Learn about your retirement options. Plan for your retirement. Act on your retirement decisions.

Ready to Retire
Learn, Plan, Act

If you’re eligible for retirement within the next four years, we understand the announcement of major changes to the OPERS retiree health care program may have prompted you to consider, or even re-evaluate, your retirement plans.

Effective Jan. 1, 2015, eligibility for health care coverage changed. OPERS offers health care coverage to retirees 60 or older with at least 20 years of qualifying service, and to all retirees with 30-32 years of qualifying service depending on their group.

Effective Jan. 1, 2015, a participant’s monthly premium allowance will be based on their years of service at retirement and their age at enrollment in the OPERS health care plan.

With these changes in mind, OPERS has created this “Learn, Plan, Act” website section to help you identify the most ideal time frame for retirement and make an informed decision regarding your retiree health care coverage. These pages offer detailed information on the steps you need to take as you move toward retirement. They also provide answers to questions we frequently hear from members.

In addition, the Plan page features a link to the OPERS Retirement Planner, an innovative tool created to allow you to estimate both pension and health care costs at different retirement dates. This is the first time we have offered members a tool that blends both pension income and health care costs to provide members a “big picture” view of their retirement options.


Knowing all the facts about saving for retirement, your OPERS retirement benefit and retiree health care coverage will allow you to take a more complete approach to maximizing your retirement. This section will provide information that may make a lasting difference in how you spend your retirement years. Explore this section to gain the knowledge necessary to make insightful decisions about your next steps to retirement.


As you draw closer to making a decision about retirement, it is critical that you spend time looking at the details. How much income will you need? Where will you obtain health care coverage? This section will help you answer those questions. Explore this section to understand your options and start formulating your ideal retirement plan.


It is finally here. It’s time to take action. You have worked for many years and now it’s time to reap the benefits of all your work and planning. Enjoy the moment as you journey through the final stages to retirement. Explore this section to learn the ins and outs of the retirement application process including timing, forms, documents and who to contact for more information.