PERS

Most public employees don't wake up wondering whether they need an annuity. They want answers to questions like: Will my pension be enough? Should I take a PLOP? How do survivor benefits affect my decision? How do possible Social Security benefits fit in? Can additional guaranteed income improve my retirement plan? Over the years, I noticed that many STRS, SERS, and OPERS members were being asked to evaluate annuities before first evaluating how their pension benefits fit in