How and When to Retire
When can I retire?


Normal Retirement:

  • With 10 years of service you are vested. You are eligible to receive benefits upon reaching age 60.
  • With 25 years of service you are eligible for an immediate benefit, but with penalties.
  • Once you reach 30 years of service or age 60, you are eligible for an immediate benefit without penalties.
  • If you are an Old Plan Member, you are eligible for extended benefits with 34 years of service.

Early Retirement

Disability Retirement:

Members are eligible for disability retirement benefits after 13 years and 4 months of service provided that you have not reached age 60. 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?

We strive to make your future retirement as pleasant as possible.

  • Members who are retiring as a service retirement, have already chosen a retirement date, and have a recent estimate, should apply online by going to or by using the Log In button at the top of this page. Once logged into the secure desktop, click the apply for retirement option. The online application contains retirement information as well as all the necessary ERS forms. 
  • All other members who are not applying for an ERS service retirement should request a paper retirement application. 
  • To continue Dental insurance in retirement, you will need to contact the State Personnel Administration (SPA) to obtain the necessary form. SPA can be reached at 1-888-968-0490 or 404-656-2730 in the Metro Atlanta Area.
  • For information on continuing Health Insurance in retirement, contact the Dept. of Community Health at (404) 656-6322 or 1-800-610-1863 for assistance.
  • ERSGA cannot accept the retirement application more than 90 days prior to the retirement date, and it must be in our office at least 30 days before the retirement date to process on a timely basis. The application is considered filed only when ERSGA has received it.
  • Retirement always begins on the first of a month. The first retirement check is mailed on the last working day of your initial payroll month. All subsequent payments will be direct deposited on the last working day of each month.

Visiting the ERSGA Office

  • Retiring soon? Then plan to attend our WRAP (Workshop for Retirement Answers and Preparation) program for the most comprehensive examination of your retirement benefits. WRAP was designed specifically for anyone within three months of retiring and brings together representatives from ERS, Peach State Reserves, and Health Insurance. You will also be able to complete your retirement application and have it reviewed by one of our staff members. To see more about WRAP and the current schedule, click here.
  • NOTE: Due to the large number of employees that attend these seminars, we are unable to calculate individual retirement benefits on the day of the workshop. Retirement estimates MUST be requested from our Member Services Division at least 45 calendar days prior to attending a WRAP session by calling 800-805-4609 or, locally, 404-350-6300.
  • While individual appointments can be scheduled, attending a WRAP session is to your advantage in order to ask questions of Health Insurance and Peach State Reserves representatives, as well as to hear the questions of other employees nearing retirement.
  • If you’re unable to attend a WRAP session, you can schedule an appointment by contacting our office at 800-805-4609 or, locally, 404-350-6300. If you would like to discuss your retirement options, give us at least one week’s notice in order to prepare an estimate. That ensures that you will be seen promptly and at a time that will fit your schedule.
  • Office hours are 8:00 AM to 4:30 PM. To make sure that you have adequate time to discuss your requirements with a member of our staff, appointments will not be scheduled after 4:00 PM.
  • In many instances, a phone consultation with a counselor will take care of your questions.
  • For security reasons, all visitors must present a picture ID to enter our building. For directions to the ERSGA office, click here.