WSPRS Plan 2

When can I purchase? 

When you are retiring. 

Are there limits to the annuity amount I can purchase? 

Minimum: $25,000; There is no maximum. 

How much does it cost? 

Log in to your account and choose “Purchasing Annuity.” Here you can find the monthly increase to your pension for any purchase amount. 

What type of funds can I use to purchase an annuity? 

Your payment must come from an eligible governmental plan, like your pretax DCP savings. Members cannot use PERS/SERS/TRS Plan 3 contributions to pay for this annuity. 

When does my annuity benefit begin? 

Your retirement date or the day after your bill for the annuity is paid in full, whichever comes later. 

How often do I receive my annuity benefit? 

Monthly. 

Can I designate a survivor?

Yes. Your survivor must be the same survivor and survivor option you chose for your retirement benefit. 

Will I receive a Cost-of-Living Adjustment (COLA)? 

Yes. You will receive a COLA up to 3% annually. 

How do I purchase this annuity? 

Request this annuity when you retire online. You can also purchase it when completing a paper retirement application. 

Can I cancel the annuity if I change my mind? 

In most cases, no. Annuities are fixed income sources. Once you purchase the annuity, you will not have access to the funds you used to make the purchase.

There are two exceptions:

• If you have not completed the annuity purchase, you can still change or cancel the annuity.
• Once you make the purchase, you’ll have 15 days to cancel the transaction. You’ll receive a mailed letter that includes your rescission, or cancel by date. 

Will my annuity purchase be refunded when I die? 

If you (and your survivor if you selected a survivor option) die before the amount of your annuity purchase has been paid back to you, the difference will be refunded to your beneficiary. 

What if I return to work? 

Your annuity continues.

When can I purchase? 

When you are retiring.

Are there limits to the amount of service credit I can purchase? 

Minimum: One month; Maximum: 60 months.

How much does it cost? 

Log in to your account and choose “Purchasing Service.” Here you can find the estimated cost and income increase per month you purchase.

What funds can I use to purchase service credit? 

You can use any funds except for Plan 3 contributions. Funds rolled over from your DCP account must be pretax.

When does my annuity benefit begin? 

After you have made payment in full.

How often do I receive the benefit? 

Monthly.

Can I designate a survivor? 

Yes. Your survivor will be the same option you chose for your retirement benefit.

Will I receive a Cost-of-Living Adjustment (COLA)? 

Yes. You will receive a COLA up to 3% annually. If you’re a TRS Plan 1 or PERS Plan 1 member, a COLA is an optional choice at retirement.

Can I cancel the annuity if I change my mind? 

No. Annuities are fixed income sources. Once you purchase the annuity, you will not have access to the funds you used to make the purchase. If you have not completed the annuity purchase, you can still change or cancel the annuity.

How do I purchase service credit? 

Request this annuity when you retire online. You can also purchase it when completing a paper retirement application.

Will my annuity purchase be refunded when I die? 

Yes. If you (and your survivor if you selected a survivor option) die before the amount of your purchase has been paid back to you, the difference will be refunded to your beneficiary. For TRS Plan 1, this refund does not apply if you selected the Maximum Option.

What if I return to work? 

The return to work rules for service credit are the same as your retirement benefit. If you return to work for a DRS-covered employer, your annuity will stop if you return to retirement system membership or if you exceed allowable hours as a retiree (867 per year). If you do not return to a DRS-covered employer, your annuity will continue.

When will my benefit increase be effective? 

The increase in your benefit will be effective the day after the department receives your full payment.

Death of a retired member

Please contact DRS as soon as possible. If the retiree chose a survivor benefit, we must update the account for payments to continue. If the retiree did not select a survivor option, we need to stop monthly benefits to avoid an overpayment.

When you contact us, please be ready to provide the deceased retiree’s:

• Full name
• Social Security number
• Date of death

We’ll also ask who is handling the affairs for the estate.

Report a death to DRS

Online: Report the death online.

Phone: 360-664-7081, Option 1

Email: drs.moddnd@drs.wa.gov – Please provide only the last 4 digits of the deceased’s SSN

Mailed form: Print and mail this death reporting form to DRS.

Death of an active or not yet retired member

If a member passes before separating from their Washington public service position, their contribution balance plus interest will be paid out to their beneficiaries.

However, if they worked for at least ten years, a surviving spouse or partner could have the option to inherit the account as pension payments. This option is available if the member worked at least ten years (or reached vested status in Plan 3). Contact DRS for information about eligibility and retirement timing.

