Obtain information, make changes, or submit requests for your retirement account through the member self-service (MSS) portal which is available 24/7. MSS allows you to perform several tasks including review and update beneficiaries, check your contribution balance, verify your service credit, request to establish reciprocal service, and apply ... ABOUT APERS. APERS' mission is to provide income to retired members, to survivors and to disabled members of the system. To this end, the system prudently invests all contributions received, monitors reporting by participating employers, maintains records and disburses monthly benefit checks to all those entitled. READ MORE. Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member or an APERS participating employer. 124 W. Capitol, Suite 400 Little Rock, AR 72201 (501) 682 7800 (Pulaski County) (800) 682-7377 (toll free) Version 10.0-mss V310 v1.0.0.0.0 Copyright © 2013. Vitech Systems Group, Inc. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member or an APERS participating employer. 124 W. Capitol, Suite 400 Little Rock, AR 72201 The Arkansas Public Employees Retirement System ( APERS ) serves more than 95,000 active state employees, retirees, and beneficiaries. Founded in 1957, APERS provides … Version 10.0-mss V310 v1.0.0.0.0 Copyright © 2013. Vitech Systems Group, Inc. Arkansas Public Employees Retirement System, Little Rock, Arkansas. 2,930 likes · 1 talking about this · 35 were here. Founded in 1957, APERS provides retirement, disability, and death benefits to... must be 55 years of age at the time of early retirement, must have 10 years of eligible full-time service at UAFS, must have been enrolled in the university health plan for 10 consecutive years, and; must be receiving retirement benefits from APERS, ATRS, TIAA, or Fidelity. E.5.5.1 Benefits. Qualified retirees are eligible for the following ...Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member, or an APERS participating employer. Announcements. 02/12/24 - APERS Quarterly Board Meeting - Wednesday, February 21 st at 9:00 am, for the ...Arkansas Public Employees Retirement System, Little Rock, Arkansas. 2,931 likes · 2 talking about this · 35 were here. Founded in 1957, APERS provides retirement, disability, and death benefits to...Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member, or an APERS participating employer. Announcements. 02/12/24 - APERS Quarterly Board Meeting - Wednesday, February 21 st at 9:00 am, for the ...The Arkansas Public Employees Retirement System ( APERS ) serves more than 95,000 active state employees, retirees, and beneficiaries. Founded in 1957, APERS provides retirement, disability, and death benefits. Participating employers include state departments, all counties, over 100 municipal entities, and school districts. Arkansas Public Employees Retirement System, Little Rock, Arkansas. 2,930 likes · 1 talking about this · 35 were here. Founded in 1957, APERS provides retirement, disability, and death benefits to... Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member or an APERS participating employer. 124 W. Capitol, Suite 400 Little Rock, AR 72201 (501) 682 7800 (Pulaski County) (800) 682-7377 (toll free)Arkansas Public Employees Retirement System, Little Rock, Arkansas. 2,931 likes · 2 talking about this · 35 were here. Founded in 1957, APERS provides retirement, …Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member, or an APERS participating employer. Announcements. 02/12/24 - APERS Quarterly Board Meeting - Wednesday, February 21 st at 9:00 am, for the ...Jul 24, 2020 · Webinar Schedule. Below are the current dates we have scheduled for 2024. We will continue adding dates as they are scheduled, so check back if you need a later session. You must register for an educational session through the MSS portal (see the previous page for instructions). If your presentation is a webinar, an invitation to join the Zoom ... All three of UCA’s retirement investment vendors offer tools, resources and counseling to help you meet your financial goals for retirement. ... Arkansas Public Employees Retirement System (APERS) No longer offered to new hires as of 2016. 501-682-7800 or 501-682-7377 124 W. Capitol, Suite 400 Little Rock, Ar 72201.Arkansas Public Employees Retirement System, Little Rock, Arkansas. 