<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://copera.org</loc>
    <lastmod>2026-04-01T07:36:12.947Z</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-discusses-legislation-funding-at-march-2026-meeting/</loc>
    <lastmod>2026-03-31T15:37:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/america-saves-week-2026-do-you-have-a-savings-plan/</loc>
    <lastmod>2026-03-31T15:36:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-39-states-now-require-personal-finance-education/</loc>
    <lastmod>2026-03-31T15:35:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/life-and-job-changes/leaving-employment/refunds-and-rollovers/</loc>
    <lastmod>2026-03-31T15:53:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/newsletters/topics-march-2026/</loc>
    <lastmod>2026-03-31T08:18:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/tax-considerations-for-refunds-and-rollovers-spanish/</loc>
    <lastmod>2026-03-30T15:11:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/refund-rollovers-request-spanish/</loc>
    <lastmod>2026-03-30T15:10:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-disability-benefits-a-built%e2%80%91in-protection-for-your-workforce/</loc>
    <lastmod>2026-03-30T15:42:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/help-your-employees-take-action-with-pera/</loc>
    <lastmod>2026-03-30T15:42:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-study-challenges-beliefs-about-healthy-aging/</loc>
    <lastmod>2026-03-17T16:34:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/checking-in-on-the-2026-legislative-session-so-far/</loc>
    <lastmod>2026-03-19T15:19:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-earns-40th-consecutive-certificate-of-achievement-for-annual-financial-report/</loc>
    <lastmod>2026-03-17T07:10:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-includable-salary-guide/</loc>
    <lastmod>2026-03-04T15:49:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/report-many-workers-struggle-to-save-for-retirement-on-their-own/</loc>
    <lastmod>2026-03-03T13:27:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-how-new-retirement-accounts-with-federal-match-would-work/</loc>
    <lastmod>2026-03-03T13:25:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-pera-selects-peracare-carriers/</loc>
    <lastmod>2026-02-26T10:12:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/newsletters/retiree-report-winter-2026/</loc>
    <lastmod>2026-02-26T15:46:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/working-after-retirement-rules-to-know/</loc>
    <lastmod>2026-02-25T15:24:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/staying-active-in-retirement/</loc>
    <lastmod>2026-03-10T09:20:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/benefit-payment-dates-for-2026/</loc>
    <lastmod>2026-02-25T15:08:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-to-change-your-tax-withholding/</loc>
    <lastmod>2026-03-03T13:36:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/access-your-tax-and-benefit-statements-any-time/</loc>
    <lastmod>2026-02-26T15:35:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-you-can-save-more-for-retirement/</loc>
    <lastmod>2026-02-26T13:09:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/life-insurance-open-enrollment-ends/</loc>
    <lastmod>2026-02-22T22:14:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/life-insurance-open-enrollment-begins/</loc>
    <lastmod>2026-02-22T22:16:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-retirement-plans-out-of-reach-for-many-workers/</loc>
    <lastmod>2026-02-17T15:11:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/joint-budget-committee-rejects-proposal-to-reduce-pera-contributions/</loc>
    <lastmod>2026-02-17T15:09:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/newsletters/member-report-winter-2026/</loc>
    <lastmod>2026-02-26T14:29:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/updating-your-beneficiaries/</loc>
    <lastmod>2026-02-17T11:06:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/use-pera-calculators-to-plan-for-retirement/</loc>
    <lastmod>2026-02-17T10:59:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/stay-updated-on-2026-legislation-affecting-pera/</loc>
    <lastmod>2026-02-17T12:49:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/serve-on-peras-board-of-trustees/</loc>
    <lastmod>2026-02-20T15:18:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/certification-of-leave-of-absence/</loc>
    <lastmod>2026-02-10T12:38:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-which-states-are-best-for-retirement/</loc>
    <lastmod>2026-02-04T10:06:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/recap-of-pera-boards-january-2026-meeting/</loc>
    <lastmod>2026-02-04T09:15:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/pera-town-hall-golden/</loc>
    <lastmod>2026-02-22T22:15:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/newsletters/peracare-insights-february-2026/</loc>
    <lastmod>2026-02-03T16:16:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/app/</loc>
    <lastmod>2026-01-27T07:49:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/we-hear-you-peracare-survey-results/</loc>
    <lastmod>2026-02-25T15:38:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/calling-all-carriers-issuing-a-request-for-proposal/</loc>
    <lastmod>2026-01-26T14:30:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/benefits-of-registering-with-your-carrier/</loc>
    <lastmod>2026-01-27T07:51:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/by-the-numbers-peracare-open-enrollment-activity/</loc>
    <lastmod>2026-01-26T14:30:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/extra-extra-free-benefits-included-in-your-plan/</loc>
    <lastmod>2026-02-02T12:45:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-colorado-lawmakers-facing-850-million-budget-gap/</loc>
    <lastmod>2026-01-20T16:40:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/school-state-higher-education-seats-on-pera-board-up-for-election-in-2026/</loc>
    <lastmod>2026-01-20T15:05:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-submits-letter-to-joint-budget-committee-regarding-legislative-proposals/</loc>
    <lastmod>2026-01-20T08:35:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2026-proposed-pera-related-legislation-status/</loc>
    <lastmod>2026-03-26T15:45:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/event-calendar/</loc>
    <lastmod>2026-01-09T10:48:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/board-election-candidacy-packets-due-march-2-2026/</loc>
    <lastmod>2026-02-22T22:15:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/board-election-candidacy-packet-requests-close-feb-27-2026/</loc>
    <lastmod>2026-02-22T22:15:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/board-election-candidacy-packet-requests-open-jan-5-2026/</loc>
    <lastmod>2026-02-22T22:15:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/monthly-benefit-payment-december-2026/</loc>
    <lastmod>2026-02-22T22:14:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/monthly-benefit-payment-november-2026/</loc>
    <lastmod>2026-02-22T22:17:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/monthly-benefit-payment-october-2026/</loc>
    <lastmod>2026-02-22T22:17:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/monthly-benefit-payment-september-2026/</loc>
    <lastmod>2026-02-22T22:17:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/monthly-benefit-payment-august-2026/</loc>
    <lastmod>2026-02-22T22:17:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/monthly-benefit-payment-july-2026/</loc>
    <lastmod>2026-02-22T22:17:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/monthly-benefit-payment-june-2026/</loc>
    <lastmod>2026-02-22T22:17:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/monthly-benefit-payment-may-2026/</loc>
    <lastmod>2026-02-22T22:18:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/monthly-benefit-payment-april-2026/</loc>
    <lastmod>2026-02-22T22:18:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/monthly-benefit-payment-march-2026/</loc>
    <lastmod>2026-02-22T22:19:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/monthly-benefit-payment-february-2026/</loc>
    <lastmod>2026-02-22T22:19:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/monthly-benefit-payment-january-2026/</loc>
    <lastmod>2026-02-22T22:19:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-tips-for-making-financial-resolutions-that-stick/</loc>
    <lastmod>2026-01-07T08:21:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/christmas-dec-25-2026/</loc>
    <lastmod>2026-02-22T22:19:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/thanksgiving-nov-26-27-2026/</loc>
    <lastmod>2026-02-22T22:19:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/labor-day-sept-7-2026/</loc>
    <lastmod>2026-01-06T13:36:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/independence-day-july-3-2026/</loc>
    <lastmod>2026-01-06T13:35:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/juneteenth-national-independence-day-june-19-2026/</loc>
    <lastmod>2026-01-06T13:33:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/board-of-trustees-meeting-nov-20-2026/</loc>
    <lastmod>2026-02-17T15:41:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/board-of-trustees-committee-meetings-nov-19-2026/</loc>
    <lastmod>2026-02-17T15:14:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/board-of-trustees-compensation-and-budget-committee-nov-4-2026/</loc>
    <lastmod>2026-02-17T15:14:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/board-of-trustees-planning-session-september-23-25-2026/</loc>
    <lastmod>2026-02-17T15:15:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/board-of-trustees-meeting-june-25-2026/</loc>
    <lastmod>2026-02-18T00:16:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/board-of-trustees-committee-meetings-june-24-2026/</loc>
    <lastmod>2026-02-17T15:16:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/board-of-trustees-audit-committee-meeting-june-9-2026/</loc>
    <lastmod>2026-02-17T15:40:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/board-of-trustees-meeting-march-20-2026/</loc>
    <lastmod>2026-02-26T11:37:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/board-of-trustees-committee-meetings-march-19-2026/</loc>
    <lastmod>2026-02-17T15:40:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/memorial-day-may-25/</loc>
    <lastmod>2026-01-07T09:07:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/presidents-day-feb-16/</loc>
    <lastmod>2026-01-07T09:05:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/martin-luther-king-jr-day-jan-19/</loc>
    <lastmod>2026-02-12T03:36:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meeting-events/board-of-trustees-meeting-january-23-2026/</loc>
    <lastmod>2026-02-17T15:40:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-to-expect-from-colorados-2026-legislative-session/</loc>
    <lastmod>2026-01-05T14:43:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-issues-rfp-for-actuarial-audit-services-2026/</loc>
    <lastmod>2026-01-23T07:34:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/board-election-2026/</loc>
    <lastmod>2026-03-18T13:21:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/newsletters/topics-december-2025/</loc>
    <lastmod>2025-12-23T08:30:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/updated-resources-for-employers/</loc>
    <lastmod>2025-12-23T07:47:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2026-bank-holidays/</loc>
    <lastmod>2025-12-23T07:33:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/glossary/</loc>
    <lastmod>2025-12-22T10:44:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-senate-holds-hearing-on-retirement-savings/</loc>
    <lastmod>2025-12-16T13:57:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/year-in-review-our-top-articles-of-2025/</loc>
    <lastmod>2025-12-15T13:14:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/transparency/</loc>
    <lastmod>2025-12-12T09:36:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/newsletters/retiree-update-december-2025/</loc>
    <lastmod>2025-12-15T14:39:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/our-commitment-to-transparency/</loc>
    <lastmod>2025-12-12T14:40:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-who-qualifies-for-the-new-senior-tax-deduction/</loc>
    <lastmod>2025-12-02T15:22:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-approves-interest-rate-discusses-2026-legislative-session-at-november-2025-meeting/</loc>
    <lastmod>2025-12-02T15:23:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/online-perachoice-form-now-available-webinar-resources/</loc>
    <lastmod>2025-12-01T11:10:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/pera-board-retains-aon-as-investment-consultant/</loc>
    <lastmod>2025-11-21T10:28:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/irs-releases-2026-tax-brackets-contribution-limits-other-tax-updates/</loc>
    <lastmod>2025-11-20T13:02:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pci65-resource-page/</loc>
    <lastmod>2025-11-18T14:06:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-are-public-pensions-doing/</loc>
    <lastmod>2025-11-11T13:25:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-drugmaker-suing-colorado-over-price-cap/</loc>
    <lastmod>2025-11-11T11:40:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer-manual/</loc>
    <lastmod>2025-11-07T15:05:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/providing-retirement-security-for-colorado/</loc>
    <lastmod>2025-10-28T16:27:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-the-importance-of-national-retirement-security-month/</loc>
    <lastmod>2025-10-29T10:10:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-law/</loc>
    <lastmod>2025-10-20T13:19:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-rules-2025/</loc>
    <lastmod>2025-10-17T10:00:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meet-trina-ruhland-vice-chair-of-the-pera-board/</loc>
    <lastmod>2025-10-14T15:36:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-colorado-sets-first-price-cap-on-prescription-drug/</loc>
    <lastmod>2025-10-14T15:34:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/cheryl-pattelli/</loc>
    <lastmod>2025-10-07T15:41:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pre-retirement-planning-workshop-2/</loc>
    <lastmod>2025-10-06T12:18:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-private-equity-helps-us-secure-your-retirement/</loc>
    <lastmod>2025-10-01T09:13:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-new-report-ranks-colorado-on-financial-literacy/</loc>
    <lastmod>2025-10-01T09:10:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-private-equity-helps-us-secure-public-employee-retirement/</loc>
    <lastmod>2025-10-07T10:36:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/recapping-the-pera-boards-2025-planning-session/</loc>
    <lastmod>2025-09-30T15:12:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/newsletters/peracare-insights-october-2025/</loc>
    <lastmod>2025-11-21T07:55:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/coverage-for-covid-19-vaccines/</loc>
    <lastmod>2025-10-01T14:51:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-2026-combination-enrollment-form/</loc>
    <lastmod>2026-02-04T08:27:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-2026-medicare-enrollment-form/</loc>
    <lastmod>2026-02-04T08:24:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-2026-premedicare-enrollment-form/</loc>
    <lastmod>2026-02-04T08:25:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-2026-medicare-booklet/</loc>
    <lastmod>2025-09-30T13:39:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-2026-combination-booklet/</loc>
    <lastmod>2025-09-30T13:39:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-2026-premedicare-booklet/</loc>
    <lastmod>2025-09-30T13:38:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-providers-are-in-network-what-drugs-are-covered-by-the-health-plans/</loc>
    <lastmod>2025-09-30T13:00:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/if-i-leave-peracare-can-i-reenroll-in-the-future/</loc>
    <lastmod>2025-09-30T13:14:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-other-options-are-there/</loc>
    <lastmod>2025-09-30T13:13:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/why-did-health-care-premiums-go-up-so-much/</loc>
    <lastmod>2025-09-30T12:53:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-do-i-need-to-do-if-i-am-turning-65-in-2026/</loc>
    <lastmod>2025-09-30T13:10:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/do-i-need-to-complete-an-enrollment-form-during-open-enrollment/</loc>
    <lastmod>2025-09-30T13:10:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/did-you-know-peracare-by-the-numbers/</loc>
    <lastmod>2025-10-06T11:05:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/understanding-roles-and-responsibilities-within-peracare/</loc>
    <lastmod>2025-10-01T13:18:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-does-peracare-compare-to-other-options/</loc>
    <lastmod>2025-10-01T13:46:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/frequently-asked-questions-about-peracare/</loc>
    <lastmod>2025-10-02T11:42:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/its-time-for-open-enrollment/</loc>
    <lastmod>2025-10-01T15:03:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/newsletters/inactive-member-newsletter-fall-2025/</loc>
    <lastmod>2025-09-19T15:35:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/newsletters/member-report-fall-2025/</loc>
    <lastmod>2025-10-01T14:31:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-outperforms-peers/</loc>
    <lastmod>2025-09-19T11:37:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/invest-in-your-future/</loc>
    <lastmod>2025-09-19T11:18:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/report-finds-colorado-pera-outperforms-peers-on-service-delivery-cost/</loc>
    <lastmod>2025-09-18T10:54:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-performance-summary/</loc>
    <lastmod>2026-02-13T16:18:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-fund-summaries/</loc>
    <lastmod>2026-02-13T16:19:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-2070-fund/</loc>
    <lastmod>2026-02-17T08:23:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-2065-fund/</loc>
    <lastmod>2026-02-17T08:22:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-2060-fund/</loc>
    <lastmod>2026-02-17T08:21:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-2055-fund/</loc>
    <lastmod>2026-02-17T08:13:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-2050-fund/</loc>
    <lastmod>2026-02-17T08:20:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-2045-fund/</loc>
    <lastmod>2026-02-17T08:19:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-2040-fund/</loc>
    <lastmod>2026-02-17T08:18:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-2035-fund/</loc>
    <lastmod>2026-02-17T08:17:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-2030-fund/</loc>
    <lastmod>2026-02-17T08:17:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-us-large-cap-stock-fund/</loc>
    <lastmod>2026-02-17T08:24:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-us-small-and-mid-cap-stock-fund/</loc>
    <lastmod>2026-02-17T08:26:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-international-stock-fund/</loc>
    <lastmod>2026-02-17T08:46:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-socially-responsible-investment-fund/</loc>
    <lastmod>2026-02-17T08:48:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-real-return-fund/</loc>
    <lastmod>2026-02-17T08:50:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-fixed-income-fund/</loc>
    <lastmod>2026-02-17T08:53:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-capital-preservation-fund/</loc>
    <lastmod>2026-02-17T08:12:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-income-fund/</loc>
    <lastmod>2026-02-17T08:54:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/do-employees-change-jobs-more-than-they-used-to/</loc>
    <lastmod>2025-09-17T09:04:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-americans-more-optimistic-about-retirement-survey-finds/</loc>
    <lastmod>2025-09-17T08:32:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/is-purchasing-service-credit-right-for-you/</loc>
    <lastmod>2025-09-23T15:31:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/social-security-and-your-pera-benefit/</loc>
    <lastmod>2025-09-16T15:11:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/newsletters/topics-september-2025/</loc>
    <lastmod>2025-09-15T11:25:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/view-gasb-financial-reports-on-stars/</loc>
    <lastmod>2025-09-10T19:57:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/rate-changes/</loc>
    <lastmod>2025-09-16T08:26:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/declaring-a-critical-shortage/</loc>
    <lastmod>2025-09-15T11:18:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/exciting-changes-coming-to-the-employer-stars-portal-this-november/</loc>
    <lastmod>2025-09-10T19:56:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-receives-clean-audit-at-legislative-audit-committee-hearing-2025/</loc>
    <lastmod>2025-09-03T09:07:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-the-results-of-the-colorado-legislatures-special-session/</loc>
    <lastmod>2025-09-03T09:15:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-peras-in-house-investment-experts-reduce-costs-add-value/</loc>
    <lastmod>2025-08-19T15:22:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/study-confirms-pera-a-valuable-tool-for-recruiting-retaining-public-workers/</loc>
    <lastmod>2025-08-19T15:23:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-colorado-releases-10-year-plan-on-aging/</loc>
    <lastmod>2025-08-19T15:06:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/life-and-job-changes/inactive-members/</loc>
    <lastmod>2026-03-27T09:59:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/independent-report-finds-colorado-pera-continues-to-offer-cost-effective-retirement-benefits-for-public-employees/</loc>
    <lastmod>2025-09-24T15:40:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/defined-benefit-plan-refund-by-direct-deposit/</loc>
    <lastmod>2025-08-06T09:44:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-colorado-facing-additional-1b-in-budget-cuts/</loc>
    <lastmod>2025-08-06T11:17:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-the-one-big-beautiful-bill-act-means-for-retiree-health-care/</loc>
    <lastmod>2025-08-12T15:12:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/study-public-pensions-provide-economic-benefits-for-all/</loc>
    <lastmod>2025-08-05T16:25:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/newsletters/retiree-report-august-2025/</loc>
    <lastmod>2025-07-31T11:00:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/town-hall/</loc>
    <lastmod>2025-07-30T10:48:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/upcoming-open-enrollment-for-peracare/</loc>
    <lastmod>2025-09-23T15:33:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-pera-invests-in-your-future/</loc>
    <lastmod>2025-09-23T15:32:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-releases-2024-annual-report/</loc>
    <lastmod>2025-09-23T15:38:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/strength-in-change-deduction-update/</loc>
    <lastmod>2025-09-23T15:41:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-adopts-new-strategic-plan/</loc>
    <lastmod>2025-09-23T15:38:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/reminders-if-you-plan-to-work-after-retirement/</loc>
    <lastmod>2025-09-23T15:40:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/features-of-your-online-pera-account/</loc>
    <lastmod>2025-09-23T15:34:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/updates-on-the-social-security-fairness-act/</loc>
    <lastmod>2025-09-23T15:35:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/new-pera-related-legislation-2025/</loc>
    <lastmod>2025-09-23T15:37:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/why-switch-to-direct-deposit/</loc>
    <lastmod>2025-12-09T12:06:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/jesse-bertoli/</loc>
    <lastmod>2025-07-29T09:13:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/robin-maniglia/</loc>
    <lastmod>2025-07-29T10:55:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/governance-manual/</loc>
    <lastmod>2025-11-14T09:28:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/a-closer-look-at-peras-2024-annual-report/</loc>
    <lastmod>2025-07-22T11:04:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-how-the-new-6k-deduction-for-seniors-works/</loc>
    <lastmod>2025-07-22T11:02:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member-stories/</loc>
    <lastmod>2025-07-18T13:28:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/andrew-schremp/</loc>
    <lastmod>2025-10-09T09:28:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/news/newsletters/peracare-insights/</loc>
    <lastmod>2026-02-10T12:47:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-whats-included-in-the-federal-spending-bill/</loc>
    <lastmod>2025-07-09T08:23:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-releases-annual-report-announces-election-results-at-june-2025-meeting/</loc>
    <lastmod>2025-07-09T07:22:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-executives-give-updates-take-questions-at-2025-town-halls/</loc>
    <lastmod>2025-07-09T08:51:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/cynthia-loh/</loc>
    <lastmod>2025-09-03T09:26:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/tina-mueh/</loc>
    <lastmod>2026-01-16T14:43:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/tonya-j-thompson/</loc>
    <lastmod>2026-03-19T14:33:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/maruti-d-more/</loc>
    <lastmod>2025-09-08T08:31:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-makes-pera-unique/</loc>
    <lastmod>2025-07-01T16:31:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/pera-board-announces-results-of-2025-trustee-elections-new-vice-chair-elected/</loc>
    <lastmod>2025-06-27T16:11:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-releases-2024-annual-report-investment-stewardship-report/</loc>
    <lastmod>2025-07-30T10:48:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2024-popular-annual-financial-report/</loc>
    <lastmod>2025-06-27T15:04:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2023-annual-report/</loc>
    <lastmod>2025-06-27T15:03:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/newsletters/topics-june-2025/</loc>
    <lastmod>2025-06-25T14:15:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/ssn-verification-tool-overview/</loc>
    <lastmod>2025-12-23T10:28:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/final-salary-report-training-video/</loc>
    <lastmod>2025-06-25T14:16:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/update-for-substitute-waret-critical-shortage/</loc>
    <lastmod>2025-06-26T11:22:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-social-security-medicare-finances-worsen/</loc>
    <lastmod>2025-08-28T15:32:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-colorado-pera-invests-for-long-term-retirement-security/</loc>
    <lastmod>2025-06-26T13:54:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/newsletters/peracare-insights-july-2025/</loc>
    <lastmod>2025-07-09T15:00:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-does-pera-select-the-peracare-carriers/</loc>
    <lastmod>2025-06-27T09:10:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-to-expect-for-peracare-in-2026/</loc>
    <lastmod>2025-06-27T08:09:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/introducing-the-peracare-insights-newsletter/</loc>
    <lastmod>2025-06-26T10:14:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/stars-guide/</loc>
    <lastmod>2025-11-07T16:14:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/nmw-participant-guide/</loc>
    <lastmod>2025-12-05T08:55:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/save-the-date-2025-town-halls-set-for-july-1/</loc>
    <lastmod>2025-06-11T08:35:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-pera-could-benefit-from-public-safety-law/</loc>
    <lastmod>2025-06-10T16:16:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-board-to-elect-vice-chair/</loc>
    <lastmod>2025-10-27T12:57:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/nmw-resource-page/</loc>
    <lastmod>2025-10-15T10:42:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/denver-hosts-national-conference-for-public-pension-professionals/</loc>
    <lastmod>2025-07-02T01:13:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-colorado-is-getting-older-faster/</loc>
    <lastmod>2025-05-28T08:48:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/cccs-403b-faqs/</loc>
    <lastmod>2025-05-22T15:01:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/limited-power-of-attorney/</loc>
    <lastmod>2025-05-22T14:30:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/cccs-403b-plan-changes-faq/</loc>
    <lastmod>2025-05-22T12:29:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/cccs-voluntary-plan-changes-and-enhancements-participants-recording/</loc>
    <lastmod>2025-05-22T12:27:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/troubleshooting-zoom-sessions/</loc>
    <lastmod>2025-05-27T14:36:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/board-election-services-rfp/</loc>
    <lastmod>2025-06-27T09:40:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/working-after-retirement-webinar-resources/</loc>
    <lastmod>2025-05-22T14:34:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-celebrates-top-workplaces-2025-honor/</loc>
    <lastmod>2025-05-22T09:35:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-legislature-passes-four-pera-related-bills-in-2025-session/</loc>
