Working After Retirement: What You Need to Know W orking as a retiree for a PSRS-covered employer can be rewarding and beneficial for you and your employer. We want to help you understand your working-after-retirement limit(s) to help provide a positive experience. For more information, visit www.psrs-peers.org/PSRS and click the Working After Retirement section.
You can work for employers that don’t participate in PSRS as much as you want in retirement. This work won’t affect your retirement benefit.
If you return to work for a covered employer and want to keep your full retirement benefit, there may be yearly limits on how many hours you can work or how much money you can earn.
Employers that do participate in PSRS — called “covered employers” — include most Missouri K-12 public schools, community colleges, and some educational associations.
Your working-after-retirement limits depend on whether your work is part-time or full-time and whether it requires a DESE teaching certificate. Note: Different limits apply under Critical Shortage Employment and under the temporary waiver for working after retirement as a substitute teacher.
Work performed for a covered employer through a staffing agency may also count toward your work limit.
Unless you are a July 1 retiree, your yearly work limit will be reduced (pro-rated) for your first year.
Your employer will tell PSRS when you return to work. After that, we will send you information about your specific limits.
We’ll also send you a Working After Retirement Record to help you track your hours and earnings each month. Check with your employer to make sure you are tracking your work the same way.
If you go over your work limit, you may have to pay money back to PSRS.
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PSRS Benefit Check | RETIRED MEMBERS
JUNE 2025
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