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5 CalPERS Retirement Myths Busted - CalPERS PERSpective
5 CalPERS Retirement Myths Busted - CalPERS PERSpective

 

 

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Retirement Benefits • Health Benefits
5 CalPERS Retirement Myths Busted
1 day ago

Did you know we’ll notify you when you’re eligible to retire? Or even if you’re 100% vested for retiree health benefits, you may end up paying the remaining health premium costs?

Retirement planning isn’t a straightforward operation. That’s why we’ve got retirement facts — not misinformation — to help guide your decision making.
Myth 1 — My retirement benefit will increase indefinitely with age.
Fact: Pension payments are calculated using a retirement formula based on years of service credit, age at retirement, and final compensation. All retirement formulas have a maximum benefit factor or “age factor,” ranging from age 50 to age 67. Once you reach the maximum age factor, your pension stops increasing unless you’re still working and earning more years of service.
Myth 2 — There’s no time frame to submit my retirement application.
Fact: Once you’re eligible to retire, CalPERS notifies you of your eligibility, but we don’t tell you when to retire. If you submit your application more than nine months after you stop working for a CalPERS employer, or retire from a reciprocal system, your retirement date can be no earlier than the first day of the month we receive your application.
Not applying within this time frame can also affect your eligibility for retiree health and/or dental benefits, as well as the possibility of not having any unused sick leave used in your pension calculation, if your employer contracts for this benefit.
Myth 3 — If I work for two CalPERS employers, but only one of them reports payroll and service credit to CalPERS, I only have to stop working from the employer reporting to CalPERS when I’m ready to retire.
Fact: To be eligible to retire, you must stop working from all CalPERS employment, including all full-time, part-time, and overtime positions and any elected or appointed positions, even if the position is not being reported to CalPERS.
Top 7 Member Questions Answered by Our Experts - CalPERS PERSpective
Retirees who haven’t received a check by the sixth of the month can call 888 CalPERS (or 888-225-7377), or visit our Retirement Checks page to help keep your retirement checks delivered on time.
We offer many options for you to view your retirement check. You can view your check through our new mobile app or through the automated phone system.
2. What Amount Can I Expect in Retirement — and for How Long?
The good news is your retirement allowance won’t run out since it’s a lifetime benefit.
Most of the questions we receive are about how to calculate your retirement benefit. You can access the Retirement Estimate Calculator to give you a clearer picture of your pension based on your information. This tool is also available in your myCalPERS account and includes this helpful quick tip video, as well as our How to Create a Retirement Estimate (PDF) tutorial.
Using these tools, you can plan around scenarios such as ages to retire at, plus any survivors or beneficiaries, and understand how these scenarios will affect your monthly allowance. Within a year from your retirement, you can request a formal retirement estimate through your myCalPERS account.
“Because this is such an important decision for you, your dependents, and your families, we strongly encourage you to also make an appointment with our Regional Office,” noted Carene George, our Customer Experience Division chief. “They’re the experts to help you make the best choice.”
3. How Do I Access myCalPERS?
For retirees and active members, myCalPERS remains the primary gateway to access information, submit documents, and review details about your pension or health benefits. Our Using myCalPERS guide helps you take advantage of this platform, as well as resolve issues related to logging in, registering, recovering a username, and more.
You also have access to a series of videos for both active and inactive members, as well as retirees, beneficiaries and survivors. Use these tools to get the most from your myCalPERS account.
4. How Do I Take Advantage of Health Benefits into Retirement?
One of the biggest benefits to your CalPERS membership is the health benefits available to retirees.
The 2024-25 Budget: Medi-Cal Analysis
For example, in contrast to other areas of the proposal, the administration has not clarified how abortion rates would be adjusted following the increase in January 2025. While the sizable increase in 2025 might mitigate the need for annual adjustments in the short term, over the longer term, rates likely will lag again behind inflation if they are not consistently adjusted. As another example, more information likely is needed to assess the proposed directed payment program for nonhospital clinics. As we noted in our past publication, The 2020‑21 Budget: Analysis of the Medi‑Cal Budget, the existing fee‑for‑service supplemental payment program, which is intended to backfill lost clinic pharmacy revenues, lacks a clear public purpose. Replacing this program with a directed payment tied to service delivery and performance could better incentivize access and quality. The extent of the impact, however, likely depends on how the funds will be allocated and what performance measures will be considered. 
Proposal’s Overall Impact on Managed Care System Difficult to Assess. Historically, the state has sought to maintain payment adequacy in the managed care system by setting actuarially sound rates to plans and by holding plans accountable to access and quality standards. When plans find it is warranted to increase provider payments to ensure access and quality, the associated costs eventually are incorporated into the rates paid by the state to the plans, so long as the state deems these costs to be reasonable. Given this overarching system and the risk born by managed care plans in serving Medi‑Cal patients, plans historically have had flexibility to negotiate payment levels with their providers. Over time, however, the state has become more prescriptive in the level of payment managed care plans provide for services—a practice that the administration proposes to expand. Such an approach could better ensure provider payment increases are targeted to high‑priority areas, but also potentially complicate state oversight and health plan administration of payments and services. 
Future Uncertainties Could Impact Proposal
Package Lacks Long‑Term Funding Strategy. As we noted in the “MCO Tax Budget Solution” section of this report, there is an expected, though not certain, shortfall in the proposed MCO tax package, estimated by the administration to begin mid‑2028.
Careers - CA Department of Rehabilitation
State Hiring Process
 