    <lastmod>2025-06-10T16:21:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-financial-literacy-bill-passes-colorado-legislature/</loc>
    <lastmod>2025-05-13T16:23:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-process-webinar/</loc>
    <lastmod>2026-02-23T11:54:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/benefit-basics/highest-average-salary-tables/</loc>
    <lastmod>2026-02-20T10:47:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/defined-benefit-pension-plan-funding-policy/</loc>
    <lastmod>2025-05-09T13:53:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/defined-benefit-opeb-plan-funding-policy/</loc>
    <lastmod>2025-05-01T12:35:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/statement-of-investment-policy-cap/</loc>
    <lastmod>2025-05-01T12:33:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-adds-mobile-app-voting-for-2025-board-elections/</loc>
    <lastmod>2025-05-01T07:57:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-westerra-fraud-prevention-workshop-resources/</loc>
    <lastmod>2025-08-28T14:40:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/upcoming-board-election-f1d6596/</loc>
    <lastmod>2026-02-04T10:28:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/board-election-2025/</loc>
    <lastmod>2025-08-28T14:45:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-colo-governor-signs-44-billion-budget/</loc>
    <lastmod>2025-06-18T10:30:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/honoring-pera-members-who-are-making-a-difference/</loc>
    <lastmod>2025-04-29T16:23:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/additional-retirement-income-webinars/</loc>
    <lastmod>2025-08-28T14:54:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/health-benefit-information-webinars/</loc>
    <lastmod>2025-05-27T09:24:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-planning-webinars/</loc>
    <lastmod>2026-02-12T09:58:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/webinar-guide-additional-topics/</loc>
    <lastmod>2025-09-02T11:15:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/webinar-guide-new-members-with-the-option-to-choose-plans/</loc>
    <lastmod>2025-09-29T09:07:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/webinar-guide-new-members-in-the-pera-defined-benefit-plan/</loc>
    <lastmod>2025-09-29T13:47:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/webinar-guide-new-to-pera/</loc>
    <lastmod>2025-09-02T11:44:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/webinars/</loc>
    <lastmod>2025-10-30T10:15:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/webinars/webinar-library/</loc>
    <lastmod>2025-11-05T15:03:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/taylor-mclemore-reappointed-to-pera-board-of-trustees/</loc>
    <lastmod>2025-09-02T11:57:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/roth-update-for-cap-plans/</loc>
    <lastmod>2025-09-15T11:24:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/working-after-retirement-rule-updates/</loc>
    <lastmod>2025-09-02T12:04:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/changes-to-pera-rules-2/</loc>
    <lastmod>2025-04-23T11:52:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/social-security-form-update/</loc>
    <lastmod>2025-09-02T12:15:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-and-westerra-credit-union-team-up-on-financial-fraud/</loc>
    <lastmod>2025-09-02T12:20:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/final-salary-report-reminders/</loc>
    <lastmod>2025-09-02T12:28:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/terminations-common-misconceptions/</loc>
    <lastmod>2025-09-02T13:21:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-voluntary-life-insurance-open-enrollment-april-1-may-31/</loc>
    <lastmod>2026-03-20T13:58:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/the-value-of-a-long-term-strategy-in-uncertain-markets/</loc>
    <lastmod>2025-06-09T14:17:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-congress-extends-telehealth-rules-for-medicare/</loc>
    <lastmod>2025-06-18T10:33:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/ims-resource-page/</loc>
    <lastmod>2025-04-15T11:31:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/ims-participant-guide/</loc>
    <lastmod>2025-04-15T11:30:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/epp-resource-page/</loc>
    <lastmod>2025-04-15T11:29:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/epp-participant-guide/</loc>
    <lastmod>2025-04-15T11:27:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/dsp-resource-page/</loc>
    <lastmod>2025-04-15T11:26:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/dsp-participant-guide/</loc>
    <lastmod>2025-04-15T11:24:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pci64-resource-page/</loc>
    <lastmod>2025-04-15T11:21:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/prp-resource-page/</loc>
    <lastmod>2025-04-15T11:15:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/prp-participant-guide/</loc>
    <lastmod>2025-04-23T09:23:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/psc-resource-page/</loc>
    <lastmod>2025-04-15T11:11:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/dcoe-resource-page/</loc>
    <lastmod>2025-04-15T11:09:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/rpm-resource-page/</loc>
    <lastmod>2025-04-15T11:08:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/bim-resource-page/</loc>
    <lastmod>2025-04-15T11:06:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/investment-consultant-rfp/</loc>
    <lastmod>2025-09-02T13:49:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment-consultant-rfp/</loc>
    <lastmod>2025-04-14T09:17:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/life-insurance-beneficiary-form-disability-waiver-of-premium-policies/</loc>
    <lastmod>2025-04-07T14:58:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/unitization-leveraging-peras-investment-expertise-to-benefit-our-participants/</loc>
    <lastmod>2025-06-09T14:24:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-state-lawmakers-introduce-43-9b-budget-proposal/</loc>
    <lastmod>2025-06-09T14:26:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/</loc>
    <lastmod>2026-02-18T14:22:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/life-and-job-changes/life-insurance/</loc>
    <lastmod>2026-02-20T11:17:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-adopts-new-strategic-plan-at-march-2025-meeting/</loc>
    <lastmod>2025-06-09T14:30:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/comparing-unitedhealthcare-other-medicare-advantage-carriers/</loc>
    <lastmod>2025-03-18T16:10:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-latest-forecasts-add-uncertainty-to-state-budget/</loc>
    <lastmod>2025-06-09T14:34:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-rules-2022/</loc>
    <lastmod>2025-03-17T16:55:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/pera-adopts-new-rules-effective-in-2025/</loc>
    <lastmod>2025-09-02T14:06:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/pera-board-adopts-new-three-year-strategic-plan/</loc>
    <lastmod>2025-09-02T14:10:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/board-and-leadership/board-meetings/</loc>
    <lastmod>2026-03-20T15:26:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/board-and-leadership/board-meeting-archive/</loc>
    <lastmod>2026-03-27T12:41:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-will-irs-staff-reductions-affect-tax-filing-season/</loc>
    <lastmod>2025-09-25T09:54:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-supports-bill-that-codifies-board-practices-enhances-transparency/</loc>
    <lastmod>2025-03-04T15:57:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/</loc>
    <lastmod>2026-03-30T10:57:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/rule-changes-webinar-resources/</loc>
    <lastmod>2025-09-02T14:28:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/social-security-administration-expediting-benefit-processing-for-those-affected-by-wep-gpo/</loc>
    <lastmod>2025-02-27T13:11:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-bill-would-require-financial-literacy-course-for-colorado-students/</loc>
    <lastmod>2025-06-10T11:34:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/checking-in-on-the-2025-legislative-session-so-far/</loc>
    <lastmod>2025-06-10T11:36:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/employer-resources/secure-2-0-act-resources-for-employers/</loc>
    <lastmod>2025-11-20T14:03:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/your-online-pera-account-convenient-and-secure/</loc>
    <lastmod>2025-09-02T14:43:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/build-connection-skills-and-purpose-through-volunteering/</loc>
    <lastmod>2025-09-02T14:49:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/preparing-for-your-65th-birthday/</loc>
    <lastmod>2025-09-02T14:59:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-completes-experience-study-revises-actuarial-assumptions/</loc>
    <lastmod>2025-09-02T15:03:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/changes-to-pera-rules/</loc>
    <lastmod>2025-02-11T09:36:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-trump-moves-to-establish-u-s-sovereign-wealth-fund/</loc>
    <lastmod>2025-06-10T11:46:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/social-security-fairness-act-rollout-could-take-a-year-or-more/</loc>
    <lastmod>2025-06-10T11:48:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-director-of-insurance-jessica-linart-elected-vice-president-of-public-sector-healthcare-roundtable/</loc>
    <lastmod>2026-03-17T07:14:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/secure-act-2-0-webinar-resources/</loc>
    <lastmod>2025-09-04T07:51:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-overview-dc-plan/</loc>
    <lastmod>2026-03-04T15:56:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retiree-survey/</loc>
    <lastmod>2025-01-29T11:56:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/social-security-fairness-act-wep-gpo-faqs/</loc>
    <lastmod>2025-09-04T08:00:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/does-repeal-mean-i-have-to-start-contributing-to-social-security/</loc>
    <lastmod>2025-05-16T10:13:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/im-already-retired-can-i-change-my-benefit-option-now-that-wep-gpo-are-repealed/</loc>
    <lastmod>2025-01-23T14:45:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/is-my-pera-benefit-changing/</loc>
    <lastmod>2025-01-23T14:44:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/is-the-wep-gpo-repeal-retroactive/</loc>
    <lastmod>2025-02-26T12:34:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/when-will-my-social-security-benefit-be-recalculated/</loc>
    <lastmod>2025-02-26T12:37:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-the-social-security-fairness-act/</loc>
    <lastmod>2025-05-16T10:15:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/recap-of-pera-boards-january-2025-meeting/</loc>
    <lastmod>2025-06-10T11:54:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/actuarial-experience-study-refining-the-financial-view-of-the-future/</loc>
    <lastmod>2025-06-10T11:56:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-what-a-new-administration-congress-mean-for-older-americans/</loc>
    <lastmod>2025-06-10T11:59:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/pera-board-adopts-updated-actuarial-assumptions-following-experience-study/</loc>
    <lastmod>2026-03-17T07:14:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-earns-certificate-of-achievement-for-annual-financial-report/</loc>
    <lastmod>2026-03-17T07:13:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2025-proposed-pera-related-legislation-status/</loc>
    <lastmod>2025-06-04T08:49:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/2025-pera-board-of-trustees-meeting-dates/</loc>
    <lastmod>2026-03-17T07:13:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-to-expect-from-the-2025-legislative-session/</loc>
    <lastmod>2025-06-16T16:30:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-the-2024-stock-market-by-the-numbers/</loc>
    <lastmod>2025-06-10T12:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/president-biden-signs-wep-gpo-repeal-bill-into-law/</loc>
    <lastmod>2025-06-10T12:06:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-responds-to-president-biden-signing-social-security-fairness-act/</loc>
    <lastmod>2026-03-17T07:12:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/candidacy-open-for-five-seats-on-pera-board-of-trustees/</loc>
    <lastmod>2026-03-17T07:12:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/keep-your-information-secure-this-tax-season-january-2025/</loc>
    <lastmod>2025-09-02T14:54:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/accessing-disability-coverage-through-pera-january-2025/</loc>
    <lastmod>2025-09-04T08:35:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/dont-miss-open-enrollment-for-pera-life-insurance-january-2025/</loc>
    <lastmod>2025-09-04T08:41:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/give-your-retirement-savings-a-boost-with-peraplus-january-2025/</loc>
    <lastmod>2025-09-04T08:46:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-expands-executive-leadership-team-january-2025/</loc>
    <lastmod>2025-09-04T08:51:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-board-approves-increase-in-operating-budget-to-fund-technology-upgrades-january-2025/</loc>
    <lastmod>2025-09-04T08:55:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/stay-informed-on-2025-legislation-affecting-pera/</loc>
    <lastmod>2025-09-04T08:59:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/rulemaking-january-2025/</loc>
    <lastmod>2025-09-04T09:06:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/congress-passes-social-security-fairness-act-january-2025/</loc>
    <lastmod>2025-09-04T09:11:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-changes/</loc>
    <lastmod>2025-09-04T09:17:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-responds-to-senate-passing-social-security-fairness-act/</loc>
    <lastmod>2025-12-16T15:25:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-how-will-colorados-economy-fare-in-2025/</loc>
    <lastmod>2025-06-10T12:10:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/year-in-review-our-top-articles-of-2024/</loc>
    <lastmod>2025-06-10T12:12:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meet-the-new-vice-chair-of-the-pera-board/</loc>
    <lastmod>2025-09-23T10:35:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2025-tax-data-submission/</loc>
    <lastmod>2026-03-30T15:42:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2025-holidays/</loc>
    <lastmod>2025-09-04T09:36:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/changes-to-the-retirement-process-revised-final-salary-report/</loc>
    <lastmod>2025-09-04T09:39:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2025-irs-limits/</loc>
    <lastmod>2025-09-04T09:41:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/accrued-leave-payouts-and-pera-includable-salary-2/</loc>
    <lastmod>2025-09-04T09:46:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/secure-2-0-changes-to-401k-and-457-catch-up-contributions-and-roth-option-requirement-2/</loc>
    <lastmod>2025-04-21T15:44:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/rulemaking/</loc>
    <lastmod>2025-09-04T09:53:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-is-pursuing-rulemaking-to-be-effective-2025/</loc>
    <lastmod>2025-12-16T15:28:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-fire-police-pension-association-of-colorado-send-joint-letter-in-support-of-social-security-fairness-act/</loc>
    <lastmod>2025-12-16T15:29:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/annual-increases/</loc>
    <lastmod>2024-12-04T12:43:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-wep-gpo-bills-fate-uncertain-in-final-days-of-congress/</loc>
    <lastmod>2025-06-10T12:16:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meet-the-new-chair-of-the-pera-board/</loc>
    <lastmod>2025-06-10T12:18:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/health-care-tax-forms-2/</loc>
    <lastmod>2026-02-03T13:48:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/taxes-and-pera-benefits-2/</loc>
    <lastmod>2025-12-09T16:02:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/taxes-and-public-safety-officers-2/</loc>
    <lastmod>2025-12-10T10:09:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-you-need-to-know-about-rmds-2/</loc>
    <lastmod>2025-09-04T10:20:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-id-card-reminders-2/</loc>
    <lastmod>2025-09-04T10:24:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/ryan-ericson/</loc>
    <lastmod>2025-03-19T09:00:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-to-read-your-1099-r-2/</loc>
    <lastmod>2025-12-11T14:51:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/upcoming-dates-to-remember-2/</loc>
    <lastmod>2025-12-09T16:00:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/direct-deposit-available-for-your-pera-check-2/</loc>
    <lastmod>2025-12-16T08:38:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/log-in-for-earlier-access-to-tax-information-2/</loc>
    <lastmod>2025-12-12T14:10:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-fed-charting-uncertain-course-with-interest-rates/</loc>
    <lastmod>2025-06-11T11:39:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-approves-budget-member-interest-rate-and-more-at-november-2024-meeting/</loc>
    <lastmod>2025-06-11T11:42:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/pera-board-elects-new-chair-vice-chair/</loc>
    <lastmod>2025-12-19T14:05:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-board-approves-increase-in-operating-budget-to-fund-technology-upgrades/</loc>
    <lastmod>2025-12-19T14:06:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/u-s-house-passes-wep-gpo-repeal-bill-heads-to-senate/</loc>
    <lastmod>2025-08-12T10:12:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-what-a-second-trump-presidency-could-mean-for-your-finances/</loc>
    <lastmod>2025-06-11T11:43:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/survey-finds-strong-support-for-public-pensions/</loc>
    <lastmod>2024-11-06T10:05:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/updated-tax-brackets-contribution-limits-and-more-to-know-for-2025/</loc>
    <lastmod>2025-10-21T14:58:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/privacy-and-security-notice/</loc>
    <lastmod>2025-09-04T11:00:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-cio-coo-amy-c-mcgarrity-named-to-sec-advisory-committee/</loc>
    <lastmod>2024-10-23T08:15:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-irs-releases-tax-adjustments-for-2025/</loc>
    <lastmod>2025-06-11T12:14:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/substitute-teacher-vendor-update-and-appreciation/</loc>
    <lastmod>2025-09-04T11:09:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2025-pera-contribution-rates-automatic-adjustment-provision/</loc>
    <lastmod>2025-09-04T11:12:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2025-pera-contribution-rates-defined-contribution-dc-supplement/</loc>
    <lastmod>2025-09-04T11:17:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/secure-2-0-changes-to-401k-and-457-catch-up-contributions-and-roth-option-requirement/</loc>
    <lastmod>2025-09-04T09:50:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/reminder-contribution-reporting-for-retired-employees/</loc>
    <lastmod>2025-09-04T11:23:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/changes-to-stars-user-maintenance/</loc>
    <lastmod>2025-09-04T11:28:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peras-proxy-voting-policy-receives-an-update/</loc>
    <lastmod>2025-06-11T12:16:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/state-lawmakers-pursuing-two-pera-related-bills-in-2025/</loc>
    <lastmod>2025-06-11T12:17:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-how-the-pandemic-affected-retirement-planning/</loc>
    <lastmod>2025-06-11T12:18:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-adopts-new-strategic-asset-allocation-member-report/</loc>
    <lastmod>2025-09-04T11:38:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/new-pera-related-legislation-member-report/</loc>
    <lastmod>2024-10-08T09:59:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/social-security-and-you-what-to-know-as-a-pera-member/</loc>
    <lastmod>2025-10-27T13:11:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/is-it-pera-calling/</loc>
    <lastmod>2025-09-04T11:45:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/take-charge-of-your-pera-benefits-join-a-webinar/</loc>
    <lastmod>2025-09-04T11:56:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/q-and-a-with-peras-new-ceo-executive-director-member-report/</loc>
    <lastmod>2025-09-04T12:01:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/boost-your-retirement-savings-with-peraplus-2/</loc>
    <lastmod>2024-10-08T09:31:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2023-cem-results/</loc>
    <lastmod>2025-06-11T13:26:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-releases-2024-investment-stewardship-report/</loc>
    <lastmod>2025-09-04T12:09:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-election-results-member-report/</loc>
    <lastmod>2024-10-08T09:28:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/interested-in-becoming-a-pera-trustee/</loc>
    <lastmod>2025-02-05T14:34:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/rulemaking-member-report/</loc>
    <lastmod>2024-10-16T12:51:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/we-want-to-hear-your-story/</loc>
    <lastmod>2025-09-04T12:27:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-2025-premedicare-guide/</loc>
    <lastmod>2024-10-02T14:37:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-2025-medicare-guide/</loc>
    <lastmod>2024-10-04T14:35:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-2025-combination-guide/</loc>
    <lastmod>2024-10-02T14:25:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-responds-to-pension-oversight-committees/</loc>
    <lastmod>2025-12-19T14:07:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/pera-board-adopts-new-strategic-asset-allocation-following-asset-liability-study/</loc>
    <lastmod>2025-12-19T14:10:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-discusses-strategic-plan-investment-strategy-and-more-at-2024-planning-session/</loc>
    <lastmod>2025-06-11T13:28:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-adopts-new-strategic-asset-allocation-following-study/</loc>
    <lastmod>2025-06-17T08:21:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-what-lower-interest-rates-mean-for-your-finances/</loc>
    <lastmod>2025-06-11T13:32:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-law-2024/</loc>
    <lastmod>2025-10-20T13:18:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/54334/</loc>
    <lastmod>2024-09-16T13:03:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/why-the-state-is-commissioning-a-study-on-peras-plan-design/</loc>
    <lastmod>2025-10-24T12:38:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-lawmakers-push-for-floor-vote-on-wep-gpo-bill/</loc>
    <lastmod>2025-06-11T13:35:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/board-of-trustees-executive-committee-september-12-2024-meeting-agenda/</loc>
    <lastmod>2025-09-04T13:43:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/dont-lose-track-of-your-pera-retirement-income/</loc>
    <lastmod>2026-03-19T08:56:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-to-expect-for-medicare-advantage-in-2025-blog/</loc>
    <lastmod>2025-06-11T13:36:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-income-inequality-rises-with-decrease-in-pension-access-study-finds/</loc>
    <lastmod>2025-06-11T13:46:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-on-the-go/</loc>
    <lastmod>2025-09-23T13:52:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-law-2022/</loc>
    <lastmod>2025-10-20T12:54:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/rfi-for-investment-consulting-services/</loc>
    <lastmod>2026-01-29T08:57:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-medicare-wraps-up-drug-price-negotiations/</loc>
    <lastmod>2025-06-11T13:48:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment-stewardship-report-highlights-how-pera-manages-plan-assets/</loc>
    <lastmod>2025-06-11T13:50:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-receives-results-of-2023-financial-audit/</loc>
    <lastmod>2025-06-11T13:51:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/support-your-passion-and-volunteer/</loc>
    <lastmod>2025-09-04T14:28:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/working-after-retirement-overview/</loc>
    <lastmod>2025-09-04T14:33:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/working-after-retirement-substitute-teachers/</loc>
    <lastmod>2025-09-04T14:40:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/new-pera-related-legislation/</loc>
    <lastmod>2024-08-13T13:47:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/five-benefits-of-direct-deposit/</loc>
    <lastmod>2025-09-04T14:49:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-election-results/</loc>
    <lastmod>2024-08-13T12:44:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/qa-with-peras-new-executive-director/</loc>
    <lastmod>2025-10-23T14:58:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/access-your-retiree-annual-statement-online/</loc>
    <lastmod>2025-09-04T14:55:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/preparing-for-health-care-costs/</loc>
    <lastmod>2025-09-04T14:58:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-to-expect-for-medicare-advantage-in-2025/</loc>
    <lastmod>2025-09-04T15:00:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-open-enrollment-begins-october-21/</loc>
    <lastmod>2025-09-04T15:05:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/the-latest-on-federal-wep-gpo-legislation/</loc>
    <lastmod>2025-08-12T10:13:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-u-s-releases-federal-framework-on-aging/</loc>
    <lastmod>2025-06-11T13:53:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/annual-increases-for-benefit-recipients/</loc>
    <lastmod>2024-07-24T22:04:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/scott-simon/</loc>
    <lastmod>2025-03-20T08:43:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/lisa-landis/</loc>
    <lastmod>2024-08-26T15:21:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-account-address-change-form/</loc>
    <lastmod>2024-07-11T14:53:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-you-should-know-dozens-of-drugs-to-be-discounted-under-medicare/</loc>
    <lastmod>2025-06-11T13:57:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/ceo-andrew-roth-executives-answer-questions-in-pera-town-halls/</loc>
    <lastmod>2025-06-11T13:59:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/measuring-the-impact-of-4-5b-in-annual-retirement-benefits-in-colorado/</loc>
    <lastmod>2025-06-11T14:03:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/local-government-webinars/</loc>
    <lastmod>2025-12-10T15:16:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/statement-on-divestment/</loc>
    <lastmod>2024-07-03T12:15:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/kevin-gallaway/</loc>
    <lastmod>2025-03-19T08:54:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/sarah-wager/</loc>
    <lastmod>2025-03-19T09:01:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pacey-infographic/</loc>
    <lastmod>2024-06-27T11:50:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-releases-2023-annual-report/</loc>
    <lastmod>2025-06-11T14:05:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pre-retirement-planning-workshop-resources/</loc>
    <lastmod>2026-02-23T11:46:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pacey-report-2024/</loc>
    <lastmod>2024-07-03T08:11:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/snapshot/</loc>
    <lastmod>2025-06-27T15:14:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2023-popular-annual-financial-report/</loc>
    <lastmod>2024-07-02T19:39:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/pera-releases-2023-annual-report-investment-stewardship-report/</loc>
    <lastmod>2025-12-19T14:11:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-announces-results-of-2024-board-of-trustees-election/</loc>
    <lastmod>2025-12-19T14:11:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/board-of-trustees-friday-june-21-2024-meeting-agenda/</loc>
    <lastmod>2025-09-04T15:28:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/financial-reporting-recognized-for-excellence/</loc>
    <lastmod>2025-09-09T08:10:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/recordkeeper-services-rfp-questions-and-answers/</loc>
    <lastmod>2025-09-09T08:14:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/amy-mcgarrity-chief-investment-officer-honored-as-one-of-allocator-intels-top-50-women-in-investment-management/</loc>
    <lastmod>2025-10-23T12:13:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-selects-empower-as-defined-contribution-plan-recordkeeper/</loc>
    <lastmod>2025-09-09T08:16:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-includable-salary-changes-information-for-employers/</loc>
    <lastmod>2025-09-09T08:19:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-public-employees-retirement-association-colorado-pera-technology-accessibility-statement/</loc>
    <lastmod>2025-11-04T10:40:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/current-job-postings/</loc>
    <lastmod>2024-06-12T10:51:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/access-your-peraplus-401-k-457-account-online/</loc>
    <lastmod>2024-06-27T10:51:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/proxy-vote-disclosure/</loc>
    <lastmod>2024-06-12T10:50:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member-login-registration/</loc>
