As a traditional pension plan with many added features, 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


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


Jun 30, 2015
Pensions & Investments recently featured Executive Director Gregory W. Smith in a video discusses Colorado PERA’s economic impact and pension reform.
Jun 30, 2015
PERA had a positive annual investment return as of December 31, 2014, which means all eligible PERA benefit recipients will be paid an annual increase (AI) in the July 31, 2015, benefit payment.

Member Report

Jul 2, 2015
You can’t spend what isn’t there—that’s the premise that makes 401(k) and 457 plans an easy way to save.
Jul 2, 2015
You already have the financial security that your Colorado PERA retirement benefit will provide, but having additional retirement savings is always a good idea.

Inactive Member News

Oct 27, 2014
1. You will forfeit any benefit rights. Any rights you have accrued during membership, including a future monthly benefit, will be...
Oct 27, 2014
1. Your PERA account will continue to grow. Your account will continue to earn interest on member contributions at a fixed rate. 2...