Working After Retirement

Working at a PSRS-covered employer after retirement can affect the payment of your retirement benefits. Work limits apply to those working:

  • Directly for a PSRS-covered employer in positions that require a DESE-issued certificate and those that do not require a DESE-issued certificate, and 
  • For a third-party provider or as independent contractor in positions that require a DESE-issued certificate while performing duties at PSRS-covered employers.

The work limits vary depending on your employer and whether the position in which you work as a retiree requires you to have a DESE-issued certificate. When reported by your employer as working after retirement, you will receive information from us regarding your personal limits.

If you are a PSRS 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 PSRS-covered employer, you must:

  • Terminate all pre-retirement employment
  • Maintain a PSRS Working After Retirement Record form, which we will mail to you
  • Stay within the applicable limit(s)

If you exceed any limit that applies to you, you are no longer eligible to receive your PSRS retirement benefits, and your benefits will stop. In order for your benefits to resume, you must end all work that counts toward the limit you exceeded. You will be required to reimburse PSRS for all retirement benefits paid while ineligible, including funds in a PLSO distribution, and pay contributions that would have been required.


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