    <lastmod>2024-06-12T10:49:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/access-my-pera-account/</loc>
    <lastmod>2024-06-12T10:49:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/vendor-login/</loc>
    <lastmod>2024-06-12T10:48:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer-login/</loc>
    <lastmod>2024-06-12T10:48:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/calculators/</loc>
    <lastmod>2024-06-12T10:48:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/video-center-redirect/</loc>
    <lastmod>2024-06-12T10:48:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/external-manager-portal/</loc>
    <lastmod>2024-06-12T10:47:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-rule-15/</loc>
    <lastmod>2024-11-12T09:05:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2018-annual-report-for-the-peraplus-401-k-457-and-pera-dc-plans/</loc>
    <lastmod>2024-07-02T19:08:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2019-annual-report/</loc>
    <lastmod>2024-07-02T19:18:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2019-annual-report-for-the-peraplus-401-k-457-and-pera-dc-plans/</loc>
    <lastmod>2024-07-02T19:09:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2019-popular-annual-financial-report/</loc>
    <lastmod>2024-07-02T19:13:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2020-annual-report/</loc>
    <lastmod>2024-07-02T19:20:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2020-annual-report-for-the-peraplus-401-k-457-and-pera-dc-plans/</loc>
    <lastmod>2024-07-02T19:11:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2020-popular-annual-financial-report/</loc>
    <lastmod>2024-07-02T19:15:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-automatic-payment-authorization/</loc>
    <lastmod>2025-09-05T15:36:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/authorization-for-strength-in-change-foundation-deduction/</loc>
    <lastmod>2026-02-04T10:28:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/authorization-to-release-financial-information-in-a-divorce/</loc>
    <lastmod>2024-07-02T11:10:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/authorization-to-release-information/</loc>
    <lastmod>2024-07-02T12:21:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/authorization-to-use-and-or-disclose-personal-health-information-phi/</loc>
    <lastmod>2025-03-25T14:48:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/changing-your-cobeneficiary-or-benefit-option/</loc>
    <lastmod>2025-04-16T10:28:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-and-furlough-days-after-june-30-2004/</loc>
    <lastmod>2024-06-12T10:31:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-and-furlough-days-from-july-1-2002-through-june-30-2004/</loc>
    <lastmod>2024-06-12T10:31:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-retirement-eligibility/</loc>
    <lastmod>2024-06-28T09:50:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/critical-shortage-termination-certification/</loc>
    <lastmod>2024-07-02T17:57:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/designation-of-retirees-working-after-retirement-under-the-140-day-916-hour-limit/</loc>
    <lastmod>2024-11-13T13:14:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/financial-institution-certification/</loc>
    <lastmod>2024-07-02T11:15:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/health-care-program-subsidy-and-change-form/</loc>
    <lastmod>2024-07-02T17:48:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-includable-salary-fact-sheet/</loc>
    <lastmod>2024-06-20T14:11:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/intent-to-hire-retirees-working-after-retirement-in-a-critical-shortage-position-for-a-boces/</loc>
    <lastmod>2025-04-11T16:11:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-401-k-plan-participant-information-form/</loc>
    <lastmod>2024-07-02T12:03:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/non-traditional-school-attendance-certification/</loc>
    <lastmod>2024-07-02T12:34:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-dc-plan-beneficiary-designation-form/</loc>
    <lastmod>2024-06-12T10:23:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-dc-plan-participant-information-change-form/</loc>
    <lastmod>2024-07-02T12:18:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-401-k-plan-enrollment-guide/</loc>
    <lastmod>2026-02-25T12:13:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-457-plan-enrollment-guide/</loc>
    <lastmod>2026-02-25T12:14:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-401-k-and-defined-contribution-plan-and-trust-document/</loc>
    <lastmod>2026-02-02T15:11:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/school-attendance-certification/</loc>
    <lastmod>2024-07-02T12:29:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/stars-access-request/</loc>
    <lastmod>2025-07-02T08:34:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/summer-eligibility-certification/</loc>
    <lastmod>2024-07-02T12:32:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-deferred-compensation-plan/</loc>
    <lastmod>2026-02-02T15:12:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/understanding-1099-r-fact-sheet/</loc>
    <lastmod>2026-01-13T13:16:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/using-tax-deferred-funds-to-purchase-service-credit/</loc>
    <lastmod>2025-05-22T09:28:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-accounts-address-change-form/</loc>
    <lastmod>2024-07-02T11:16:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/purchasing-service-credit-booklet/</loc>
    <lastmod>2025-10-31T15:37:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/vimeo-video-library/</loc>
    <lastmod>2024-06-12T14:54:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/life-insurance-termination-of-coverage-form/</loc>
    <lastmod>2024-07-02T11:44:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/life-insurance-enrollment-form/</loc>
    <lastmod>2024-07-02T11:39:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-new-member-webinar/</loc>
    <lastmod>2024-06-12T10:11:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-retirement-choice-webinar/</loc>
    <lastmod>2024-06-12T10:10:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-benefit-information-webinar/</loc>
    <lastmod>2024-06-12T10:10:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-purchasing-service-credit-webinar/</loc>
    <lastmod>2024-06-12T10:09:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-retirement-process-webinar/</loc>
    <lastmod>2024-06-12T10:09:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-health-benefits-webinar-under-65/</loc>
    <lastmod>2024-06-12T10:08:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-health-benefits-webinar-65/</loc>
    <lastmod>2024-06-12T10:08:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-457-plan-participant-information-form/</loc>
    <lastmod>2024-07-02T12:10:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/rural-school-district-critical-shortage-fact-sheet/</loc>
    <lastmod>2026-01-26T13:01:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/congratulations-to-pera-chief-investment-officer-chief-operating-officer-amy-c-mcgarrity-on-being-named-to-the-public-company-accounting-oversight-board-pcaob/</loc>
    <lastmod>2024-06-12T10:06:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/empower-learning-center/</loc>
    <lastmod>2024-06-12T10:03:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-map/</loc>
    <lastmod>2025-01-15T15:54:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pointe-map/</loc>
    <lastmod>2024-07-03T12:12:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/securities-litigation-policy/</loc>
    <lastmod>2024-06-12T10:01:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-membership-by-legislative-district/</loc>
    <lastmod>2024-06-12T10:00:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/economic-and-fiscal-impacts/</loc>
    <lastmod>2024-07-02T19:25:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-economic-and-fiscal-impacts-report/</loc>
    <lastmod>2024-07-04T04:54:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2021-annual-report/</loc>
    <lastmod>2024-07-02T19:21:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-enrolling-in-a-peraplus-workshop/</loc>
    <lastmod>2024-06-12T09:58:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-investing-made-simple-workshop/</loc>
    <lastmod>2024-06-12T09:58:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-developing-a-savings-plan-workshop/</loc>
    <lastmod>2024-06-12T09:57:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2021-popular-annual-financial-report/</loc>
    <lastmod>2024-07-02T19:16:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-1/</loc>
    <lastmod>2024-06-12T09:54:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-2/</loc>
    <lastmod>2024-06-12T09:54:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-3/</loc>
    <lastmod>2024-06-12T09:53:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-4/</loc>
    <lastmod>2024-06-12T09:53:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-5/</loc>
    <lastmod>2024-06-12T09:52:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-6/</loc>
    <lastmod>2024-06-12T09:52:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-7/</loc>
    <lastmod>2024-06-12T09:52:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-8/</loc>
    <lastmod>2024-06-12T09:51:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-9/</loc>
    <lastmod>2024-06-12T09:50:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/dps-1/</loc>
    <lastmod>2024-06-12T09:50:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/dps-2/</loc>
    <lastmod>2024-06-12T09:49:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/dps-3/</loc>
    <lastmod>2024-06-12T09:48:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/dps-4/</loc>
    <lastmod>2024-06-12T09:48:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/safety-officers-1/</loc>
    <lastmod>2024-06-12T09:47:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/safety-officers-2/</loc>
    <lastmod>2024-06-12T09:47:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/safety-officers-3/</loc>
    <lastmod>2024-09-06T12:39:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-401-k-contribution-authorization-form/</loc>
    <lastmod>2024-07-02T11:53:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-benefits-and-divorce/</loc>
    <lastmod>2024-07-02T15:07:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/domestic-relations-order/</loc>
    <lastmod>2024-07-02T11:17:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-2022-actuarial-audit-report-buck/</loc>
    <lastmod>2024-06-28T09:48:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-hmo-formulary/</loc>
    <lastmod>2024-06-12T09:41:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/leaves-and-sabbaticals/</loc>
    <lastmod>2024-12-12T15:40:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/disability-program/</loc>
    <lastmod>2025-05-29T08:22:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/tax-considerations-for-refunds-rollovers/</loc>
    <lastmod>2024-07-02T15:50:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/checklist-to-prepare-for-a-colorado-pera-retirement/</loc>
    <lastmod>2024-07-02T12:58:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/working-during-the-effective-month-of-retirement/</loc>
    <lastmod>2024-07-02T13:08:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/understanding-your-benefit-estimate/</loc>
    <lastmod>2024-07-26T06:56:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/serving-as-a-pera-trustee/</loc>
    <lastmod>2024-12-12T15:41:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/agreement-for-domestic-relations-order/</loc>
    <lastmod>2024-07-02T11:08:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/understanding-your-dps-benefit-estimate/</loc>
    <lastmod>2024-07-26T06:55:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/form-w-4r/</loc>
    <lastmod>2026-01-05T12:06:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/form-w-4p/</loc>
    <lastmod>2026-01-05T13:34:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/designation-of-retirees-working-after-retirement-in-a-critical-shortage-position/</loc>
    <lastmod>2025-04-03T11:01:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/financial-snapshot/</loc>
    <lastmod>2025-06-27T15:08:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/perachoice-booklet/</loc>
    <lastmod>2025-04-11T06:47:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/taxes-on-pera-benefits/</loc>
    <lastmod>2026-01-06T16:50:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-benefit-calculator-sign-in-required/</loc>
    <lastmod>2024-12-20T12:40:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/highest-average-salary-has-tables/</loc>
    <lastmod>2024-06-25T15:23:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/your-pera-benefits/</loc>
    <lastmod>2024-07-02T12:51:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/school-and-dps-divisions-service-credit/</loc>
    <lastmod>2024-07-02T17:35:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/service-credit-purchase-terms-and-conditions/</loc>
    <lastmod>2025-05-23T14:38:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/survivor-benefits-booklet/</loc>
    <lastmod>2024-11-12T08:50:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-stream/</loc>
    <lastmod>2024-06-12T08:55:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/life-insurance-program-highlights/</loc>
    <lastmod>2024-06-28T10:04:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/perachoice-election-and-release-form/</loc>
    <lastmod>2024-06-12T08:54:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/working-after-retirement-booklet/</loc>
    <lastmod>2025-08-06T14:18:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-is-a-top-workplace/</loc>
    <lastmod>2024-06-28T08:41:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/automatic-adjustment-provision/</loc>
    <lastmod>2025-06-27T08:15:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment-stewardship-report-digital-snapshot/</loc>
    <lastmod>2025-06-27T15:12:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/stewardship-snapshot/</loc>
    <lastmod>2025-06-27T15:20:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/digital-financial-snapshot/</loc>
    <lastmod>2025-06-27T15:08:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2022-annual-report/</loc>
    <lastmod>2024-07-02T16:35:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2022-popular-annual-financial-report/</loc>
    <lastmod>2024-07-02T19:17:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment-stewardship-infographic/</loc>
    <lastmod>2025-06-27T15:18:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment-stewardship-report/</loc>
    <lastmod>2025-08-01T14:53:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-process-booklet/</loc>
    <lastmod>2025-03-21T12:55:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/school-division-webinars/</loc>
    <lastmod>2025-12-10T15:16:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/affiliation-guide/</loc>
    <lastmod>2024-07-02T17:18:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-benefit-structure-retirement-application/</loc>
    <lastmod>2024-07-02T11:13:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/denver-public-schools-dps-benefit-structure-retirement-application/</loc>
    <lastmod>2026-02-04T10:08:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/service-credit-purchase-application/</loc>
    <lastmod>2024-07-02T11:49:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-overview-spanish/</loc>
    <lastmod>2024-07-02T12:38:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member-information-form-defined-benefit-plan-s/</loc>
    <lastmod>2025-04-10T16:18:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member-information-form-spanish/</loc>
    <lastmod>2024-07-02T11:14:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/sign-up-to-receive-a-phone-call/</loc>
    <lastmod>2024-06-12T08:40:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/town-hall-live-stream/</loc>
    <lastmod>2024-06-12T08:40:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-rules/</loc>
    <lastmod>2025-03-14T11:15:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/refund-rollover-request/</loc>
    <lastmod>2026-02-04T10:09:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-law-2023/</loc>
    <lastmod>2025-10-20T13:14:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/ssn-verification-fact-sheet/</loc>
    <lastmod>2024-07-02T17:28:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment-stewardship-overview/</loc>
    <lastmod>2025-06-27T15:20:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/perachoice-change-transfer-form/</loc>
    <lastmod>2025-05-09T15:10:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-premium-calculator/</loc>
    <lastmod>2024-06-12T08:15:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/annual-report/</loc>
    <lastmod>2025-06-27T15:04:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/termination-options/</loc>
    <lastmod>2024-06-12T08:13:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/calculate-the-cost-to-purchase-service-credit/</loc>
    <lastmod>2024-06-12T08:13:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-plan-fees/</loc>
    <lastmod>2026-02-12T15:44:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-401k-457-and-dc-plans-fees/</loc>
    <lastmod>2026-02-12T15:41:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-plan-comparison/</loc>
    <lastmod>2024-06-12T08:09:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/electronic-delivery/</loc>
    <lastmod>2024-06-12T08:09:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings-appointments/</loc>
    <lastmod>2024-06-12T08:08:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/hudepohl-associates/</loc>
    <lastmod>2024-06-12T08:08:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/authorization-for-a-credit-union-or-bank-deduction/</loc>
    <lastmod>2025-04-18T15:44:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-401-k-plan-overview/</loc>
    <lastmod>2024-07-02T15:33:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-457-plan-overview/</loc>
    <lastmod>2024-07-02T15:38:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pension-review-commission-eyes-two-bills-for-2024-legislative-session/</loc>
    <lastmod>2024-06-25T15:28:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/internal-revenue-code-415-b-limits/</loc>
    <lastmod>2026-01-15T12:39:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/board-committee-assignments/</loc>
    <lastmod>2024-09-25T10:33:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/candidacy-packet-request/</loc>
    <lastmod>2024-06-12T08:03:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retiree-named-beneficiary-change-form/</loc>
    <lastmod>2025-04-18T15:45:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/statement-of-investment-policy-cif/</loc>
    <lastmod>2025-05-01T10:48:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/frequently-asked-questions-about-colorado-pera-for-retirees/</loc>
    <lastmod>2024-07-02T16:49:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/proxy-voting-policy/</loc>
    <lastmod>2024-07-02T18:12:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/working-after-retirement-fact-sheet/</loc>
    <lastmod>2024-07-02T13:10:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-overview-for-judges/</loc>
    <lastmod>2026-03-04T15:57:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-overview-for-safety-officers/</loc>
    <lastmod>2026-03-04T15:56:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-overview-for-new-members/</loc>
    <lastmod>2026-03-04T15:51:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-members-and-benefit-recipients-by-county/</loc>
    <lastmod>2024-12-20T10:49:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/certification-of-previous-health-care-coverage/</loc>
    <lastmod>2024-06-12T07:50:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/direct-deposit-by-electronic-funds-transfer-online-form/</loc>
    <lastmod>2024-06-12T07:49:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/direct-deposit-by-electronic-funds-transfer-eft/</loc>
    <lastmod>2026-01-14T09:38:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/account-access/</loc>
    <lastmod>2024-06-12T07:48:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-state-withholding-form/</loc>
    <lastmod>2024-06-27T11:36:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/taxes-on-one-time-distributions/</loc>
    <lastmod>2024-06-12T07:45:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-forms-checklist/</loc>
    <lastmod>2026-02-04T10:28:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-cancellation-form/</loc>
    <lastmod>2024-12-11T09:20:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-contribution-rates/</loc>
    <lastmod>2025-06-18T16:17:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-benefit-calculator/</loc>
    <lastmod>2024-06-12T07:35:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-benefit-option-election-form/</loc>
    <lastmod>2024-06-12T07:45:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/dps-benefit-option-election-form/</loc>
    <lastmod>2024-06-12T07:44:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/state-lawmakers-pass-six-pera-related-bills-in-2024/</loc>
    <lastmod>2024-06-25T15:30:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/changes-coming-soon-to-pera-on-the-issues/</loc>
    <lastmod>2025-10-02T11:02:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/topics/topics-may-2024/</loc>
    <lastmod>2024-06-26T08:24:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/amy-c-mcgarrity/</loc>
    <lastmod>2025-09-09T08:37:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/patrick-lane/</loc>
    <lastmod>2024-06-04T09:47:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/reminder-no-automatic-adjustment-contribution-rate-change-in-july-2024/</loc>
    <lastmod>2025-09-09T08:40:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/reminder-changes-to-the-life-insurance-deduction-feedback-file/</loc>
    <lastmod>2025-09-09T08:46:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/accrued-leave-payouts-and-pera-includable-salary/</loc>
    <lastmod>2025-09-09T08:50:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/important-changes-to-the-critical-shortage-and-140-day-designations-for-working-retirees/</loc>
    <lastmod>2025-09-09T13:23:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/upcoming-board-electionf-1d6596/</loc>
    <lastmod>2025-10-28T09:23:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-is-peracare/</loc>
    <lastmod>2025-06-13T10:53:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-benefit-calculator/</loc>
    <lastmod>2024-06-03T12:24:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/amy-grant/</loc>
    <lastmod>2024-05-31T05:17:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-announces-board-election-results/</loc>
    <lastmod>2024-12-26T10:27:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-membership-of-substitutes-employed-by-a-third-party-employment-agency/</loc>
    <lastmod>2025-10-23T14:45:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2024-pera-town-halls-taking-place-on-june-26/</loc>
    <lastmod>2025-06-12T08:47:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/employer-toolkits/</loc>
    <lastmod>2026-02-27T15:25:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/affiliating-with-pera2/</loc>
    <lastmod>2025-06-20T12:30:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/state-lawmakers-pass-six-pera-related-bills-in-2024-legislative-session/</loc>
    <lastmod>2025-09-25T09:51:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/member-and-retiree-forms/</loc>
    <lastmod>2026-03-27T09:59:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/board-of-trustees-friday-march-15-2024-meeting-agenda/</loc>
    <lastmod>2024-05-14T11:03:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/andrew-roth/</loc>
    <lastmod>2026-03-27T09:55:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/qa-with-peras-new-ceo-executive-director-andrew-roth/</loc>
    <lastmod>2025-09-25T09:54:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-divestment-and-why-is-pera-opposed-to-it/</loc>
    <lastmod>2024-07-03T12:15:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-original-medicare-and-how-much-does-it-cost/</loc>
    <lastmod>2025-10-01T14:15:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-does-my-pera-benefit-affect-my-social-security-benefit/</loc>
    <lastmod>2025-01-23T15:06:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/lawmakers-pass-bill-to-refresh-study-on-value-of-peras-defined-benefit-plan/</loc>
    <lastmod>2025-09-25T09:53:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/pera-on-the-issues/</loc>
    <lastmod>2026-02-20T11:44:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/update-regarding-request-for-proposals-rfp-for-alternatives-investment-research-access/</loc>
    <lastmod>2025-10-14T10:36:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/america-saves-week-three-reasons-to-save-more-this-year/</loc>
    <lastmod>2025-10-02T11:04:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/skip-the-wait-and-go-online/</loc>
    <lastmod>2025-10-07T13:16:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/streamline-your-benefit-with-direct-deposit/</loc>
    <lastmod>2025-10-14T10:42:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/legislation-update/</loc>
    <lastmod>2025-10-23T14:41:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/your-questions-answered/</loc>
    <lastmod>2025-09-23T13:51:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-names-andrew-roth-as-new-executive-director/</loc>
    <lastmod>2025-09-25T09:52:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/recap-of-pera-boards-march-2024-meeting/</loc>
    <lastmod>2025-09-25T09:52:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-board-of-trustees-names-andrew-roth-as-new-ceo-executive-director/</loc>
    <lastmod>2024-06-10T22:44:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-archives/</loc>
    <lastmod>2025-10-07T13:15:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/december-10-2019/</loc>
    <lastmod>2024-03-13T13:26:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/november-15-2019/</loc>
    <lastmod>2024-03-13T13:26:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/september-13-2019/</loc>
    <lastmod>2024-03-13T13:26:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/september-12-2019/</loc>
    <lastmod>2024-03-13T13:26:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/september-11-2019/</loc>
    <lastmod>2024-03-13T13:26:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/june-21-2019/</loc>
    <lastmod>2024-03-13T13:26:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/april-3-2019/</loc>
    <lastmod>2024-03-13T13:26:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/march-15-2019/</loc>
    <lastmod>2024-03-13T13:25:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/january-18-2019/</loc>
    <lastmod>2024-03-13T13:25:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/november-20-2020/</loc>
    <lastmod>2024-03-13T13:25:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/september-11-2020/</loc>
    <lastmod>2024-03-13T13:25:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/september-10-2020/</loc>
    <lastmod>2024-03-13T13:25:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/june-19-2020/</loc>
    <lastmod>2024-03-13T13:25:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/april-28-2020/</loc>
    <lastmod>2024-03-13T13:24:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/march-20-2020/</loc>
    <lastmod>2024-03-13T13:24:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/january-17-2020/</loc>
    <lastmod>2024-03-13T13:24:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/september-17-2021/</loc>
    <lastmod>2024-03-13T13:24:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/september-16-2021/</loc>
    <lastmod>2024-03-13T13:24:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/september-15-2021/</loc>
    <lastmod>2024-03-13T13:24:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/june-18-2021/</loc>
    <lastmod>2024-03-13T13:24:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/march-19-2021/</loc>
    <lastmod>2024-03-13T13:23:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/january-15-2021/</loc>
    <lastmod>2024-03-13T13:23:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/board-meeting-november-17-18/</loc>
    <lastmod>2024-03-13T12:58:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/board-meeting-and-planning-session-september-21-23-2022/</loc>
    <lastmod>2024-03-13T12:57:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings/board-meeting-june-16-17-2022/</loc>
    <lastmod>2024-03-13T12:56:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/update-on-hiring-for-peras-new-executive-director/</loc>
    <lastmod>2025-10-28T09:25:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/know-your-pera-benefits-better-with-informative-webinars/</loc>
    <lastmod>2025-10-23T14:36:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/updates-on-legislation-affecting-pera/</loc>
    <lastmod>2025-10-28T09:30:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/open-enrollment-for-pera-life-insurance-begins-april-1/</loc>
    <lastmod>2025-10-23T14:43:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/planning-to-retire-this-summer/</loc>
    <lastmod>2025-10-23T14:54:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/you-have-disability-coverage-through-pera/</loc>
    <lastmod>2025-06-13T12:04:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/affiliating-with-pera/affiliated-employers/</loc>
    <lastmod>2026-03-23T15:15:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/hon-rebecca-r-freyre/</loc>
    <lastmod>2024-07-03T12:54:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/new-gasb-guidance-for-other-postemployment-benefit-plans-opeb/</loc>
