ERSGA administers several retirement systems for the State of Georgia. If you’re not sure which retirement system applies to you, check with your employer or log in to your online account using the Log In button at the top of the page and choose Account Summary.
ERS members hired on and after January 1, 2009 will be automatically enrolled in the new GSEPS Plan. Employees hired prior to January 1, 2009 maintain their membership in either the ERS New or Old plan.
What is GSEPS?
GSEPS is a combination Defined Benefit (pension) and 401(k) plan.
GSEPS is a combination of a defined benefit, or pension plan, with an employer-matching defined contribution (401k) plan. Contributions are as follows:
For a more detailed explanation of your retirement benefits and the information in the categories below, please see the ERS Handbook in the link to the right.
ERS New Plan members are employees who were hired between 7/1/1982 and 12/31/2008.
Members are required to contribute 1.50% of their earnable compensation to the plan.
ERS Retirees can Convert Peach State Reserves funds to Guaranteed Monthly Income
Supplemental Guaranteed Lifetime Income (SGLI)
ERS retirees can now use funds in Peach State Reserves to purchase a supplemental annuity from ERS. The SGLI is a program that can be used to provide additional financial security during retirement through lifetime monthly benefit payments.