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The Hawaii Employees Retirement System (ERS)

Is The State’s Only Pension Plan

Due to a relatively small state population, the Employees Retirement System (ERS) is the only state-administered retirement system in Hawaii.

ERS is provided to all full-time state employees and special categories of government employees have some additional benefit requirements. Part-time employees who work at least 20 hours per week, and have been employed for at least 90 days, also qualify for ERS.

Once you qualify, participation in the pension plan is a condition of your employment and contribution to the ERS is mandatory. The amount you’re required to contribute depends upon when you became a member and your occupation.

ERS Is A Defined Contribution Plan

Your contributions to the ERS are deducted, pre-tax, from your gross monthly salary with your employer also contributing a pre-determined percentage into your account.

The amount you’re required to contribute depends on your ERS membership date and your occupation. Along with the normal contributory options, ERS provides a Hybrid Plan that allows additional investment opportunities.

If you qualified for ERS membership prior to July 1, 2012, your normal retirement age is 62 with 5 years of service, or age 55 with 30 years of service, and you become vested after 5 years of service.

If you qualified for ERS membership after June 30, 2012, your normal retirement age is 65 with 10 years of service, or age 60 with 30 years of service, and you become vested after 10 years of service.

Automatic Post-Pension Benefit Increase

Upon your retirement, the ERS helps you keep up with inflation by providing an automatic annual increase of your retirement benefit effective July 1st, beginning the calendar year after retirement.

ERS FAQs

How long do I need to work before I am vested in ERS?

If you qualified for ERS Membership prior to July 1, 2012, you become vested after 5 years of service.

If you qualified for ERS Membership after June 30, 2012, you become vested after 10 years of service.

What is the ERS retirement Age?

If you qualified for ERS Membership prior to July 1, 2012, your normal retirement age is 62 with 5 years of service, or age 55 with 30 years of service.

If you qualified for ERS Membership after June 30, 2012, your normal retirement age is 65 with 10 years of service, or age 60 with 30 years of service.

Do I have to pay Federal Income Taxes on ERS retirement benefit?

Yes – once you retire and start receiving your ERS retirement benefit as monthly income, those payments become subject to Federal taxes.

Will my ERS retirement benefits be reduced by Social Security Benefits I receive?

No – ERS does not reduce your benefit once you become eligible for Social Security.
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This educational website provides an overview of what we can provide to State Departments seeking to help their employees stay current with the ever-changing rules and requirements of their retirement plans.

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Pension Navigators is an educational organization dedicated to helping State Employees make informed decisions when planning their retirement. The educational resources we provide are designed to provide them with the most current information on their State Pension Benefits plus strategies for achieving their retirement income goals.

This website provides an overview of what we can provide to State Pension Agencies to help their employees stay current on the latest rules and requirements of their pension plans.

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