    <lastmod>2024-03-01T13:21:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/automatic-adjustment-provision-fact-sheet/</loc>
    <lastmod>2024-03-01T13:20:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/affiliation-guide/</loc>
    <lastmod>2024-03-01T13:19:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/pera-employer-quick-start-guide-for-401k-and-457-contribution-reporting-and-adjustments/</loc>
    <lastmod>2024-03-01T13:17:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/2024-health-plan-descriptions-for-active-members/</loc>
    <lastmod>2024-03-01T13:15:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/using-stars-to-submit-w-2-and-1099-files/</loc>
    <lastmod>2024-03-01T13:14:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/using-stars-for-ssn-verification/</loc>
    <lastmod>2024-03-01T13:13:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/12-pay-non-12-pay-service-credit/</loc>
    <lastmod>2024-03-01T13:10:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/school-and-dps-divisions-service-credit/</loc>
    <lastmod>2024-03-01T13:10:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/miscellaneous-payments/</loc>
    <lastmod>2024-03-01T13:10:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/retroactive-payments-settlements-and-awards/</loc>
    <lastmod>2024-03-01T13:10:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/performance-one-time-payments-and-bonuses/</loc>
    <lastmod>2024-03-01T13:09:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/leave-payments/</loc>
    <lastmod>2024-03-01T13:09:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/cash-payments-in-lieu-of-fringe-benefits/</loc>
    <lastmod>2024-03-01T13:09:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/allowances-expenses-and-reimbursements/</loc>
    <lastmod>2024-03-01T13:08:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/pera-employer-contribution-reporting-and-adjustments/</loc>
    <lastmod>2024-03-01T13:06:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/employer-training-optional-retirement-plans/</loc>
    <lastmod>2024-03-01T13:04:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/employer-resources-and-responsibilities-training/</loc>
    <lastmod>2024-03-01T13:04:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/health-care-program-subsidy-and-change-form/</loc>
    <lastmod>2024-03-01T12:30:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/death-notification-salary-report/</loc>
    <lastmod>2024-03-01T12:30:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/critical-shortage-termination-certification-2/</loc>
    <lastmod>2024-03-01T12:30:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/certification-of-leave-of-absence/</loc>
    <lastmod>2024-03-01T12:29:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/final-six-months-salary-report/</loc>
    <lastmod>2024-03-01T12:28:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/working-after-retirement-for-a-colorado-pera-employer/</loc>
    <lastmod>2024-03-01T12:28:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/pera-employer-retirement-process-and-working-after-retirement/</loc>
    <lastmod>2024-03-01T12:28:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/boces-critical-shortage-fact-sheet/</loc>
    <lastmod>2024-03-01T12:28:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/intent-to-hire-retirees-working-after-retirement-in-a-critical-shortage-position-for-a-boces/</loc>
    <lastmod>2024-03-01T12:27:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/critical-shortage-termination-certification/</loc>
    <lastmod>2024-03-01T12:27:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/designation-of-retirees-working-after-retirement-in-a-critical-shortage-position/</loc>
    <lastmod>2024-03-01T12:27:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/designation-of-retirees-working-after-retirement-under-the-140-day-916-hour-limit/</loc>
    <lastmod>2024-03-01T12:26:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/member-information-form-spanish/</loc>
    <lastmod>2024-03-01T12:26:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/member-information-form/</loc>
    <lastmod>2024-03-01T12:25:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/employer-manual/</loc>
    <lastmod>2024-03-01T12:25:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/pera-101-for-employers/</loc>
    <lastmod>2024-03-01T12:25:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/employer-authentication-process/</loc>
    <lastmod>2024-03-01T12:24:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer_forms/stars-access-request-form/</loc>
    <lastmod>2024-03-01T12:24:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/understanding-esg-infographic/</loc>
    <lastmod>2024-03-01T12:03:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/proxy-voting-policy/</loc>
    <lastmod>2024-03-01T12:03:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/investment-stewardship-overview/</loc>
    <lastmod>2024-03-01T12:03:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/investment-stewardship-report/</loc>
    <lastmod>2024-03-01T12:02:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/investment-stewardship-infographic/</loc>
    <lastmod>2024-03-01T12:02:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/june-16-2023-report/</loc>
    <lastmod>2024-03-01T12:00:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/september-22-2023-restricted-company-list/</loc>
    <lastmod>2024-03-01T11:59:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/divestments-from-companies-with-prohibitions-against-israel-fact-sheet/</loc>
    <lastmod>2024-03-01T11:59:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/statement-on-divestment/</loc>
    <lastmod>2024-03-01T11:58:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/fund-summaries-q4-2023/</loc>
    <lastmod>2024-03-01T11:56:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/performance-summary-q4-2023/</loc>
    <lastmod>2024-03-01T11:56:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/2065-fund/</loc>
    <lastmod>2024-03-01T11:56:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/2060-fund/</loc>
    <lastmod>2024-03-01T11:56:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/2055-fund/</loc>
    <lastmod>2024-03-01T11:55:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/2050-fund/</loc>
    <lastmod>2024-03-01T11:55:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/2045-fund/</loc>
    <lastmod>2024-03-01T11:55:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/2040-fund/</loc>
    <lastmod>2024-03-01T11:54:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/2035-fund/</loc>
    <lastmod>2024-03-01T11:54:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/2030-fund/</loc>
    <lastmod>2024-03-01T11:54:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/2025-fund/</loc>
    <lastmod>2024-03-01T11:54:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/income-fund/</loc>
    <lastmod>2024-03-01T11:53:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/capital-preservation-fund/</loc>
    <lastmod>2024-03-01T11:53:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/fixed-income-fund/</loc>
    <lastmod>2024-03-01T11:52:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/real-return-fund/</loc>
    <lastmod>2024-03-01T11:52:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/sri-fund/</loc>
    <lastmod>2024-03-01T11:52:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/international-stock-fund/</loc>
    <lastmod>2024-03-01T11:51:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/u-s-small-cap-and-mid-stock-fund/</loc>
    <lastmod>2024-03-01T11:50:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/u-s-large-cap-stock-fund/</loc>
    <lastmod>2024-03-01T11:49:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/statement-of-investment-policy/</loc>
    <lastmod>2024-03-01T11:35:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/colorado-pera-statement-of-investment-policy/</loc>
    <lastmod>2024-03-01T11:34:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/less-is-more-infographic/</loc>
    <lastmod>2024-03-01T11:34:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/performance-benchmarks-fact-sheet/</loc>
    <lastmod>2024-03-01T11:34:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/hedge-fund-investments-as-of-december-31-2022/</loc>
    <lastmod>2024-03-01T11:33:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/alternatives-as-of-december-31-2022/</loc>
    <lastmod>2024-03-01T11:33:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/real-estate-joint-ventures-and-fund-as-of-december-31-2022/</loc>
    <lastmod>2024-03-01T11:33:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/real-estate-direct-ownership-as-of-december-31-2022/</loc>
    <lastmod>2024-03-01T11:32:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/private-equity-holdings-as-of-december-31-2022/</loc>
    <lastmod>2024-03-01T11:32:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/global-equity-holdings-as-of-september-30-2023/</loc>
    <lastmod>2024-03-01T11:32:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment/fixed-income-holdings-as-of-september-30-2023/</loc>
    <lastmod>2024-03-01T11:31:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/pera-rules/</loc>
    <lastmod>2024-03-01T09:53:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/pera-law/</loc>
    <lastmod>2024-03-01T09:53:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/changing-your-cobeneficiary-or-benefit-option/</loc>
    <lastmod>2024-03-01T09:52:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/the-value-of-your-pera-defined-benefit-account-2/</loc>
    <lastmod>2024-03-01T09:50:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/taxes-on-one-time-distributions/</loc>
    <lastmod>2024-03-01T09:50:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/taxes-on-pera-benefits/</loc>
    <lastmod>2024-03-01T09:50:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/the-value-of-your-pera-defined-benefit-account/</loc>
    <lastmod>2024-03-01T09:48:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/tax-considerations-for-refunds-and-rollovers/</loc>
    <lastmod>2024-03-01T09:48:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/refund-rollover-request/</loc>
    <lastmod>2024-03-01T09:49:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/leaves-and-sabbaticals/</loc>
    <lastmod>2024-03-01T09:46:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/survivor-benefits/</loc>
    <lastmod>2024-03-01T09:46:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/disability-program/</loc>
    <lastmod>2024-03-01T09:45:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/peraplus-457-plan-enrollment-guide/</loc>
    <lastmod>2024-03-01T09:44:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/peraplus-457-plan-overview/</loc>
    <lastmod>2024-03-01T09:44:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/peraplus-401k-plan-enrollment-guide/</loc>
    <lastmod>2024-03-01T09:44:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/peraplus-401k-plan-overview/</loc>
    <lastmod>2024-03-01T09:43:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/the-pera-deferred-compensation-plan/</loc>
    <lastmod>2024-03-01T09:42:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/peras-401k-and-defined-contribution-plan-and-trust-document-2/</loc>
    <lastmod>2024-03-01T09:41:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/peras-401k-and-defined-contribution-plan-and-trust-document/</loc>
    <lastmod>2024-03-01T09:41:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/perachoice-brochure/</loc>
    <lastmod>2024-03-01T09:40:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/pera-overview-for-defined-contribution-plan-members/</loc>
    <lastmod>2024-03-01T09:38:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/pera-rule-15/</loc>
    <lastmod>2024-03-01T09:38:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/pera-benefits-and-divorce/</loc>
    <lastmod>2024-03-01T09:36:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/turning-65-how-peracare-works-with-medicare-2024/</loc>
    <lastmod>2024-03-01T09:35:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/peracare-2024-health-benefits-program-medicare-coverage/</loc>
    <lastmod>2024-03-01T09:36:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/peracare-2024-health-benefits-program-combination-pre-medicare-and-medicare-coverage/</loc>
    <lastmod>2024-03-01T09:36:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/peracare-2024-health-benefits-program-pre-medicare-coverage/</loc>
    <lastmod>2024-03-01T09:33:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/using-tax-deferred-funds-to-purchase-service-credit/</loc>
    <lastmod>2024-03-01T09:32:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/service-credit-purchase-terms-and-conditions/</loc>
    <lastmod>2024-03-01T09:32:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/purchasing-service-credit/</loc>
    <lastmod>2024-03-01T09:32:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/working-after-retirement-for-independent-contractors/</loc>
    <lastmod>2024-03-01T09:30:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/working-during-the-effective-month-of-retirement/</loc>
    <lastmod>2024-03-01T09:30:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/working-after-retirement/</loc>
    <lastmod>2024-03-01T09:30:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/pera-and-social-security/</loc>
    <lastmod>2024-03-01T09:29:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/automatic-adjustment-provision-2/</loc>
    <lastmod>2024-03-01T09:29:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/faqs-for-retirees/</loc>
    <lastmod>2024-03-01T09:27:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/dps-benefit-structure-understanding-your-benefit-estimate/</loc>
    <lastmod>2024-03-01T09:26:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/pera-benefit-structure-understanding-your-benefit-estimate/</loc>
    <lastmod>2024-03-01T09:29:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/retirement-forms-checklist/</loc>
    <lastmod>2024-03-01T09:24:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/checklist-to-prepare-for-a-colorado-pera-retirement/</loc>
    <lastmod>2024-03-01T09:23:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/annual-increases-for-benefit-recipients/</loc>
    <lastmod>2024-03-01T09:22:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/retirement-process/</loc>
    <lastmod>2024-03-01T09:01:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/automatic-adjustment-provision/</loc>
    <lastmod>2024-03-01T09:01:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/colorado-pera-contribution-rates/</loc>
    <lastmod>2024-03-01T09:01:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/your-pera-benefits/</loc>
    <lastmod>2024-03-01T08:57:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/pera-overview-for-safety-officers/</loc>
    <lastmod>2024-03-01T08:59:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/pera-overview-for-judges/</loc>
    <lastmod>2024-03-01T08:59:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/pera-overview-for-new-members-spanish/</loc>
    <lastmod>2024-03-01T08:56:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/booklets_fact_sheets/pera-overview-for-new-members/</loc>
    <lastmod>2024-03-01T08:55:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/non-traditional-school-attendance-certification/</loc>
    <lastmod>2024-03-01T08:50:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/summer-eligibility-certification/</loc>
    <lastmod>2024-03-01T08:49:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/school-attendance-certification/</loc>
    <lastmod>2024-03-01T08:49:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/limited-power-of-attorney/</loc>
    <lastmod>2024-03-01T08:48:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/authorization-to-use-and-or-disclose-personal-health-information-phi/</loc>
    <lastmod>2024-03-01T08:48:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/authorization-to-release-information/</loc>
    <lastmod>2024-03-01T08:47:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/authorization-to-release-financial-information-in-a-divorce-2/</loc>
    <lastmod>2024-03-01T08:46:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/pera-dc-plan-participant-information-change-form/</loc>
    <lastmod>2024-03-01T08:45:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/perachoice-years-2-5-change-transfer-form/</loc>
    <lastmod>2024-03-01T08:44:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/peraplus-457-plan-special-or-sick-annual-payments-deferral-form/</loc>
    <lastmod>2024-03-01T08:44:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/peraplus-457-participant-information-form/</loc>
    <lastmod>2024-03-01T08:43:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/peraplus-457-plan-beneficiary-designation-form/</loc>
    <lastmod>2024-03-01T08:42:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/peraplus-401k-457-plan-participant-employment-termination-notification-form-2/</loc>
    <lastmod>2024-03-01T08:41:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/peraplus-401k-participant-information-form/</loc>
    <lastmod>2024-03-01T08:39:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/peraplus-401k-plan-beneficiary-designation-form/</loc>
    <lastmod>2024-03-01T08:39:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/peraplus-401k-457-plan-participant-employment-termination-notification-form/</loc>
    <lastmod>2024-03-01T08:39:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/401k-contribution-authorization-form/</loc>
    <lastmod>2024-03-01T08:38:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/purchasing-service-credit-application/</loc>
    <lastmod>2024-03-01T08:38:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/life-insurance-termination-of-coverage-form/</loc>
    <lastmod>2024-03-01T08:37:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/life-insurance-beneficiary-designation-form-2/</loc>
    <lastmod>2024-03-01T08:36:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/life-insurance-enrollment-form/</loc>
    <lastmod>2024-03-01T08:35:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/peracare-2024-enrollment-change-form-medicare-coverage/</loc>
    <lastmod>2024-03-01T08:35:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/peracare-2024-enrollment-change-form-combination-pre-medicare-and-medicare-coverage/</loc>
    <lastmod>2024-03-01T08:33:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/peracare-2024-enrollment-change-form-pre-medicare-coverage/</loc>
    <lastmod>2024-03-01T08:32:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/peracare-program-cancellation/</loc>
    <lastmod>2024-03-01T08:30:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/peracare-automatic-payment-authorization/</loc>
    <lastmod>2024-03-01T08:29:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/certification-of-previous-health-care-coverage/</loc>
    <lastmod>2024-03-01T08:28:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/medicare-card-submission-form/</loc>
    <lastmod>2024-03-01T08:28:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/authorization-to-release-financial-information-in-a-divorce/</loc>
    <lastmod>2024-03-01T08:27:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/agreement-for-domestic-relations-order/</loc>
    <lastmod>2024-03-01T08:27:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/domestic-relations-order/</loc>
    <lastmod>2024-03-01T08:26:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/disability-program-application/</loc>
    <lastmod>2024-03-01T08:25:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/life-insurance-beneficiary-designation-form/</loc>
    <lastmod>2024-03-01T08:24:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/retiree-named-beneficiary-change-form/</loc>
    <lastmod>2024-03-01T08:23:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/address-change-form-db-plan-dc-plan-peraplus-life-insurance/</loc>
    <lastmod>2024-03-01T08:21:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/member-information-form-spanish/</loc>
    <lastmod>2024-03-01T08:20:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/member-information-form/</loc>
    <lastmod>2024-03-01T08:20:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/authorization-for-a-credit-union-or-bank-deduction/</loc>
    <lastmod>2024-03-01T08:19:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/authorization-for-strength-in-change-foundation-deduction/</loc>
    <lastmod>2024-03-01T08:18:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/direct-deposit-by-electronic-funds-transfer-eft-for-minors/</loc>
    <lastmod>2024-03-01T08:17:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/direct-deposit-by-electronic-funds-transfer-eft-monthly-benefit-payments/</loc>
    <lastmod>2024-03-01T08:17:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/final-six-months-salary-report/</loc>
    <lastmod>2024-03-01T08:16:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/colorado-state-withholding-form/</loc>
    <lastmod>2024-03-01T08:15:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/form-w-4p/</loc>
    <lastmod>2024-03-01T08:14:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/denver-public-schools-dps-benefit-structure-retirement-application/</loc>
    <lastmod>2024-03-01T08:14:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/pera-benefit-structure-retirement-application/</loc>
    <lastmod>2024-03-01T08:13:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/form-w-4r/</loc>
    <lastmod>2024-03-01T08:11:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/financial-institution-certification/</loc>
    <lastmod>2024-03-01T08:10:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/defined-benefit-plan-refund-by-direct-deposit/</loc>
    <lastmod>2024-03-01T08:09:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/tax-considerations-for-refunds-and-rollovers/</loc>
    <lastmod>2024-03-01T08:07:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member_retiree_forms/refund-rollover-of-your-pera-db-plan-account/</loc>
    <lastmod>2024-03-01T08:05:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-board-of-trustees-names-andrew-roth-as-finalist-for-ceo-executive-director/</loc>
    <lastmod>2025-12-05T13:15:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/patrick-lane/</loc>
    <lastmod>2024-09-25T12:32:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/jeremy-hill/</loc>
    <lastmod>2025-08-08T08:51:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/amy-c-mcgarrity/</loc>
    <lastmod>2026-02-02T11:03:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/eunice-botchway/</loc>
    <lastmod>2025-07-24T08:46:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/hon-dave-young/</loc>
    <lastmod>2025-01-10T14:36:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/jennifer-pasquino/</loc>
    <lastmod>2025-07-10T08:04:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/trina-ruhland/</loc>
    <lastmod>2025-07-09T16:40:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/nathan-geroche/</loc>
    <lastmod>2024-09-25T14:29:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/amy-grant/</loc>
    <lastmod>2025-11-20T14:41:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/timothy-m-obrien/</loc>
    <lastmod>2025-04-03T13:53:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/hon-rebecca-r-freyre/</loc>
    <lastmod>2025-07-09T16:39:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trustees/marcus-a-pennell/</loc>
    <lastmod>2025-07-09T16:43:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-is-my-pera-benefit-calculated/</loc>
    <lastmod>2024-02-23T15:33:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-many-years-of-salary-are-in-my-has/</loc>
    <lastmod>2024-02-23T15:33:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/at-my-job-pay-increases-take-place-midyear-how-does-this-affect-my-has-for-the-year/</loc>
    <lastmod>2024-07-10T09:08:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-a-reduced-retirement/</loc>
    <lastmod>2024-06-04T12:04:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-happens-if-i-retire-in-between-the-boxes-on-the-pera-has-table/</loc>
    <lastmod>2024-02-23T15:33:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/do-i-forfeit-service-credit-if-i-retire-before-my-work-anniversary/</loc>
    <lastmod>2024-02-23T15:33:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/will-i-be-eligible-to-receive-annual-increases-to-my-pera-benefit-in-retirement/</loc>
    <lastmod>2024-07-10T09:09:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-happens-to-my-unused-sick-and-vacation-time/</loc>
    <lastmod>2024-02-23T15:33:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/if-i-choose-a-monthly-retirement-benefit-how-will-it-be-paid/</loc>
    <lastmod>2024-02-23T15:33:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/i-plan-to-retire-at-the-end-of-the-school-year-but-my-contract-will-continue-paying-me-through-the-summer-how-does-this-affect-my-retirement-date-with-pera/</loc>
    <lastmod>2024-06-04T11:52:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-happens-to-my-pera-life-insurance-after-retirement/</loc>
    <lastmod>2024-02-23T15:33:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/do-medicare-advantage-and-medicare-supplement-plans-require-you-to-go-through-an-underwriting-process-2/</loc>
    <lastmod>2024-02-23T15:33:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/which-plan-is-better-for-those-with-a-serious-illness-condition-2/</loc>
    <lastmod>2024-02-23T15:33:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/why-does-pera-only-offer-medicare-advantage-not-medicare-supplement-2/</loc>
    <lastmod>2024-02-23T15:33:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-i-enroll-in-a-medicare-advantage-plan-without-first-enrolling-in-medicare-2/</loc>
    <lastmod>2024-02-23T15:33:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/why-do-i-have-to-pay-medicare-part-b-premiums-and-peracare-premiums-2/</loc>
    <lastmod>2024-02-23T15:33:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-do-i-get-my-money-from-pera-and-how-long-does-it-take/</loc>
    <lastmod>2025-06-17T19:26:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-long-can-i-leave-my-db-account-with-pera/</loc>
    <lastmod>2024-07-03T12:26:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-do-i-claim-my-inactive-account/</loc>
    <lastmod>2024-08-21T07:59:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-are-my-choices-if-i-leave-employment-before-im-eligible-to-retire/</loc>
    <lastmod>2024-04-22T08:44:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/if-i-leave-pera-covered-employment-and-elect-to-take-a-rollover-refund-of-my-account-rather-than-a-monthly-benefit-do-i-get-any-of-the-employers-contributions/</loc>
    <lastmod>2025-06-17T19:33:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/why-should-i-leave-my-defined-benefit-db-account-with-pera-until-retirement/</loc>
    <lastmod>2024-02-23T15:33:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-if-i-refund-my-account-but-then-go-back-to-work-covered-by-pera/</loc>
    <lastmod>2024-06-04T12:02:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/are-there-tax-consequences-if-i-refund-my-account/</loc>
    <lastmod>2024-07-10T06:19:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-do-i-access-my-pera-account-online/</loc>
    <lastmod>2025-06-17T19:22:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/i-dont-remember-my-user-id-or-password-how-can-i-log-in/</loc>
    <lastmod>2024-06-04T11:38:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-multifactor-authentication/</loc>
    <lastmod>2024-02-23T15:33:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-do-i-get-help-if-im-unable-to-access-my-pera-account-online/</loc>
    <lastmod>2024-02-23T15:33:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-do-i-need-to-do-to-retire/</loc>
    <lastmod>2024-02-23T15:33:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-is-my-retirement-date-determined/</loc>
    <lastmod>2024-07-10T09:06:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-the-timeline-to-retire/</loc>
    <lastmod>2024-06-04T12:28:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-peras-funded-status-2/</loc>
    <lastmod>2024-07-02T02:23:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-peracare-2/</loc>
    <lastmod>2024-02-23T15:33:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/are-there-options-other-than-peracare-after-i-retire-2/</loc>
    <lastmod>2024-06-04T09:00:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-much-does-peracare-cost-2/</loc>
    <lastmod>2024-02-23T15:33:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/who-is-eligible-to-enroll-in-peracare-2/</loc>
    <lastmod>2024-04-22T09:02:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-do-i-enroll-2/</loc>
    <lastmod>2024-04-22T09:02:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/when-can-i-enroll-change-plans-or-add-dependents-2/</loc>
    <lastmod>2024-04-22T09:02:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-are-my-coverage-options-under-peracare-2/</loc>
    <lastmod>2024-04-22T09:02:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/is-peracare-a-continuation-of-my-employer-coverage-2/</loc>
    <lastmod>2024-04-22T09:02:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/do-peracare-health-plans-include-prescription-drug-coverage-2/</loc>
    <lastmod>2024-04-22T09:02:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-happens-when-i-turn-65-2/</loc>
    <lastmod>2024-04-22T09:02:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/when-can-i-cancel-peracare-coverage-2/</loc>
    <lastmod>2025-10-01T14:17:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-original-medicare-2/</loc>
    <lastmod>2024-02-23T15:33:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/will-i-be-eligible-for-medicare-as-a-pera-retiree/</loc>
    <lastmod>2025-06-17T19:17:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-the-cost-of-original-medicare-2/</loc>
    <lastmod>2024-02-23T15:33:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-types-of-medicare-plans-does-peracare-offer-2/</loc>
