Welcome to the California State Teachers' Retirement System. As the nation's largest public teachers' pension fund, CalSTRS works hard to improve service levels and responsiveness to members' needs. Although we serve more than one-half million active and retired members, we are dedicated to providing exemplary service to each and every member who call, writes, or visits CalSTRS.

Whether you are just beginning your career in education or are an experienced educator, we think the Member Handbook will answer many of your questions you have about your benefit coverage. You will also find information here about the optional programs CalSTRS offers, including the CalSTRS Financial Education Program, the CalSTRS 403(b) Program , Cash Balance Benefit Program and the Home Loan Program.

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

Sincerely,

James D. Mosman
Chief Executive Officer

The CalSTRS Member Handbook is provided both as one complete file and by individual sections for your convenience.

The CalSTRS Member Handbook Rev: April 1999
This is the contents all in one file and is about 2.7MB in size. If you do not need the complete contents, you can use the links below to download just the section(s) you need.

Introduction
Welcome to CalSTRS Membership, Your Early Career Years, Career Issues, What to Consider Before Retirement
Service Retirement
Disability Benefits Programs
Survivor Benefits Programs
Tax Information and Legal Issues
CalSTRS Cash Benefit Program for Part-Time Educators
General Information
Glossary of Terms

CalSTRS Member Handbook Posted: August 17, 1999