The first step to take in planning for retirement is to learn more about your CalSTRS benefits by gathering information that will help you create a solid plan for a successful retirement. CalSTRS offers many ways to learn about your benefits and tools, resources and services to assist you throughout the planning process.
As a California public school educator, you do not pay into
Social Security, so you will not receive Social Security benefits
for your CalSTRS-covered position.
If you expect to receive a Social Security check through your
spouse or other employment, two federal rules—the Windfall
Elimination Provision and the Government Pension Offset—could
leave you with a smaller Social Security check or no check at
Your CalSTRS retirement benefit will not be reduced by these
Electronic privacy is crucial for the ongoing success of the
Internet as a convenient means to provide customer service. Your
personal information will be used only to conduct CalSTRS-related
Your retirement benefit is based on a formula (Service Credit x
Age Factor x Final Compensation = Member-Only Benefit). How
confident are you in your understanding of how this formula
determines your Member-Only Benefit amount?