Summary of Benefits and Coverage

A snapshot of a health plan's costs, benefits, covered healthcare services, and other important features.
Plan Year
    2026
Program Option
    Local Annuitant Health Program (LAHP)
A pink coneflower.

WRS Retirement Benefit Calculations

WRS retirement benefits are calculated using two methods: the formula method, and the money purchase method. ETF calculates your benefit using both methods and automatically pays you the higher amount. See how each method is calculated and resources for estimating your benefit.

A green piggy bank sitting on a beige calculator.

WRS Retirement Benefits Calculator

This WRS Retirement Benefits Calculator is a tool that can give you an unofficial estimate of your benefit as you plan for retirement. Contact ETF for your official estimate and application 6-12 months before you plan to apply for benefits.

Annual Requirements for Disability Benefits

Each year, recipients of disability benefits must complete and submit form(s) to ensure that their benefits continue without interruption. It is crucial that all required forms are submitted timely to prevent suspension of the benefit.

Steps to Choosing Your Benefits

Not sure where to start? This page is a step-by-step guide to choosing your benefits.
Plan Year
    2025
Program Option
    Local Traditional Health Plan with Uniform Dental (PO2) & Supplemental Benefits

Steps to Choosing Your Benefits

Not sure where to start? This page is a step-by-step guide to choosing your benefits.
Plan Year
    2025
Program Option
    Local Traditional Health Plan (PO12) & Supplemental Benefits

Steps to Choosing Your Benefits

Not sure where to start? This page is a step-by-step guide to choosing your benefits.
Plan Year
    2025
Program Option
    Local High Deductible Health Plan (PO17) & Supplemental Benefits