We recommend you begin the steps to retire from CalPERS one year in advance. If your retirement date is less than a year away, don't worry. We can still help you retire on the day you have planned.

We can also expedite retirement processing for those facing a terminal illness. If you're in this situation, contact us immediately to discuss emergency retirement.

Below are the key steps to help you prepare for retirement. You can find a more detailed checklist in Planning Your Service Retirement (PUB 1) (PDF), or watch our Retirement Planning Checklist video.

1 Year Before Retiring

9 Months Before Retiring

  • If you're also a member of another public retirement system in California, there are steps you need to take to ensure you receive all the benefits you deserve from each system. Refer to When You Change Retirement Systems (PUB 16) (PDF) for more information.
  • If you have Social Security or other non-CalPERS benefits coming later after retirement, you might want to consider temporarily increasing your monthly CalPERS income until those benefits begin. Refer to Your CalPERS Temporary Annuity (PUB 13) (PDF) for more information.

6 Months Before Retiring

4-5 Months Before Retiring

3 Months Before Retiring

  • Submit your completed retirement application and the required documents to CalPERS. Your application can be submitted in person at a CalPERS Regional Office, by mail, or online by logging in to my|CalPERS. Be sure to keep a copy of all the documents submitted for your own record.
  • Check with your credit union, employee organization, or insurance plan to see if certain types of payroll deductions can be continued into retirement.
  • Check with your health benefits officer or personnel office to determine your eligibility for health and dental coverage as a retiree.

You're Retired!

1-4 Months After Retirement

  • After your application has been processed, we'll send you a First Payment Acknowledgment letter, including the date of your first retirement check, amount you can expect to receive, and important income tax information. If you have CalPERS health coverage, a letter will be sent to you with information regarding these benefits. Keep these letters with your other CalPERS information and important financial papers.
  • If you didn't retire on the first of the month, your check will cover the period from your retirement date to the end of the month. Afterwards, we'll direct deposit or mail your retirement check on the first of the month. Your financial institution will determine when your funds are available.
  • If you submitted a request for cost to purchase service credit with your retirement application, we'll provide you with a cost election package and a timeframe for you to respond. You must respond within that timeframe to purchase the service credit. Once you return the election to us, we'll adjust your retirement allowance within 60 days. Your retirement benefit will be adjusted retroactive to your retirement date.
  • In most cases, you should receive your first retirement check around the first of the month following your retirement date.
  • You'll also receive an Account Detail Information sheet providing you with information on what's included in your retirement calculation based on the payroll and service credit information that was posted to your account at the time your benefit was calculated.
  • You'll receive a Notification of Deductions letter if you're having deductions taken or making payments for a service credit purchase or mandatory adjustments to your account.

4-6 Months After Retirement

  • Allow at least four to six months for all final payroll to be processed and adjustments to be made to your retirement.
  • If after you receive six retirement checks, you believe your retirement calculation should reflect a higher final compensation or service credit, call us at 888 CalPERS (or 888-225-7377).