Member Tools
These tools and more are available in Web Member Services, the PSRS/PEERS online, self-service membership information portal. Click the links below if you already have a Web Member Services account or register to activate your account.
Tools for Active Members
- View Member Statements
- Estimate Service Retirement Benefits
- Calculate a Purchase Cost
- File for Service Retirement Online
- Designate or Update Beneficiaries
Tools for Retirees and Beneficiaries
Retirement Education
We want to help you learn more about your benefits and retirement system. Our counselors are here to help you get all the information you need, and offer a variety of educational opportunities to best fit your busy life.
View PSRS Education Options » View PEERS Education Options »PSRS/PEERS News
Contribution Rates Remain Constant for 2017-2018 School Year
At the October 24, 2016 Public School and Education Employee Retirement Systems of Missouri (PSRS/PEERS) Board of Trustees' meeting, the Board voted to maintain the current contribution rates for the 2017-2018 school year. This action was based on the recommendation of the Systems' actuary, PricewaterhouseCoopers (PwC).
| Employee Rate | Employer Rate | Combined Rate |
|---|---|---|
| 14.5% | 14.5% | 29% |
| Employee Rate | Employer Rate | Combined Rate |
|---|---|---|
| 6.86% | 6.86% | 13.72% |
Trustees have the important fiduciary responsibility to set contribution rates to adequately fund the Systems. Rates are recommended annually by the Systems' actuaries, and by law cannot increase more than 1% per year for PSRS members, and .5% per year for PEERS members. PSRS active members and employers each currently contribute 14.5% of salary, while PEERS active members and employers contribute 6.86%.
PSRS/PEERS is primarily funded by investment earnings, but also through the contributions made by you and your employers.
While PSRS/PEERS was able to keep contribution rates steady for the 2017-2018 school year, the need for future rate increases will heavily depend on investment performance. Investment earnings provide 61 cents of every dollar paid, so they are important in the funding design of the plans. Low investment returns or interest rates could result in contribution rate increases and have a negative impact on the pre-funded status in future years.
According to PwC, PSRS is 84.8% prefunded and PEERS is 86.4% prefunded. Both are considered financially healthy.
About Your PSRS/PEERS Contributions
PSRS/PEERS contributions are automatically deducted from your pay and are credited to your individual membership. You do not pay taxes on your contributions until you receive them back from PSRS/PEERS as monthly benefits or a lump-sum payment.
Your contributions are always returned to you in the form of monthly benefits, or a lump-sum payment to your or your beneficiaries.
For specific information regarding the contributions you have made to PSRS/PEERS during your membership, log in to view your membership information at PSRS/PEERS Web Member Services, or refer to your annual Member Statement, which will be mailed to you in November.
Contribution Rates Remain Constant for 2017-2018 School Year
At the October 24, 2016 Public School and Education Employee Retirement Systems of Missouri (PSRS/PEERS) Board of Trustees' meeting, the Board voted to maintain the current contribution rates for the 2017-2018 school year. This action was based on the recommendation of the Systems' actuary, PricewaterhouseCoopers (PwC).
| Employee Rate | Employer Rate | Combined Rate |
|---|---|---|
| 14.5% | 14.5% | 29% |
| Employee Rate | Employer Rate | Combined Rate |
|---|---|---|
| 6.86% | 6.86% | 13.72% |
Trustees have the important fiduciary responsibility to set contribution rates to adequately fund the Systems. Rates are recommended annually by the Systems' actuaries, and by law cannot increase more than 1% per year for PSRS members, and .5% per year for PEERS members. PSRS active members and employers each currently contribute 14.5% of salary, while PEERS active members and employers contribute 6.86%.
PSRS/PEERS is primarily funded by investment earnings, but also through the contributions made by you and your employers.
While PSRS/PEERS was able to keep contribution rates steady for the 2017-2018 school year, the need for future rate increases will heavily depend on investment performance. Investment earnings provide 61 cents of every dollar paid, so they are important in the funding design of the plans. Low investment returns or interest rates could result in contribution rate increases and have a negative impact on the pre-funded status in future years.
According to PwC, PSRS is 84.8% prefunded and PEERS is 86.4% prefunded. Both are considered financially healthy.
About Your PSRS/PEERS Contributions
PSRS/PEERS contributions are automatically deducted from your pay and are credited to your individual membership. You do not pay taxes on your contributions until you receive them back from PSRS/PEERS as monthly benefits or a lump-sum payment.
Your contributions are always returned to you in the form of monthly benefits, or a lump-sum payment to your or your beneficiaries.
For specific information regarding the contributions you have made to PSRS/PEERS during your membership, log in to view your membership information at PSRS/PEERS Web Member Services, or refer to your annual Member Statement, which will be mailed to you in November.
Life Events
When life brings changes your way, it can also impact your PSRS/PEERS membership. Click below for more information.
A New Member
Welcome! Your membership gives you distinct advantages when working toward a financially secure retirement. Get off to the right start and register for access to Web Member Services today.
Newly Married
If you are recently married, it can impact your beneficiary designations.
A New Parent
Birth or adoption of a child requires you to update your beneficiary designations.
Recently Divorced
If you named your spouse as a beneficiary, divorce means you may need to update your beneficiary designations. Some divorced retirees may also have options for benefit increases, or "pop-ups."
Moving
Keep your contact information up-to-date so we can communicate with you about your membership and ensure benefits are paid according to your wishes.
Ready to Retire
Apply for service retirement online using Web Member Services, or using paper forms found on this website.
Leaving Your Job
You have options when temporarily or permanently leaving covered employment.
A Working Retiree
It is important to understand post-retirement work limits and how they may impact your benefit payments.
Benefits by County
As of December 31, 2024, approximately 113,000 individuals received benefits from PSRS/PEERS. Total annual benefits paid was over $3.9 billion. Of this amount, over $3.4 billion, or 88%, was distributed among Missouri’s 114 counties, positively impacting the state’s economy.
PSRS/PEERS Quick Facts
A summary of PSRS/PEERS statistics as of June 30, 2024.
PSRS/PEERS Funding
PSRS/PEERS' funding comes from three sources, member contributions, employer contributions and investment earnings. Investment earnings are the primary source of funding for every dollar of PSRS/PEERS benefits paid.