A Ohio PERS member with 30 years of service and a $70k final average salary retires on about $3,850 a month at age 67 under the “Group C (most current members)” rules. That is 66.0% of salary. Amounts use the first unreduced age for Group C. Reduced retirement is possible earlier, using an OPERS reduction table. Ohio public employees do not pay Social Security on OPERS-covered jobs.
Group A (could retire by Jan 2018)
| Service | Age | % of salary | $50k | $60k | $70k | $80k | $90k | $100k |
|---|---|---|---|---|---|---|---|---|
| 10 yrs | 65 | 22.0% | $917 | $1,100 | $1,283 | $1,467 | $1,650 | $1,833 |
| 15 yrs | 65 | 33.0% | $1,375 | $1,650 | $1,925 | $2,200 | $2,475 | $2,750 |
| 20 yrs | 65 | 44.0% | $1,833 | $2,200 | $2,567 | $2,933 | $3,300 | $3,667 |
| 25 yrs | 65 | 55.0% | $2,292 | $2,750 | $3,208 | $3,667 | $4,125 | $4,583 |
| 30 yrs | 50 | 66.0% | $2,750 | $3,300 | $3,850 | $4,400 | $4,950 | $5,500 |
| 35 yrs | 50 | 78.5% | $3,271 | $3,925 | $4,579 | $5,233 | $5,888 | $6,542 |
Group B (could retire by Jan 2023)
| Service | Age | % of salary | $50k | $60k | $70k | $80k | $90k | $100k |
|---|---|---|---|---|---|---|---|---|
| 10 yrs | 66 | 22.0% | $917 | $1,100 | $1,283 | $1,467 | $1,650 | $1,833 |
| 15 yrs | 66 | 33.0% | $1,375 | $1,650 | $1,925 | $2,200 | $2,475 | $2,750 |
| 20 yrs | 66 | 44.0% | $1,833 | $2,200 | $2,567 | $2,933 | $3,300 | $3,667 |
| 25 yrs | 66 | 55.0% | $2,292 | $2,750 | $3,208 | $3,667 | $4,125 | $4,583 |
| 30 yrs | 66 | 66.0% | $2,750 | $3,300 | $3,850 | $4,400 | $4,950 | $5,500 |
| 35 yrs | 50 | 78.5% | $3,271 | $3,925 | $4,579 | $5,233 | $5,888 | $6,542 |
Group C (most current members)
| Service | Age | % of salary | $50k | $60k | $70k | $80k | $90k | $100k |
|---|---|---|---|---|---|---|---|---|
| 10 yrs | 67 | 22.0% | $917 | $1,100 | $1,283 | $1,467 | $1,650 | $1,833 |
| 15 yrs | 67 | 33.0% | $1,375 | $1,650 | $1,925 | $2,200 | $2,475 | $2,750 |
| 20 yrs | 67 | 44.0% | $1,833 | $2,200 | $2,567 | $2,933 | $3,300 | $3,667 |
| 25 yrs | 67 | 55.0% | $2,292 | $2,750 | $3,208 | $3,667 | $4,125 | $4,583 |
| 30 yrs | 67 | 66.0% | $2,750 | $3,300 | $3,850 | $4,400 | $4,950 | $5,500 |
| 35 yrs | 55 | 77.0% | $3,208 | $3,850 | $4,492 | $5,133 | $5,775 | $6,417 |
Monthly amounts before tax, using the single-life payout. Salary columns are final average salary, not your last paycheck. Age is the first age with no early-retirement reduction for that service.
Retiring earlier or later
Retiring before the age shown means a smaller check for life, and waiting longer usually adds both service and, in some plans, a higher factor. The Ohio PERS retirement chart shows the percentage at every age from 55 to 67, and the Ohio PERS calculator runs your exact numbers.
What else adds to the check
Most Ohio PERS members do not pay into Social Security on this job, but any Social Security earned elsewhere now adds in full since the Fairness Act. See the pension and Social Security calculator for the combined total, and the COLA guide for how the check grows after you retire.
