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Members > Benefits > Sheriffs/Deputy Sheriffs > Nearing Retirement

For Members Nearing Retirement—
Sheriffs and Deputy Sheriffs

Important Information About Your IPERS Retirement Benefits

 Riverboat on Mississippi River

Retirement Is an Exciting Time

As you prepare for this significant milestone, it’s important that you understand how your IPERS benefits work and what you need to consider before you retire.

Remember, your IPERS benefits are only one part of your overall retirement savings. Your total retirement income will come from a combination of your IPERS benefits, social security, personal savings, and any other retirement plan benefits.

As you think about how much income you’ll need during your
retirement years, you may want to consider:

  • How much income will I receive from other sources like social security and personal savings?
  • What IPERS retirement payment option should I choose?
  • What do I want to do during my retirement years? Will these plans require extra savings?
  • Will I need to pay for retiree health insurance?
  • Will I be an “empty nester” or will my children still be financially dependent on me?
  • Will I have a mortgage payment?
  • Will I take up new hobbies that I need to budget for?
  • Will I return to work after retirement?

Header Photo Credit: Clay Smith, Iowa Department of Natural Resources
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Important
This booklet does not contain information on 2010–2012 IPERS law changes. See details on the law changes.
This booklet briefly explains certain rights and benefits of IPERS membership. It is not a substitute for federal and state laws governing IPERS, which provide complete information and are subject to change. Although IPERS makes every attempt to ensure its materials are accurate and up to date, any conflict between the contents of the booklet and law must be resolved in favor of the law. The Member Handbook provides a more detailed description of IPERS benefits. These publications are available in print and alternative formats by contacting IPERS.
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