The pension election packet explains the options. It doesn't always explain the trade-offs. These articles do.
Most CalSTRS members focus on the monthly reduction. This article calculates the real cumulative cost over a full retirement — and why the number most members see on their election form understates the lifetime impact.
The CalSTRS pension election form lists the options. This article explains what each one actually means for you and your spouse over the course of a 20–30 year retirement.
One of the least-discussed outcomes of the survivor election. If your beneficiary predeceases you, the reduction continues — permanently. This article explains what that means and why it matters.
For insurable CalSTRS members, there may be a third path. This article explains how Pension Option Planning works conceptually — and who it may be appropriate for.
HR can explain the mechanics of the election form. They cannot advise you on strategy. These are the questions you need a CalSTRS pension specialist to address before you sign.
Download the Retirement Clarity Checklist first — five questions every CalSTRS member should answer before their pension election.
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