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Preparing to Retire
Retiring Under PERS 2 Rules


Your age and length of service determine when you can retire from active UW service. You are also eligible to retire from the UW and begin a PERS income if you meet the following criteria:

Type of Retirement Retirement Age & Benefit
Normal retirement Age 65 if you have at least 5 service-credit years: Full benefit.
Early retirement

Age 62 with at least 30 service-credit years: Unreduced benefit.

Age 55 or older with at least 20 service-credit years: Reduced benefit. See below.*

*If you are age 55 through 61 and retire on or after July 1, 2008 with 30 years or more of service credit, you can choose between two sets of Early Retirement Factors (ERF) to use at retirement. The factors you choose will impact both the amount of your retirement income, and your ability to return to work for any PERS employer after retirement:


You can review all PERS 2 early retirement options and do a self-estimate of benefits. Download the Benefit Estimate Worksheet, which includes EFR’s that apply to your early retirement options.


Purchase Service Credit

If you are eligible, you may purchase additional service credit to increase your monthly retirement benefit. Consider the following:

Review the DRS website for more information about this option:

Steps to Retire

Use the Department of Retirement Systems (DRS) Planning Checklist to create a personal planning calendar that includes DRS's recommended steps, preferably at least two years from retirement.

Use the UW Retirement Check List to add important UW recommended steps, preferably at least one year from retirement. Contacts and resources are listed on page 2 of the Check List. (Disregard steps tagged "for UWRP Participants" unless you are a current participant in the UWRP.)

Please keep both check lists for your reference.


Do you know how much your retirement benefit will be? Do you know what other income will you have available to you in retirement? See the DRS Lifetime Retirement Planning website for answers to these and other questions. Use the benefits estimator tool and/or download checklists and publications here too.

Refer to the Social Security Office Retirement Estimator Benefit Calculator for an estimate of your social security retirement benefit.

Learn about additional retiree insurance options available to you.

Are you considering post-retirement UW employment? If so, note that this requires a minimum of one full calendar month break in service after retirement—no exceptions—as well as other post-retirement employment restrictions. Failure to understand and track post-retirement employment limits can result in the retiree’s loss of pension. Learn more about returning to work as a DRS retiree.

Retirement Compensation Calculation for July 2009–June 2011:
Laws of 2009; Chapter 30

In calculating average final compensation under this law for a member of PERS plan 1, 2, or 3, the Department of Retirement Systems (DRS) shall include any compensation forgone by the member during the 2009-2011 fiscal biennium as a result of reduced work hours, voluntary leave without pay, or temporary furloughs if the reduced compensation is an integral part of the employer's expenditure reduction efforts, as certified by the employer. At retirement, certification for UW retirees will be provided by the Benefits Office directly to DRS. Neither retirees nor their departments need to provide special information to facilitate this certification. Please contact DRS directly for more information.