When you contact us, please be ready to provide the deceased member’s full name, Social Security number and date of death. Also tell us if the death may be work-related.

Death of a beneficiary or survivor

If you are an active member, you can update your beneficiary designation at any time by logging into your online account.

If your named survivor dies after you retire, you can have your pension benefit changed to the single-life option with no survivor reduction. You will need to report the death to DRS. This provision applies to all DRS plans except for LEOFF and WSPRS Plan 1.

More resources

Information for beneficiaries, claimants and survivors

Death & Disability Benefits Webinars (PERS SERS TRS & LEOFF 2)

To begin the disability request or for more information, please contact your WSPRS employer’s HR or benefits office. Note that DRS is not involved in the WSPRS disability process.

Separating

If you separate from WSPRS employment, you can either withdraw your funds, retire if you meet eligibility requirements or leave your funds in the plan if you are vested for a future retirement. You can also leave your funds in the account if you have a balance of more than $1,000. If you are inactive and non-vested with a balance of less than $1,000, DRS is required to close your account and return the funds to you. The IRS requires you to start receiving your monthly benefit by age 73, unless you are still employed.

Separating from WSPRS -covered employment is the only circumstance where you can withdraw your contributions. Doing so cancels any rights and benefit you have accrued in WSPRS. You can restore your contributions and re-establish your benefit only in certain circumstances.

There are tax implications to withdrawing your contributions, so you might want to contact the IRS or a tax advisor before making a decision. 

Be sure to keep us up to date on any changes to your name, address or beneficiary. It’s important that you keep your beneficiary designation current, because a divorce, marriage or other circumstance might invalidate it.

For more information about your options when separating, see this short career transitions video.

Service credit is cumulative

The service credit you earn toward vesting is cumulative. This means if you separate but later return to public service, you can continue to earn service credit toward your vested status even if you didn’t yet qualify when you separated. For Plan 1 and Plan 2 members, withdrawing your contributions when you separate will set your service credit years to 0.

Withdrawals

For information about withdrawing your retirement contributions before retirement, see Withdrawal of Retirement Contributions.

Withdrawal amounts are based on your total contributions made from your paychecks, plus accumulated interest. Interest is compounded daily and applied quarterly. See the following table for interest rates.

Current and historical rates of regular interest

Loans and borrowing

Due to Internal Revenue Service regulations regarding government pension plans, none of the state retirement pension plans allow for loans or borrowing from your contributions. Retirement plan members, you can only access the funds you’ve contributed if you have separated employment from a DRS-covered employer.

The Washington Deferred Compensation Program (DCP) does not allow loans. If you have a DCP account, an Unforeseeable Emergency Withdrawal may be possible under certain criteria. More about DCP emergency withdrawals.

If you need to show proof of your account balance or monthly pension payment to secure a home loan, mortgage or other borrowing, log in to your DRS online account to view, print or download an account balance or pension verification letter.

If you leave your position, withdraw your contributions and later return to WSPRS work, you might be able to restore your previous service credit. To do so, you must repay the total amount of the contributions you withdrew plus interest within five years of returning to work or before you retire, whichever comes first. Contact us to find out that amount.

A dual member, or someone who belongs to more than one retirement system, might be able to restore service credit earned in a retirement system other than WSPRS. Each time you become a dual member, you’ll have 24 months to restore service credit earned in a previous retirement system.

It might still be possible to buy service credit after the deadline has passed. However, the cost in that case can often be much higher.

Retired? See working after retirement.

Service credit is the time used to calculate your pension retirement income. Sometimes customers notice their service credit doesn’t match their seniority date—these times do not always match. Often, the difference is because of missing or withdrawn service credit. You may be eligible to purchase some or all of the missing credit. Here is what you need to know about the process.

How do I check my service credit?

View your complete service credit history through your online account. It is a good practice to check your service credit every few years to be sure it matches your expectations.

Contact DRS for a cost estimate

You will need to contact DRS to request a cost for restoring your credit. We are not able to provide an estimate when you call. Similar to a retirement benefit estimate, this cost must be calculated by DRS and may require information from your employer.

You’ll need this information

The following preparation can expedite your request:

Provide the dates for the missing service. Find your service credit history in your online account.

Let us know if there is a gap in your service credit or if you withdrew from your account.

