Texas Teacher Retirement System of Texas: Teachers Tier 3: hired after Sept. 1, 2007 21 View Plan Details
Vermont Vermont Municipal Employees' Retirement System (Group A): Local police and firefighters 21 View Plan Details
Wisonsin Wisconsin Retirement System (WRS): General state government employees Hired after June 30, 2011 21 View Plan Details
Wisonsin Wisconsin Retirement System (WRS): Teachers Hired after June 30, 2011 21 View Plan Details
Wisonsin Wisconsin Retirement System (WRS): General local government employees Hired after June 30, 2011 21 View Plan Details
West Virginia Public Employees Retirement System (PERS): General state government employees 21 View Plan Details
Colorado Public Employees' Retirement Association (PERA): General state government employees Hired after December 31, 2006 and before January 1, 2011 22 View Plan Details
Colorado Public Employees' Retirement Association (PERA): General local government employees Hired after December 31, 2006 and before January 1, 2011 22 View Plan Details
Colorado Public Employees' Retirement Association (PERA): Teachers Hired after December 31, 2006 and before January 1, 2011 22 View Plan Details
Georgia Teachers Retirement System of Georgia (TRS): Teachers 22 View Plan Details
Iowa Muncipal Fire & Police Retirement System of Iowa (MFPRSI): Police and Fire 22 View Plan Details
Minnesota Minnesota Teachers Retirement Association: Teachers Hired on or before June 30, 1989 22 View Plan Details
Montana Public Employee's Retirement System (PERS): General state government employees Hired before July 1, 2011 22 View Plan Details
Montana Public Employee's Retirement System (PERS): General local government employees Hired before July 1, 2011 22 View Plan Details
Nebraska Nebraska State Patrol Retirement System: Officers of the State Patrol 22 View Plan Details
New Hampshire New Hampshire Retirement System: State and local police Hired on or after Jan. 1, 2006 and before Jan. 1, 2008 (Police) 22 View Plan Details
New Hampshire New Hampshire Retirement System: State and local firefighters Hired on or after Jan. 1, 2006 and before Jan. 1, 2008 (Fire) 22 View Plan Details
New Jersey New Jersey Police and Firemen's Retirement System (PFRS): Local police officers and firefighters Hired after Jan. 18, 2000 and on or before May 21, 2010 (Tier 1) 22 View Plan Details
New Mexico New Mexico Educational Retirement Board: Teachers Hired before July 1, 2010 22 View Plan Details
Nevada Nevada Public Employees' Retirement System: State and local police and firefighters Hired on or after Jan. 1, 2010 22 View Plan Details
Rhode Island Municipal Employees' Retirement System (MERS): General local government employees Retired before July 1, 2012 22 View Plan Details
South Dakota South Dakota Retirement System (Class A): General state government employees Hired on or after July 1, 2008 22 View Plan Details
South Dakota South Dakota Retirement System (Class A): Teachers Hired on or after July 1, 2008 22 View Plan Details
South Dakota South Dakota Retirement System (Class A): General local government employees Hired on or after July 1, 2008 22 View Plan Details
Vermont Vermont Municipal Employees' Retirement System (Group A): General local government employees 22 View Plan Details
Vermont Vermont Municipal Employees' Retirement System (Group B): Local police and firefighters 22 View Plan Details
Wyoming Wyoming Public Employee Pension Plan: Teachers Hired on or after Sept. 1, 2012 22 View Plan Details
Wyoming Wyoming Public Employee Pension Plan: General state government employees Hired on or after Sept. 1, 2012 22 View Plan Details
Wyoming Wyoming Public Employee Pension Plan: General local government employees Hired on or after Sept. 1, 2012 22 View Plan Details
Alaska Alaska Public Employees' Retirement System: General state government employees Hired on or after July 1, 1986 and before July 1, 1996 23 View Plan Details
Alaska Alaska Public Employees' Retirement System: General local government employees Hired on or after July 1, 1986 and before July 1, 1996 23 View Plan Details
Alabama Employees' Retirement System (ERS) - Tier 1: Local police and fire Hired before January 1, 2013 23 View Plan Details
Arizona Arizona State Retirement System: General state government employees Hired before Jan. 1, 1984 23 View Plan Details
Arizona Arizona State Retirement System: General state government employees Hired on or after Jan. 1, 1984 and before July 1, 2011 23 View Plan Details
Arizona Arizona State Retirement System: General local government employees Hired before Jan. 1, 1984 23 View Plan Details
Arizona Arizona State Retirement System: General local government employees Hired on or after Jan. 1, 1984 and before July 1, 2011 23 View Plan Details
Arizona Arizona State Retirement System: Teachers Hired before Jan. 1, 1984 23 View Plan Details
Arizona Arizona State Retirement System: Teachers Hired on or after Jan. 1, 1984 and before July 1, 2011 23 View Plan Details
California California Public Employees' Retirement System (CalPERS) - State Miscellaneous Members Tier 1: General state government employees Hired on or after January 1, 2013 (CalPERS, Tier 1) 23 View Plan Details
