Working After Retirement

Working for a PEERS-covered employer after retirement can be beneficial. However, if you work for a PEERS-covered employer after retirement, your work is subject to limits. If you exceed a limit that applies to you, it will affect the payment of your retirement benefits. This website contains general information about working after retirement limits. However, when your employer reports to us that you are working after retirement, we will send you personalized information about your limits.

Work for employers not covered by PEERS, or as an independent contractor in accordance with IRS guidelines, is not limited and will not affect your benefits.

If you are a PEERS disability retiree under age 60, visit our Working after Disability Retirement page for the guidelines that apply to you.

To continue to receive your monthly retirement benefits while working at a PEERS-covered employer, you must:

  1. Terminate all pre-retirement employment
  2. Maintain a Working After Retirement Record form, which we will mail to you
  3. Stay within the limit on hours worked

If you don't follow these rules, you will be required to reimburse PEERS for all retirement benefits paid while ineligible, including funds in a PLSO distribution, and pay contributions that would have been required.

Substitute Teaching Work Limit Waiver

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Through June 2025, work limits are temporarily waived for work performed as a substitute teacher.

Limit on Hours Worked

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You can work on a part-time basis or as a temporary-substitute for a PEERS-covered employer in any position for a maximum of 550 hours each school year (July 1 - June 30).

Record-Keeping Requirements

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All retirees working for PEERS-covered employers on a part-time or temporary-substitute basis are required to maintain a Working After Retirement Record form tracking the hours worked each month at each covered employer.

Critical Shortage Employment

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Critical Shortage Employment is a legal provision that allows PEERS retirees to work after retirement at covered employers while continuing to receive PEERS service retirement benefits.

Exceeding the Limit

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If you exceed your working after retirement limit, your benefits stop.


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If you work as a retiree and also volunteer for the same PEERS-covered employer, the hours spent volunteering may count toward your annual limit.

Independent Contractors

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Work done as an independent contractors or consultant does not count toward your work limits, but must meet IRS definitions.

Frequently Asked Questions

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Get answers to some of the most frequently asked questions about working after retirement.