If you became a CalSTRS member before January 1, 2013, you're under the CalSTRS 2% at 60 benefit structure.

If you became a CalSTRS member on or after January 1, 2013, you're under the CalSTRS 2% at 62 benefit structure.

It's important to set realistic savings goals and take steps today so you'll be able to meet your income needs in retirement.

The average CalSTRS retirement benefit replaces 50% to 60% of a career educator's salary, but you may need 80% to 90% of your final salary to retire comfortably.

If you expect to receive both a CalSTRS retirement benefit and a Social Security benefit in retirement, two federal rules may affect your Social Security benefit.

Your Defined Benefit Supplement Program account is a savings account you have in addition to your Defined Benefit Program account.

You generally have three choices for receiving your Defined Benefit Supplement account funds. An annuity payment, a lump sum or a combination of an annuity payment and a lump sum.

When deciding how to receive your Defined Benefit Supplement account funds whether as an annuity, a lump sum or both, you'll need to consider how your funds will be taxed.

As a CalSTRS member, your spouse, children, or other loved ones may be eligible for survivor benefits.

While it's possible to apply for a refund, it may not be the best for your long-term financial well-being.