Colorado Public Employees' Retirement Association (PERA): General state government employees Hired after December 31, 2010 23 View Plan Details
Colorado Public Employees' Retirement Association (PERA): General local government employees Hired after December 31, 2010 23 View Plan Details
Colorado Public Employees' Retirement Association (PERA): Teachers Hired after December 31, 2010 23 View Plan Details
Florida Florida Retirement System Pension Plan: Regular Class: General state government employees Hired on or after July 1, 2011 23 View Plan Details
Florida Florida Retirement System Pension Plan: Regular Class: General local government employees Hired on or after July 1, 2011 23 View Plan Details
Iowa Iowa Public Employees Retirement System (IPERS): General state government employees Retired before July 1, 2012 23 View Plan Details
Iowa Iowa Public Employees Retirement System (IPERS): General local government employees Retired before July 1, 2012 23 View Plan Details
Iowa Iowa Public Employees Retirement System (IPERS): Teachers Retired before July 1, 2012 23 View Plan Details
Idaho Public Employee Retirement System of Idaho (PERSI): General state government employees 23 View Plan Details
Idaho Public Employee Retirement System of Idaho (PERSI): General local government employees 23 View Plan Details
Idaho Public Employee Retirement System of Idaho (PERSI): Teachers 23 View Plan Details
Louisiana Louisiana Parochial Employees' Retirement System: Plan A: General local government employees Hired before Jan. 1, 2007 (PERSLA, Plan A) 23 View Plan Details
North Dakota North Dakota Public Employees Retirement System: General state government employees 23 View Plan Details
North Dakota North Dakota Public Employees Retirement System: General local government employees 23 View Plan Details
New Hampshire New Hampshire Retirement System: State and local police Hired on or after Jan. 1, 2008 and before July 1, 2009 (Police) 23 View Plan Details
New Hampshire New Hampshire Retirement System: State and local police Hired on or after July 1, 2009 and before July 1, 2011 (Police) 23 View Plan Details
New Hampshire New Hampshire Retirement System: State and local firefighters Hired on or after Jan. 1, 2008 and before July 1, 2009 (Fire) 23 View Plan Details
New Hampshire New Hampshire Retirement System: State and local firefighters Hired on or after July 1, 2009 and before July 1, 2011 (Fire) 23 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: General state government employees State Plan 3, Tier 1: hired on or after July 1, 2010 and bfore July 1, 2013 23 View Plan Details
Pennsylvania Pennsylvania Public School Employees' Retirement System (PSERS) - Class T-C: Teachers Hired before July 1, 2001 23 View Plan Details
Pennsylvania Pennsylvania Public School Employees' Retirement System (PSERS) - Class T-D: Teachers Hired after June 30, 2001 and before July 1, 2011 23 View Plan Details
Vermont Vermont Municipal Employees' Retirement System (Group B): General local government employees 23 View Plan Details
Vermont Vermont Municipal Employees' Retirement System (Group D): Local police and firefighters 23 View Plan Details
Alaska Alaska Public Employees' Retirement System: General state government employees Hired on or after July 1, 1996 and before July 1, 2006 24 View Plan Details
Alaska Alaska Public Employees' Retirement System: General local government employees Hired on or after July 1, 1996 and before July 1, 2006 24 View Plan Details
California California State Teachers' Retirement System (CalSTRS): Teachers Hired before January 1, 2012 24 View Plan Details
Florida Florida Retirement System Pension Plan: Regular Class: Teachers Hired on or after July 1, 2011 24 View Plan Details
Louisiana Louisiana Municipal Employees' Retirement System, Plan A: General local government employees Hired before July 1, 2006 (MERSLA, Plan A) 24 View Plan Details
New Hampshire New Hampshire Retirement System: State and local police Hired on or after July 1, 2011 (Police) 24 View Plan Details
New Hampshire New Hampshire Retirement System: State and local firefighters Hired on or after July 1, 2011 (Fire) 24 View Plan Details
New Mexico New Mexico Educational Retirement Board: Teachers Hired on or after July 1, 2010 and before July 1 , 2013 24 View Plan Details
Oklahoma Oklahoma Public Employees Retirement System (OPERS): General state government employees Hired after October 31, 2011 24 View Plan Details
Oklahoma Oklahoma Public Employees Retirement System (OPERS): General local government employees Hired after October 31, 2011 24 View Plan Details
Tennessee Tennessee Consolidated Retirement System: Teachers Hired on or after July 1, 1976 24 View Plan Details
Vermont State Teachers' Retirement System of Vermont: Teachers Hired before July 1, 1981 24 View Plan Details
West Virginia Public Employees Retirement System (PERS): General local government employees 24 View Plan Details
Alabama Teachers' Retirement System (TRS) - Tier 1: Teachers Hired before January 1, 2013 25 View Plan Details
Alabama Employees' Retirement System (ERS) - Tier 1: General state government employees Hired before January 1, 2013 25 View Plan Details
