Deciding to retire may be the hardest part of the entire process. ETF can help you master the next steps so that you make decisions that are right for you. See our Retirement Checklist, When Can I Retire? and Annuity Payment Options pages to help your through the process. If you are ready to retire, begin the process by requesting an estimate. See the information box below.

If you are still deciding whether or not to retire, check out our Am I Ready to Retire? video or read over the Applying For Your Retirement Benefit (ET-4106) or WRS Guide to Retirement (ET-4133) brochures to help you in the decision making process.

If you decide to end WRS employment due to a disability, contact ETF about your eligibility for disability benefits before applying for a retirement benefit. Taking a retirement benefit may affect your eligibility for disability benefits. See the Disability Benefits page for more information.