As a hybrid defined benefit plan, Colorado PERA provides you with comprehensive benefits and helps you navigate the road to retirement.

Welcome PERA Members

As a PERA member, you contribute a percentage of every paycheck to PERA. In exchange, you’ll receive a lifetime defined benefit payment, sometimes called a pension, at retirement.* Beyond that monthly benefit check, PERA also provides built-in benefits like survivor and disability benefit programs.* And you have options for additional financial security, by enrolling in our life insurance and PERAPlus 401(k) and 457 Plans or purchasing service credit.

On this page, you will find the tools and information you need to map your retirement–whether it’s years away or just around the corner.

* For members of PERA's Defined Benefit Plan. If you were eligible for PERAChoice and elected to participate in the PERA DC Plan, see Your PERA Benefits - PERAChoice Provisions or the PERA Defined Contribution (DC) Plan page for information on your benefits.

Leaving PERA-Covered Employment

Purchasing Service Credit

Preparing for Retirement

Colorado PERA and Social Security

Colorado PERA and Social Security


PERAPlus and DC Plans

The PERAPlus 401(k) and 457 Plans are voluntary retirement savings programs offered by PERA. The PERA DC Plan is available for certain employees who are eligible for PERAChoice.


Active members are eligible to enroll in PERACare if their employer has joined the program and they meet the employer's eligibility requirements.

Life Insurance

PERA offers an optional decreasing term life insurance program administered by Unum.

Member Insights


Nov 30, 2017
In May 2018, Colorado PERA will hold an election for three seats on the Board of Trustees.
Nov 1, 2017
If you’re planning on making changes to your PERACare health, dental, or vision plan, PERA must receive your Enrollment/Change Form by November 9.

Member Report

Oct 16, 2017
It’s important that you do a regular check in with any retirement plan. That’s why we mail you an Annual Member Statement about six weeks after your anniversary date of PERA (or DPSRS) membership.
Oct 16, 2017
By now, many of you have probably heard about the PERA Board’s recommendation to lower the funding risk of the system. I know that you have questions and concerns and that’s why the PERA staff, Trustees, and I have scheduled 11 meetings around Colorado during October and November.

Inactive Member News

Nov 30, 2016
An updated version of the Your PERA Benefits booklet is available online. Your PERA Benefits contains everything you need to know...
Nov 30, 2016
The IRS imposes a penalty if you don’t either refund your account or begin taking a monthly benefit by April 1 of the year following...