• If there is a gap in your service credit, do you know why? Were there any special circumstances around your employment at the time? Some common events for missing credit include: authorized leave of absence, childbirth, substitute teaching, temporary duty disability, or injury.
• If you withdrew from your account, when did you pull out the contributions?

How do I pay?

Make direct payment with either a personal or cashier’s check. Or in many cases it’s also possible to transfer funds from another eligible retirement account to purchase service credit. However, DRS cannot accept funds in excess of the cost to make your purchase. Check with your account administrator to see if you can transfer those dollars to a 401(a) account type.

There is a deadline

your plan. The amount of time varies by plan. Ask DRS about your options for purchase. If the deadline has passed, you may still have the option to purchase additional service credit as an annuity option when you retire. This purchase will not restore missing time, but it would be used in your retirement payment calculation.

How will your retirement income be affected if you return to work? It depends on where you work.

If you return to work in another WSPRS or LEOFF position, your benefit will stop and you will re-enter membership.

If you return to work in another DRS-covered retirement plan (like PSERS, PERS, SERS or TRS), you will continue to receive your retirement benefit regardless of how many hours you work.

Working for a non-DRS covered employer

Unless you’ve been approved for a disability retirement, you can return to work for an employer not covered by a Washington state retirement system without affecting your monthly benefit.

If you are a member of more than one Washington state retirement system, you are a dual member. You can combine service credit earned in all dual member systems to become eligible for retirement.

In most cases, your monthly benefit will be based on the highest base salary you earned, regardless of which system you earned it in.

Base salary includes your wages and overtime and can include other cash payments if those payments are included as base salary in all the retirement systems you are retiring from.

Example

If you retire at age 65 with three years of service credit from WSPRS Plan 2 and four from the Public Employees’ Retirement System (PERS) Plan 2, you are a dual member. Without dual membership, your service would not be eligible for a monthly benefit from either system. With dual membership, your service credit is combined, giving you enough to retire. Your benefit from each is calculated with service from that system:

2% x 3 (WSPRS service credit years) x Average Final Salary (AFS) = WSPRS benefit

2% x 4 (PERS service credit years) x Average Final Compensation = PERS benefit

PERS benefit + WSPRS benefit = total monthly benefit

See the multiple plans page for more information about dual membership.

See a live or recorded membership in multiple plans webinar.

Do you have U.S. military service? If you leave or reduce your DRS retirement plan-covered employment to serve in the military, you could be eligible for restoration of missing retirement service credit. The amount of service credit you have directly affects your retirement income calculation.

There is a deadline

You must complete payment for the military service credit within five years of returning to DRS-covered employment, or before you retire, whichever comes first. After this time has passed, and if the service does not qualify for no-cost service, you will no longer be eligible to replace the service credit using the military credit program. However, you can still purchase the service credit for a much higher cost as an optional bill past the statutory deadline date up to the time you retire (RCW 41.50.165). The longer you wait, the more it costs.

How much will it cost?

You can apply to recover up to five years of interruptive military service credit (sometimes up to 10 years depending on your circumstance). If your military service was during a period of war or an armed conflict during which you earned a campaign badge or medal, you might be able to recover up to five years of service credit at no cost to you.

For other interruptive military service, you can apply to receive an optional bill for the retirement contributions you would have paid on your normal salary during that time. However, you must pay your optional bill within five years after you return to work, and you must be working for the same employer you left to serve in the military. If you don’t pay the bill within five years, you might still be able to purchase the service credit, but at a much higher cost.

How do I apply?

Contact DRS about a month and a half after you return to work to ask about recovering military service credit. You will then submit information, such as a copy of your DD214 service record, to help us determine your eligibility. DRS will review your account as well as the information you provide and notify you of our findings, including an optional bill if applicable. This usually takes 2-3 weeks.

Other ways to increase your retirement

Depending on the type of funds you have available, DRS has a couple of annuity purchase options to increase your monthly pension amount.

Your retirement account can be affected by changes in your marital status. If you marry or divorce before you retire, you need to update your beneficiary, even if your beneficiary remains the same.

Marriage

If you are married when you retire, you choose from a few benefit options that can include retirement income coverage for your spouse if you die before them.

If you marry after retirement, you could be eligible to change your benefit option to add your spouse. You need to be married at least a year and request DRS add your spouse during your second year of marriage.

If you become widowed after retiring, you can have your benefit option changed to the single-life option with no survivor reduction. You will need to report the death to DRS.