2,931 likes · 2 talking about this · 35 were here. Founded in 1957, APERS provides retirement, disability, and death benefits to...Hours of Operation. Boise Office Monday – Friday | 8:00 a.m. to 5:00 p.m. MT. Coeur d’Alene Office Monday – Friday | 8:00 a.m. to 5:00 p.m. PT Arkansas Public Employees Retirement System, Little Rock, Arkansas. 2,930 likes · 1 talking about this · 35 were here. Founded in 1957, APERS provides retirement, disability, and death benefits to... Jan 7, 2009 · Can I return to work for an APERS-Covered Employer? Yes, if you meet certain requirements: Retired on/before 06/30/2009, can go back to work after 90 days. Retired between 07/01/2009 and 03/31/2011, can go back to work after 180 days. Retired on/after 04/01/2011, can go back to work after 1 year. Note: Act 378 of 2013 prohibits any county ... Arkansas Public Employees’ Retirement System Termination of Employment Refund Request Form RR 124 West Capitol Ave, Ste 400 • Little Rock AR 72201 • (800)682-7377 Phone• (501)682-7843 Fax I. Member Information SSN: Member Name: Date of Birth: Mailing Address: Daytime Phone: City, State, Zip Code: II. Member Election 2024 Retirement Plan Limits: IRS limits for voluntary contributions to 403(b) and 457(b) are $23,000 for 2024.Employees 50 or over may contribute an additional $7,500 to each plan. To increase your contributions complete the retirement contribution form and return to your Human Resource Office.. Arkansas State University benefit eligible employees hired …Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member, or an APERS participating employer. Announcements. 02/12/24 - APERS Quarterly Board Meeting - Wednesday, February 21 st at 9:00 am, for the ...and your retirement election form. APERS deductions will begin the following month. For example, the retirement date is 2/1/2023, your form is processed on 1/16/2023, your deduction begins on 3/1/2023, and you must mail in February's health insurance premium. APERS Retirees Medicare retirees have an Open Enrollment period …Jul 24, 2020 · Webinar Schedule. Below are the current dates we have scheduled for 2024. We will continue adding dates as they are scheduled, so check back if you need a later session. You must register for an educational session through the MSS portal (see the previous page for instructions). If your presentation is a webinar, an invitation to join the Zoom ... Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member, or an APERS participating employer. Announcements. 02/12/24 - APERS Quarterly Board Meeting - Wednesday, February 21 st at 9:00 am, for the ...(for any APERS member who has less than 5 years of service) Dates Times September 26, 2023 10:00 a.m. Road to Retirement Seminar (for any APERS member who is vested for benefits) Dates Times October 11, 2023 10:00 a.m. Retirement: How Do You Get There? (for any active APERS member) Dates Times October 5, 2023* 10:00 a.m. November 7, …APERS. 80. Percentage of pre-retirement income from all income sources that is considered adequate for a secure retirement. $13,644. Average annual pension benefit for an APERS retiree. All data come from either APERS or the National Institute on Retirement Security. 17,395 . Jobs created from pension income spending by Arkansas state and localAPERS Retirement Section Manager. Ms. Linda McGrath, APERS Adm inistrative Specialist. NEWS MEDIA NOTIFIED: An e-mail with notification of the Arkansas Public Employees’ Retirement System Board meeting was sent to he Arkansas Democt rat-Gazette, the Associated Press, Television Station Also, be aware that if your account is dormant (no logins) for one year it is automatically deactivated and you will need to call us at (501) 682-7800 or (800) 682-7377 to reactivate it. For questions about seminars or problems registering, call APERS Educational Outreach at (501) 682-7806. Click here for instructions on creating your MSS account. Who do I contact for more information on DROP? For more information about DROP, you can contact Member Services by phone or in writing. Arkansas Public Employees Retirement System. 124 W. Capitol Ave., Suite 400. Little Rock, AR 72201. 501-682-7800 Local Phone. 