Alabama Employees' Retirement System (ERS) - Tier 1: General local government employees Hired before January 1, 2013 25 View Plan Details
Arkansas Arkansas Public Employees Retirement Plan: General state government employees Hired on or after July 1, 2005 25 View Plan Details
Arkansas Arkansas Public Employees Retirement Plan: General local government employees Hired on or after July 1, 2005 25 View Plan Details
Arkansas Arkansas Public Employees Retirement Plan: Certain state and local public safety workers Hired on or after July 1, 2005 25 View Plan Details
Colorado Fire & Police Pension Association of Colorado: Police and Fire 25 View Plan Details
Connecticut Teachers' Retirement Board: Teachers All 25 View Plan Details
District of Columbia District of Columbia Police Officers' and Firefighters' Retirement Plan: Local police officers and firefighters Hired or or after Feb. 15, 1980 and before Nov. 10, 1996 (Tier 2) 25 View Plan Details
District of Columbia District of Columbia Police Officers' and Firefighters' Retirement Plan: Local police officers and firefighters Hired on or after Nov. 10, 1996 (Tier 3) 25 View Plan Details
District of Columbia Civil Service Retirement System (CSRS): General local government employees Hired before Oct. 1, 1987 25 View Plan Details
Delaware Delaware State Employees' Pension Plan: General state government employees Hired on or after Jan. 1, 2012 25 View Plan Details
Delaware Delaware State Employees' Pension Plan: Teachers Hired on or after Jan. 1, 2012 25 View Plan Details
Hawaii Employees' Retirement System of the State of Hawaii (ERS) - Hybrid Plan: General state government employees Hired on or after July 1, 2006 and before July 1, 2012 25 View Plan Details
Hawaii Employees' Retirement System of the State of Hawaii (ERS) - Hybrid Plan: General local government employees Hired on or after July 1, 2006 and before July 1, 2012 25 View Plan Details
Hawaii Employees' Retirement System of the State of Hawaii (ERS) - Hybrid Plan: Teachers Hired on or after July 1, 2006 and before July 1, 2012 25 View Plan Details
Kentucky Kentucky Employees Retirement System: Hazardous Members: State government employees in hazardous positions (except state police) Hired on or after Sept. 1, 2008 25 View Plan Details
Kentucky Kentucky County Employees Retirement System: Non-Hazardous Members: General county government employees Hired before Aug. 1, 2004 25 View Plan Details
Kentucky Kentucky County Employees Retirement System: Hazardous Members: Local police and firefighters Hired on or after Sept. 1, 2008 and before Jan. 1, 2014 25 View Plan Details
Kentucky Kentucky State Police Retirement System: State Police Hired on or after Sept. 1, 2008 and before Jan. 1, 2014 25 View Plan Details
Louisiana Louisiana State Employees' Retirement System: General state government employees Hired before July 1, 2006 25 View Plan Details
Louisiana Louisiana Municipal Employees' Retirement System, Plan A: General local government employees Hired on or after July 1, 2006 and before Jan. 1, 2013 (MERSLA, Plan A) 25 View Plan Details
Maine Maine Public Employees Retirement System: State and Teacher's Retirement Program: Teachers Hired before July 1, 1983 25 View Plan Details
Maine Maine Public Employees Retirement System: State and Teacher's Retirement Program: General state government employees Hired before July 1, 1983 25 View Plan Details
Maine Maine Public Employees Retirement System: Participating Local District Retirement Program: General local government employees Plan AC (chosen by local government), hired on or after Oct. 1, 1994 25 View Plan Details
Maine Maine Public Employees Retirement System: Participating Local District Retirement Program: General local government employees Plan AN (chosen by local government), hired on or after Oct. 1, 1994 25 View Plan Details
Maine Maine Public Employees Retirement System: Participating Local District Retirement Program: General local government employees Plan BC (chosen by local government), hired on or after Oct. 1, 1994 25 View Plan Details
Maine Maine Public Employees Retirement System: Participating Local District Retirement Program: Local police officers and firefighters Plan #2C (chosen by local government) 25 View Plan Details
Maine Maine Public Employees Retirement System: Participating Local District Retirement Program: Local police officers and firefighters Plan #3 (chosen by local government) 25 View Plan Details
Maine Maine Public Employees Retirement System: State and Teacher's Retirement Program: State Police Hired on or after Sept. 16, 1984 25 View Plan Details
Michigan Michigan State Police Retirement System: Police and Fire Hired before June 10, 2012 25 View Plan Details
Mississippi Mississippi Public Employees' Retirement System: General state government employees Hired before July 1, 2007 25 View Plan Details
Mississippi Mississippi Public Employees' Retirement System: General state government employees Hired on or after July 1, 2007 but before July 1, 2011 25 View Plan Details
Mississippi Mississippi Public Employees' Retirement System: General local government employees Hired before July 1, 2007 25 View Plan Details