See more about changing your survivor after retirement.

Contact DRS for more information.

Divorce or separation

For questions about a property division, or to start the process, contact DRS.

For further research on property orders, see WAC 415-02-500.

Federal taxes on your benefit

Most, if not all, of your benefit will be subject to federal income tax. The only exception will be any portion that was taxed before it was contributed. When you retire, we will let you know if any portion of your contributions has already been taxed.

Since most public employers deduct contributions before taxes, it’s likely your entire retirement benefit will be taxable.

At retirement, you must complete and submit an IRS W-4P form to let us know how much of your benefit should be withheld for taxes. If you don’t, DRS is required to withhold federal taxes as if you are single with no adjustments. To adjust your IRS tax withholding amount after retirement, log in to your online account or mail a new W-4P form to DRS.

For each tax year you receive a retirement benefit, we will provide you with a 1099-R form to use in preparing your tax return (see 1099-R). These forms are usually mailed at the end of January for the previous year. The information is also available through your online account.

It is your responsibility to declare the proper amount of taxable income on your income tax return.

If you opt to deduct health care from your monthly pension payments in retirement:
The IRS considers health insurance premiums paid via your monthly pension as part of your taxable income. This is because your pension contributions were not taxed (see IRS page 8). Visit the retired member page for more information about deductions in retirement.

Federal benefit limits for high income members

If you are a highly paid member or retiree, you may encounter a federal limit on your retirement benefit. There are two federal regulations that could limit benefits for highly paid members and retirees. The salary limit (which restricts the salary used to determine your benefit) and the benefit limit (which limits the annual benefit amount you can receive). In other words, federal law limits the amount of compensation you can pay retirement system contributions on, and that can be used in your benefit calculations. The IRS can adjust the amount each year.

2026 salary limit

The 2026 limit is $360,000. This means any salary you earn over this amount in 2026 will not be part of your retirement contributions or your pension calculation. See the following section for more information on how this limit applies to you.

Internal Revenue Salary Limit for Active Members

If you began public service before 1/1/96

• You don’t have a salary limit
• You pay contributions on all salary earned
• DRS does not adjust your Average Final Compensation for limit testing purposes
• Your pension calculation is not affected by salary limits
• IRC section 415(b) requires that your annual benefit must not exceed the limit. If you don’t exceed the benefit limit at the time you retire, it is still possible that your benefit may be affected at a later date.

If you began public service on or after 1/1/96

• The current year salary limit applies (see above)
• The salary limit is the same for all members and is adjusted annually by the IRS
• If you reach the salary limit in a calendar year, you stop paying contributions
• DRS notifies your employer when you approach the salary limit
• Your Annual Final Compensation is capped for limit testing purposes if it includes the years you exceeded the salary limit
• Your pension calculation is affected by salary limits

How do survivors or beneficiaries impact the limit?

Does my benefit amount change for my survivor beneficiary after I die?

No. If you chose to provide for a survivor beneficiary, and you die before your survivor does, your benefit transitions to your survivor at the rate you chose (100%, 50% or 67%). After the transition, your survivor’s benefit will also be tested.

What happens if my survivor beneficiary dies before I do?

If your survivor beneficiary dies before you do, your benefit increases as if you hadn’t chosen a survivor option. If your survivor beneficiary was your spouse or domestic partner, we will continue to use your original benefit amount in your annual testing. If your survivor beneficiary was not your spouse or domestic partner, we will use your new, higher limit amount in your annual testing.

More information about federal limits

The IRS characterizes the retirement systems as 401(a) defined benefit plans. To retain status as qualified plans, the systems must comply with federal regulations. For more information about salary limit regulations, see Internal Revenue Code (IRC) Section 401(a)(17). For more about benefit limit regulations, see IRC 415(b).

For more information see these IRS resources:

IRS Plan Benefit Limits

Why beneficiaries matter

Naming a beneficiary protects your loved ones and ensures your benefits go to the people you choose. Your beneficiary is the person (or people) who would receive any remaining funds in your retirement account after your death.

If you don’t name a beneficiary, any benefits due will be paid to your surviving spouse or minor child. If you don’t have a surviving spouse or minor child, the funds will be paid to your estate.

Keeping your beneficiary information current helps avoid delays or complications later. About one-third of DRS customers don’t have a beneficiary on file. Log into your account to make sure you’re not one of them.

