Current publications may be viewed and printed. Certain publications are available to order online. Some publications issued in the last 2 years are accessible in Past Publications. Some publications issued prior to 2007 can be found in Publication Archives.

Member Benefit Information

2009-2010 Member Handbook
Comprehensive information about CalSTRS benefits, programs and resources for members and part-time educators.

Your Retirement Guide (PDF; 3.1MB)
Step-by-step guide to planning for retirement; contains Service Retirement Application and other forms.

Purchase Service Credit Now: Fact Sheet (PDF; 100KB)
2-page fact sheet of service credit and effects on final retirement benefits.

Purchase Additional Service Credit (PDF; 1.6MB)
Comprehensive information on making informed decisions to purchase additional service credit; contains forms.

Introduction to CalSTRS Disability Benefits (PDF; 209KB)
Covers disability benefits eligibility, including types of coverage, application process, counseling services.

Your Disability Benefits Guide (PDF; 1.6MB)
Contains the specifics of applying for disability benefits and the application forms. Call 800-228-5453 to schedule an appointment with a CalSTRS benefits counselor who can assist you with the application process. Read Introduction to CalSTRS Disability Benefits first to be sure you understand the eligibility requirements.

Survivor Benefits: Remember Your Loved Ones (PDF; 225KB)
12-page booklet reviews the 3 types of benefits available to beneficiaries after your death. Includes worksheets to organize important documents such as marriage and birth certificates.

Benefit Improvement: Supplemental Payments (PDF; 53KB)
Details and explains purchasing power protection, annual 2% benefit adjustment, includes estimation worksheets.

General CalSTRS Benefit Information

Join CalSTRS? Join CalPERS? (PDF; 3MB)
Details differences in the two public retirement systems, changing from one system and dual membership.

Welcome to CalSTRS (PDF; 376KB)
Introduces CalSTRS programs, benefits and resources for new full- and part-time teachers.

Retirement Counseling and Workshops

You Deserve Personal Attention: CalSTRS Benefits Counselors (PDF; 241KB)
Details importance of seeing a benefits counselor to assist in making retirement plan. Includes phone numbers for county/city counseling offices statewide to schedule appointment. (brochure)

Planning Your Successful Retirement: Attend a CalSTRS Workshop (PDF; 160KB)
Describes 4 benefits counseling workshop options, how to register online or by phone. Includes list of phone numbers and locations for counseling offices statewide. (brochure)

Retirement Income Management Workshop (PDF; 241KB)
Describes information covered at workshop including retirement plans, identify retirement experts, and more. Receive a planning workbook prepared by professional financial planners at the end of the workshop. (brochure)

Cash Balance Program For Part-Time Educators

Cash Balance Benefit: K-12 Part-Time Teachers (PDF; 2MB)
Program summary explains available options. Includes enrollment forms.

Cash Balance Benefit: Community College Part-Time Instructors
(PDF; 2MB)
Program summary explains available options. Includes enrollment forms.

Taxes, Refunds, Social Security

Refund: Consider the Consequences Fact Sheet (PDF; 109KB)
Brief overview of pros and cons in taking a refund of CalSTRS contributions. (Fact Sheet)

Tax Considerations for Rollovers (PDF; 3MB)
Summarizes IRS rules on rollovers, income tax withholding, how tax rules affect beneficiaries and alternate payees.

Social Security, CalSTRS and You (PDF; 244KB)
Fact sheet on the affect a CalSTRS benefit may have on receiving Social Security benefits. Reviews 4 steps to building a retirement plan under the pension rules. (Fact Sheet)

Community Property, Home Loans

Community Property Information (PDF; 812KB)
Overview of benefit programs for member/nonmember spouse, effect of divorce or legal separation on benefits, guidance to attorneys assisting in the member/nonmember spouse divorce process. CalSTRS forms included.
Supplement to the Community Property Information Brochure

Unlock Home Ownership (PDF; 194KB)
Brief description of CalSTRS home loan options and eligibility, real estate assistance and discounts. (Fact Sheet)

Newsletters

Open a myCalSTRS account to get newsletters sent by e-mail

Your Money Matters (PDF; 1.4MB)
For mid-and-second career educators in their 40s. Articles on supplemental savings, planning for your future and lifestyle. Fall publication.

CalSTRS Connections (PDF; 1MB)
For active and inactive members and Cash Balance participants. Includes information on CalSTRS benefits and services, legislative and investment updates and retirement planning. Spring/Fall publication.

Retired Educator (PDF; 932KB)
For retirees and beneficiaries. Information on benefits and services, legislation, investments and board updates. Summer/Winter publication.

Financial Reports, Actuarial Valuations, Investor Information

Comprehensive Annual Financial Report–2009
Details performance of CalSTRS state fund at the end of each fiscal year (July 1–June 30).

Summary Report to Members–2009 (PDF; 447KB)
Short summary member statistics, demographics, investment and financial information end of each fiscal year (July 1–June 30).

CalSTRS Financial Statement – 2008-2009 (PDF; 2.7MB)
Independent auditor’s report and overview of CalSTRS financial activities for fiscal year ended June 30, 2009.

Annual Report: Purchasing Power of Allowances–2010 (PDF; 98KB)
Status report on purchasing power of benefits. Required by law. Presented by the Teacher’s Retirement Board to the Governor and Legislature.

Defined Benefit Program Actuarial Valuation–2008 (PDF; 324KB)
Analysis of the sufficiency of future contributions from members, employers, and the State to meet the current and future obligations of the Defined Benefit (DB) Program.

Defined Benefit Supplement Program Actuarial Valuation–2008
(PDF; 168KB)
The major findings of the 2007 Actuarial Valuation for the Defined Benefit Supplement Program are contained in this report. This report reflects the benefit provisions and contribution rates in effect as of the valuation date.

Cash Balance Benefit Program Actuarial Valuation–2008 (PDF; 168KB)
Information on the funded condition of the Cash Balance Benefit Program as of June 30, 2007.

2007 Actuarial Experience Study (PDF; 217KB)
Analysis of the sufficiency of future contributions from members, employers and the State, to meet the current and future obligations of each program.

Medicare Premium Payment Program Actuarial Valuation–2008
(PDF; 182KB)
Analysis of the sufficiency of the current allocated assets to meet the current and future obligations of the Medicare Premium Payment (MPP) Program (or MPPP).

Legislative, Legal

Overview of CalSTRS (PDF; 1.7MB)
Summary of CalSTRS retirement system benefits, history, financing, glossary, statistics.

Teachers' Retirement Law (PDF; 3.7MB)
Up-to-date reference book of legal provisions to assist school administrators, public officials.

Report on Quarterly Expenditures for Meeting Unanticipated System Costs, 2010 (PDF; 615KB)
Report summarizing unanticipated CalSTRS system cost expenditures.

Report on Creditable Compensation For Fiscal Year Ended June 30, 2009 (PDF; 443KB)
Annual report that includes the amount of teachers’ creditable compensation for Fiscal Year 2008-09.

Revision of Creditable Compensation For Fiscal Year Ended June 30, 2009 (PDF; 450KB)
Report showing the revised creditable compensation for Fiscal Year 2008-09.

Comprehensive Annual Financial Report–2009
Details performance of CalSTRS state fund at the end of each fiscal year (July 1–June 30).

Quarterly Enterprise Projects Report (PDF; 608KB)
The Quarterly Enterprise Projects Report summarizes the status of the CalSTRS enterprise projects, as of the third quarter of Fiscal Year 2009-10.