Mississippi Mississippi Public Employees' Retirement System: General local government employees Hired on or after July 1, 2007 but before July 1, 2011 25 View Plan Details
Mississippi Mississippi Public Employees' Retirement System: Teachers Hired before July 1, 2007 25 View Plan Details
Mississippi Mississippi Public Employees' Retirement System: Teachers Hired on or after July 1, 2007 but before July 1, 2011 25 View Plan Details
Mississippi Mississippi Public Employees' Retirement System: Local police officer and firefighters Hired before July 1, 2007 25 View Plan Details
Mississippi Mississippi Public Employees' Retirement System: Local police officer and firefighters Hired on or after July 1, 2007 but before July 1, 2011 25 View Plan Details
New Jersey New Jersey Teachers' Pension and Annuity Fund: Teachers Hired before July 1, 2007 (Tier 1) 25 View Plan Details
New Jersey New Jersey Teachers' Pension and Annuity Fund: Teachers Hired on or after July 1, 2007 and before Nov. 2, 2008 (Tier 2) 25 View Plan Details
New Jersey New Jersey Teachers' Pension and Annuity Fund: Teachers Hired on or after Nov. 2, 2008 and before May 22, 2010 (Tier 3) 25 View Plan Details
New Jersey New Jersey Teachers' Pension and Annuity Fund: Teachers Hired on or after May 22, 2010 and before June 28, 2011 (Tier 4) 25 View Plan Details
New Jersey New Jersey Public Employees' Retirement System (PERS): General state government employees Hired before July 1, 2007 (Tier 1) 25 View Plan Details
New Jersey New Jersey Public Employees' Retirement System (PERS): General state government employees Hired on or after July 1, 2007 and before Nov. 2, 2008 (Tier 2) 25 View Plan Details
New Jersey New Jersey Public Employees' Retirement System (PERS): General state government employees Hired on or after Nov. 2, 2008 and before May 22, 2010 (Tier 3) 25 View Plan Details
New Jersey New Jersey Public Employees' Retirement System (PERS): General state government employees Hired on or after May 22, 2010 and before June 28, 2011 (Tier 4) 25 View Plan Details
New Jersey New Jersey Public Employees' Retirement System (PERS): General local government employees Hired before July 1, 2007 (Tier 1) 25 View Plan Details
New Jersey New Jersey Public Employees' Retirement System (PERS): General local government employees Hired on or after July 1, 2007 and before Nov. 2, 2008 (Tier 2) 25 View Plan Details
New Jersey New Jersey Public Employees' Retirement System (PERS): General local government employees Hired on or after Nov. 2, 2008 and before May 22, 2010 (Tier 3) 25 View Plan Details
New Jersey New Jersey Public Employees' Retirement System (PERS): General local government employees Hired on or after May 22, 2010 and before June 28, 2011 (Tier 4) 25 View Plan Details
New Jersey New Jersey Police and Firemen's Retirement System (PFRS): Local police officers and firefighters Hired after May 21, 2010 and on or before June 28, 2011 (Tier 2) 25 View Plan Details
New Jersey New Jersey Police and Firemen's Retirement System (PFRS): Local police officers and firefighters Hired after June 28, 2011 (Tier 3) 25 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: General state government employees State Plan 3: Hired before July 1, 2010 25 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: General local government employees Municipal Plan 1: Hired before July 1, 2010 25 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: General local government employees Municipal Plan 1, Tier 1: hired on or after July 1, 2010 and bfore July 1, 2013 25 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: General local government employees Municipal Plan 2: Hired before July 1, 2010 25 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: General local government employees Municipal Plan 2, Tier 1: Hired on or after July 1, 2010 and bfore July 1, 2013 25 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: State police State Police and Adult Correctional Officers Plan 1, Tier 2: Hired on or after July 1, 2013 25 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: Local police officers Municipal Police Plan 5, Tier 2: Hired on or after July 1, 2013 25 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: Local firefighters Municipal Fire Plan 5, Tier 2: Hired on or after July 1, 2013 25 View Plan Details
Ohio Ohio Public Employees Retirement System: State and Local Law Enforcement OPERS - Retired by Jan. 7, 2013 25 View Plan Details
Ohio Ohio Public Employees Retirement System: State and Local Law Enforcement OPERS - Eligible to retire by Jan. 7, 2018 25 View Plan Details
Ohio Ohio Public Employees Retirement System: State and Local Law Enforcement OPERS - Eligible to retire between Jan. 7, 2018 and Jan. 7, 2023, or completed 20 years of service by Jan. 7, 2013 25 View Plan Details
Ohio Ohio Police & Fire Pension Fund: Local police and fire Ohio Police and Fire Pension Fund - Hired on or before July 1, 2013 25 View Plan Details
Ohio Ohio Police & Fire Pension Fund: Local police and fire Ohio Police and Fire Pension Fund - Hired after July 1, 2013 25 View Plan Details
Pennsylvania Pennsylvania Public School Employees' Retirement System (PSERS) - Class T-E: Teachers Hired on or after July 1, 2011, Class T-E 25 View Plan Details
