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State Retirement - TRF and PERF

Many Cowan employees pay into the state retirement program.

Generally, Certified Staff (those holding a license) are part of TRF - the Teacher Retirement Fund.

Support Staff , if eligible, are part of PERF - the Public Employee Retirement Fund.

Both state systems offer 2 portions, a PENSION and an ANNUITY.  The pension is a lifelong income during retirement, but there are vesting periods that must be met to be eligible.  The Annuity portion is funding by the employee through mandatory contributions.

TRF and PERF ar both part of the INPRS - Indiana Public Retirement System.


Click Here to open INPRS in a new window to learn more about your state retirement.