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Retirement Benefits

Retirement Benefits

Retirement Benefits

If you are vested for an APERS benefit (you have five years of actual service), you are entitled to a retirement annuity upon meeting eligibility criteria. For most individuals, applying for normal retirement without any reduction for age or service is possible at age 65 or at any age with 28 years of actual service.

Early Retirement

For most individuals, applying for early retirement is possible at age 55 or at any age with 25 years of actual service. Under early retirement, you receive a benefit that is reduced by the number of months your age at early retirement is younger than your normal retirement age. If you apply for early retirement, your benefit will be reduced by the smaller of two reduction calculations:

  • One-half of one percent (0.5%) per month you have left until you attain age 65.
  • You have one percent (1%) per month left until you reach 28 years of actual service.


If you are ready to apply for retirement, you may apply in myAPERS by clicking Your Benefits, then Apply for Benefits. If you prefer a paper application, contact APERS at 501-682-7800.

Frequently Asked Questions

  • When should I apply for retirement?
    Our application deadlines are available at You must apply no earlier than 90 days and no later than 30 days in advance of your effective retirement date.
  • When should I retire?
    We cannot tell an individual when he or she should retire, as it is a personal choice based on many factors. If you are thinking about retiring, you can estimate your benefits in your myAPERS Portal by clicking Your Benefits, then New Estimate. You may also request an estimate by contacting APERS at 501-682-7800.

Disclaimer on Benefits and Rights

Disclaimer Concerning Benefit Calculations, Benefit Projections, Counseling, and Certain Conditions Regarding APERS Benefits and Rights

The purpose of this Disclaimer is to summarize, in plain language, existing APERS policy concerning benefit calculations, benefit projections, counseling, and certain conditions regarding APERS benefits and rights. This Disclaimer does not reflect any alteration or amendment of existing APERS policy. This site includes general information about APERS programs and benefits and may not represent or include completely the law and/or rules that govern APERS. Arkansas law and/or administrative rules will supersede any information in conflict.

APERS strives to provide accurate information and assistance to plan participants who have questions regarding their APERS benefits. All information and calculations concerning benefits are based upon current law and policy, even though information often concerns future benefits. Likewise, laws and policies affecting plan participants are subject to change from time to time. The Arkansas General Assembly, U. S. Congress, federal agencies, and the APERS Board of Trustees may change how benefits are calculated and change other rights of plan participants. Any benefit projection or information provided by APERS is subject to future law or policy that is applicable to APERS.

APERS staff depends upon information provided by the plan participants and offers counseling and projects future benefit estimates based upon that information. Such estimates can vary materially from actual results. Calculations concerning benefits, as well as the information APERS provides during counseling, can be materially affected if the plan participant provides inaccurate or incomplete information, or omits material facts. Plan participants are presumed to have knowledge of all publicly available laws and policies that affect their APERS benefits and rights. APERS is under no duty to ensure that plan participants are specifically informed of a new law or policy unless required within the law or policy itself. If APERS attempts to notify plan participants who may be affected by a change of a law or policy, the failure to notify a specific plan participant does not create any right or cause of action for the plan participant.

APERS does not provide plan participants with specific recommendations regarding retirement options, tax advice, or legal advice. Each plan participant is solely responsible for determining whether benefit calculations, benefit projections, benefit estimates, and retirement plan options are suitable for the plan participant based upon his or her specific retirement objectives and personal and financial situation. APERS encourages plan participants to consult their own lawyer, accountant, tax professional, or other retirement adviser before making a decision that affects their benefits and rights regarding APERS.

Federal law and policy, state law and policy, APERS records and documents, and accurate data always govern the final determination of plan participant benefits and rights. An error by APERS does not create any common law rights on behalf of the plan participant. The rights of a plan participant are solely governed by the rights set forth in law and policy applicable to APERS.