Pennsylvania Pennsylvania Public School Employees' Retirement System (PSERS) - Class T-F (Optional): Teachers Hired on or after July 1, 2011, Class T-F 25 View Plan Details
Pennsylvania Pennsylvania Municipal Retirement System (PMRS): General local government employees 25 View Plan Details
Rhode Island State Police Retirement Benefits Trust (SPRBT): Police and Fire Hired after June 30, 2012 (SPRBT) 25 View Plan Details
Vermont State Teachers' Retirement System of Vermont: Teachers Hired on or after July 1, 1981 and before July 1, 1985 (or at least age 57 on July 1, 2010) 25 View Plan Details
West Virginia Plan B: West Viriginia State Police Retirement System (SPRS): Police and Fire Hired after March 12, 1994 25 View Plan Details
North Dakota North Dakota Teachers' Fund for Retirement: Teachers Hired before July 1, 2008 and age 55 by July 1, 2013 26 View Plan Details
Nevada Nevada Public Employees' Retirement System: Teachers Hired on or after Jan. 1, 2010 26 View Plan Details
Nevada Nevada Public Employees' Retirement System: General state government employees Hired on or after Jan. 1, 2010 26 View Plan Details
Nevada Nevada Public Employees' Retirement System: General local government employees Hired on or after Jan. 1, 2010 26 View Plan Details
Ohio State Teachers Retirement System of Ohio: Teachers Retiring before Aug. 1, 2015 26 View Plan Details
Kentucky Kentucky Teachers' Retirement System: Teachers Hired on or after July 1, 1983 and before July 1, 2002 27 View Plan Details
Kentucky Kentucky Teachers' Retirement System: Teachers Hired on or after July 1, 2002 and before July 1, 2008 27 View Plan Details
Kentucky Kentucky Teachers' Retirement System: Teachers Hired on or after July 1, 2008 27 View Plan Details
Kentucky Kentucky Employees Retirement System: Non-Hazardous Members: General state government employees Hired before Sept. 1, 2008 27 View Plan Details
Kentucky Kentucky Employees Retirement System: Non-Hazardous Members: General state government employees Hired on or after Sept. 1, 2008 and before Jan. 1, 2014 27 View Plan Details
Kentucky Kentucky County Employees Retirement System: Non-Hazardous Members: General county government employees Hired on or after Aug. 1, 2004 and before Sept. 1, 2008 27 View Plan Details
Kentucky Kentucky County Employees Retirement System: Non-Hazardous Members: General county government employees Hired on or after Sept. 1, 2008 and before Jan. 1, 2014 27 View Plan Details
Louisiana Louisiana State Employees' Retirement System: General state government employees Hired on or after July 1, 2006 27 View Plan Details
Louisiana Louisiana Parochial Employees' Retirement System: Plan A: General local government employees Hired on or after Jan. 1, 2007 (PERSLA, Plan A) 27 View Plan Details
Ohio Ohio Public Employees Retirement System: State and Local Law Enforcement OPERS - Eligible to retire after Jan. 7, 2023 or hired after Dec. 31, 2012 27 View Plan Details
Virginia Virginia Retirement System (VRS) - Plan 2: General state government employees Hired after June 30, 2010 27 View Plan Details
Virginia Virginia Retirement System (VRS) - Plan 2: General local government employees Hired after June 30, 2010 27 View Plan Details
Virginia Virginia Retirement System (VRS) - Plan 2: Teachers Hired after June 30, 2010 27 View Plan Details
Arizona Arizona State Retirement System: General state government employees Hired on or after July 1, 2011 28 View Plan Details
Arizona Arizona State Retirement System: General local government employees Hired on or after July 1, 2011 28 View Plan Details
Arizona Arizona State Retirement System: Teachers Hired on or after July 1, 2011 28 View Plan Details
Arizona Arizona Public Safety Personnel Retirement System: State and local police officers and firefighters Hired on or after Jan. 1, 2012 28 View Plan Details
Iowa Iowa Public Employees Retirement System (IPERS): General state government employees Hired after June 30, 2012 28 View Plan Details
Iowa Iowa Public Employees Retirement System (IPERS): General local government employees Hired after June 30, 2012 28 View Plan Details
Iowa Iowa Public Employees Retirement System (IPERS): Teachers Hired after June 30, 2012 28 View Plan Details
Illinois Teachers' Retirement System of the State of Illinois: Teachers Hired before Jan. 1, 2011 (Tier 1) 28 View Plan Details
Louisiana Teachers' Retirement System of Louisiana: Teachers Hired on or after July 1, 1999 and before Jan. 1, 2011 28 View Plan Details
Louisiana Louisiana Municipal Employees' Retirement System, Plan A: General local government employees Hired on or after Jan. 1, 2013 (MERSLA, Plan A) 28 View Plan Details
Louisiana Louisiana Municipal Employees' Retirement System, Plan B: General local government employees Hired on or after Jan. 1, 2013 (MERSLA, Plan B) 28 View Plan Details
Missouri Missouri Dept of Transportation and Highway Patrol Employees' Retirement System (Year 2000 Plan): State Police State Police - Hired on or after July 1, 2000 and before Jan. 1, 2011 28 View Plan Details
Missouri Public School Retirement System of Missouri: Teachers Retire on or before July 1, 2013 28 View Plan Details
