Our mission is to make retirement easy for Pennsylvania educators. If you are a teacher, administrator, school staff member, Intermediate Unit or agency employee or any other PSERS member who is thinking about retirement, you're in the right place!
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The last article of our short series, "PSERS Pension Options Explained in 5 Minutes or Less" dives into Options 2 and 3. Learn why Option 2 or 3 might be right for you if you have a spouse or other beneficiary who should inherit your pension.
PSERS Pension Options Explained in 5 Minutes or Less- Pension Options 2 & 3 - Teachers Retire PSERS pension Options 2 and 3 explained in five minutes or less.
Part 2 of our short series, "PSERS Pension Options Explained in 5 Minutes or Less" dives into Option 1. Learn why Option 1 might be right for you and why it could leave your spouse with no money to inherit.
PSERS Pension Options Explained in 5 Minutes or Less- Pension Option 1 - Teachers Retire Option 1 gives you the second highest monthly payment of all the PSERS pension options. The payment is reduced in order to provide a much larger death benefit than the Maximum Single Life Annuity. People who want their spouse or other beneficiary to have a greater potential death benefit might find....
Choosing a PSERS pension option is one of the most important retirement decisions for educators. With 5 options to choose from, it can be a little difficult to know which is best for you and your family.
Learn everything you need to know about each PSERS pension option in 5 minutes or less. Let's get started with the Maximum Single Life Annuity- the option that gives you the most income each month.
PSERS Pension Options Explained in 5 Minutes or Less- The Maximum Single Life Annuity - Teachers Retire The Maximum Single Life annuity (MSLA) provides you with the highest monthly payment of all the PSERS pension options. As you may guess, there is a tradeoff for that bigger monthly check. As with each pension option, the tradeoff for the amount of income you receive is what happens with your pension...
Income taxes are often one of the largest expenses for retired PA educators. Your PSERS payments are taxable. Your Social Security is taxable. Your 403(b), 401(k) and pre-tax IRAs are all taxable. That can mean sharing much of your retirement income with the IRS.
There is some good news- you might be able to do something about it and pay less taxes in retirement. Learn one strategy that might work for you!
How PSERS Retirees Can Pay Less Tax in Retirement - Teachers Retire Many PSERS retirees find that income taxes are one of up their largest expenses in retirement. The reason for this is simple- most of the income that a retired educator has is taxable. This includes the PSERS pension, Social Security, the 403(b) and IRAs. Due to this, it is common for a educator to....
Most PA educators have heard that they can take a lump sum withdraw from PSERS at retirement. However, there are a lot of questions and misconceptions about how it works and how taking the withdraw impacts your pension.
Let's answer your top 5 questions about the PSERS lump sum withdraw.
The PSERS Lump Sum Withdraw: Your Top 5 Questions Answered - Teachers Retire There is a lot of confusion about the PSERS lump sum withdrawal. We often hear questions like: What is it and how does it work? What can I do with it? Should I take it out or keep it in? What does it mean for my pension benefits? These questions are especially important for PSERS […]
Health insurance costs between retirement and Medicare can be a major financial challenge for retiring PSERS members. Learn about the 5 health insurance options available to most retiring PA educators so you can decide which is the best fit for you.
What Are My Health Insurance Options After I Retire from PSERS? - Teachers Retire Health insurance coverage is often the area of most concern for retiring educators. This is especially true for those who retire before qualifying for Medicare at age 65. Once retired, the health coverage provided by your employer ends and an alternative is needed until Medicare age. The challenge f...
Are you a PSERS member thinking about retiring a few years earlier than planned? You are definitely not alone. Jump start your planning by learning how working a few years less can impact your PSERS pension.
I Want to Retire from PSERS Earlier Than Planned. What Do I Need to Know? - Teachers Retire The 2020-2021 school year is likely the most challenging for Pennsylvania educators in recent memory. It is no surprise that the difficulties of this school year have many teachers, administrators and school staff thinking about retirement. Those who were planning on retiring in the next few years m...
Are you retiring in June and attending PSERS Exit Counseling soon? Make the best of your session by doing these 3 things first.
Don’t Go To Your PSERS Exit Counseling Without Doing These 3 Things First - Teachers Retire Retirement can be complicated for Pennsylvania educators. This is especially true when it comes to making decisions about your PSERS pension benefits. An educator retiring during or immediately after the current school year has to choose from five pension options, decide on how to handle their contr...
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