1-800-682-7377 Toll Free.Find out how to retire from APERS, what benefits you can choose, and when to file for retirement. Get helpful information, FAQs, seminars, and counseling for …Jan 25, 2021 · 124 W. Capitol, Suite 400 Little Rock, AR 72201 (501) 682 7800 (Pulaski County) (800) 682-7377 (toll free) Follow us on Facebook 12 test Capitol, Suite 00 Lile Rock, AR 2201-0 501-2-00 1-00-2- www.apers.org Visit us online at www.apers.org Retirement Date Earliest Filing Date Latest Filing Date November 1, 2022 August 3, 2022 October 3, 2022 December 1, …Version 10.0-mss V310 v1.0.0.0.0 Copyright © 2013. Vitech Systems Group, Inc.APERS retirement after five years of service. You also get a take-home patrol vehicle; a family working atmosphere; equal opportunity to excel; and administration with an open-door policy for all employees. Applicants residing within a reasonable distance of Faulkner County are encouraged to apply. About the Arkansas Division of Workforce ServicesAPERS. 124 West Capitol, Suite 400 • Little Rock, AR 72201-3704 501-682-7800 • 1-800-682-7377 • www.apers.org.Apply for Retirement Benefits. 124 West Capitol, Suite 400 Little Rock, AR 72201‐3704 501‐682‐7800 / 800‐682‐7377. WWW.APERS.ORG. To retire completely from your APERS-covered employment or enter the Deferred Retirement Option Plan (DROP), you will need to apply for benefits from APERS. There are two ways to reach the Benefit ...ATRS gained more than a billion dollars in value in fiscal 2023, and its strong and diverse performance over the past few years helped persuade the Arkansas Public …Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member, or an APERS participating … How do I start the retirement process? You can apply for benefits (regular retirement or disability) through the member portal or by filing a written application by mail or in person. For a copy of the application, contact APERS. Find out how to retire from APERS, what benefits you can choose, and when to file for retirement. Get helpful information, FAQs, seminars, and counseling for … Arkansas Public Employees Retirement System 124 W. Capitol Ave., Suite 400 Little Rock, AR 72201 501-682-7800 Local Phone 1-800-682-7377 Toll Free. The Retirement Seminar is for any APERS member . who is vested for benefits and wants to know more . about the retirement system and understand what benefits and options are available for retirement. You will receive information about reciprocity, service credit purchases, the benefit formula, and retirement eligibility. Retirement Readiness ...Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member, or an APERS participating employer. Announcements. 02/12/24 - APERS Quarterly Board Meeting - Wednesday, February 21 st at 9:00 am, for the ... 124 West Capitol, Suite 400 Little Rock, AR 72201-3704 501-682-7800 / 1-800-682-7377 WWW.APERS.ORG Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member or an APERS participating employer. 124 W. Capitol, Suite 400 Little Rock, AR 72201 (501) 682 7800 (Pulaski County) (800) 682-7377 (toll free)Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member, or an APERS participating employer. Announcements. 02/12/24 - APERS Quarterly Board Meeting - Wednesday, February 21 st at 9:00 am, for the ...ATRS’ investment losses amounted to nearly 4%, but the fiscal 2021 gain was a whopping 32%. The APERS fund declined to $10.56 billion in fiscal 2022, off 10.5%. But it, too, was coming off a blockbuster 2021, when the fund rose 31.5% and was up by $1.5 billion. “You know, fiscal year ’22 was a bad year for everyone,” Fecher said.The State of Arkansas-authorized retirement systems or plans listed below are reciprocal systems: • The Arkansas Teacher Retirement System (ATRS), • The Arkansas Public …APERS forecasts your ‘normal’ retirement date based on age OR service credit, whichever qualifies you first. This is the earliest date that you meet requirements for a normal retirement. Working beyond this point could have significant financial benefits that are worth exploring in advance, such as DROP, PAW, or even a higher benefit multiplier for long …The State of Arkansas-authorized retirement systems or plans listed below are reciprocal systems: • The Arkansas Teacher Retirement System (ATRS), • The Arkansas Public …Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member or an APERS participating employer. 