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What Must Educators Moving Between Systems Understand About CalPERS and CalSTRS Reciprocity?

What Must Educators Moving Between Systems Understand About CalPERS and CalSTRS Reciprocity?

by Ryan Cahill | Aug 6, 2026 | CalPERS, CalSTRS

CalPERS and CalSTRS reciprocity is an important topic for educators and public employees who move between California retirement systems during their careers. A teacher may begin in a CalSTRS-covered role, later move into a CalPERS-covered school or public agency...
How Does CalPERS Industrial Disability Retirement Work for Public Employees Injured on the Job?

How Does CalPERS Industrial Disability Retirement Work for Public Employees Injured on the Job?

by Ryan Cahill | Aug 5, 2026 | CalPERS

CalPERS industrial disability retirement can be an important benefit for eligible public employees who can no longer perform their usual job duties because of a job-related injury or illness. For someone who has served in a public role, an injury at work can create...
How Do You Purchase CalPERS Service Credit, and When Does It Actually Make Financial Sense?

How Do You Purchase CalPERS Service Credit, and When Does It Actually Make Financial Sense?

by Ryan Cahill | Aug 4, 2026 | CalPERS

Purchasing CalPERS service credit can feel confusing because it sounds simple at first. You are buying additional credited time that may increase your future pension. But the decision is not always automatic. The real question is whether the cost today is worth the...
CalPERS Health Benefits in Retirement: What Coverage Continues After You Stop Working?

CalPERS Health Benefits in Retirement: What Coverage Continues After You Stop Working?

by Ryan Cahill | Aug 3, 2026 | CalPERS

Retirement is not only about replacing your paycheck. It is also about knowing what happens to your health coverage once you leave work. For many California public employees, CalPERS health benefits are one of the most important parts of the retirement decision. The...
What Do California Public Employees Need to Know About CalPERS Classic vs. PEPRA Tiers and Their Membership?

What Do California Public Employees Need to Know About CalPERS Classic vs. PEPRA Tiers and Their Membership?

by Ryan Cahill | Jul 31, 2026 | CalPERS, PEPRA

If you are a California public employee, your CalPERS membership tier can shape how your retirement benefit is calculated. The two terms you will often hear are Classic and PEPRA. These are not just labels. They can affect your retirement formula, contribution rules,...
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Recent Posts

  • How to Maximize Your 403(b) and 457(b) Plans Alongside Your California Teacher Pension
  • How to Diversify Your Income Streams in the Final Five Years Before Educator Retirement?
  • CalSTRS and Out-of-State Retirement: What Happens to Your Pension Benefits If You Leave California?
  • How to Start Investing on a California Teacher’s Salary: A First-Timer’s Guide?
  • Medigap vs. Medicare Advantage: Which Supplemental Plan Fits a Retired California Teacher’s Needs?
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