 To begin your career with the DOR, the state hiring process consists of visiting the California Department of Human Resources
 (CalHR) website and following basic steps:
 

Obtain List Eligibility


 If a candidate is successful in the testing process, his or her name will be ranked on an employment list in score order.
 (For example, if a score of 94 is the highest score, all candidates receiving 94 are placed in "rank 1"; if 91
 is the second highest score, all candidates receiving 91 are placed in "rank 2"; etc.). Successful candidates
 remain on the employment list for the period stated on the exam bulletin.
 

 DOR hiring supervisors may interview candidates on an employment list, but can only hire candidates within the top three
 reachable ranks of the list.
 

Apply for Positions


 When applying for positions, it’s very important to follow directions as described in the Job Advertisement and apply by
 the final filing date. Applications received by the final filing date are reviewed by the hiring supervisor and the most
 qualified candidates are notified of their interview date, location, and time. The interview usually involves a panel
 consisting of the hiring supervisor and one or two other managers or subject matter experts asking candidates several
 job-related questions specific to the position. The hiring process concludes with DOR selecting the most qualified
 candidate for the position.
 

Take an Exam


 The selection process for every state position requires an evaluation of an applicant’s education, experience, abilities,
 and knowledge. To apply for an exam, candidates must complete an examination application (California State Examination/Employment
 Application Form 678), available when setting up a profile on CalHR’s CalCareers page.
 

 Examinations consist of various testing methods and are described on the "examination bulletin" or announcement.
 The most common tests consist of oral and written components. Applicants that aren't yet State of California employees are
 eligible for "open" exams only. Candidates should review the exam bulletin for:
 


 Minimum qualifications for entrance to the exam
 

 Civil Service classification information
 

 Examination and position information
 


 CalHR Exam Search Results
 

Search for DOR Vacancies
Health Care Coverage Options for Unemployed | HealthCare.gov
Learn how to apply for a Special Enrollment Period.There is no limited enrollment period for Medicaid or CHIP. If you qualify, you can enroll in these programs any time of year. Youâll find out if you qualify when you fill out your Marketplace application.Your options depend on your household incomeWhen you apply for Marketplace coverage youâll estimate your income for the current calendar year.How to estimate your income if youâre unemployedItâs hard to predict your annual income if youâre unemployed. Still, itâs important to make your best estimate based on all current or expected sources of income for the year.Types of income to include on your application:Unemployment compensation that you receive from your state. Visit CareerOneStop's Unemployment Benefits FinderThis link goes to an external siteYou are leaving HealthCare.gov.CloseYou're about to connect to a third-party site. Select CONTINUE to proceed or CANCEL to stay on this site.Learn more about links to third-party sites.ContinueCancel for more information about unemployment in your state.All household membersâ income (not just yours)Additional types of income, including interest income, capital gains, and alimonyMost withdrawals from traditional IRAs and 401ks. (But see IRS Form 8606 instructions (PDF) for information on non-deductible contributions, and IRS Publication 590-B (PDF) for information on Roth accounts.)Learn about income sources the Marketplace considers for everybody.Note: Itâs very important to immediately update your income information with the Marketplace if your income changes during the year. This will ensure you get the right amount of savings based on your new annual income estimate.Medicaid, CHIP, and insurance plans through the MarketplaceWhen you fill out a Marketplace application, youâll find out if you qualify for any of these types of coverage:A Marketplace insurance plan. You may qualify for premium tax credits and savings on deductibles, copayments, and other out-of-pocket costs based on your household size and income. Some people with low incomes may wind up paying very small premiums. Learn about getting lower costs on a Marketplace insurance plan.Medicaid. Medicaid provides coverage to millions of Americans with limited incomes or disabilities.
CalCareers

Eligible lists will expire in one to four years unless otherwise stated on the bulletin.High School Equivalence: Equivalence to completion of the 12th grade may be demonstrated in any one of the following ways: 1) passing the General Education Development (GED) Test; 2) completion of 12 semester units of college-level work; 3) certification from the State Department of Education, a local school board, or high school authorities that the competitor is considered to have education equivalent to graduation from high school; or 4) for clerical and accounting classes, substitution of business college work in place of high school on a year-for-year basis. Accepted applicants must provide proof of identification at each in-person test session. Acceptable identification consists of a photo identification card or two forms of signed identification.