Missouri Public School Retirement System of Missouri: Teachers Retire after July 1, 2013 28 View Plan Details
New Hampshire New Hampshire Retirement System: General state government employees Hired before Jan. 1, 2002 28 View Plan Details
New Hampshire New Hampshire Retirement System: Teachers Hired before Jan. 1, 2002 28 View Plan Details
New Hampshire New Hampshire Retirement System: General local government employees Hired before Jan. 1, 2002 28 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: General state government employees State Plan 3, Tier 2: hired on or after July 1, 2013 28 View Plan Details
Oklahoma Oklahoma Teachers Retirement System (TRS) - Low Base: Teachers Hired after June 30, 1979 and before July 1, 1992 28 View Plan Details
Oklahoma Oklahoma Teachers Retirement System (TRS) - High Base: Teachers Hired after June 30, 1979 and before July 1, 1992 28 View Plan Details
Pennsylvania Commonwealth of Pennsylvania State Employees' Retirement System (SERS) - Class A-3: General state government employees Hired on or after January 1, 2011 (Class A-3) 28 View Plan Details
Rhode Island Employees' Retirement System of Rhode Island (ERSRI) - Schedule A: General state government employees Vested on July 1, 2005 and eligible to retire on September 30, 2009 28 View Plan Details
South Carolina South Carolina Retirement System: General state government employees Hired before July 1, 2012 (Class 2) 28 View Plan Details
South Carolina South Carolina Retirement System: General local government employees Hired before July 1, 2012 (Class 2) 28 View Plan Details
South Carolina South Carolina Retirement System: Teachers Hired before July 1, 2012 (Class 2) 28 View Plan Details
Vermont Vermont State Employees' Retirement System: General state government employees Hired on or after July 1, 2008 (Group F) 28 View Plan Details
Vermont State Teachers' Retirement System of Vermont: Teachers Hired on or after July 1, 1985 (and younger than age 57 on July 1, 2010) 28 View Plan Details
Washington Public Employees' Retirement System (PERS) - Plan 2: General state government employees Hired after September 30, 1977 and before March 1, 2002 28 View Plan Details
Washington Public Employees' Retirement System (PERS) - Plan 2: General local government employees Hired after September 30, 1977 and before September 1, 2002 28 View Plan Details
Washington Washington Teachers' Retirement System (TRS) - Plan 2: Teachers Hired after September 30, 1977 and before July 1, 1996 28 View Plan Details
Alabama Teachers' Retirement System (TRS) - Tier 2: Teachers Hired on or after January 1, 2013 29 View Plan Details
Alabama Employees' Retirement System (ERS) - Tier 2: General state government employees Hired on or after January 1, 2013 29 View Plan Details
Alabama Employees' Retirement System (ERS) - Tier 2: General local government employees Hired on or after January 1, 2013 29 View Plan Details
District of Columbia District of Columbia Teachers' Retirement Plan: Teachers Hired before Nov. 1, 1996 29 View Plan Details
Illinois Illinois Municipal Retirement Fund: General local government employees Hired on or after Jan. 1, 2011 (Tier 2) 29 View Plan Details
Maine Maine Public Employees Retirement System: State and Teacher's Retirement Program: Teachers Hired on or after July 1, 1983 and before Oct. 1, 1989 29 View Plan Details
Maine Maine Public Employees Retirement System: State and Teacher's Retirement Program: Teachers Hired on or after Oct. 1, 1994 and before July 1, 2006 29 View Plan Details
Maine Maine Public Employees Retirement System: State and Teacher's Retirement Program: General state government employees Hired on or after July 1, 1983 and before Oct. 1, 1989 29 View Plan Details
Maine Maine Public Employees Retirement System: State and Teacher's Retirement Program: General state government employees Hired on or after Oct. 1, 1994 and before July 1, 2006 29 View Plan Details
Minnesota Minnesota General Employees Retirement Fund (Coordinated Plan): General local government employees Hired before July 1, 1989 29 View Plan Details
North Dakota North Dakota Teachers' Fund for Retirement: Teachers Hired before July 1, 2008 and younger than 55 on July 1, 2013 29 View Plan Details
Nebraska Nebraska School Employees' Retirement System: Teachers 29 View Plan Details
New Hampshire New Hampshire Retirement System: General state government employees Hired on or after Jan. 1, 2002 and before July 1, 2009 29 View Plan Details
New Hampshire New Hampshire Retirement System: General state government employees Hired on or after July 1, 2009 and before July 1, 2011 29 View Plan Details
New Hampshire New Hampshire Retirement System: Teachers Hired on or after Jan. 1, 2002 and before July 1, 2009 29 View Plan Details
New Hampshire New Hampshire Retirement System: Teachers Hired on or after July 1, 2009 and before July 1, 2011 29 View Plan Details
New Hampshire New Hampshire Retirement System: General local government employees Hired on or after Jan. 1, 2002 and before July 1, 2009 29 View Plan Details