    <lastmod>2024-02-23T15:33:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-i-enroll-in-more-than-one-medicare-plan-2/</loc>
    <lastmod>2024-02-23T15:33:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/do-i-also-need-a-medicare-advantage-or-medicare-supplement-plan-if-i-have-original-medicare-2/</loc>
    <lastmod>2024-02-23T15:33:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-a-medicare-supplement-plan-2/</loc>
    <lastmod>2024-02-23T15:33:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-a-medicare-advantage-plan-2/</loc>
    <lastmod>2024-02-23T15:33:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-happens-if-my-cobeneficiary-dies-before-i-do/</loc>
    <lastmod>2024-02-23T15:33:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/does-my-cobeneficiary-continue-to-get-an-annual-increase-and-access-peracare-after-my-death/</loc>
    <lastmod>2024-02-23T15:33:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-pera/</loc>
    <lastmod>2024-02-23T15:33:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-many-members-does-pera-have/</loc>
    <lastmod>2024-02-23T15:33:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/who-oversees-the-management-of-pera/</loc>
    <lastmod>2024-07-03T11:13:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/who-serves-on-the-board/</loc>
    <lastmod>2024-02-23T15:33:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-the-role-of-the-general-assembly/</loc>
    <lastmod>2024-02-23T15:33:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-oversight-is-there-of-pera/</loc>
    <lastmod>2024-02-23T15:33:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-is-pera-funded/</loc>
    <lastmod>2024-07-03T11:18:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-peras-funded-status/</loc>
    <lastmod>2024-02-23T15:33:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-does-pera-stay-on-track-to-achieving-its-funding-goal/</loc>
    <lastmod>2024-02-23T15:33:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-pera-2/</loc>
    <lastmod>2024-02-23T15:33:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-many-members-does-pera-have-2/</loc>
    <lastmod>2024-07-03T10:54:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-does-pera-invest-in-2/</loc>
    <lastmod>2024-02-23T15:33:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/who-oversees-the-management-of-pera-2/</loc>
    <lastmod>2024-07-10T03:26:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/who-serves-on-the-board-2/</loc>
    <lastmod>2024-02-23T15:33:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-the-role-of-the-general-assembly-2/</loc>
    <lastmod>2024-02-23T15:33:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-oversight-is-there-of-pera-2/</loc>
    <lastmod>2024-02-23T15:33:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-is-pera-funded-2/</loc>
    <lastmod>2024-07-03T11:18:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-does-pera-stay-on-track-to-achieving-its-funding-goal-2/</loc>
    <lastmod>2024-07-10T03:28:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-the-difference-between-qualified-and-nonqualified-employment/</loc>
    <lastmod>2024-02-23T15:33:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-is-service-credit-calculated-differently-for-school-and-dps-division-employees/</loc>
    <lastmod>2024-07-10T09:15:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-many-years-of-service-credit-will-i-need-to-qualify-for-a-monthly-benefit/</loc>
    <lastmod>2024-07-10T09:16:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-i-work-while-im-retired/</loc>
    <lastmod>2024-07-10T09:47:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/does-working-after-retirement-increase-my-monthly-benefit/</loc>
    <lastmod>2024-02-23T15:33:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/will-pera-contributions-be-deducted-from-my-paycheck-as-a-retiree/</loc>
    <lastmod>2024-02-23T15:33:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-are-the-limits-on-working-after-retirement/</loc>
    <lastmod>2024-07-10T09:49:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-i-volunteer-for-a-pera-employer-without-limits/</loc>
    <lastmod>2024-02-23T15:33:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/do-i-have-to-leave-my-job-before-returning-to-work-as-a-retiree/</loc>
    <lastmod>2024-02-23T15:33:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/im-receiving-a-disability-retirement-benefit-am-i-subject-to-the-same-limits/</loc>
    <lastmod>2024-07-09T10:20:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/if-im-a-cobeneficiary-or-survivor-of-a-pera-member-receiving-a-benefit-am-i-subject-to-working-after-retirement-limits/</loc>
    <lastmod>2024-02-23T15:33:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-much-will-my-benefit-be-reduced-if-i-exceed-the-work-limits/</loc>
    <lastmod>2024-02-23T15:33:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/why-can-some-retirees-work-for-140-days-or-916-hours-per-year/</loc>
    <lastmod>2024-02-23T15:33:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-do-i-know-if-im-designated-as-a-140-day-916-hour-or-critical-shortage-retiree/</loc>
    <lastmod>2024-02-23T15:33:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-are-critical-shortage-positions-and-what-are-the-rules-for-them/</loc>
    <lastmod>2024-07-10T09:51:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-monthly-benefit-options-will-i-have-when-i-retire/</loc>
    <lastmod>2025-06-17T19:12:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-i-change-my-benefit-option-later-in-retirement/</loc>
    <lastmod>2024-07-10T07:34:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-happens-if-i-die-shortly-after-retirement/</loc>
    <lastmod>2024-02-23T15:33:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/whats-the-difference-between-a-beneficiary-and-a-cobeneficiary/</loc>
    <lastmod>2024-02-23T15:33:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-i-change-my-cobeneficiary-after-i-retire/</loc>
    <lastmod>2024-07-10T07:35:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-does-the-defined-benefit-provide-in-retirement/</loc>
    <lastmod>2024-02-23T15:33:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-do-members-qualify-for-a-monthly-lifetime-benefit/</loc>
    <lastmod>2024-02-23T15:33:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-options-are-there-besides-the-monthly-lifetime-benefit-2/</loc>
    <lastmod>2024-06-04T12:31:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-does-pera-invest-in/</loc>
    <lastmod>2024-02-23T15:33:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-a-defined-contribution-plan/</loc>
    <lastmod>2024-02-23T15:33:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-can-i-save-more-for-retirement-2/</loc>
    <lastmod>2024-02-23T15:33:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-i-add-to-my-retirement-benefit-amount-2/</loc>
    <lastmod>2024-07-01T08:15:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-other-benefits-are-included-for-pera-members-2/</loc>
    <lastmod>2024-02-23T15:33:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-if-a-pera-db-member-becomes-disabled-prior-to-retirement/</loc>
    <lastmod>2024-02-23T15:33:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-happens-if-a-pera-db-member-dies-before-retirement-2/</loc>
    <lastmod>2024-02-23T15:33:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/does-pera-offer-life-insurance-coverage/</loc>
    <lastmod>2024-02-23T15:33:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/are-health-benefits-available-for-retirees/</loc>
    <lastmod>2024-07-01T08:06:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/is-there-a-premium-subsidy-available-for-retiree-health-care/</loc>
    <lastmod>2024-02-23T15:33:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-can-i-learn-more-about-my-pera-benefit/</loc>
    <lastmod>2024-02-23T15:33:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/why-would-i-purchase-service-credit/</loc>
    <lastmod>2024-02-23T15:33:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-is-service-credit-calculated/</loc>
    <lastmod>2024-06-04T11:30:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/who-is-eligible-to-purchase-service-credit/</loc>
    <lastmod>2024-02-23T15:33:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-much-does-it-cost-to-purchase-service-credit/</loc>
    <lastmod>2024-02-23T15:33:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/i-previously-refunded-my-account-can-i-get-that-service-credit-back/</loc>
    <lastmod>2024-07-10T09:13:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-i-add-to-my-service-credit-for-other-work-experience/</loc>
    <lastmod>2024-07-10T09:14:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-considered-pera-includable-salary-2/</loc>
    <lastmod>2024-02-23T15:33:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-types-of-plans-does-pera-offer-members/</loc>
    <lastmod>2024-02-23T15:33:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/which-is-better-the-pera-db-plan-or-pera-dc-plan-2/</loc>
    <lastmod>2024-07-10T03:52:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-options-are-there-besides-the-monthly-lifetime-benefit/</loc>
    <lastmod>2024-06-04T12:30:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-other-benefits-are-included-for-pera-members/</loc>
    <lastmod>2024-02-23T15:33:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-can-i-save-more-for-retirement/</loc>
    <lastmod>2024-02-23T15:33:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-i-add-to-my-retirement-benefit-amount/</loc>
    <lastmod>2024-07-01T08:14:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-does-pera-define-investment-stewardship/</loc>
    <lastmod>2024-06-04T11:13:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-the-purpose-of-the-investment-stewardship-report-and-who-is-it-for/</loc>
    <lastmod>2024-06-04T12:27:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-fiduciary-duty-and-what-does-it-have-to-do-with-peras-investment-stewardship/</loc>
    <lastmod>2024-04-22T09:32:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-does-pera-integrate-financially-relevant-esg-factors-in-its-investment-decisions/</loc>
    <lastmod>2024-07-10T05:58:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/why-does-pera-prioritize-financial-sustainability-over-environmental-or-social-sustainability-in-its-investments/</loc>
    <lastmod>2024-02-23T15:33:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/as-a-pera-member-do-i-have-an-option-to-invest-my-own-retirement-savings-in-environmentally-or-socially-sustainable-funds/</loc>
    <lastmod>2024-02-23T15:33:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/why-does-pera-evaluate-its-holdings-on-an-ongoing-basis/</loc>
    <lastmod>2024-07-10T05:59:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-proxy-voting/</loc>
    <lastmod>2024-07-10T06:00:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/why-is-proxy-voting-important-to-pera/</loc>
    <lastmod>2024-07-02T14:30:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-kind-of-advocacy-does-pera-participate-in/</loc>
    <lastmod>2024-07-10T06:01:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/why-is-keeping-costs-low-part-of-peras-investment-stewardship/</loc>
    <lastmod>2024-07-10T06:03:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-type-of-plan-does-pera-offer-members/</loc>
    <lastmod>2024-02-23T15:33:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-a-defined-benefit-plan/</loc>
    <lastmod>2024-02-23T15:33:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/who-may-or-may-not-affiliate/</loc>
    <lastmod>2024-07-02T03:20:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/when-may-an-entity-affiliate-with-pera-2/</loc>
    <lastmod>2024-02-23T15:33:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-does-a-group-affiliate-with-pera-2/</loc>
    <lastmod>2024-02-23T15:33:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/which-employees-must-join-pera-when-an-employer-affiliates-2/</loc>
    <lastmod>2024-07-10T04:51:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-a-member-drop-pera-2/</loc>
    <lastmod>2024-02-23T15:33:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-an-affiliated-employer-withdraw-from-pera-2/</loc>
    <lastmod>2024-02-23T15:33:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-police-officers-and-firefighters-be-members-of-pera-2/</loc>
    <lastmod>2024-02-23T15:33:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-are-the-peraplus-401k-and-457-plans/</loc>
    <lastmod>2024-02-23T15:33:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-the-difference-between-the-401k-and-457-plans/</loc>
    <lastmod>2024-07-10T07:10:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/why-hasnt-my-contribution-posted-yet-2/</loc>
    <lastmod>2024-02-23T15:33:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-do-i-know-if-im-eligible-for-the-peraplus-457-plan/</loc>
    <lastmod>2024-02-23T15:33:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-do-i-enroll-in-a-peraplus-plan/</loc>
    <lastmod>2024-07-10T07:11:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/do-i-have-to-wait-for-my-employers-open-enrollment-period-to-enroll-in-a-peraplus-401k-or-457-plan/</loc>
    <lastmod>2025-06-17T16:24:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-happens-to-my-peraplus-401k-and-or-peraplus-457-plan-after-i-retire/</loc>
    <lastmod>2024-02-23T15:33:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-long-can-i-leave-my-peraplus-401k-and-or-peraplus-457-plan-with-pera-after-i-retire/</loc>
    <lastmod>2024-02-23T15:33:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-empower-retirement/</loc>
    <lastmod>2024-02-23T15:33:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-do-i-notify-empower-of-my-termination-date/</loc>
    <lastmod>2024-02-23T15:33:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/whats-the-difference-between-copera-org-and-coperaplus-org/</loc>
    <lastmod>2024-02-23T15:33:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-is-my-benefit-calculated/</loc>
    <lastmod>2024-02-23T15:33:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-happens-if-a-pera-db-member-dies-before-retirement/</loc>
    <lastmod>2024-02-23T15:33:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-i-withdraw-or-borrow-money-from-my-pera-account/</loc>
    <lastmod>2025-08-05T09:14:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/does-pera-offer-disability-benefits/</loc>
    <lastmod>2024-02-23T15:33:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/does-pera-offer-life-insurance/</loc>
    <lastmod>2024-02-23T15:33:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/does-pera-offer-additional-investment-programs-to-its-members/</loc>
    <lastmod>2024-02-23T15:33:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-perachoice/</loc>
    <lastmod>2024-06-04T12:07:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/which-is-better-the-pera-db-plan-or-pera-dc-plan/</loc>
    <lastmod>2024-07-10T07:02:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/i-received-a-letter-in-the-mail-that-says-i-can-change-plans-what-does-that-mean/</loc>
    <lastmod>2024-07-10T07:04:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-does-the-employer-determine-a-new-employees-previous-pera-status/</loc>
    <lastmod>2024-04-22T08:43:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-does-the-employer-submit-contributions-for-these-employees/</loc>
    <lastmod>2024-02-23T15:33:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-does-the-employer-report-new-hires-to-pera/</loc>
    <lastmod>2024-02-23T15:33:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-does-the-employer-need-to-do-if-a-new-employee-is-eligible-for-perachoice/</loc>
    <lastmod>2024-06-04T11:58:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-resources-are-available-for-additional-information/</loc>
    <lastmod>2024-06-04T12:32:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-are-my-employer-contribution-rates/</loc>
    <lastmod>2024-02-23T15:33:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-considered-pera-includable-salary/</loc>
    <lastmod>2024-07-10T04:49:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-stars/</loc>
    <lastmod>2024-07-10T04:50:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-do-i-enroll-new-or-transferring-employees-in-pera/</loc>
    <lastmod>2024-06-04T11:05:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-do-my-employees-need-to-do-when-theyre-ready-to-retire/</loc>
    <lastmod>2024-04-22T08:44:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-do-i-need-to-do-if-an-employee-is-terminated/</loc>
    <lastmod>2024-02-23T15:33:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/is-pera-required-for-my-employees/</loc>
    <lastmod>2024-07-03T12:40:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-a-medicare-advantage-plan/</loc>
    <lastmod>2024-02-23T15:33:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/which-plan-is-better-for-those-with-a-serious-illness-condition/</loc>
    <lastmod>2024-02-23T15:33:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-types-of-medicare-plans-does-peracare-offer/</loc>
    <lastmod>2024-02-23T15:33:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/why-does-pera-only-offer-medicare-advantage-not-medicare-supplement/</loc>
    <lastmod>2024-02-23T15:33:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-i-enroll-in-a-medicare-advantage-plan-without-first-enrolling-in-medicare/</loc>
    <lastmod>2024-02-23T15:33:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/why-do-i-have-to-pay-medicare-part-b-premiums-and-peracare-premiums/</loc>
    <lastmod>2024-02-23T15:33:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-i-enroll-in-more-than-one-medicare-plan/</loc>
    <lastmod>2024-02-23T15:33:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/do-medicare-advantage-and-medicare-supplement-plans-require-you-to-go-through-an-underwriting-process/</loc>
    <lastmod>2024-02-23T15:33:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-much-am-i-contributing-to-pera-will-this-amount-change-in-the-future/</loc>
    <lastmod>2025-06-17T19:50:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/why-hasnt-my-contribution-posted-yet/</loc>
    <lastmod>2024-02-23T15:33:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-happens-to-my-account-if-i-die-before-retirement/</loc>
    <lastmod>2024-07-03T13:11:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-much-does-peracare-cost/</loc>
    <lastmod>2024-02-23T15:33:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-are-my-coverage-options-under-peracare/</loc>
    <lastmod>2024-02-23T15:33:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/do-peracare-health-plans-include-prescription-drug-coverage/</loc>
    <lastmod>2024-02-23T15:33:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-happens-when-i-turn-65/</loc>
    <lastmod>2024-02-23T15:33:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/when-can-i-cancel-peracare-coverage/</loc>
    <lastmod>2025-10-01T14:17:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-original-medicare/</loc>
    <lastmod>2024-02-23T15:33:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-the-cost-of-original-medicare/</loc>
    <lastmod>2024-02-23T15:33:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/do-i-also-need-a-medicare-advantage-or-medicare-supplement-plan-if-i-have-original-medicare/</loc>
    <lastmod>2024-02-23T15:33:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-a-medicare-supplement-plan/</loc>
    <lastmod>2024-02-23T15:33:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/does-pera-invest-in-cryptocurrency/</loc>
    <lastmod>2024-06-04T09:26:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/does-pera-invest-in-gold/</loc>
    <lastmod>2024-06-04T09:27:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-does-pera-manage-risk/</loc>
    <lastmod>2024-07-03T12:17:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/when-will-annual-return-data-be-available/</loc>
    <lastmod>2024-02-23T15:33:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/is-pera-concerned-about-inflation/</loc>
    <lastmod>2024-02-23T15:33:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-in-alternatives/</loc>
    <lastmod>2025-06-30T16:16:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-percentage-of-peras-assets-are-managed-internally/</loc>
    <lastmod>2025-06-30T16:17:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/why-arent-more-investments-managed-in-house/</loc>
    <lastmod>2024-02-23T15:33:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-does-pera-do-when-market-returns-are-negative/</loc>
    <lastmod>2025-07-01T16:31:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/does-pera-have-concentration-in-any-one-holding/</loc>
    <lastmod>2024-02-23T15:33:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/are-derivatives-used-in-the-pera-portfolio/</loc>
    <lastmod>2024-02-23T15:33:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-does-pera-evaluate-its-investment-performance/</loc>
    <lastmod>2024-02-23T15:33:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-does-pera-audit-the-private-equity-portfolio/</loc>
    <lastmod>2024-06-04T11:12:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/does-pera-integrate-financially-material-esg-factors-in-its-private-market-investment-decisions/</loc>
    <lastmod>2024-02-23T15:33:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-peracare/</loc>
    <lastmod>2024-02-23T15:33:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/who-is-eligible-to-enroll-in-peracare/</loc>
    <lastmod>2024-02-23T15:33:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/is-peracare-a-continuation-of-my-employer-coverage/</loc>
    <lastmod>2024-02-23T15:33:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/are-there-options-other-than-peracare-after-i-retire/</loc>
    <lastmod>2024-06-04T09:05:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/when-can-i-enroll-change-plans-or-add-dependents/</loc>
    <lastmod>2024-02-23T15:33:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-do-i-enroll/</loc>
    <lastmod>2024-02-23T15:33:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/who-may-affiliate-with-pera/</loc>
    <lastmod>2024-02-23T15:33:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/who-may-not-affiliate-with-pera/</loc>
    <lastmod>2024-02-23T15:33:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-many-employees-are-needed-for-an-employer-to-affiliate/</loc>
    <lastmod>2024-02-23T15:33:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/when-may-an-entity-affiliate-with-pera/</loc>
    <lastmod>2024-02-23T15:33:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-does-a-group-affiliate-with-pera/</loc>
    <lastmod>2024-02-23T15:33:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/which-employees-must-join-pera-when-an-employer-affiliates/</loc>
    <lastmod>2024-07-02T03:14:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-a-member-drop-pera/</loc>
    <lastmod>2024-02-23T15:33:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-an-affiliated-employer-withdraw-from-pera/</loc>
    <lastmod>2024-02-23T15:33:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/can-police-officers-and-firefighters-be-members-of-pera/</loc>
    <lastmod>2024-02-23T15:33:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/when-will-i-receive-my-benefit-payment/</loc>
    <lastmod>2024-12-30T11:19:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/will-i-receive-annual-increases-to-my-pera-benefit/</loc>
    <lastmod>2024-09-06T12:43:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/is-my-pera-benefit-taxable/</loc>
    <lastmod>2024-07-10T07:28:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-do-i-check-my-withholdings-or-make-changes/</loc>
    <lastmod>2024-06-04T11:03:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/does-pera-withhold-state-taxes-for-any-state-other-than-colorado/</loc>
    <lastmod>2024-02-23T15:33:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/what-is-the-cost-of-peras-investment-program/</loc>
    <lastmod>2025-06-30T16:14:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-is-the-allocation-to-various-asset-classes-determined/</loc>
    <lastmod>2024-07-03T06:59:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/how-often-is-the-asset-allocation-policy-to-various-asset-classes-changed/</loc>
    <lastmod>2024-02-23T15:33:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/does-the-allocation-to-public-equities-stay-the-same/</loc>
    <lastmod>2025-06-30T16:15:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/faqs/why-doesnt-pera-hold-more-cash/</loc>
    <lastmod>2024-02-23T15:33:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/health-benefits-webinar-under-65/</loc>
    <lastmod>2025-05-13T13:46:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/have-you-thought-about-pera-lately-9d9864a/</loc>
    <lastmod>2025-10-23T12:48:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-quick-tips/</loc>
    <lastmod>2025-10-23T14:51:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/ready-to-retire-quick-tips/</loc>
    <lastmod>2025-10-23T15:00:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-are-retirement-assets-divided-in-a-divorce/</loc>
    <lastmod>2025-10-23T13:55:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/health-benefits-webinar-65-or-over/</loc>
    <lastmod>2025-05-13T13:45:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/four-things-new-members-should-do/</loc>
    <lastmod>2025-10-27T13:18:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/benefit-information-webinar/</loc>
    <lastmod>2026-02-23T11:59:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/news/newsletters/member-report/</loc>
    <lastmod>2026-03-12T10:03:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/external-manager-portal-login/</loc>
    <lastmod>2025-10-23T12:42:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/benefit-basics-for-retirees/pera-and-social-security/</loc>
    <lastmod>2025-10-28T11:15:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investments/</loc>
    <lastmod>2026-03-16T15:48:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/get-the-most-out-of-pera-view-your-member-dashboard/</loc>
    <lastmod>2025-10-23T12:46:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer-login-1899d75/</loc>
    <lastmod>2024-03-13T10:19:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/health-benefits-webinar-under-65/peracare-information-pre-medicare-webinar-resources/</loc>
    <lastmod>2026-02-02T15:41:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investing-by-age-for-your-future/saving-and-planning/</loc>
    <lastmod>2026-03-06T15:58:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/employer-resources/stars/</loc>
    <lastmod>2026-02-20T10:18:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/stewardship-videos/</loc>
    <lastmod>2025-10-28T09:17:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer-schedule-status/</loc>
    <lastmod>2025-10-23T12:40:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retiree-report/</loc>
    <lastmod>2026-03-05T13:09:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/training/</loc>
    <lastmod>2026-02-20T10:09:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/careers/</loc>
    <lastmod>2026-02-20T11:45:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/benefit-basics/</loc>
    <lastmod>2026-02-20T10:48:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-checklist-quick-tips/</loc>
    <lastmod>2025-10-14T10:53:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/after-retirement-quick-tips/</loc>
    <lastmod>2025-10-14T10:54:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/when-and-how-much-quick-tips/</loc>
    <lastmod>2025-10-14T10:57:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-retiree-independent-contractors/</loc>
    <lastmod>2025-10-14T11:00:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-choice-webinar/</loc>
    <lastmod>2025-10-14T11:04:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/inactive-member/</loc>
    <lastmod>2025-10-14T11:07:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investments/defined-contribution-dc-plan-investments/</loc>
    <lastmod>2026-02-20T11:34:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-quick-tips/</loc>
    <lastmod>2025-10-16T11:37:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-s-lone-tree-office-closes/</loc>
    <lastmod>2025-10-14T11:14:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/timothy-m-o-brien-099d5f3/</loc>
    <lastmod>2025-10-14T11:19:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/protecting-your-assets/</loc>
    <lastmod>2025-10-23T14:56:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/board-and-leadership/leadership/</loc>
    <lastmod>2025-10-14T11:31:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/closed-session/</loc>
    <lastmod>2025-10-14T11:33:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/training/contribution-reporting/</loc>
    <lastmod>2026-02-20T10:11:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/security-disclosure/</loc>
    <lastmod>2025-10-14T11:38:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/life-and-job-changes/leaving-employment/</loc>
    <lastmod>2026-03-31T09:04:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-developing-a-savings-plan-resources/</loc>
    <lastmod>2025-10-15T11:08:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/health-benefits-peracare/under-age-65-pre-medicare/</loc>
    <lastmod>2026-03-03T09:05:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/affiliating-with-pera/</loc>
    <lastmod>2026-02-20T10:21:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/employer-resources/</loc>
    <lastmod>2026-02-20T10:14:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/employer-resources/401-k-457-plans-peraplus-for-employers/</loc>
    <lastmod>2026-02-20T10:19:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/employer-resources/health-benefits-peracare-for-employers/</loc>
    <lastmod>2026-03-23T14:51:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/my-pera-account/</loc>
    <lastmod>2026-01-15T08:14:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trina-ruhland-d7b7743/</loc>
