Working After Retirement
Will working after retirement affect your CalSTRS retirement benefit?
If you chose “Maybe,” you’re right!
If you return to work after retirement in a CalSTRS-covered position, including substitute teaching, as an employee of a public school system, an independent contractor or an employee of a third party, you’re subject to restrictions under state and federal law, including a separation-from-service requirement and a postretirement earnings limit.
You can continue to receive your full CalSTRS retirement benefit, with no earnings limitations, if you take a job outside of CalSTRS-covered employment. This includes, but is not limited to, work in:
- Private industry outside the California public school system.
- Private schools.
- Public schools outside of California.
- The University of California or California State University system.
- Certain California Public Employees Retirement System covered positions.
Detailed information about working for employers not covered by CalSTRS can be found in: