Member benefit education videosA series of videos to help members better understand their CalSTRS benefits.
Welcome to CalSTRS: Providing retirement benefits to educatorsAs an educator, you're busy helping your students build their future. It's just as important to focus on yours.
Understanding the formula: CalSTRS 2% at 60If you became a CalSTRS member before January 1, 2013, you're under the CalSTRS 2% at 60 benefit structure.
Understanding the formula: CalSTRS 2% at 62If you became a CalSTRS member on or after January 1, 2013, you're under the CalSTRS 2% at 62 benefit structure.
Beneficiary options: What you need to knowDid you know you can choose to have a lifetime benefit paid to a loved one after your death?
Beneficiary options: Preretirement election of an optionYou have the option to provide a monthly lifetime benefit to one or more people after you die.
Understanding Your Retirement Progress ReportYour Retirement Progress Report gives you an overview of your CalSTRS benefits.
Get to know your Defined Benefit Supplement: Part 1, OverviewYour Defined Benefit Supplement Program account is a savings account you have in addition to your Defined Benefit Program account.
Get to know your Defined Benefit Supplement: Part 2, Receiving your fundsYou generally have three choices for receiving your Defined Benefit Supplement account funds. An annuity payment, a lump sum or a combination of an annuity payment and a lump sum.
Get to know your Defined Benefit Supplement: Part 3, Tax considerationsWhen deciding how to receive your Defined Benefit Supplement account funds whether as an annuity, a lump sum or both, you'll need to consider how your funds will be taxed.
Social Security: What you need to knowIf you expect to receive both a CalSTRS retirement benefit and a Social Security benefit in retirement, two federal rules may affect your Social Security benefit.
Survivor benefits: What you need to knowAs a CalSTRS member, your spouse, children, or other loved ones may be eligible for survivor benefits.
Disability benefits: Reducing your financial worriesWe may be able to help reduce your financial worries through our disability benefit for qualifying medical situations.
Pension2: Supplemental savings overviewThe average CalSTRS retirement benefit replaces 50% to 60% of a career educator's salary, but you may need 80% to 90% of your final salary to retire comfortably.
Pension2: Enrollment choices for supplemental savingsPension2, the CalSTRS voluntary supplemental savings program, has three investment options to choose from.
Pension2: Rolling over fundsYou can easily roll over funds from your existing investment accounts into Pension2, the CalSTRS voluntary supplemental savings plan.
How to fill the gap: Maintain your standard of living in retirementIt's important to set realistic savings goals and take steps today so you'll be able to meet your income needs in retirement.
How to purchase service creditAs a CalSTRS member your retirement benefit is based on three factors. One of them is service credit.
Refund: Consider the consequencesWhile it's possible to apply for a refund, it may not be the best for your long-term financial well-being.
Working after retirementAre you retired from CalSTRS and now thinking about going back to work? If so, there are a few things you need to know.
WebinarsWe offer webinars that are designed for all stages of your career. Register today so you plan ahead by better understanding your CalSTRS benefits.
Retirement benefits calculator Learn how to generate an estimate of your CalSTRS monthly retirement benefit online.