When to review or update your beneficiaries

You can change your beneficiaries at any time, and you should review your selections regularly, especially after a major life event, such as:

• Marriage or state-registered domestic partnership
• Divorce or legal separation
• Birth or adoption of a child
• Death of a previously named beneficiary

Life events like these may invalidate your previous choices, so it’s important to keep your designations up to date.

How to add or update your beneficiaries

• Before retirement: Log in to your online account and select My Account to view or update your beneficiaries for your pension and Deferred Compensation Program (DCP) accounts. Or you can submit a paper beneficiary form if you prefer.
• After retirement: Retired members must update pension beneficiaries using a paper form. Due to the complexity of survivor options, pension beneficiaries cannot be changed online. However, you can update DCP beneficiaries anytime through your online account.

Beneficiaries versus survivors

It’s common to mix up these two terms. Here’s how they differ:

• Beneficiary: A person or organization you designate to receive a one-time, lump-sum payment of any remaining account balance after your death. You can name multiple beneficiaries.
• Survivor: A person (usually a spouse or partner) you can name at retirement to receive lifetime monthly benefit payments after your death. You can only name one survivor, and this choice is usually permanent. Visit the survivor section of this page for more information.

If you have both, the survivor receives payments first. Beneficiaries are paid only if the survivor also dies and funds remain in your account.

What happens if you don’t name a beneficiary

If you pass away without a named beneficiary:

1. Any benefits due will first go to your surviving spouse or minor child.
2. If you don’t have a surviving spouse or minor child, the benefit will be paid to your estate.

Without a named beneficiary, payments can be delayed, so it’s important to make your designations now.

What if you pass away before you retire?

If you pass before separating from your Washington public service position, your contribution balance plus interest will be paid out to your beneficiaries.

However, your surviving spouse or partner could have the option to inherit your account as pension payments. This option is available if you worked at least ten years in Plan 1 or Plan 2, or reached vested status in Plan 3. Contact DRS for information about eligibility and retirement timing.

Next steps

1. Log in to your online account to view or update your beneficiary information.
2. Or use the paper beneficiary form if you’re retired or prefer to update by mail.
3. Stay informed by reviewing survivor options in the next section.

Keeping your beneficiary information current is a simple but powerful way to protect the people you care about.

Special note for Plan 3 members

At retirement, you may select:

• A survivor for your pension benefit; and
• One or more beneficiaries for your investment account (these can be the same or different people as your pension selections).

If you use your investment account to purchase a TAP Annuity, you’ll also have the option to name a survivor for that annuity.

Choosing a survivor

When you retire, one of your most important decisions will be whether to include a survivor benefit option. A survivor is the person you designate to continue receiving monthly benefit payments after your death.

Selecting a survivor is optional. It allows your benefit to continue beyond your lifetime, but it also reduces the amount of your monthly payment. You can name only one survivor per retirement plan, and your choice is generally permanent once you retire.

If you do not choose a survivor, your pension benefit will end when you die. Any remaining balance of your original contributions would be paid in a single lump sum to your designated beneficiary.

Survivor benefit options

When you apply for retirement, you’ll select one of the following four options. Each determines how much you receive each month and what happens after your death.

Option 1: Single Life

• Pays the highest monthly benefit.
• The benefit ends with your death.
• If you die before receiving the total amount of your contributions plus interest, that remaining balance will be paid in a lump sum to your beneficiary.

Option 2: Joint and 100% Survivor

• You receive a reduced monthly benefit.
• After your death, your survivor receives the same monthly amount for the rest of their life.

Option 3: Joint and 50% Survivor

• Your monthly benefit is slightly higher than Option 2.
• After your death, your survivor receives half of your monthly amount for life.

Option 4: Joint and 66.67% Survivor

• Your monthly benefit is between Options 2 and 3.

After your death, your survivor receives two-thirds (66.67%) of your monthly benefit for life.

After you retire

Your survivor and benefit option become final once retirement begins, with only a few exceptions:

• If your survivor dies before you: Contact DRS to have your benefit changed to the unreduced single-life amount.
• If you marry in retirement: You may have a one-time option to add your spouse as a survivor. You must request this change between your first and second year of marriage (or second and third year for Washington State Patrol retirees).
• If both you and your survivor die before your original contribution balance is paid out, your beneficiary will receive any remaining funds as a lump-sum payment.