New Hampshire New Hampshire Retirement System: General local government employees Hired on or after July 1, 2009 and before July 1, 2011 29 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: General local government employees Municipal Plan 2, Tier 2: Hired on or after July 1, 2013 29 View Plan Details
District of Columbia District of Columbia Teachers' Retirement Plan: Teachers Hired on or after Nov. 1, 1996 30 View Plan Details
Kansas Kansas Public Employees Retirement System: State Tier 2: General state government employees Hired on or after July 1, 2009 and before Jan. 1, 2015 30 View Plan Details
Kansas Kansas Public Employees Retirement System: School Tier 2: Teachers Hired on or after July 1, 2009 30 View Plan Details
Kansas Kansas Public Employees Retirement System: Local Tier 2: General local government employees Hired on or after July 1, 2009 30 View Plan Details
Maryland Maryland State Retirement and Pension System: Employees' Retirement System: General state government employees Hired between Jan. 1, 1980 and July 30, 2011 30 View Plan Details
Maryland Maryland State Retirement and Pension System: Employees' Retirement System: General local government employees Hired between Jan. 1, 1980 and July 30, 2011 30 View Plan Details
Maryland Maryland State Retirement and Pension System: Teachers' Pension System: Teachers Hired between Jan. 1, 1980 and July 30, 2011 30 View Plan Details
Missouri Missouri Dept of Transportation and Highway Patrol Employees' Retirement System (Year 2000 Plan, 2011 Tier): State Police State Police - Hired on or after Jan. 1, 2011 30 View Plan Details
Mississippi Mississippi Public Employees' Retirement System: General state government employees Hired on or after July 1, 2011 30 View Plan Details
Mississippi Mississippi Public Employees' Retirement System: General local government employees Hired on or after July 1, 2011 30 View Plan Details
Mississippi Mississippi Public Employees' Retirement System: Teachers Hired on or after July 1, 2011 30 View Plan Details
Mississippi Mississippi Public Employees' Retirement System: Local police officer and firefighters Hired on or after July 1, 2011 30 View Plan Details
North Dakota North Dakota Teachers' Fund for Retirement: Teachers Hired on or after July 1, 2008 and retire after July 1, 2013 30 View Plan Details
New Jersey New Jersey Teachers' Pension and Annuity Fund: Teachers Hired on or after June 28, 2011 (Tier 5) 30 View Plan Details
New Jersey New Jersey Public Employees' Retirement System (PERS): General state government employees Hired on or after June 28, 2011 (Tier 5) 30 View Plan Details
New Jersey New Jersey Public Employees' Retirement System (PERS): General local government employees Hired on or after June 28, 2011 (Tier 5) 30 View Plan Details
New Mexico New Mexico Educational Retirement Board: Teachers Hired on or after July 1 , 2013 30 View Plan Details
New Mexico New Mexico Public Employees Retirement Fund: General local government employees Municipal Plan 1, Tier 2: hired on or after July 1, 2013 30 View Plan Details
Ohio Ohio Public Employees Retirement System: General state government employees Retired by Jan. 7, 2013 30 View Plan Details
Ohio Ohio Public Employees Retirement System: General state government employees Eligible to retire by Jan. 7, 2018 30 View Plan Details
Ohio Ohio Public Employees Retirement System: General local government employees Retired by Jan. 7, 2013 30 View Plan Details
Ohio Ohio Public Employees Retirement System: General local government employees Eligible to retire by Jan. 7, 2018 30 View Plan Details
Oklahoma Oklahoma Teachers Retirement System (TRS) - Low Base: Teachers Hired after June 30, 1995 and before November 1, 2011 30 View Plan Details
Oklahoma Oklahoma Teachers Retirement System (TRS) - Low Base: Teachers Hired on ot after November 1, 2011 30 View Plan Details
Utah Tier 1 Contributory: General state government employees Hired before July 1, 1975 30 View Plan Details
Utah Tier 1 Contributory: General state government employees Hired after June 30, 1975 and before July 1, 1986 30 View Plan Details
Utah Tier 1 Contributory: Teachers Hired before July 1, 1975 30 View Plan Details
Utah Tier 1 Contributory: Teachers Hired after June 30, 1975 and before July 1, 1986 30 View Plan Details
Utah Tier 1 Contributory: General local government employees Hired before July 1, 1975 30 View Plan Details
Utah Tier 1 Contributory: General local government employees Hired after June 30, 1975 and before July 1, 1986 30 View Plan Details
Vermont Vermont State Employees' Retirement System: General state government employees Hired before June 30, 1981 (Group A) 30 View Plan Details
Vermont Vermont State Employees' Retirement System: General state government employees Hired on or after January 1, 1991 and before July 1, 2008 (Group F) 30 View Plan Details
Vermont Vermont State Employees' Retirement System: General state government employees Hired after June 30, 1981 and before January 1, 1991 (Group F) 30 View Plan Details
West Virginia Teachers' Retirement System (TRS): Teachers 30 View Plan Details
Alabama Employees' Retirement System (ERS) - Tier 2: Local police and fire Hired on or after January 1, 2013 31 View Plan Details