    <lastmod>2025-10-14T13:40:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/ready-to-retire/</loc>
    <lastmod>2026-02-20T10:43:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/purchasing-service-credit-webinar-resources/</loc>
    <lastmod>2025-10-15T10:53:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/boost-your-retirement-savings-with-peraplus/</loc>
    <lastmod>2025-10-14T13:48:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment-stewardship-faqs/proxy-voting/</loc>
    <lastmod>2026-03-20T12:22:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/video-library/</loc>
    <lastmod>2026-02-20T11:39:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/planning-for-your-financial-future/</loc>
    <lastmod>2025-10-16T11:14:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/news/pera-town-hall/</loc>
    <lastmod>2026-02-12T16:22:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/creating-a-budget/</loc>
    <lastmod>2025-10-16T11:21:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/contact-us/</loc>
    <lastmod>2026-02-20T11:46:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-basics/</loc>
    <lastmod>2025-10-16T11:28:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/social-media-policies/</loc>
    <lastmod>2025-10-16T11:31:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/peraplus-401-k-457-plans/</loc>
    <lastmod>2026-03-25T08:06:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/resource-links-for-your-employees/</loc>
    <lastmod>2025-10-16T11:43:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/benefit-basics-for-retirees/annual-benefit-increases/</loc>
    <lastmod>2026-02-20T11:21:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/benefit-basics/interest-on-member-accounts/</loc>
    <lastmod>2026-02-20T11:10:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/copyright-and-trademark-notice/</loc>
    <lastmod>2025-10-16T11:49:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/</loc>
    <lastmod>2026-02-20T11:18:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/new-members/</loc>
    <lastmod>2026-01-15T08:15:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/benefit-basics-for-retirees/</loc>
    <lastmod>2026-02-20T11:18:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/benefit-basics/member-contribution-rates/</loc>
    <lastmod>2026-02-20T10:49:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/defined-contribution-dc-plan/</loc>
    <lastmod>2025-10-16T12:02:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/working-after-retirement-limit-exemptions-and-designation-reminders/</loc>
    <lastmod>2025-10-16T12:09:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/legislation/</loc>
    <lastmod>2026-03-26T10:03:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/affiliating-with-pera/gasb-reporting-standards/</loc>
    <lastmod>2026-03-24T15:18:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/</loc>
    <lastmod>2026-02-20T11:42:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/webinars/webinars-on-demand/</loc>
    <lastmod>2025-11-21T14:33:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-enrolling-in-peraplus-401-k-457-resources/</loc>
    <lastmod>2026-02-04T13:25:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/webinars/webinars-on-demand/new-member-workshop/</loc>
    <lastmod>2025-09-29T14:05:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-investing-made-simple-resources/</loc>
    <lastmod>2025-10-16T12:25:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer-forms-and-publications/</loc>
    <lastmod>2026-03-04T15:37:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/life-and-job-changes-after-retirement/</loc>
    <lastmod>2025-10-28T11:28:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/your-pera-journey-videos/</loc>
    <lastmod>2025-10-21T10:31:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/board-committees/</loc>
    <lastmod>2025-10-21T10:33:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/asset-allocation/</loc>
    <lastmod>2025-12-09T15:59:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-includable-salary/</loc>
    <lastmod>2026-02-20T11:49:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/life-and-job-changes/</loc>
    <lastmod>2026-02-20T11:10:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/annual-increase-reminder-97d69d9/</loc>
    <lastmod>2025-10-21T10:38:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/five-tips-for-online-safety/</loc>
    <lastmod>2025-10-21T10:40:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investments/defined-benefit-db-plan-assets/</loc>
    <lastmod>2026-02-20T11:33:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/developing-a-savings-plan-workshop/</loc>
    <lastmod>2025-10-21T10:44:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/purchasing-service-credit-webinar/</loc>
    <lastmod>2026-02-23T11:56:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/</loc>
    <lastmod>2026-01-20T09:53:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-enrolling-in-peraplus-401-k-457-resources/enrolling-in-peraplus-workshop/</loc>
    <lastmod>2025-10-21T10:50:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/like-us-on-facebook/</loc>
    <lastmod>2025-10-21T10:58:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer-videos/</loc>
    <lastmod>2025-10-21T11:00:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/training/includable-salary/</loc>
    <lastmod>2026-03-04T15:50:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-announcement-videos/</loc>
    <lastmod>2025-10-21T11:08:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-to-apply-for-retirement-quick-tips/</loc>
    <lastmod>2025-10-21T11:11:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-is-with-you-every-step-of-the-way-throughout-your-career/</loc>
    <lastmod>2025-10-21T11:12:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/do-i-need-disability-insurance/</loc>
    <lastmod>2025-10-21T11:15:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investing-made-simple-workshop/</loc>
    <lastmod>2025-05-13T15:25:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/do-you-need-life-insurance-after-you-retire/</loc>
    <lastmod>2025-10-21T11:22:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/new-member-journey/</loc>
    <lastmod>2025-10-07T13:20:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/why-you-should-seriously-consider-enrolling-in-a-peraplus-plan/</loc>
    <lastmod>2025-10-21T11:24:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/hiring-now/</loc>
    <lastmod>2025-10-21T11:29:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/news/</loc>
    <lastmod>2026-02-20T11:44:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/reminders-regarding-pera-retirees-returning-to-work-in-their-effective-month-of-retirement/</loc>
    <lastmod>2025-10-21T11:33:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/closure-of-pera-s-lone-tree-office-location/</loc>
    <lastmod>2025-10-21T11:36:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/health-benefits-peracare/</loc>
    <lastmod>2026-02-20T11:22:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2024-holidays/</loc>
    <lastmod>2025-10-21T11:38:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2024-pera-contribution-rates-automatic-adjustment-provision/</loc>
    <lastmod>2025-10-21T11:41:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2024-pera-contribution-rates-defined-contribution-dc-supplement/</loc>
    <lastmod>2025-10-21T11:44:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-you-need-to-know-about-rmds-030bc70/</loc>
    <lastmod>2025-12-10T10:34:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2024-irs-limits/</loc>
    <lastmod>2025-10-21T12:17:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/secure-2-0-changes-to-401-k-and-457-catch-up-contributions/</loc>
    <lastmod>2025-10-21T12:24:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/news/newsletters/</loc>
    <lastmod>2026-02-26T14:25:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/security-awareness-image/</loc>
    <lastmod>2025-10-21T12:28:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-id-card-reminders-2026/</loc>
    <lastmod>2025-12-11T14:56:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/purchasing-service-credit-quick-tips/</loc>
    <lastmod>2025-10-21T13:17:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/quick-tip-videos/</loc>
    <lastmod>2025-10-21T13:21:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/life-and-job-changes/disability-benefits/</loc>
    <lastmod>2026-02-20T11:15:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-mobile-app/</loc>
    <lastmod>2025-10-21T13:25:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/topics/</loc>
    <lastmod>2026-03-31T08:19:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/eunice-botchway-4b2ad97/</loc>
    <lastmod>2025-10-21T13:30:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/board-and-leadership/</loc>
    <lastmod>2026-03-04T11:49:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/financial-reports-and-studies/</loc>
    <lastmod>2026-02-20T11:38:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/frequently-asked-questions-about-colorado-pera-for-retirees/</loc>
    <lastmod>2024-07-03T14:54:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/5-things-to-do-to-prepare-for-retirement/</loc>
    <lastmod>2025-10-21T13:33:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-to-choose-a-beneficiary-for-db-plan-participants/</loc>
    <lastmod>2025-10-21T13:35:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-investing-made-simple-workshop/</loc>
    <lastmod>2025-10-21T11:19:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-enrolling-in-a-peraplus-workshop/</loc>
    <lastmod>2024-05-14T17:48:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/benefit-basics/how-your-pera-benefit-is-calculated/</loc>
    <lastmod>2026-03-16T13:12:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/ready-to-retire/your-benefit-options-at-retirement/</loc>
    <lastmod>2026-01-15T08:27:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/benefit-basics/purchasing-service-credit/</loc>
    <lastmod>2026-02-20T10:50:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-information-medicare-webinar-resources/</loc>
    <lastmod>2025-11-19T14:03:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/benefit-information-webinar-resources/</loc>
    <lastmod>2026-03-27T10:56:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/perachoice-webinar-resources/</loc>
    <lastmod>2026-02-18T14:52:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investing-by-age-for-your-future/</loc>
    <lastmod>2025-10-21T13:58:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/health-benefits-peracare/over-age-65-medicare/</loc>
    <lastmod>2026-02-20T11:25:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/taxes-on-benefits/1099-rs/</loc>
    <lastmod>2026-02-20T11:31:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/life-and-job-changes/survivor-benefits/</loc>
    <lastmod>2026-02-20T11:16:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/ready-to-retire/how-to-retire/</loc>
    <lastmod>2026-02-20T10:44:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/pera-frequently-asked-questions/</loc>
    <lastmod>2026-02-20T11:38:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/ready-to-retire/when-can-i-retire/</loc>
    <lastmod>2026-02-20T10:44:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/booklets-and-fact-sheets/</loc>
    <lastmod>2026-02-20T11:37:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/taxes-on-benefits/</loc>
    <lastmod>2026-02-20T11:31:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investments/divestment/</loc>
    <lastmod>2026-03-20T12:14:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investments/investment-stewardship/</loc>
    <lastmod>2026-02-20T11:34:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/vimeo-video-library/</loc>
    <lastmod>2024-05-15T08:19:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/affiliating-with-pera/employer-contribution-rates/</loc>
    <lastmod>2026-02-20T13:20:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/life-and-job-changes/divorce-domestic-relations-orders/</loc>
    <lastmod>2026-02-20T11:13:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/benefit-estimate-assumptions/</loc>
    <lastmod>2025-10-23T12:19:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/life-and-job-changes-after-retirement/working-after-retirement/</loc>
    <lastmod>2026-03-05T12:45:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-to-balance-saving-for-retirement-with-other-savings-goals/</loc>
    <lastmod>2025-10-21T14:00:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/new-members/new-members-with-the-option-to-choose-plans/</loc>
    <lastmod>2026-01-15T08:18:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/new-members/new-members-in-the-defined-benefit-plan/</loc>
    <lastmod>2026-01-15T08:18:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/benefit-information-faqs/retirement-benefits/</loc>
    <lastmod>2025-10-23T12:31:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings-appointments/</loc>
    <lastmod>2025-10-07T13:24:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/</loc>
    <lastmod>2026-02-20T11:36:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/financial-wellness-library/</loc>
    <lastmod>2025-10-21T14:02:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/tracy-marie-rushing/</loc>
    <lastmod>2025-06-17T12:52:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/the-benefits-of-pera-membership-start-well-before-you-retire/</loc>
    <lastmod>2025-10-21T14:06:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/images-for-emails/</loc>
    <lastmod>2025-10-21T14:07:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/asset-classes/</loc>
    <lastmod>2025-12-09T16:07:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-are-retirement-assets-divided-in-a-divorce/preparing-for-life-events/</loc>
    <lastmod>2025-10-23T14:28:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/consolidating-accounts-may-make-planning-easier/</loc>
    <lastmod>2025-10-21T14:12:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-is-investing/</loc>
    <lastmod>2025-10-21T14:43:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-percentage-of-your-income-should-go-toward-retirement/</loc>
    <lastmod>2025-10-21T14:45:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-purchasing-service-credit-webinar/</loc>
    <lastmod>2024-05-14T17:49:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-retirement-process-webinar/</loc>
    <lastmod>2024-05-14T17:50:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/don-t-hire-a-financial-professional-before-considering-these-points/</loc>
    <lastmod>2025-10-21T14:49:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-open-records-act-policy/</loc>
    <lastmod>2025-10-21T14:52:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-process-webinar-resources/</loc>
    <lastmod>2025-12-31T11:12:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/board-and-leadership/board-members/</loc>
    <lastmod>2025-11-20T14:41:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retiree-update/</loc>
    <lastmod>2025-12-15T14:29:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/why-you-should-start-saving-for-retirement-early-in-your-career/</loc>
    <lastmod>2025-10-21T15:01:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member-login-registration/</loc>
    <lastmod>2025-10-07T13:23:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/health-benefits-peracare/turning-65-planning-for-medicare/</loc>
    <lastmod>2026-02-20T11:26:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/mid-career/</loc>
    <lastmod>2026-01-15T08:20:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/legislation/ambassador-program/</loc>
    <lastmod>2025-10-23T07:16:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-to-plan-for-inflation-in-retirement/</loc>
    <lastmod>2025-10-23T07:18:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/health-benefits-peracare/peracare-carriers/</loc>
    <lastmod>2026-02-20T11:26:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/getting-on-a-path-to-financial-wellness/</loc>
    <lastmod>2025-10-23T07:23:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/can-you-tap-your-401-k-or-457-plan-for-a-short-term-loan/</loc>
    <lastmod>2025-10-23T07:26:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/5-things-to-do-to-prepare-for-retirement/getting-ready-to-retire/</loc>
    <lastmod>2025-10-23T07:30:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/consolidating-accounts-may-make-planning-easier/investing-basics/</loc>
    <lastmod>2025-10-23T07:32:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/health-benefits-peracare/under-age-65-over-age-65-combination-medicare-and-pre-medicare/</loc>
    <lastmod>2026-02-20T11:27:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-developing-a-savings-plan-workshop/</loc>
    <lastmod>2024-05-14T17:47:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-health-benefits-webinar-65/</loc>
    <lastmod>2024-05-14T17:48:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-health-benefits-webinar-under-65/</loc>
    <lastmod>2024-03-25T09:57:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-benefit-information-webinar/</loc>
    <lastmod>2024-05-14T17:47:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-retirement-choice-webinar/</loc>
    <lastmod>2024-05-14T17:50:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-new-member-webinar/</loc>
    <lastmod>2024-05-14T17:49:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-to-host-cfa-institute-research-challenge/</loc>
    <lastmod>2025-10-23T07:36:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/understanding-the-financial-impact-of-working-after-retirement/</loc>
    <lastmod>2025-09-02T09:00:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/leaving-a-pera-covered-job-faqs/</loc>
    <lastmod>2025-10-23T07:44:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/online-account-access-faqs/</loc>
    <lastmod>2025-10-23T07:47:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-planning-faqs/</loc>
    <lastmod>2025-10-23T07:50:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/pera-frequently-asked-questions/about-pera-faqs/</loc>
    <lastmod>2025-10-23T07:52:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/pera-frequently-asked-questions/peracare-faqs/</loc>
    <lastmod>2025-10-23T07:54:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/working-after-retirement-faqs/</loc>
    <lastmod>2025-10-23T07:56:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-options-cobeneficiary-faqs/</loc>
    <lastmod>2025-10-23T07:59:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/service-credit-faqs/</loc>
    <lastmod>2025-12-04T09:39:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/plan-information-faqs/</loc>
    <lastmod>2025-10-23T08:06:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment-stewardship-faqs/</loc>
    <lastmod>2025-10-23T08:12:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/benefit-information-faqs/</loc>
    <lastmod>2025-10-23T12:27:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/pera-frequently-asked-questions/employer-faqs/</loc>
    <lastmod>2025-10-23T08:33:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/benefit-estimate-assumptions/peraplus-401-k-457-plan-faqs/</loc>
    <lastmod>2025-10-23T12:21:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/pera-frequently-asked-questions/member-faqs/</loc>
    <lastmod>2025-10-23T08:47:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/perachoice-faqs/</loc>
    <lastmod>2025-10-23T08:54:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/pera-frequently-asked-questions/retiree-faqs/</loc>
    <lastmod>2025-10-23T10:49:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/pera-frequently-asked-questions/investment-faqs/</loc>
    <lastmod>2025-10-23T10:51:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/qa-with-the-pera-boards-new-vice-chair-taylor-mclemore/</loc>
    <lastmod>2025-09-02T10:34:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/request-for-proposals-rfp-for-alternatives-investment-research-access/</loc>
    <lastmod>2025-10-23T11:08:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/recap-of-pera-boards-january-meeting-2/</loc>
    <lastmod>2025-09-02T10:33:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/pera-board-of-trustees-elects-taylor-mclemore-board-vice-chair-ashley-smith-appointed-to-the-board-of-trustees/</loc>
    <lastmod>2025-10-23T11:13:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/colorado-pera-settles-with-tri-county-health-department-and-counties/</loc>
    <lastmod>2025-10-23T11:18:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2024-proposed-legislation-status/</loc>
    <lastmod>2025-09-02T10:32:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-to-expect-in-the-2024-legislative-session/</loc>
    <lastmod>2025-09-02T07:57:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/four-seats-on-pera-board-up-for-election-in-2024/</loc>
    <lastmod>2025-09-02T10:35:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news/candidacy-now-open-for-four-pera-board-seats/</loc>
    <lastmod>2025-10-27T12:46:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/year-in-review-top-articles-of-2023/</loc>
    <lastmod>2025-10-02T12:08:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/updated-tax-brackets-contribution-limits-other-changes-for-2024/</loc>
    <lastmod>2025-09-02T08:21:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/recap-of-pera-boards-november-2023-meeting/</loc>
    <lastmod>2025-09-02T10:37:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pension-review-commission-eyes-two-bills-for-2024-legislative-session/</loc>
    <lastmod>2025-10-02T11:18:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/national-retirement-security-month-highlights-importance-of-planning-for-future/</loc>
    <lastmod>2025-09-02T10:35:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/asset-liability-study-a-guide-to-building-a-strategic-portfolio/</loc>
    <lastmod>2025-06-17T15:24:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/recap-of-pera-boards-september-planning-session-meeting-2/</loc>
    <lastmod>2025-09-02T07:38:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-selects-firm-to-conduct-executive-director-search/</loc>
    <lastmod>2025-09-02T09:25:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-pera-prioritizes-financial-value-over-personal-or-political-values/</loc>
    <lastmod>2025-09-02T09:24:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-the-shift-away-from-pensions-has-affected-gen-xs-retirement-readiness/</loc>
    <lastmod>2025-09-02T09:23:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-receives-results-of-2022-financial-audit/</loc>
    <lastmod>2025-09-02T09:20:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-oversight-underway-at-state-capitol-between-legislative-sessions/</loc>
    <lastmod>2025-09-02T09:26:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-leaders-answer-member-questions-at-2023-town-halls/</loc>
    <lastmod>2025-09-02T09:40:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-by-the-numbers-a-closer-look-at-the-2022-annual-report/</loc>
    <lastmod>2025-09-02T10:31:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2023-pera-town-halls-scheduled-for-july-12/</loc>
    <lastmod>2025-09-02T09:42:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-announces-election-results-at-june-meeting/</loc>
    <lastmod>2025-09-02T10:30:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-releases-2022-annual-report/</loc>
    <lastmod>2025-09-02T10:31:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/an-update-on-2023-wep-gpo-legislation/</loc>
    <lastmod>2025-09-25T09:19:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/asset-classes-explained-alternatives/</loc>
    <lastmod>2025-06-17T13:22:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/asset-classes-explained-private-equity/</loc>
    <lastmod>2025-08-28T09:16:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/asset-classes-explained-real-estate/</loc>
    <lastmod>2025-06-17T12:53:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-legislators-pass-three-pera-related-bills-during-2023-legislative-session/</loc>
    <lastmod>2025-09-02T10:53:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/asset-classes-explained-fixed-income/</loc>
    <lastmod>2025-06-17T12:46:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-earns-certificate-of-excellence-for-annual-report/</loc>
    <lastmod>2025-09-02T10:53:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/asset-classes-explained-global-equity/</loc>
    <lastmod>2025-06-17T12:37:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-roles-do-the-general-assembly-and-board-play-at-pera/</loc>
    <lastmod>2025-09-02T08:07:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-discusses-board-election-legislation-at-march-meeting/</loc>
    <lastmod>2025-09-25T09:19:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/checking-in-on-legislative-activity-so-far-this-year/</loc>
    <lastmod>2025-09-02T10:55:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/test-your-knowledge-of-pera-benefits/</loc>
    <lastmod>2025-09-25T09:17:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/bill-to-repeal-wep-gpo-reintroduced-in-congress/</loc>
    <lastmod>2025-09-02T10:54:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/do-you-have-a-savings-plan-for-2023/</loc>
    <lastmod>2025-10-02T11:03:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/u-s-pension-benefits-played-important-economic-role-in-first-year-of-pandemic/</loc>
    <lastmod>2025-09-02T09:03:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/recap-of-pera-boards-january-2023-meeting/</loc>
    <lastmod>2025-09-02T10:52:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2023-proposed-legislation-status/</loc>
    <lastmod>2025-09-02T10:48:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/whats-in-secure-2-0/</loc>
    <lastmod>2025-10-02T13:40:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/candidacy-open-for-four-pera-board-seats-in-2023/</loc>
    <lastmod>2025-09-02T10:38:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/preparing-for-the-2023-colorado-legislative-session/</loc>
    <lastmod>2025-10-27T13:21:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/year-in-review-top-articles-of-2022/</loc>
    <lastmod>2025-10-02T13:44:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/recap-of-the-pera-boards-november-2022-meeting-2/</loc>
    <lastmod>2025-09-02T10:49:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/irs-to-begin-using-updated-form-w-4p-and-new-form-w-4r-in-2023/</loc>
    <lastmod>2025-09-02T10:50:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/esg-making-sense-of-alphabet-soup/</loc>
    <lastmod>2025-06-17T09:52:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/financial-education-resources-for-national-retirement-security-month/</loc>
    <lastmod>2025-09-02T10:51:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/report-medicare-advantage-plans-cost-less-provide-better-outcomes-than-traditional-medicare/</loc>
    <lastmod>2025-09-02T08:38:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peras-investment-stewardship-report-turns-five-years-old-2/</loc>
    <lastmod>2025-09-02T08:31:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-receives-clean-audit-at-legislative-audit-committee-hearing/</loc>
    <lastmod>2025-09-02T08:31:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-retirement-systems-like-pera-plan-for-the-biggest-financial-risks-retirees-face/</loc>
    <lastmod>2025-09-02T08:30:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-executives-answer-questions-from-members-retirees-at-virtual-town-halls/</loc>
    <lastmod>2025-09-02T08:30:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-benefits-contribute-billions-of-dollars-to-state-economy-support-thousands-of-jobs/</loc>
    <lastmod>2025-09-02T08:32:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-releases-2021-annual-report-at-june-meeting/</loc>
    <lastmod>2025-09-02T08:33:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/save-the-date-pera-town-halls-to-take-place-july-7/</loc>
    <lastmod>2025-09-02T08:37:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/explaining-the-role-of-actuaries-in-retirement-plans-like-pera/</loc>
    <lastmod>2025-06-16T20:28:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pensions-a-valuable-tool-in-efforts-to-solve-teacher-shortages/</loc>
    <lastmod>2025-09-02T08:36:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-lawmakers-pass-bill-making-up-225m-payment-to-pera/</loc>
    <lastmod>2025-09-02T08:35:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/honoring-the-important-work-of-colorados-public-employees/</loc>
    <lastmod>2025-09-02T08:20:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/bill-to-make-up-missed-225m-payment-to-pera-moving-through-legislature/</loc>
    <lastmod>2025-09-02T08:29:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/states-consider-reviving-closed-pensions-in-effort-to-recruit-retain-public-workers/</loc>
    <lastmod>2025-10-02T11:47:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peradvantage-sri-fund-a-sustainable-investing-option-for-401k-457-and-dc-plan-participants/</loc>
    <lastmod>2025-09-02T08:19:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-joins-other-public-plans-urging-action-on-drug-prices/</loc>
    <lastmod>2025-09-02T08:15:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-discusses-election-investments-at-march-meeting/</loc>
    <lastmod>2025-09-02T08:18:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/staying-the-course-peras-approach-to-market-volatility/</loc>
    <lastmod>2025-08-12T08:53:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-executive-director-ron-baker-reelected-to-board-of-council-of-institutional-investors/</loc>
    <lastmod>2025-09-02T08:21:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/checking-in-with-peras-public-and-government-affairs-manager/</loc>
