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About PERSpective

PERSpective provides information for members of the retirement and health programs of the California Public Employees’ Retirement System. If you would like to give us feedback or suggest future topics, send us an email.

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Use our online form for questions and comments about CalPERS programs and services.

For personal account questions, log in to myCalPERS and send your questions through our secure Message Center.

@CalPERS Instagram

A pension can become a life raft in retirement.   A pension can become a life raft in retirement.
 
Meet Patrick, who works for the City of Redding. He explains that he views his eventual defined benefit as something that will help him and his family cover the basics when he's finally done working — which he considers a huge help as he plans this next chapter of his life.
 
Now tell us: what does your CalPERS pension mean to you?

#CalPERS #Retirement #Pension
State Second Tier service credit can affect how yo State Second Tier service credit can affect how your CalPERS retirement benefit is calculated in the long run.
 
If you fall into this category, you may be able to convert it to First Tier for a higher future benefit, but the decision is permanent and may increase contributions.
 
Learn more about the difference and which one best suits your needs on our PERSpective blog at the link in bio.
Retirement doesn't mean leaving California's econo Retirement doesn't mean leaving California's economy behind.

More than 80% of CalPERS retirees and beneficiaries continue to call California home, keeping pension dollars circulating in local communities and supporting businesses across the state.

Learn more in our latest economic trend report at the link in bio.
CalPERS team members came together this fall to ce CalPERS team members came together this fall to celebrate community, connection, and giving back through the annual @unitedwayccr Our Promise campaign.

During our seasonal event, local nonprofits joined us on site to share their missions and connect with state workers — marking a meaningful reminder of the impact that giving can have close to home.

From fall fun to charitable spirit, we’re proud to support #OurPromiseCA and the organizations making a difference across the Sacramento region and beyond. 

Learn more about the 2026 campaign and how to participate at the link in bio. 

#OurPromise #NonProfit #Donate #SeasonOfGiving #CAState
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@CalPERS YouTube

What happens to your health coverage if you keep working after 65? This video explains how Medicare may affect your CalPERS coverage when you continue working past age 65. Learn when you may be able to delay Medicare Part B, why timing matters, and what steps to take as you approach retirement. For more information, visit calpers.ca.gov/Medicare.
Working Past 65? What CalPERS Members Need to Know About Medicare
Link to presentation notes and resources: https://www.calpers.ca.gov/sources/member/webcast_learning_guides/Leaving%20Your%20CalPERS%20Employer%20Presentation%20Notes.pdf?urlTimeStamp=1792007130734

If you leave CalPERS-covered employment before becoming eligible to retire, you may still have important decisions to make regarding your retirement contributions and benefits. In this video, you'll learn about the options available to you, including leaving your contributions with CalPERS, withdrawing your funds or moving to another California retirement system. Join us to gain a better understanding of how these choices may impact your future retirement benefits.

0:00 Presentation
2:47 Before Leaving Your Employer
4:39 Leaving Your Contributions on Account
8:16 Establishing Reciprocity
14:30 Withdrawing Your Contributions
20:05 Retiring
Leaving Your Employer

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