ERS: How and When to Retire
When can I retire?


Normal Retirement:

  • With 10 years of Creditable Service you are vested. 
  • Once you reach 30 years of service or are vested at age 60, you are eligible for an immediate benefit without reduction.
  • If you are an Old Plan Member, you are eligible for extended benefits with 34 years of service.

Early Retirement

  • If you are under age 60 and have reached 25 years of service, you are eligible for an immediate benefit with reduction.

Disability Retirement:

Disability Retirement Eligibility:

  • GSEPS Members after 15 years of service
  • New Plan Members after 13 years and 4 months of service
  • Have not reached age 60 

If your Membership Date is before July 1, 2007, your potential benefits are increased with additional service. Significant increases occur upon reaching:

  • 18 years and 1 month of service,
  • 22 years and 10 months of service, and
  • 27 years and 7 months of service

Law Enforcement: 

Please contact our office for details.

How Do I Retire?

Members who meet the following conditions should apply for retirement online:

  • Are retiring with a service retirement
  • Have already chosen a retirement date
  • Have a recent estimate

You can apply by logging in to your secure online account using the Log In button at the top of any page. Once logged into the secure desktop, click the apply for retirement option. The online application contains retirement information and all necessary ERS forms. 

ERSGA cannot accept the retirement application more than 90 days prior to the retirement date. The application must be received at least 30 days before the retirement date to process on a timely basis. The application is considered filed only when ERSGA has received all necessary documents.

Retirement always begins on the first of a month. The first retirement payment is direct deposited on the last working day of your initial payroll month. 

For information about continuing your State Health Benefit Plan (SHBP) in retirement, visit the SHBP website.

For information about continuing your Dental Insurance in retirement, contact the GaBreeze Benefit Center at 1.877.342.7339 weekdays from 8:00 am to 5:00 pm, EST.

WRAP and Scheduling an Appointment with an ERSGA Retirement Counselor

Retiring soon? Then plan to attend a WRAP in person or on Zoom, or view our WRAP (Workshop for Retirement Answers and Preparation) presentations online for the most comprehensive explanation of your retirement benefits. WRAP was designed specifically for anyone within three months of retiring and brings together information from ERS, Peach State Reserves, Flexible Benefits, and SHBP. 

In many instances, a phone consultation with a counselor will answer your questions. While individual phone appointments can be scheduled, attending a WRAP or viewing the video presentations is the best way to have the information you need before your appointment.

Office hours are 8:00 am to 4:30 pm. To make sure that you have adequate time with a member of our staff, phone appointments will not be scheduled after 4:00 pm.