Ohio Ohio Public Employees Retirement System: General state government employees Eligible to retire between Jan. 7, 2018 and Jan. 7, 2023, or completed 20 years of service by Jan. 7, 2013 31 View Plan Details
Ohio Ohio Public Employees Retirement System: General local government employees Eligible to retire between Jan. 7, 2018 and Jan. 7, 2023, or completed 20 years of service by Jan. 7, 2013 31 View Plan Details
Ohio State Teachers Retirement System of Ohio: Teachers Retiring on or after Aug. 1, 2015 and before Aug. 1, 2017 31 View Plan Details
Pennsylvania Commonwealth of Pennsylvania State Employees' Retirement System (SERS) - Class A-4 (Optional): General state government employees Hired on or after January 1, 2011 (Class A-4) 31 View Plan Details
South Carolina South Carolina Retirement System: General state government employees Hired on or after July 1, 2012 (Class 3) 31 View Plan Details
South Carolina South Carolina Retirement System: General local government employees Hired on or after July 1, 2012 (Class 3) 31 View Plan Details
South Carolina South Carolina Retirement System: Teachers Hired on or after July 1, 2012 (Class 3) 31 View Plan Details
California California State Teachers' Retirement System (CalSTRS): Teachers Hired on or after January 1, 2013 32 View Plan Details
Missouri Missouri State Employees Retirement System: MSEP 2011: General state government employees Hired on or after Jan. 1, 2011 32 View Plan Details
New Hampshire New Hampshire Retirement System: General state government employees Hired on or after July 1, 2011 32 View Plan Details
New Hampshire New Hampshire Retirement System: Teachers Hired on or after July 1, 2011 32 View Plan Details
New Hampshire New Hampshire Retirement System: General local government employees Hired on or after July 1, 2011 32 View Plan Details
Ohio Ohio Public Employees Retirement System: General state government employees Eligible to retire after Jan. 7, 2023 or hired after Dec. 31, 2012 32 View Plan Details
Ohio Ohio Public Employees Retirement System: General local government employees Eligible to retire after Jan. 7, 2023 or hired after Dec. 31, 2012 32 View Plan Details
Illinois State Employees' Reirement System of Illinois: General state government employees Hired on or after Jan. 1, 2011 (Tier 2) 33 View Plan Details
Maryland Maryland State Retirement and Pension System: Employees' Retirement System: General state government employees Hired on or after July 1, 2011 33 View Plan Details
Maryland Maryland State Retirement and Pension System: Employees' Retirement System: General local government employees Hired on or after July 1, 2011 33 View Plan Details
Maryland Maryland State Retirement and Pension System: Teachers' Pension System: Teachers Hired on or after July 1, 2011 33 View Plan Details
Ohio State Teachers Retirement System of Ohio: Teachers Retiring on or after Aug. 1, 2019 and before Aug. 1, 2021 33 View Plan Details
Maine Maine Public Employees Retirement System: State and Teacher's Retirement Program: Teachers Hired on or after July 1, 2006 34 View Plan Details
Maine Maine Public Employees Retirement System: State and Teacher's Retirement Program: General state government employees Hired on or after July 1, 2006 34 View Plan Details
Minnesota Minnesota Teachers Retirement Association: Teachers Hired after June 30, 1989 34 View Plan Details
Hawaii Employees' Retirement System of the State of Hawaii (ERS) - Hybrid Plan: General state government employees Hired on or after July 1, 2012 35 View Plan Details
Hawaii Employees' Retirement System of the State of Hawaii (ERS) - Hybrid Plan: General local government employees Hired on or after July 1, 2012 35 View Plan Details
Hawaii Employees' Retirement System of the State of Hawaii (ERS) - Hybrid Plan: Teachers Hired on or after July 1, 2012 35 View Plan Details
Massachusetts Massachusetts Teachers' Retirement System: Teachers Hired on or after July 1, 2001 and before April 1, 2012 35 View Plan Details
Minnesota Minnesota General Employees Retirement Fund (Coordinated Plan): General local government employees Hired on or after July 1, 1989 and before July 1, 2010 35 View Plan Details
Minnesota Minnesota General Employees Retirement Fund (Coordinated Plan): General local government employees Hired on or after July 1, 2010 35 View Plan Details
Ohio State Teachers Retirement System of Ohio: Teachers Retiring on or after Aug. 1, 2026 35 View Plan Details
Montana Public Employee's Retirement System (PERS): General state government employees Hired on or after July 1, 2011 36 View Plan Details
Montana Public Employee's Retirement System (PERS): General local government employees Hired on or after July 1, 2011 36 View Plan Details
Rhode Island Employees' Retirement System of Rhode Island (ERSRI) - Schedule B2: General state government employees Hired after September 30, 2009 and before July 1, 2012 36 View Plan Details
Rhode Island Employees' Retirement System of Rhode Island (ERSRI) - Schedule B2: Teachers Hired after September 30, 2009 and before July 1, 2012 37 View Plan Details

Source: Urban Institute, Program on Retirement Policy For additional details on individual pension systems, see the Urban Institute’s new State and Local Employee Pension Plan database.