ERS Tier 1 Active Members: Any member of the ERS who had service credit with the ERS or TRS prior to January 1, 2013.
ERS Tier 2 Active Members: Any member of the ERS who had no service credit with the ERS or TRS prior to January 1, 2013.
State Police Tier 1 Active Members: An employee considered State Police hired prior to January 1, 2013.
State Police Tier 2 Active Members: An employee considered State Police who had no service credit with the ERS or TRS prior to January 1, 2013.
For more information about your ERS retirement benefits, consult your member handbook.
When are ERS account statements mailed?
Statements are mailed to the member’s current address on record in early December. You can view your account online at any time on Member Services Online.
Can I borrow money from my ERS account?
No. The only way to get money out of an ERS account is to terminate employment and withdraw the entire account.
When am I eligible to retire?
Tier 1 member: You are eligible to retire at any age with 25 or more years of service credit (30 years for agencies who have not adopted 25-year retirement) or at age 60 (age 52 for State Police or FLC) with 10 or more years of service.
Tier 2 member: You are eligible to retire at age 62 (age 56 for State Police or FLC) with 10 or more years of service.
Can I borrow from my retirement or make a hardship withdrawal?
You cannot borrow against your retirement. You can only withdraw your account if you are no longer employed with a member agency. If you do withdraw your account, you forfeit your lifetime retirement benefits and your years and months of service.
When will I receive my refund (withdrawal)?
The time to process a refund varies depending on the receipt of your Notice of Final Deposit and Request for Refund, and when we receive your last retirement contribution. Agencies usually send contributions in the first several days following the close of the month. If you terminate earlier in a month, the RSA may have to wait several weeks for that final contribution. Total processing time can be up to 6 weeks.
Can I contribute an additional amount to my ERS account monthly?
No, your contribution is mandatory and the percentage is set by Alabama statute based on your tier status and your classification as to whether you are considered FLC or State Police. You may wish to enroll in the voluntary RSA-1 Deferred Compensation Plan. This plan is completely separate from your retirement account and is an excellent way to set aside additional retirement funds.
I am the beneficiary of a deceased active member. How do I get the benefits from his/her account?
If the member was still active, the beneficiary should complete the Application for Survivor Benefit form. The form can also be obtained from the member’s payroll office, or the RSA will be glad to mail or email it. Please note that the member’s payroll office has to complete a portion of the form, so the beneficiary may wish to go to the payroll office to get and complete the form.