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Purchased Service

Service Credit

Purchased Service

Under certain circumstances, members can purchase credited service in the system from employment with other governmental entities, APERS forfeited service, or prior Arkansas public service not previously covered under the system. The most common types of service purchases are military service purchases and refund repayments.

If you have a minimum of five (5) years of actual service (including through reciprocity), you may be eligible to purchase military service. If you were honorably discharged, you may purchase up to five years of active-duty military credit and up to five years of National Guard or Armed Forces reserve service credit. You must submit documentation of your service (such as a DD-214 for active duty).

Refund repayments require that you have been re-employed (or have been an active member of a reciprocal system) for 90 days, working at least 80 hours per month. You must pay the amount refunded to you, plus compounded interest, from the date of your refund to the date of your repayment.

CriteriaMilitary ServiceNational GuardRefund Repayment
Service Requirement5 Years5 Years90 Days, 80 Hours
Other EligibilityHonorable DischargeN/AN/A
Purchase Limit5 Years5 YearsUp to Total Service Refund
Documentation RequiredDD Form 214DD Form 214 or NGB Form 23None

Other types of purchased services include:

  • Out-of-state governmental service
  • Federal government service
  • Other service with an APERS-participating public employer not previously covered (educational leave time, time lost to worker’s compensation injury, or service paid by a federal grant)


I am interested in purchasing military service. What do I need to do? Send a message in your myAPERS portal, or contact APERS at 501-682-7800. You will need to submit documentation of your military service, such as a DD-214. We will provide you with the cost to purchase the service.

I previously received a refund of contributions. How do I pay it back? Send a message in your myAPERS portal, or contact APERS at 501-682-7800. We can provide you with the cost to repay your refund to restore your service. We accept payment via check or money order, and in some cases, you may be able to roll over your funds from another retirement account.

Frequently Asked Questions

What actions can I take?

If you would like to establish reciprocity or inquire about a service purchase, you may reach out to us via myAPERS or by phone 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.