I am pleased to present the latest edition of the Member Handbook. Whether you are just beginning your career in education or are an experienced educator, this handbook will answer many of the questions you have about your benefit coverage. The information in it can help you make informed decisions during your active career and prepare fully for your retirement.

CalSTRS is the nation’s largest teachers’ pension fund and our dedicated, professional and conscientious staff work hard to improve service and responsiveness to your needs. Although we serve nearly 800,000 California educators and their families, we are committed to providing exemplary service to each and every person who calls, writes or visits CalSTRS.

Service to CalSTRS members and the security of the Teachers’ Retirement Fund remain our highest priorities. We look forward to assisting you throughout your career and retirement.

Jack Ehnes
Chief Executive Officer

The 2007 Member Handbook (PDF - 2.7 MB)

The entire handbook in one file is about 4.0 MB in size. If you do not need the complete contents, you can use the links below to download just the section(s) you need.

• Overview and Table of Contents (PDF - 286 KB)

• Chapter 1 - Introduction (PDF - 834 KB)

• Chapter 2 - Your Membership and Benefits (PDF - 479 KB)

• Chapter 3 - Benefits for Part-Time Educators (PDF - 443 KB)

• Chapter 4 - Building Your Financial Future (PDF - 446 KB)

• Chapter 5 - Approaching Retirement (PDF - 855 KB)

• Chapter 6 - Your Retirement Benefit (PDF - 542 KB)

• Chapter 6 Continued - Worksheets (PDF - 640 KB)

• Chapter 7 - After You Retire (PDF - 363 KB)

• Chapter 8 - Disability Benefits (PDF - 463 KB)

• Chapter 9 - Survivor Benefits (PDF - 463 KB)

• Chapter 10 - Tax Information and Legal Matters (PDF - 371 KB)

• Chapter 11 - Teletalk Message Codes (PDF - 399 KB)

• Glossary of Terms and Index (PDF - 483 KB)