Application Methods:
Electronic (Your CalCareer Account)


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LAO Health and Human Services
We (1) assess various Governor’s proposals intended to improve health care access and/or affordability—including expanding Medi-Cal eligibility to undocumented residents between ages 26, reducing Medi-Cal premiums to zero cost, establishing the Office of Health Care Affordability, and reducing the cost of insulin through a state partnership; (2) discuss options to improve affordability of health plans purchased through Covered California; and (3) highlight some key access and affordability challenges that remain to address.
Correction (2/24/22): Figure 2 - Number of undocumented residents has been corrected.

Post 


 The 2022-23 Budget: Analysis of Child Welfare Proposals and Program Implementation Updates
 

Format:
PDF
HTML

February 22, 2022 - 
 California’s children and family programs include an array of services to protect children from abuse and neglect and to keep families safely together when possible. This analysis: (1) provides program background; (2) outlines the Governor’s proposed 2022-23 budget for children and family programs, including child welfare services and foster care programs; (3) provides implementation updates on a number of programs that were funded in 2021-22; and (4) raises questions and issues for the Legislature to consider as it evaluates the budget proposal.
 

Post 


 The 2022-23 Budget: California Department of Technology
 

Format:
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HTML

February 22, 2022 - 
 This post provides background on the California Department of Technology's cost recovery model and rate development process for IT services, evaluates related Governor's budget proposals and available information on a proposed rate re-evaluation process, and offers our recommendations to the Legislature.
 

Report 


 The 2022-23 Budget: Analysis of Child Support Program Proposals
 

Format:
PDF
HTML

February 18, 2022 - 
 This brief describes the Governor's 2022-23 budget proposals for the child support program and provides comments and recommendations to the Legislature. 
 

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FAQs • Monterey Park, CA • CivicEngage
On Election Day,  you need to go to the polling place indicated on the pamphlet. Election workers at the polls will check the roster for your name, and will also show you how to use the voting equipment, if necessary. If you lost your sample ballot or are not sure where your polling place is, you can log onto the L.A. County Registrar Recorder's website and find your polling place or print out a sample ballot online. 

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Fire Department	

Show All Answers

1.
How do I get a copy of a Fire Report?

Submit a Public Records Request to the City Clerk's Office for receipt and processing to the Fire Department. Report copies are $8.00. Reports will be provided to the property owner or legally authorized individuals only.	

2.
How do I request a Fire Station Tour?

Please visit our Public Education and Community Outreach page or call (626) 307-1262.	

3.
How do I become a member of the Paramedic Subscription Program?

You may request an application to be mailed to you by calling (626) 307-1423 or visit the Emergency Medical Services Website Page and select either Residential Application or Business Application.	

4.
Will I be transported to the hospital of my choice?

Paramedics are required to take emergency patients to the closest receiving emergency room. Many times emergency rooms are full. The paramedics will call the hospital from the scene and find which hospital emergency is accepting patients. Trauma patients will be taken to a trauma center and children will be taken to a hospital which specializes in child care.	

5.
I have great health, do I need to fill out the medical history form?

Probably not. If you have a medical condition and are seeing a doctor on a regular basis or are currently taking a prescribed medication you should complete this form and place in an enveloped marked "Attention Paramedics" and kept in a visible place such as the outside of your refrigerator.	

6.
How do I get a copy of an Emergency Medical Service Report

Submit a Public Records Request to the City Clerk's Office for receipt and processing to the Fire Department. Report copies are $8.00.
Eligibility For VA Health Care | Veterans Affairs
You may also qualify for certain VA health care benefits.
If you’re separating from service due to a service-connected illness or injury, you may be eligible for VA health care benefits and certain TRICARE benefits.
If you’re an OEF/OIF/OND combat Veteran who has just returned from service, you can receive free medical care for any condition related to your service in Iraq or Afghanistan for 10 years after discharge.
Learn more about health care benefits for transitioning service members

Visit healthcare.gov to find out if you qualify for health insurance.
Go to healthcare.gov

Yes.Find out how you may still be able to get care for:Posttraumatic stress disorder (PTSD) Learn more about PTSD treatment servicesOther mental health problems (like depression or substance abuse)Learn more about mental health treatment servicesMental and physical health problems linked to military sexual trauma (MST)Learn more about MST treatment servicesOr, call our general VA hotline at 800-827-1000, Monday through Friday, 8:00 a.m. to 9:00 p.m. ET to find out what your care options may be.

We cover routine eye exams and preventive tests under VA health care benefits. In some cases, you may get coverage for eyeglasses or services for blind or low vision rehabilitation.
Learn more about vision care through VA

In certain cases, you may receive dental care as part of your VA health benefits.
Find out if you can get dental care through VA

If you have an illness or injury that was caused—or made worse—by your active-duty service, you may be able to get disability compensation.
Find out if you qualify for disability benefits

 More eligibility information you may need
 

Find out what VA priority groups are, how they work, and how they may affect you.

Learn about your health care options after separation or retirement and how to apply for VA health care when you receive your separation or retirement orders. If you’re a combat Veteran, apply right away to take advantage of 10 years of enhanced eligibility. 

Last updated: May 15, 2024

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Many of our licensee services are available online via 
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