    <lastmod>2025-09-02T08:28:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/whats-the-latest-on-federal-wep-gpo-legislation/</loc>
    <lastmod>2025-10-02T11:09:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/give-yourself-a-savings-checkup-during-america-saves-week/</loc>
    <lastmod>2025-09-02T08:23:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-offering-new-lifetime-income-options-to-dc-plan-participants/</loc>
    <lastmod>2025-09-02T08:27:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/we-heard-you-responding-to-member-feedback/</loc>
    <lastmod>2025-09-30T08:09:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/board-discusses-pera-related-bills-at-january-meeting/</loc>
    <lastmod>2025-09-02T08:23:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-launches-redesigned-website-with-better-navigation-other-improvements/</loc>
    <lastmod>2025-09-02T09:07:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2022-proposed-legislation-status/</loc>
    <lastmod>2025-09-02T09:15:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/study-defined-benefit-pensions-continue-to-be-more-cost-effective-than-401ks/</loc>
    <lastmod>2025-09-02T09:08:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/four-board-seats-up-for-election-in-2022/</loc>
    <lastmod>2025-09-02T09:06:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-to-expect-in-colorados-2022-legislative-session/</loc>
    <lastmod>2025-09-02T08:03:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-oversight-continues-between-legislative-sessions/</loc>
    <lastmod>2025-10-02T11:53:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/recap-of-the-pera-boards-november-2021-meeting/</loc>
    <lastmod>2025-10-02T11:09:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/whats-in-a-health-insurance-premium-comparing-retiree-health-care-costs/</loc>
    <lastmod>2025-09-02T07:45:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-to-know-about-peraplus-401k-457-dc-plans-in-2022/</loc>
    <lastmod>2025-09-02T07:52:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meet-the-new-vice-chair-of-peras-board-2/</loc>
    <lastmod>2025-08-28T15:26:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/legislative-committee-seeks-to-make-up-missed-225m-payment-to-pera/</loc>
    <lastmod>2025-09-02T09:17:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-working-to-cut-costs-as-medicare-advantage-enrollment-grows/</loc>
    <lastmod>2025-09-02T09:16:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-benefits-provide-economic-stability-during-uncertain-times/</loc>
    <lastmod>2025-09-02T09:17:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-continued-to-provide-cost-effective-service-during-challenging-year/</loc>
    <lastmod>2025-09-02T09:02:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-retirement-security-means-to-pera-members/</loc>
    <lastmod>2025-09-02T08:13:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-continues-to-press-for-innovation/</loc>
    <lastmod>2025-09-02T08:39:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-receives-clean-audit-positive-funding-assessment-at-committee-hearing/</loc>
    <lastmod>2025-09-02T08:37:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/survey-millennials-gen-x-especially-pessimistic-about-retirement-prospects/</loc>
    <lastmod>2025-09-02T09:09:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/proxy-voting-keeping-policy-current/</loc>
    <lastmod>2025-09-02T08:56:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/p4581/</loc>
    <lastmod>2025-09-02T08:55:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/burritos-boardrooms-and-ballots-the-story-of-one-shareholder-proposal/</loc>
    <lastmod>2025-09-02T09:01:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/thousands-participate-in-peras-interactive-town-hall-meetings/</loc>
    <lastmod>2025-09-02T09:18:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/recap-of-pera-boards-june-2021-meeting/</loc>
    <lastmod>2025-09-25T14:38:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-board-releases-2020-annual-report/</loc>
    <lastmod>2025-10-02T11:27:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/more-ways-to-connect-to-upcoming-pera-town-hall-meetings/</loc>
    <lastmod>2025-09-02T08:56:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/whats-so-hybrid-about-peras-db-plan/</loc>
    <lastmod>2025-09-25T11:47:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/nearly-1700-people-respond-to-reader-survey/</loc>
    <lastmod>2025-09-25T09:38:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/legislative-qa-with-peras-public-and-government-affairs-manager/</loc>
    <lastmod>2025-09-25T09:39:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/fighting-frauds-and-scams/</loc>
    <lastmod>2025-09-25T09:37:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2021-proposed-legislation-status/</loc>
    <lastmod>2025-09-25T10:14:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-good-is-financial-literacy/</loc>
    <lastmod>2025-09-25T10:28:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/recently-introduced-divestment-bill-would-affect-pera-investments/</loc>
    <lastmod>2025-09-25T10:14:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/evaluating-sustainability-in-peras-investment-portfolio/</loc>
    <lastmod>2025-09-25T09:36:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-selects-new-dc-plan-administrator-at-march-meeting/</loc>
    <lastmod>2025-09-25T11:47:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-you-need-to-know-about-the-upcoming-board-election/</loc>
    <lastmod>2025-09-02T07:48:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/national-attitudes-on-retirement-security-part-2/</loc>
    <lastmod>2025-09-25T09:42:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/issue-spotlight-responsible-investing/</loc>
    <lastmod>2025-09-25T11:11:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/national-attitudes-on-retirement-security-part-1/</loc>
    <lastmod>2025-09-25T09:41:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/drug-prices-continue-multi-year-climb/</loc>
    <lastmod>2025-09-25T09:41:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/america-saves-week-five-savings-tips-for-getting-finances-on-track/</loc>
    <lastmod>2025-10-02T11:57:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/wep-gpo-bill-introduced-in-d-c/</loc>
    <lastmod>2025-09-02T08:17:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/covid-19-vaccines-for-coloradans-what-you-need-to-know/</loc>
    <lastmod>2025-10-02T11:52:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/recap-of-pera-boards-january-meeting/</loc>
    <lastmod>2025-09-25T09:25:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/new-report-compares-inflation-to-annual-increase/</loc>
    <lastmod>2025-09-25T11:59:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meet-the-new-chair-of-peras-board/</loc>
    <lastmod>2025-09-25T09:22:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/the-year-ahead-for-colorados-legislature/</loc>
    <lastmod>2025-09-02T09:19:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/inaugural-facebook-live-event-attracts-hundreds/</loc>
    <lastmod>2025-09-25T09:35:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2020-experience-study-preparing-for-a-secure-future/</loc>
    <lastmod>2025-09-25T09:30:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/board-refreshes-peras-mission-vision/</loc>
    <lastmod>2025-10-27T12:52:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-recap-trustees-elect-new-chairman/</loc>
    <lastmod>2025-10-02T11:25:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/polis-budget-plan-includes-pera-direct-distribution/</loc>
    <lastmod>2025-09-25T09:31:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-election-results-mean-for-pera-members/</loc>
    <lastmod>2025-09-02T08:07:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/americans-underestimate-this-retirement-risk-do-you/</loc>
    <lastmod>2025-09-25T09:50:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/estate-plans-why-you-need-one-and-where-to-start/</loc>
    <lastmod>2025-09-25T09:31:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-planning-in-the-spotlight-this-october/</loc>
    <lastmod>2025-09-25T10:28:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/the-future-of-service-at-pera/</loc>
    <lastmod>2025-09-25T10:28:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-457-plan-reaches-1-billion-milestone/</loc>
    <lastmod>2025-09-25T09:43:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-furloughs-impact-pera-benefits/</loc>
    <lastmod>2025-09-25T10:24:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/recap-of-pera-boards-september-meeting/</loc>
    <lastmod>2025-09-25T13:26:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/the-25-year-investment-that-continues-to-flourish-part-2/</loc>
    <lastmod>2025-09-25T09:21:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/can-these-ideas-control-health-care-costs/</loc>
    <lastmod>2025-09-25T09:50:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/long-term-gain-the-25-year-investment-that-continues-to-flourish/</loc>
    <lastmod>2025-09-25T09:46:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-roundup-recession-effects-on-state-pensions/</loc>
    <lastmod>2025-09-25T09:49:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-its-made-peras-financial-report-part-2/</loc>
    <lastmod>2025-09-25T09:47:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-presents-at-legislative-audit-committee-hearing/</loc>
    <lastmod>2025-09-25T09:48:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-its-made-peras-financial-report/</loc>
    <lastmod>2025-09-25T11:15:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/the-importance-of-stewardship-in-uncertain-times/</loc>
    <lastmod>2025-09-02T10:49:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-retirees-have-a-big-effect-on-colorados-economy/</loc>
    <lastmod>2025-10-02T12:00:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/telephone-town-hall-addresses-member-questions/</loc>
    <lastmod>2025-09-25T10:17:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/online-perachoice-form-now-available-webinar-resources/</loc>
    <lastmod>2025-12-01T11:10:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2023-cem-results/</loc>
    <lastmod>2025-06-11T13:26:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2024-holidays/</loc>
    <lastmod>2025-10-21T11:38:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2024-irs-limits/</loc>
    <lastmod>2025-10-21T12:17:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2024-pera-contribution-rates-automatic-adjustment-provision/</loc>
    <lastmod>2025-10-21T11:41:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2024-pera-contribution-rates-defined-contribution-dc-supplement/</loc>
    <lastmod>2025-10-21T11:44:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2025-holidays/</loc>
    <lastmod>2025-09-04T09:36:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2025-irs-limits/</loc>
    <lastmod>2025-09-04T09:41:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2025-pera-contribution-rates-automatic-adjustment-provision/</loc>
    <lastmod>2025-09-04T11:12:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2025-pera-contribution-rates-defined-contribution-dc-supplement/</loc>
    <lastmod>2025-09-04T11:17:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2025-tax-data-submission/</loc>
    <lastmod>2026-03-30T15:42:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/2026-bank-holidays/</loc>
    <lastmod>2025-12-23T07:33:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/5-things-to-do-to-prepare-for-retirement/</loc>
    <lastmod>2025-10-21T13:33:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/5-things-to-do-to-prepare-for-retirement/getting-ready-to-retire/</loc>
    <lastmod>2025-10-23T07:30:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/</loc>
    <lastmod>2026-02-20T11:42:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/board-and-leadership/</loc>
    <lastmod>2026-03-04T11:49:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/board-and-leadership/board-meeting-archive/</loc>
    <lastmod>2026-03-27T12:41:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/board-and-leadership/board-meetings/</loc>
    <lastmod>2026-03-20T15:26:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/board-and-leadership/board-members/</loc>
    <lastmod>2025-11-20T14:41:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/board-and-leadership/leadership/</loc>
    <lastmod>2025-10-14T11:31:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/careers/</loc>
    <lastmod>2026-02-20T11:45:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/legislation/</loc>
    <lastmod>2026-03-26T10:03:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/legislation/ambassador-program/</loc>
    <lastmod>2025-10-23T07:16:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/news/</loc>
    <lastmod>2026-02-20T11:44:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/news/newsletters/</loc>
    <lastmod>2026-02-26T14:25:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/news/newsletters/member-report/</loc>
    <lastmod>2026-03-12T10:03:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/news/newsletters/peracare-insights/</loc>
    <lastmod>2026-02-10T12:47:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/news/pera-town-hall/</loc>
    <lastmod>2026-02-12T16:22:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/our-commitment-to-transparency/</loc>
    <lastmod>2025-12-12T14:40:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/about/pera-on-the-issues/</loc>
    <lastmod>2026-02-20T11:44:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/access-your-retiree-annual-statement-online/</loc>
    <lastmod>2025-09-04T14:55:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/access-your-tax-and-benefit-statements-any-time/</loc>
    <lastmod>2026-02-26T15:35:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/accessing-disability-coverage-through-pera-january-2025/</loc>
    <lastmod>2025-09-04T08:35:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/accrued-leave-payouts-and-pera-includable-salary/</loc>
    <lastmod>2025-09-09T08:50:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/additional-retirement-income-webinars/</loc>
    <lastmod>2025-08-28T14:54:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/affiliating-with-pera2/</loc>
    <lastmod>2025-06-20T12:30:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/after-retirement-quick-tips/</loc>
    <lastmod>2025-10-14T10:54:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/amy-c-mcgarrity/</loc>
    <lastmod>2025-09-09T08:37:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/amy-grant/</loc>
    <lastmod>2024-05-31T05:17:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/amy-mcgarrity-chief-investment-officer-honored-as-one-of-allocator-intels-top-50-women-in-investment-management/</loc>
    <lastmod>2025-10-23T12:13:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/annual-increase-reminder-97d69d9/</loc>
    <lastmod>2025-10-21T10:38:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/asset-allocation/</loc>
    <lastmod>2025-12-09T15:59:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/asset-classes/</loc>
    <lastmod>2025-12-09T16:07:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/benefit-estimate-assumptions/</loc>
    <lastmod>2025-10-23T12:19:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/benefit-estimate-assumptions/peraplus-401-k-457-plan-faqs/</loc>
    <lastmod>2025-10-23T12:21:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/benefit-information-faqs/</loc>
    <lastmod>2025-10-23T12:27:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/benefit-information-faqs/retirement-benefits/</loc>
    <lastmod>2025-10-23T12:31:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/benefit-information-webinar/</loc>
    <lastmod>2026-02-23T11:59:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/benefit-information-webinar-resources/</loc>
    <lastmod>2026-03-27T10:56:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/benefit-payment-dates-for-2026/</loc>
    <lastmod>2026-02-25T15:08:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/benefits-of-registering-with-your-carrier/</loc>
    <lastmod>2026-01-27T07:51:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/board-committees/</loc>
    <lastmod>2025-10-21T10:33:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/board-of-trustees-executive-committee-september-12-2024-meeting-agenda/</loc>
    <lastmod>2025-09-04T13:43:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/board-of-trustees-friday-june-21-2024-meeting-agenda/</loc>
    <lastmod>2025-09-04T15:28:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/boost-your-retirement-savings-with-peraplus/</loc>
    <lastmod>2025-10-14T13:48:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/boost-your-retirement-savings-with-peraplus-2/</loc>
    <lastmod>2024-10-08T09:31:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/build-connection-skills-and-purpose-through-volunteering/</loc>
    <lastmod>2025-09-02T14:49:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/by-the-numbers-peracare-open-enrollment-activity/</loc>
    <lastmod>2026-01-26T14:30:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/calling-all-carriers-issuing-a-request-for-proposal/</loc>
    <lastmod>2026-01-26T14:30:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/can-you-tap-your-401-k-or-457-plan-for-a-short-term-loan/</loc>
    <lastmod>2025-10-23T07:26:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/cccs-403b-faqs/</loc>
    <lastmod>2025-05-22T15:01:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/changes-to-pera-rules/</loc>
    <lastmod>2025-02-11T09:36:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/changes-to-pera-rules-2/</loc>
    <lastmod>2025-04-23T11:52:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/changes-to-stars-user-maintenance/</loc>
    <lastmod>2025-09-04T11:28:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/changes-to-the-retirement-process-revised-final-salary-report/</loc>
    <lastmod>2025-09-04T09:39:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/closed-session/</loc>
    <lastmod>2025-10-14T11:33:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/closure-of-pera-s-lone-tree-office-location/</loc>
    <lastmod>2025-10-21T11:36:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-open-records-act-policy/</loc>
    <lastmod>2025-10-21T14:52:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-announces-board-election-results/</loc>
    <lastmod>2024-12-26T10:27:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-board-approves-increase-in-operating-budget-to-fund-technology-upgrades-january-2025/</loc>
    <lastmod>2025-09-04T08:55:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/board-election-2025/</loc>
    <lastmod>2025-08-28T14:45:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/board-election-2026/</loc>
    <lastmod>2026-03-18T13:21:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-disability-benefits-a-built%e2%80%91in-protection-for-your-workforce/</loc>
    <lastmod>2026-03-30T15:42:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-releases-2024-investment-stewardship-report/</loc>
    <lastmod>2025-09-04T12:09:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-pera-selects-empower-as-defined-contribution-plan-recordkeeper/</loc>
    <lastmod>2025-09-09T08:16:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/colorado-public-employees-retirement-association-colorado-pera-technology-accessibility-statement/</loc>
    <lastmod>2025-11-04T10:40:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/consolidating-accounts-may-make-planning-easier/</loc>
    <lastmod>2025-10-21T14:12:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/consolidating-accounts-may-make-planning-easier/investing-basics/</loc>
    <lastmod>2025-10-23T07:32:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/contact-us/</loc>
    <lastmod>2026-02-20T11:46:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/copyright-and-trademark-notice/</loc>
    <lastmod>2025-10-16T11:49:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/coverage-for-covid-19-vaccines/</loc>
    <lastmod>2025-10-01T14:51:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/creating-a-budget/</loc>
    <lastmod>2025-10-16T11:21:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/declaring-a-critical-shortage/</loc>
    <lastmod>2025-09-15T11:18:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/defined-contribution-dc-plan/</loc>
    <lastmod>2025-10-16T12:02:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/developing-a-savings-plan-workshop/</loc>
    <lastmod>2025-10-21T10:44:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/did-you-know-peracare-by-the-numbers/</loc>
    <lastmod>2025-10-06T11:05:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/direct-deposit-available-for-your-pera-check-2/</loc>
    <lastmod>2025-12-16T08:38:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/do-i-need-disability-insurance/</loc>
    <lastmod>2025-10-21T11:15:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/do-you-need-life-insurance-after-you-retire/</loc>
    <lastmod>2025-10-21T11:22:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/don-t-hire-a-financial-professional-before-considering-these-points/</loc>
    <lastmod>2025-10-21T14:49:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/dont-lose-track-of-your-pera-retirement-income/</loc>
    <lastmod>2026-03-19T08:56:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/dont-miss-open-enrollment-for-pera-life-insurance-january-2025/</loc>
    <lastmod>2025-09-04T08:41:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer-forms-and-publications/</loc>
    <lastmod>2026-03-04T15:37:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer-login-1899d75/</loc>
    <lastmod>2024-03-13T10:19:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer-schedule-status/</loc>
    <lastmod>2025-10-23T12:40:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employer-videos/</loc>
    <lastmod>2025-10-21T11:00:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/</loc>
    <lastmod>2026-01-20T09:53:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/affiliating-with-pera/</loc>
    <lastmod>2026-02-20T10:21:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/affiliating-with-pera/affiliated-employers/</loc>
    <lastmod>2026-03-23T15:15:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/affiliating-with-pera/employer-contribution-rates/</loc>
    <lastmod>2026-02-20T13:20:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/affiliating-with-pera/gasb-reporting-standards/</loc>
    <lastmod>2026-03-24T15:18:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/employer-resources/</loc>
    <lastmod>2026-02-20T10:14:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/employer-resources/401-k-457-plans-peraplus-for-employers/</loc>
    <lastmod>2026-02-20T10:19:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/employer-resources/health-benefits-peracare-for-employers/</loc>
    <lastmod>2026-03-23T14:51:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/employer-resources/secure-2-0-act-resources-for-employers/</loc>
    <lastmod>2025-11-20T14:03:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/employer-resources/stars/</loc>
    <lastmod>2026-02-20T10:18:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/employer-toolkits/</loc>
    <lastmod>2026-02-27T15:25:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/training/</loc>
    <lastmod>2026-02-20T10:09:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/training/contribution-reporting/</loc>
    <lastmod>2026-02-20T10:11:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/employers/training/includable-salary/</loc>
    <lastmod>2026-03-04T15:50:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/eunice-botchway-4b2ad97/</loc>
    <lastmod>2025-10-21T13:30:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/exciting-changes-coming-to-the-employer-stars-portal-this-november/</loc>
    <lastmod>2025-09-10T19:56:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/external-manager-portal-login/</loc>
    <lastmod>2025-10-23T12:42:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/extra-extra-free-benefits-included-in-your-plan/</loc>
    <lastmod>2026-02-02T12:45:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/features-of-your-online-pera-account/</loc>
    <lastmod>2025-09-23T15:34:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/final-salary-report-reminders/</loc>
    <lastmod>2025-09-02T12:28:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/final-salary-report-training-video/</loc>
    <lastmod>2025-06-25T14:16:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/financial-wellness-library/</loc>
    <lastmod>2025-10-21T14:02:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/five-benefits-of-direct-deposit/</loc>
    <lastmod>2025-09-04T14:49:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/five-tips-for-online-safety/</loc>
    <lastmod>2025-10-21T10:40:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/</loc>
    <lastmod>2026-02-20T11:36:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/booklets-and-fact-sheets/</loc>
    <lastmod>2026-02-20T11:37:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/pera-frequently-asked-questions/</loc>
    <lastmod>2026-02-20T11:38:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/pera-frequently-asked-questions/about-pera-faqs/</loc>
    <lastmod>2025-10-23T07:52:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/pera-frequently-asked-questions/employer-faqs/</loc>
    <lastmod>2025-10-23T08:33:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/pera-frequently-asked-questions/investment-faqs/</loc>
    <lastmod>2025-10-23T10:51:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/pera-frequently-asked-questions/member-faqs/</loc>
    <lastmod>2025-10-23T08:47:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/pera-frequently-asked-questions/peracare-faqs/</loc>
    <lastmod>2025-10-23T07:54:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/pera-frequently-asked-questions/retiree-faqs/</loc>
    <lastmod>2025-10-23T10:49:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/financial-reports-and-studies/</loc>
    <lastmod>2026-02-20T11:38:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/member-and-retiree-forms/</loc>
    <lastmod>2026-03-27T09:59:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/video-library/</loc>
    <lastmod>2026-02-20T11:39:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/webinars/</loc>
    <lastmod>2025-10-30T10:15:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/webinars/webinar-library/</loc>
    <lastmod>2025-11-05T15:03:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/webinars/webinars-on-demand/</loc>
    <lastmod>2025-11-21T14:33:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-resources/webinars/webinars-on-demand/new-member-workshop/</loc>
    <lastmod>2025-09-29T14:05:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/forms-to-apply-for-retirement-quick-tips/</loc>
    <lastmod>2025-10-21T11:11:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/four-things-new-members-should-do/</loc>
    <lastmod>2025-10-27T13:18:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/frequently-asked-questions-about-colorado-pera-for-retirees/</loc>
    <lastmod>2024-07-03T14:54:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/frequently-asked-questions-about-peracare/</loc>
    <lastmod>2025-10-02T11:42:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/get-the-most-out-of-pera-view-your-member-dashboard/</loc>
    <lastmod>2025-10-23T12:46:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/getting-on-a-path-to-financial-wellness/</loc>
    <lastmod>2025-10-23T07:23:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/give-your-retirement-savings-a-boost-with-peraplus-january-2025/</loc>
    <lastmod>2025-09-04T08:46:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/glossary/</loc>
    <lastmod>2025-12-22T10:44:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/have-you-thought-about-pera-lately-9d9864a/</loc>
    <lastmod>2025-10-23T12:48:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/health-benefit-information-webinars/</loc>
    <lastmod>2025-05-27T09:24:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/health-benefits-webinar-65-or-over/</loc>
    <lastmod>2025-05-13T13:45:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/health-benefits-webinar-under-65/</loc>
    <lastmod>2025-05-13T13:46:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/health-benefits-webinar-under-65/peracare-information-pre-medicare-webinar-resources/</loc>
    <lastmod>2026-02-02T15:41:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/health-care-tax-forms-2/</loc>
    <lastmod>2026-02-03T13:48:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/help-your-employees-take-action-with-pera/</loc>
    <lastmod>2026-03-30T15:42:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/hiring-now/</loc>
    <lastmod>2025-10-21T11:29:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/</loc>
    <lastmod>2026-03-30T10:57:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/hon-rebecca-r-freyre/</loc>
    <lastmod>2024-07-03T12:54:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-are-retirement-assets-divided-in-a-divorce/</loc>
    <lastmod>2025-10-23T13:55:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-are-retirement-assets-divided-in-a-divorce/preparing-for-life-events/</loc>
    <lastmod>2025-10-23T14:28:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-does-pera-select-the-peracare-carriers/</loc>
    <lastmod>2025-06-27T09:10:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-does-peracare-compare-to-other-options/</loc>
    <lastmod>2025-10-01T13:46:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-pera-invests-in-your-future/</loc>
    <lastmod>2025-09-23T15:32:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-pera-selects-peracare-carriers/</loc>
    <lastmod>2026-02-26T10:12:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-private-equity-helps-us-secure-your-retirement/</loc>
