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In many states, public employee pension plans are known as Public Employee Retirement Systems (PERS). Pension benefits may or may not be changed after an employee is hired, depending on the state and plan, as well as hiring date, years of service, and grandfathering. Retirement age in the public sector is usually lower than in the private sector.
Types of retirement plans. Retirement plans are classified as either defined benefit plans or defined contribution plans, depending on how benefits are determined.. In a defined benefit (or pension) plan, benefits are calculated using a fixed formula that typically factors in final pay and service with an employer, and payments are made from a trust fund specifically dedicated to the plan.
Retirement planning is a process everyone should go through as soon as possible to make sure they’re on track to meet their goals. Work backwards from where you want to be and how you want to ...
Oklahoma Teachers' Retirement System. Oklahoma Teacher's Retirement System (OTRS) is the pension program for public education employees in the State of Oklahoma. As of June 30, 2014, the program had nearly 168,000 members. [1] Public education teachers and administrators are required to be OTRS members; support staff can join voluntarily. [1]
Changing jobs can be an exciting adventure -- whether it's for a better salary, due to a relocation or for professional growth. That said, if you change jobs near retirement, there are a slew of...
In theory, retirement is a time to kick back and relax, but sometimes it doesn’t work that way. Some retirees still want to work, whether to supplement their incomes , add structure to the day ...
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