Beneficiaries versus survivors

It’s common to mix up these two terms. Here’s how they differ:

• Beneficiary: A person or organization you designate to receive a one-time, lump-sum payment of any remaining account balance after your death. You can name multiple beneficiaries. Visit the beneficiary section of this page for more information.
• Survivor: A person (usually a spouse or partner) you can name at retirement to receive lifetime monthly benefit payments after your death. You can only name one survivor, and this choice is usually permanent.

If you have both, the survivor receives payments first. Beneficiaries are paid only if the survivor also dies and funds remain in your account.

Spouse or domestic partner consent

At retirement, you must get consent from your spouse, legally separated spouse or registered domestic partner if you:

• Choose the single life option.
• Name someone other than your spouse, legally separated spouse or partner as your survivor.

Their consent confirms agreement with your selected benefit option and must include a notarized signature as part of your retirement application. Without a notarized spousal consent, your benefit may be delayed or reduced.

Proof of age

If you select a survivor option, DRS requires proof of age for your survivor when you apply for retirement. Acceptable documents include:

• Driver license or non-military government ID card
• Passport or passport card
• Birth certificate
• NEXUS or Global Entry card
• Naturalization certificate
• Certificate of armed services record (DD-214)

Note: Department of Defense–issued IDs cannot be accepted because they cannot be legally photocopied.

Plan 3 members: You can select a survivor for your pension account and separate beneficiaries for your investment account. If you use your investment account to purchase a TAP Annuity, you may also name a survivor for that annuity.

See a live or recorded benefit options webinar.

What is a rollover?  A rollover is moving funds from one eligible retirement plan to another.  Rollovers can include a rollover out (moving funds out of an account) and a rollover in (moving money into an account).

You can roll out your pension account contributions, DCP and Plan 3 investment balances at any time once you separate from service. Pension plan contributions made by your employer are not eligible for rollovers. These dollars remain in the pension trust fund and are only available to you as part of a monthly pension retirement income.

While DRS doesn’t charge fees for rollover services, your other financial institutions could. Make sure you’re aware of any fees or differences in expenses, options and services before you move your funds. We recommend initiating your withdrawal/rollover promptly because your institution’s withdrawal timelines can take weeks or months. If DRS doesn’t receive your funds by the bill due date, your rollover will not be accepted.

Converting a cash withdrawal to a rollover

If you make a cash withdrawal, you’ll have 60 days from the date you receive payment to deposit the funds into a traditional IRA or another eligible plan that accepts rollovers. Your rollover in amount must match the rollover out amount before taxes or the difference is subject to income tax. You may choose to pay the difference out of pocket when you roll it over. This difference could be recovered when you file your annual tax return with the IRS. Consult your tax advisor or visit this IRS page to find out more.

Rolling funds out

Your account contributions and interest can be rolled out once you separate from service. Complete the withdrawal process for your plan. It is your responsibility to confirm whether your chosen institution will accept rollover funds.

When considering whether to roll your contributions out of your plan, find out how much service credit you’ve earned. If you have at least five years, you qualify for a guaranteed monthly pension in retirement. Retiring with the pension is the only way to receive the contributions your employer has also been adding to your plan. Plan 2 members who withdraw or rollover their contributions will forfeit their pension.

You can begin the rollover process by completing the Plan 1 and Plan 2 Pension Withdrawal form.

Rolling funds in

Generally speaking, you cannot roll funds into your retirement benefit account. However, there are some unique circumstances which would allow you to do so. For example, you can roll funds in to purchase service credit or an annuity. Using rollover funds to make these purchases would be reported as a rollover for tax purposes. If you have service credit available to recover or purchase, contact DRS to find out more about your options.

Washington’s Deferred Compensation Program (DCP) does accept rollovers-in. More rolling funds into DCP.

Ask your employer if you will be eligible for health insurance coverage through a program like the Public Employees Benefits Board (PEBB) once you retire. You can also call the Health Care Authority at 800-200-1004 or visit hca.wa.gov.

If you qualify for continuing coverage after retirement, you must meet strict timelines to apply or request a deferral. If you are not entitled to PEBB coverage, you might be eligible for health insurance your employer provides. For more information, consult your employer.

If you opt to deduct health care from your monthly pension payments in retirement:
The IRS considers health insurance premiums paid via your monthly pension as part of your taxable income. This is because your pension contributions were not taxed (see IRS page 8). Visit the retired member page for more information about deductions in retirement.

Visit the health care page for more resources.

You are eligible for WSPRS Plan 2 membership if the position you were commissioned on or after January 1, 2003.