    <lastmod>2025-10-01T09:13:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-to-balance-saving-for-retirement-with-other-savings-goals/</loc>
    <lastmod>2025-10-21T14:00:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-to-change-your-tax-withholding/</loc>
    <lastmod>2026-03-03T13:36:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-to-choose-a-beneficiary-for-db-plan-participants/</loc>
    <lastmod>2025-10-21T13:35:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-to-plan-for-inflation-in-retirement/</loc>
    <lastmod>2025-10-23T07:18:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-to-read-your-1099-r-2/</loc>
    <lastmod>2025-12-11T14:51:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/how-you-can-save-more-for-retirement/</loc>
    <lastmod>2026-02-26T13:09:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/images-for-emails/</loc>
    <lastmod>2025-10-21T14:07:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/important-changes-to-the-critical-shortage-and-140-day-designations-for-working-retirees/</loc>
    <lastmod>2025-09-09T13:23:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/inactive-member/</loc>
    <lastmod>2025-10-14T11:07:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/interested-in-becoming-a-pera-trustee/</loc>
    <lastmod>2025-02-05T14:34:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/introducing-the-peracare-insights-newsletter/</loc>
    <lastmod>2025-06-26T10:14:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/invest-in-your-future/</loc>
    <lastmod>2025-09-19T11:18:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investing-by-age-for-your-future/</loc>
    <lastmod>2025-10-21T13:58:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investing-by-age-for-your-future/saving-and-planning/</loc>
    <lastmod>2026-03-06T15:58:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investing-made-simple-workshop/</loc>
    <lastmod>2025-05-13T15:25:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment-stewardship-faqs/</loc>
    <lastmod>2025-10-23T08:12:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investment-stewardship-faqs/proxy-voting/</loc>
    <lastmod>2026-03-20T12:22:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investments/</loc>
    <lastmod>2026-03-16T15:48:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investments/defined-benefit-db-plan-assets/</loc>
    <lastmod>2026-02-20T11:33:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investments/defined-contribution-dc-plan-investments/</loc>
    <lastmod>2026-02-20T11:34:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investments/divestment/</loc>
    <lastmod>2026-03-20T12:14:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/investments/investment-stewardship/</loc>
    <lastmod>2026-02-20T11:34:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/is-it-pera-calling/</loc>
    <lastmod>2025-09-04T11:45:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/is-purchasing-service-credit-right-for-you/</loc>
    <lastmod>2025-09-23T15:31:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/its-time-for-open-enrollment/</loc>
    <lastmod>2025-10-01T15:03:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/keep-your-information-secure-this-tax-season-january-2025/</loc>
    <lastmod>2025-09-02T14:54:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/know-your-pera-benefits-better-with-informative-webinars/</loc>
    <lastmod>2025-10-23T14:36:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/leaving-a-pera-covered-job-faqs/</loc>
    <lastmod>2025-10-23T07:44:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/legislation-update/</loc>
    <lastmod>2025-10-23T14:41:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-voluntary-life-insurance-open-enrollment-april-1-may-31/</loc>
    <lastmod>2026-03-20T13:58:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/like-us-on-facebook/</loc>
    <lastmod>2025-10-21T10:58:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-benefit-information-webinar/</loc>
    <lastmod>2024-05-14T17:47:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-developing-a-savings-plan-workshop/</loc>
    <lastmod>2024-05-14T17:47:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-enrolling-in-a-peraplus-workshop/</loc>
    <lastmod>2024-05-14T17:48:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-health-benefits-webinar-65/</loc>
    <lastmod>2024-05-14T17:48:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-health-benefits-webinar-under-65/</loc>
    <lastmod>2024-03-25T09:57:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-investing-made-simple-workshop/</loc>
    <lastmod>2025-10-21T11:19:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-new-member-webinar/</loc>
    <lastmod>2024-05-14T17:49:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-purchasing-service-credit-webinar/</loc>
    <lastmod>2024-05-14T17:49:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-retirement-choice-webinar/</loc>
    <lastmod>2024-05-14T17:50:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/live-retirement-process-webinar/</loc>
    <lastmod>2024-05-14T17:50:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/log-in-for-earlier-access-to-tax-information-2/</loc>
    <lastmod>2025-12-12T14:10:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/meetings-appointments/</loc>
    <lastmod>2025-10-07T13:24:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member-login-registration/</loc>
    <lastmod>2025-10-07T13:23:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/new-member-journey/</loc>
    <lastmod>2025-10-07T13:20:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/nmw-resource-page/</loc>
    <lastmod>2025-10-15T10:42:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/new-pera-related-legislation/</loc>
    <lastmod>2024-08-13T13:47:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/new-pera-related-legislation-member-report/</loc>
    <lastmod>2024-10-08T09:59:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/new-pera-related-legislation-2025/</loc>
    <lastmod>2025-09-23T15:37:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/news-archives/</loc>
    <lastmod>2025-10-07T13:15:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/online-account-access-faqs/</loc>
    <lastmod>2025-10-23T07:47:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/open-enrollment-for-pera-life-insurance-begins-april-1/</loc>
    <lastmod>2025-10-23T14:43:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/patrick-lane/</loc>
    <lastmod>2024-06-04T09:47:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-westerra-fraud-prevention-workshop-resources/</loc>
    <lastmod>2025-08-28T14:40:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-adopts-new-strategic-plan/</loc>
    <lastmod>2025-09-23T15:38:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-announcement-videos/</loc>
    <lastmod>2025-10-21T11:08:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-basics/</loc>
    <lastmod>2025-10-16T11:28:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-adopts-new-strategic-asset-allocation-member-report/</loc>
    <lastmod>2025-09-04T11:38:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-changes/</loc>
    <lastmod>2025-09-04T09:17:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-election-results/</loc>
    <lastmod>2024-08-13T12:44:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-board-election-results-member-report/</loc>
    <lastmod>2024-10-08T09:28:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-completes-experience-study-revises-actuarial-assumptions/</loc>
    <lastmod>2025-09-02T15:03:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-expands-executive-leadership-team-january-2025/</loc>
    <lastmod>2025-09-04T08:51:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-is-with-you-every-step-of-the-way-throughout-your-career/</loc>
    <lastmod>2025-10-21T11:12:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/member-stories/</loc>
    <lastmod>2025-07-18T13:28:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-membership-of-substitutes-employed-by-a-third-party-employment-agency/</loc>
    <lastmod>2025-10-23T14:45:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-mobile-app/</loc>
    <lastmod>2025-10-21T13:25:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-on-the-go/</loc>
    <lastmod>2025-09-23T13:52:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-outperforms-peers/</loc>
    <lastmod>2025-09-19T11:37:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-releases-2024-annual-report/</loc>
    <lastmod>2025-09-23T15:38:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-retiree-independent-contractors/</loc>
    <lastmod>2025-10-14T11:00:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-includable-salary/</loc>
    <lastmod>2026-02-20T11:49:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-includable-salary-changes-information-for-employers/</loc>
    <lastmod>2025-09-09T08:19:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pera-s-lone-tree-office-closes/</loc>
    <lastmod>2025-10-14T11:14:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-quick-tips/</loc>
    <lastmod>2025-10-23T14:51:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-id-card-reminders-2026/</loc>
    <lastmod>2025-12-11T14:56:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-id-card-reminders-2/</loc>
    <lastmod>2025-09-04T10:24:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-information-medicare-webinar-resources/</loc>
    <lastmod>2025-11-19T14:03:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peracare-open-enrollment-begins-october-21/</loc>
    <lastmod>2025-09-04T15:05:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/perachoice-faqs/</loc>
    <lastmod>2025-10-23T08:54:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/perachoice-webinar-resources/</loc>
    <lastmod>2026-02-18T14:52:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-developing-a-savings-plan-resources/</loc>
    <lastmod>2025-10-15T11:08:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-enrolling-in-peraplus-401-k-457-resources/</loc>
    <lastmod>2026-02-04T13:25:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-enrolling-in-peraplus-401-k-457-resources/enrolling-in-peraplus-workshop/</loc>
    <lastmod>2025-10-21T10:50:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-investing-made-simple-resources/</loc>
    <lastmod>2025-10-16T12:25:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/peraplus-quick-tips/</loc>
    <lastmod>2025-10-16T11:37:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/plan-information-faqs/</loc>
    <lastmod>2025-10-23T08:06:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/planning-for-your-financial-future/</loc>
    <lastmod>2025-10-16T11:14:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/planning-to-retire-this-summer/</loc>
    <lastmod>2025-10-23T14:54:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pre-retirement-planning-workshop-2/</loc>
    <lastmod>2025-10-06T12:18:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/pre-retirement-planning-workshop-resources/</loc>
    <lastmod>2026-02-23T11:46:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/preparing-for-health-care-costs/</loc>
    <lastmod>2025-09-04T14:58:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/preparing-for-your-65th-birthday/</loc>
    <lastmod>2025-09-02T14:59:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/privacy-and-security-notice/</loc>
    <lastmod>2025-09-04T11:00:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/accrued-leave-payouts-and-pera-includable-salary-2/</loc>
    <lastmod>2025-09-04T09:46:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/protecting-your-assets/</loc>
    <lastmod>2025-10-23T14:56:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/purchasing-service-credit-quick-tips/</loc>
    <lastmod>2025-10-21T13:17:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/purchasing-service-credit-webinar/</loc>
    <lastmod>2026-02-23T11:56:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/purchasing-service-credit-webinar-resources/</loc>
    <lastmod>2025-10-15T10:53:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/q-and-a-with-peras-new-ceo-executive-director-member-report/</loc>
    <lastmod>2025-09-04T12:01:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/qa-with-peras-new-executive-director/</loc>
    <lastmod>2025-10-23T14:58:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/quick-tip-videos/</loc>
    <lastmod>2025-10-21T13:21:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/rate-changes/</loc>
    <lastmod>2025-09-16T08:26:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/ready-to-retire-quick-tips/</loc>
    <lastmod>2025-10-23T15:00:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/recordkeeper-services-rfp-questions-and-answers/</loc>
    <lastmod>2025-09-09T08:14:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-you-need-to-know-about-rmds-2/</loc>
    <lastmod>2025-09-04T10:20:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/reminder-changes-to-the-life-insurance-deduction-feedback-file/</loc>
    <lastmod>2025-09-09T08:46:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/reminder-contribution-reporting-for-retired-employees/</loc>
    <lastmod>2025-09-04T11:23:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/reminder-no-automatic-adjustment-contribution-rate-change-in-july-2024/</loc>
    <lastmod>2025-09-09T08:40:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/reminders-if-you-plan-to-work-after-retirement/</loc>
    <lastmod>2025-09-23T15:40:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/reminders-regarding-pera-retirees-returning-to-work-in-their-effective-month-of-retirement/</loc>
    <lastmod>2025-10-21T11:33:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/resource-links-for-your-employees/</loc>
    <lastmod>2025-10-16T11:43:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retiree-report/</loc>
    <lastmod>2026-03-05T13:09:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retiree-update/</loc>
    <lastmod>2025-12-15T14:29:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/</loc>
    <lastmod>2026-02-20T11:18:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/benefit-basics-for-retirees/</loc>
    <lastmod>2026-02-20T11:18:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/benefit-basics-for-retirees/annual-benefit-increases/</loc>
    <lastmod>2026-02-20T11:21:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/benefit-basics-for-retirees/pera-and-social-security/</loc>
    <lastmod>2025-10-28T11:15:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/health-benefits-peracare/</loc>
    <lastmod>2026-02-20T11:22:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/health-benefits-peracare/over-age-65-medicare/</loc>
    <lastmod>2026-02-20T11:25:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/health-benefits-peracare/peracare-carriers/</loc>
    <lastmod>2026-02-20T11:26:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/health-benefits-peracare/turning-65-planning-for-medicare/</loc>
    <lastmod>2026-02-20T11:26:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/health-benefits-peracare/under-age-65-pre-medicare/</loc>
    <lastmod>2026-03-03T09:05:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/health-benefits-peracare/under-age-65-over-age-65-combination-medicare-and-pre-medicare/</loc>
    <lastmod>2026-02-20T11:27:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/life-and-job-changes-after-retirement/</loc>
    <lastmod>2025-10-28T11:28:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/life-and-job-changes-after-retirement/working-after-retirement/</loc>
    <lastmod>2026-03-05T12:45:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/peraplus-401-k-457-plans/</loc>
    <lastmod>2026-03-25T08:06:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/taxes-on-benefits/</loc>
    <lastmod>2026-02-20T11:31:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirees/taxes-on-benefits/1099-rs/</loc>
    <lastmod>2026-02-20T11:31:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-benefit-calculator/</loc>
    <lastmod>2024-06-03T12:24:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-checklist-quick-tips/</loc>
    <lastmod>2025-10-14T10:53:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-choice-webinar/</loc>
    <lastmod>2025-10-14T11:04:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-options-cobeneficiary-faqs/</loc>
    <lastmod>2025-10-23T07:59:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-planning-faqs/</loc>
    <lastmod>2025-10-23T07:50:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-planning-webinars/</loc>
    <lastmod>2026-02-12T09:58:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-process-webinar/</loc>
    <lastmod>2026-02-23T11:54:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/retirement-process-webinar-resources/</loc>
    <lastmod>2025-12-31T11:12:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/roth-update-for-cap-plans/</loc>
    <lastmod>2025-09-15T11:24:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/rule-changes-webinar-resources/</loc>
    <lastmod>2025-09-02T14:28:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/rulemaking/</loc>
    <lastmod>2025-09-04T09:53:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/rulemaking-member-report/</loc>
    <lastmod>2024-10-16T12:51:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/secure-act-2-0-webinar-resources/</loc>
    <lastmod>2025-09-04T07:51:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/secure-2-0-changes-to-401-k-and-457-catch-up-contributions/</loc>
    <lastmod>2025-10-21T12:24:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/secure-2-0-changes-to-401k-and-457-catch-up-contributions-and-roth-option-requirement-2/</loc>
    <lastmod>2025-04-21T15:44:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/secure-2-0-changes-to-401k-and-457-catch-up-contributions-and-roth-option-requirement/</loc>
    <lastmod>2025-09-04T09:50:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/security-awareness-image/</loc>
    <lastmod>2025-10-21T12:28:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/security-disclosure/</loc>
    <lastmod>2025-10-14T11:38:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/serve-on-peras-board-of-trustees/</loc>
    <lastmod>2026-02-20T15:18:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/service-credit-faqs/</loc>
    <lastmod>2025-12-04T09:39:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/skip-the-wait-and-go-online/</loc>
    <lastmod>2025-10-07T13:16:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/social-media-policies/</loc>
    <lastmod>2025-10-16T11:31:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/social-security-and-you-what-to-know-as-a-pera-member/</loc>
    <lastmod>2025-10-27T13:11:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/social-security-and-your-pera-benefit/</loc>
    <lastmod>2025-09-16T15:11:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/social-security-fairness-act-wep-gpo-faqs/</loc>
    <lastmod>2025-09-04T08:00:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/congress-passes-social-security-fairness-act-january-2025/</loc>
    <lastmod>2025-09-04T09:11:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/social-security-form-update/</loc>
    <lastmod>2025-09-02T12:15:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/ssn-verification-tool-overview/</loc>
    <lastmod>2025-12-23T10:28:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/stay-informed-on-2025-legislation-affecting-pera/</loc>
    <lastmod>2025-09-04T08:59:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/stay-updated-on-2026-legislation-affecting-pera/</loc>
    <lastmod>2026-02-17T12:49:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/staying-active-in-retirement/</loc>
    <lastmod>2026-03-10T09:20:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/stewardship-videos/</loc>
    <lastmod>2025-10-28T09:17:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/streamline-your-benefit-with-direct-deposit/</loc>
    <lastmod>2025-10-14T10:42:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/strength-in-change-deduction-update/</loc>
    <lastmod>2025-09-23T15:41:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/substitute-teacher-vendor-update-and-appreciation/</loc>
    <lastmod>2025-09-04T11:09:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/support-your-passion-and-volunteer/</loc>
    <lastmod>2025-09-04T14:28:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/take-charge-of-your-pera-benefits-join-a-webinar/</loc>
    <lastmod>2025-09-04T11:56:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/taxes-and-pera-benefits-2/</loc>
    <lastmod>2025-12-09T16:02:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/taxes-and-public-safety-officers-2/</loc>
    <lastmod>2025-12-10T10:09:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/terminations-common-misconceptions/</loc>
    <lastmod>2025-09-02T13:21:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/the-benefits-of-pera-membership-start-well-before-you-retire/</loc>
    <lastmod>2025-10-21T14:06:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/timothy-m-o-brien-099d5f3/</loc>
    <lastmod>2025-10-14T11:19:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/topics/</loc>
    <lastmod>2026-03-31T08:19:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/topics/topics-may-2024/</loc>
    <lastmod>2024-06-26T08:24:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/tracy-marie-rushing/</loc>
    <lastmod>2025-06-17T12:52:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/trina-ruhland-d7b7743/</loc>
    <lastmod>2025-10-14T13:40:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/troubleshooting-zoom-sessions/</loc>
    <lastmod>2025-05-27T14:36:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/understanding-roles-and-responsibilities-within-peracare/</loc>
    <lastmod>2025-10-01T13:18:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/upcoming-board-electionf-1d6596/</loc>
    <lastmod>2025-10-28T09:23:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/upcoming-board-election-f1d6596/</loc>
    <lastmod>2026-02-04T10:28:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/upcoming-dates-to-remember-2/</loc>
    <lastmod>2025-12-09T16:00:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/upcoming-open-enrollment-for-peracare/</loc>
    <lastmod>2025-09-23T15:33:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/rulemaking-january-2025/</loc>
    <lastmod>2025-09-04T09:06:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/update-for-substitute-waret-critical-shortage/</loc>
    <lastmod>2025-06-26T11:22:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/update-on-hiring-for-peras-new-executive-director/</loc>
    <lastmod>2025-10-28T09:25:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/updated-resources-for-employers/</loc>
    <lastmod>2025-12-23T07:47:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/updates-on-legislation-affecting-pera/</loc>
    <lastmod>2025-10-28T09:30:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/updates-on-the-social-security-fairness-act/</loc>
    <lastmod>2025-09-23T15:35:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/updating-your-beneficiaries/</loc>
    <lastmod>2026-02-17T11:06:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/use-pera-calculators-to-plan-for-retirement/</loc>
    <lastmod>2026-02-17T10:59:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/view-gasb-financial-reports-on-stars/</loc>
    <lastmod>2025-09-10T19:57:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/vimeo-video-library/</loc>
    <lastmod>2024-05-15T08:19:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/we-hear-you-peracare-survey-results/</loc>
    <lastmod>2026-02-25T15:38:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/we-want-to-hear-your-story/</loc>
    <lastmod>2025-09-04T12:27:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/webinar-guide-new-members-in-the-pera-defined-benefit-plan/</loc>
    <lastmod>2025-09-29T13:47:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/webinar-guide-new-members-with-the-option-to-choose-plans/</loc>
    <lastmod>2025-09-29T09:07:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/webinar-guide-new-to-pera/</loc>
    <lastmod>2025-09-02T11:44:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/webinar-guide-additional-topics/</loc>
    <lastmod>2025-09-02T11:15:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/</loc>
    <lastmod>2026-02-18T14:22:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/benefit-basics/</loc>
    <lastmod>2026-02-20T10:48:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/benefit-basics/highest-average-salary-tables/</loc>
    <lastmod>2026-02-20T10:47:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/benefit-basics/how-your-pera-benefit-is-calculated/</loc>
    <lastmod>2026-03-16T13:12:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/benefit-basics/interest-on-member-accounts/</loc>
    <lastmod>2026-02-20T11:10:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/benefit-basics/member-contribution-rates/</loc>
    <lastmod>2026-02-20T10:49:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/benefit-basics/purchasing-service-credit/</loc>
    <lastmod>2026-02-20T10:50:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/life-and-job-changes/</loc>
    <lastmod>2026-02-20T11:10:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/life-and-job-changes/disability-benefits/</loc>
    <lastmod>2026-02-20T11:15:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/life-and-job-changes/divorce-domestic-relations-orders/</loc>
    <lastmod>2026-02-20T11:13:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/life-and-job-changes/inactive-members/</loc>
    <lastmod>2026-03-27T09:59:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/life-and-job-changes/leaving-employment/</loc>
    <lastmod>2026-03-31T09:04:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/life-and-job-changes/leaving-employment/refunds-and-rollovers/</loc>
    <lastmod>2026-03-31T15:53:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/life-and-job-changes/life-insurance/</loc>
    <lastmod>2026-02-20T11:17:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/life-and-job-changes/survivor-benefits/</loc>
    <lastmod>2026-02-20T11:16:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/mid-career/</loc>
    <lastmod>2026-01-15T08:20:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/my-pera-account/</loc>
    <lastmod>2026-01-15T08:14:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/new-members/</loc>
    <lastmod>2026-01-15T08:15:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/new-members/new-members-in-the-defined-benefit-plan/</loc>
    <lastmod>2026-01-15T08:18:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/new-members/new-members-with-the-option-to-choose-plans/</loc>
    <lastmod>2026-01-15T08:18:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/ready-to-retire/</loc>
    <lastmod>2026-02-20T10:43:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/ready-to-retire/how-to-retire/</loc>
    <lastmod>2026-02-20T10:44:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/ready-to-retire/when-can-i-retire/</loc>
    <lastmod>2026-02-20T10:44:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/welcome-pera-members/ready-to-retire/your-benefit-options-at-retirement/</loc>
    <lastmod>2026-01-15T08:27:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-is-investing/</loc>
    <lastmod>2025-10-21T14:43:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-is-peracare/</loc>
    <lastmod>2025-06-13T10:53:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-percentage-of-your-income-should-go-toward-retirement/</loc>
    <lastmod>2025-10-21T14:45:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-to-expect-for-medicare-advantage-in-2025/</loc>
    <lastmod>2025-09-04T15:00:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-to-expect-for-peracare-in-2026/</loc>
    <lastmod>2025-06-27T08:09:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/what-you-need-to-know-about-rmds-030bc70/</loc>
    <lastmod>2025-12-10T10:34:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/when-and-how-much-quick-tips/</loc>
    <lastmod>2025-10-14T10:57:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/why-switch-to-direct-deposit/</loc>
    <lastmod>2025-12-09T12:06:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/why-you-should-seriously-consider-enrolling-in-a-peraplus-plan/</loc>
    <lastmod>2025-10-21T11:24:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/why-you-should-start-saving-for-retirement-early-in-your-career/</loc>
    <lastmod>2025-10-21T15:01:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/working-after-retirement-faqs/</loc>
    <lastmod>2025-10-23T07:56:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/working-after-retirement-limit-exemptions-and-designation-reminders/</loc>
    <lastmod>2025-10-16T12:09:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/working-after-retirement-overview/</loc>
    <lastmod>2025-09-04T14:33:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/working-after-retirement-rule-updates/</loc>
    <lastmod>2025-09-02T12:04:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/working-after-retirement-webinar-resources/</loc>
    <lastmod>2025-05-22T14:34:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/working-after-retirement-rules-to-know/</loc>
    <lastmod>2026-02-25T15:24:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/working-after-retirement-substitute-teachers/</loc>
    <lastmod>2025-09-04T14:40:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/you-have-disability-coverage-through-pera/</loc>
    <lastmod>2025-06-13T12:04:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/your-online-pera-account-convenient-and-secure/</loc>
    <lastmod>2025-09-02T14:43:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/your-pera-journey-videos/</loc>
    <lastmod>2025-10-21T10:31:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://copera.org/your-questions-answered/</loc>
    <lastmod>2025-09-23T13:51:19+00:00</lastmod>
  </url>
</urlset>