124 W. Capitol, Suite 400 Little Rock, AR 72201 (501) 682 7800 (Pulaski County) (800) 682-7377 (toll free)Consult a retirement counselor for an estimate of your potential monthly retirement annuity. Study the benefit option plans available from APERS. You may select Straight Life, Option A-60, Option A-120, Option B-50, or Option B-75. Consider how retirement will …CAPTCHA. Email. This field is for validation purposes and should be left unchanged. Email: [email protected]. Address:2/12 Abercrombie Street, Rocklea, Brisbane, QLD. Phone: 1300 852 148. ©2023 APERS. APERS is a specialist provider of Personal Emergency Response Systems and a range of other medical devices Australia-wide, 24/7 live …1. Service in other Arkansas state-supported retirement systems (reciprocal service) APERS can recognize your credited service from other Arkansas state-supported retirement systems. Through reciprocal agreements, your credited service in these systems can be combined with your APERS service to help you meet the 28-year requirement for DROP At retirement, APERS members can choose between five different benefit options, or ways to structure their retirement benefits (not including PAW or DROP). They are Straight Life, A-120, A-60, B-75, and B-50. Learn the features of each at our blog! To help you choose the benefit option best suited for yourself and your family at retirement ... Arkansas Public Employees’ Retirement System 124 W. Capitol Ave, Ste 400 Little Rock, AR 72201 Requesting a Termination of Employment Refund I. Summary This notice is provided to you by the Arkansas Public Employees’ Retirement System (the “System”) because you were a member who was covered under the contributory Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member, or an APERS participating employer. Annual Payee Statements. Beginning in summer 2021, all APERS retirees and anyone else who receives a monthly benefit from APERS will receive an Annual Payee Statement. The initial 2021 statements are being mailed around the 1st of July, but in succeeding years they will go out in June. There is a sample copy of the two-page statement at the ...Arkansas Teacher Retirement System Email us at: [email protected] | phone: (501) 682-1517 | fax: (501) 682-2359 | 1400 West Third Street, Little Rock, AR 72201 DirectionsWe can be reached by telephone at (573) 298-6080 and by email at [email protected]. In addition to utilizing traditional mail, MPERS encourages members to submit documents electronically via secure document upload, email, or fax to (573) 522-6111. A drop box is located in the front door for documents that are brought to the office when in-person ... Your benedit could be calculated as follows: From Age 65 - At age 60 you have 60 months till reacing age 65 years. one-half of 1% for 60 months is 30. Therefore, the reduction based on age is 30%. From 28 Years of Service - At 25 years of service you have 36 months until reaching 28 years of service. One percent for 36 months is 36. Apply for Retirement Benefits. 124 West Capitol, Suite 400 Little Rock, AR 72201‐3704 501‐682‐7800 / 800‐682‐7377. WWW.APERS.ORG. To retire completely from your APERS-covered employment or enter the Deferred Retirement Option Plan (DROP), you will need to apply for benefits from APERS. There are two ways to reach the Benefit ...Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member or an APERS participating employer. 124 W. Capitol, Suite 400 Little Rock, AR 72201 (501) 682 7800 (Pulaski County) (800) 682-7377 (toll free)How do I get more information on QDRO? For more information contact: Arkansas Public Employees Retirement System. 124 W. Capitol Ave., Suite 400. Little Rock, AR 72201. 501-682-7800 Local Phone. 1-800-682-7377 Toll Free. APERS personnel cannot discuss specific information about a member's record over the phone.The Arkansas Public Employees Retirement System ( APERS ) serves more than 95,000 active state employees, retirees, and beneficiaries. Founded in 1957, APERS provides …the Deferred Retirement Option Plan (DROP). The PAW option is elected at retirement. You can find copies of the APERS retirement application and the PAW election forms on the actve member forms page of the APERS website at www.apers.org. You can also contact Member Services by phone or in writing to request a retirement application, Arkansas Public Employees’ Retirement System Termination of Employment Refund Request Form RR 124 West Capitol Ave, Ste 400 • Little Rock AR 72201 • (800)682-7377 Phone• (501)682-7843 Fax I. Member Information SSN: Member Name: Date of Birth: Mailing Address: Daytime Phone: City, State, Zip Code: II. Member Election ABOUT APERS. APERS' mission is to provide income to retired members, to survivors and to disabled members of the system. To this end, the system prudently invests all contributions received, monitors reporting by participating employers, maintains records and disburses monthly benefit checks to all those entitled. READ MORE. Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member, or an APERS participating employer. Announcements. 02/12/24 - APERS Quarterly Board Meeting - Wednesday, February 21 st at 9:00 am, for the ...Elected Official Retirement. Can I return to work for an APERS-Covered Employer? Yes, if you meet certain requirements: Retired on/before 06/30/2009, can go back to work after 90 days. Retired between 07/01/2009 and 03/31/2011, can go back to work after 180 days.Hours of Operation. Boise Office Monday – Friday | 8:00 a.m. to 5:00 p.m. MT. Coeur d’Alene Office Monday – Friday | 8:00 a.m. to 5:00 p.m. PTAPERS is a defined benefit plan for state, county, municipal, and school employees in Arkansas. Learn about its history, services, and contact information on its official website.Service credit is the time you accrue while on the job under a CalPERS-covered employer. The minimum retirement age for service retirement for most members is 50 years with five years of service credit. The more service credit you have, the higher your retirement benefits will be. There are three basic types of retirement: service, disability ...Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member or an APERS participating employer. 124 W. Capitol, Suite 400 Little Rock, AR 72201 (501) 682 7800 (Pulaski County) (800) 682-7377 (toll free)Jul 1, 2022 · COLA Determination. APERS retirees (including DROP participants) receive an annual cost-of-living increase in their retirement benefit on July 1 each year once they have been retired or participated in the DROP for twelve months. With ACT 366 of 2021, the General Assembly changed the way the COLA will be calculated for some members. Members ... Your benedit could be calculated as follows: From Age 65 - At age 60 you have 60 months till reacing age 65 years. one-half of 1% for 60 months is 30. Therefore, the reduction based on age is 30%. From 28 Years of Service - At 25 years of service you have 36 months until reaching 28 years of service. One percent for 36 months is 36. Pennsylvania Public School Employees' Retirement Board Elects New Chair and Vice Chair. PSERS Board Chair Retires After 30 Years of Dedicated Public Service. PA PSERS BOARD CERTIFIES DECREASE IN FY 2024-2025 EMPLOYER CONTRIBUTION RATE . … Also, be aware that if your account is dormant (no logins) for one year it is automatically deactivated and you will need to call us at (501) 682-7800 or (800) 682-7377 to reactivate it. For questions about seminars or problems registering, call APERS Educational Outreach at (501) 682-7806. Click here for instructions on creating your MSS account. COLA Determination. APERS retirees (including DROP participants) receive an annual cost-of-living increase in their retirement benefit on July 1 each year once they have been retired or participated in the DROP for twelve months. With ACT 366 of 2021, the General Assembly changed the way the COLA will be calculated for some members. … Arkansas Public Employees Retirement System 124 W. Capitol Ave., Suite 400 Little Rock, AR 72201 501-682-7800 Local Phone 1-800-682-7377 Toll Free.
Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member or an APERS participating employer. 124 W. Capitol, Suite 400 Little Rock, AR 72201 (501) 682 7800 (Pulaski County). Electronics flip
Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member, or an APERS participating employer. Announcements. 02/12/24 - APERS Quarterly Board Meeting - Wednesday, February 21 st at 9:00 am, for the ...2023 Cigna PPO Certificate of Coverage . FSA/HSA Eligible Expenses . Dental Member Certificate of Coverage . Vision Member Certificate of Coverage . 2024 LifeWorks EAP . 2024 Employee Annual Notices . 2024 CHIP Notice . 2023 Medicare Part D Notice . 2023 Marketplace Notice .Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member or an APERS participating employer. 124 W. Capitol, Suite 400 Little Rock, AR 72201 (501) 682 7800 (Pulaski County) (800) 682-7377 (toll free)Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member or an APERS participating employer. 124 W. Capitol, Suite 400 Little Rock, AR 72201 (501) 682 7800 (Pulaski County) (800) 682-7377 (toll free)2023 Cigna PPO Certificate of Coverage . FSA/HSA Eligible Expenses . Dental Member Certificate of Coverage . Vision Member Certificate of Coverage . 2024 LifeWorks EAP . 2024 Employee Annual Notices . 2024 CHIP Notice . 2023 Medicare Part D Notice . 2023 Marketplace Notice . Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member or an APERS participating employer. 124 W. Capitol, Suite 400 Little Rock, AR 72201 Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member, or an APERS participating employer. Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member, or an APERS participating employer. Announcements. 02/12/24 - APERS Quarterly Board Meeting - Wednesday, February 21 st at 9:00 am, for the ...Deferred retirement option plans (DROPs) are of benefit to both employees and employers. In exchange for continuing to work past your eligible retirement age, an employer will set aside annual lump sum payments into an interest-bearing account. Upon retirement, the money that has grown in this account will be paid to you, on top of the … Arkansas Public Employees Retirement System. 124 West Capitol, Suite 400. Little Rock, AR 72201. Authority. APERS was established by Act 157 of 1957, and is governed by Title 24 of the Arkansas Code Annotated, specifically Chapters 2, 4, and part of 7. Changes to the law can be made only by an act of the Arkansas Legislature. How do I start the retirement process? You can apply for benefits (regular retirement or disability) through the member portal or by filing a written application by mail or in person. For a copy of the application, contact APERS. To the extent any retirant or member of the Arkansas Public Employees Retirement System (“APERS”) has questions concerning the applicability of any rule, statute, or other order of the APERS Board of Directors (“the Board”), the retiree or member submit a written petition for a declaratory order to the Executive Director of APERSAt retirement, APERS members can choose between five different benefit options, or ways to structure their retirement benefits (not including PAW or DROP). The straight life option is most frequently chosen and forms the baseline for the four "A" and "B" options. This article describes the straight life benefit option. The Straight Life OptionThe Alaska Statutes related to the PERS & TRS Defined Benefit (DB) plans are under PERS AS 39.35 and TRS AS 39.35 . The Director of the Division of Retirement and Benefits serves as the administrator of the PERS and TRS DB Plan by appointment of the Commissioner of Administration. The administrator oversees the day-to-day operation of …Apers stands for Arkansas Public Employees Retirement System. It is the state-sponsored retirement system for public employees in Arkansas. The retirement forms are the documents that employees need to fill out and submit to enroll in or make changes to their retirement benefits through Apers.to you if you call APERS and request one at 501-682-7800 or 1-800-682-7377. Arkansas Retirement Systems You can find additional brochures on other topics as well as other publications, on the APERS website. www.apers.org Applying for Retirement Benefits When reciprocity is established, APERS will recognize actual service in all state-supportedArkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member, or an APERS participating employer. Announcements. 02/12/24 - APERS Quarterly Board Meeting - Wednesday, February 21 st at 9:00 am, for the ...How can I increase my retirement contribution? How do I change my e-mail address in EASE? What is the state’s maternity leave benefit? How do I opt-in for a paperless W-2? …Arkansas public employees retirement system. Here you will find information based on your role in our system, whether you are an active member, near retirement, a retired member, or an APERS participating ….