Retiree
Resources for retired members
- Get 1099-R tax statements
- Download proof of income
- Update your contact information
- Update your direct deposit
- Review your beneficiaries
- Send us a secure message
- Track return to work hours
- Access your DCP or Plan 3 investments
A COLA is a change to your monthly benefit. Your COLA is applied automatically each year. The amount and timing depends on your retirement plan.
Proof of retirement income
Download a pension verification letter for a mortgage, refinance, estate planning or senior housing, any time through your online account.
- Log into your online account.
- Select Benefit Summary from the menu.
- Under Retirement Details, select Download Pension Verification Letter.
- Your personalized letter file will be saved as a PDF where you store downloaded files (usually your Downloads folder).
- DCP and Plan 3: Contact the DRS record keeper for access to verification of investment funds.
FAQ
To update where you receive your pension payments, log into your online account or mail in this paper form. To update DCP or Plan 3 investment payments, log into your Voya account or contact them directly.
If you return to work for a DRS employer, your benefit could be affected. See the return to work rules.
No. Once you’ve received your first pension payment, you will continue to receive a payment every month for the rest of your life.
Here are some things to consider before moving.
Tax FAQ
Yes. Your pension is subject to federal income tax. DRS withholds any required IRS federal income taxes for your distribution type. Any after-tax contributions will be paid according to IRS guidelines.
Log into your online account or print a new W4-P form.
After you retire, the form you receive is a 1099-R. You can download this from your online account. You will also receive a copy in the mail.
Have more questions about how your pension or DCP withdrawals are taxed? You’re not alone. IRS forms and taxes covers the most common tax questions about retirement payments, IRS forms like the 1099-R, and federal withholding.
Managing your DCP and Plan 3 investments
Contact the DRS record keeper, Voya Financial or log into your online account.
If you have DCP or Plan 3, the IRS requires a minimum distribution from your investment account. Starting the year you turn 73, the payments are automatically distributed to you at the end of the year and every year after. You can also choose to make the minimum withdrawals yourself. Visit the RMD section of your plan page.
Plan 3 accounts can’t accept rollovers. For DCP, submit a completed rollover-in form prior to sending us a check. As long as you have a balance, DCP can accept rolled funds from previous employers held in eligible retirement plans such as 457(b), 401(k), 403(b) and traditional, pretax IRA accounts. The IRS prohibits rolling Roth IRAs into DCP. More about DCP rollovers.
The DRS record keeper, Voya Financial sends out 1099 forms every January (separate from your pension). If you took a distribution from both Plan 3 and DCP, you’ll get two separate forms. Forms are also available in your online account.
To change your DCP or Plan 3 investment withholding, call the DRS record keeper, Voya Financial.
Important dates
- Jan. 1 – IRS withholding table updates go into effect and could change your end of January payment.
- Jan. 1 – Medical insurance changes go into effect. You may notice a change on your end of January pension payment.
- Feb. 1 – 1099 forms available.
- April 15 – IRS tax filing deadline.
- April 30 – LEOFF Plan 1 COLA applied.
- July 31 – Plan 2 and 3 COLA applied (Plan 1 COLA applied if applicable).
- End of year – Age 73 and above: If you have DCP or Plan 3, the IRS requires a minimum distribution (RMD) from your investment account. Payments are sent out at the end of the year.
Jan
30
Feb
27
Mar
31
Apr
30
May
29
Jun
30
Jul
31
Aug
31
Sep
30
Oct
30
Nov
30
Dec
31
More retiree information
What can you tell me about these deductions?
Health care: Some retired customers opt to have health care deductions taken directly from their monthly pension payments. The IRS considers health insurance premiums paid via your monthly pension as part of your taxable income. This is because your pension contributions were not taxed (see IRS page 8). Contact your retiree health care provider with questions about health care deductions. DRS doesn’t determine this amount.
Metlife Insurance: For questions and to make adjustments regarding life insurance deductions and policies, contact Metlife by logging in or at 866-548-7139.
Combined Fund Drive (CFD) donations: CFD policy automatically continues any recurring payroll contributions current state employees may have into their retirement. Update your selections through CFD.
Other deductions: If you have deductions from other organizations, such as Retired Public Employees Council (RPEC), you will need to contact these organizations to change or remove the deductions.
How do I update my beneficiaries? Complete this form—retired members are unable to designate pension beneficiaries online due to the complexity of survivor options. Your beneficiary would receive a lump sum of your remaining contributions upon your passing as well as your survivor’s passing (if you named one). If you have a DCP account, you can update your DCP beneficiaries online.
How do I update my survivor? A survivor is someone you designate to receive a portion of your retirement benefit in the event of your passing. In most cases, you cannot change your survivor. If your survivor passes before you, you can have your benefit changed to the unreduced single amount. If you marry in retirement, you have a one-time option to add your spouse as a survivor between your first and second year of marriage (second and third year for retirees from the Washington State Patrol). Report these life changes to DRS.
Read more about the difference between survivors and beneficiaries.
There may come a time when you will want or need someone to look after your pension account when you’re not able to do so. Consider naming people to act on your behalf for your pension-related needs. Some of these needs include:
- Changing your pension’s federal tax withholding
- Updating your home address or other personal contact information
- Electing or changing your pension’s direct deposit
- Requesting information (such as a pension verification letter or a copy of your 1099-R form) from DRS
If you’re interested, see Power of Attorney.
Tax savings on health insurance premiums
If you retired as a public safety officer from a designated Washington state retirement system, you might be able to exclude up to $3,000 of your qualified health, accident and long-term care insurance premiums from your gross taxable income each year. This savings is also referred to as the Healthcare Enhancement for Local Public Safety (HELPS) Retirees Act.
Do I qualify for this tax saving option?
If you answer yes to all three following questions, you likely qualify.
- Are you a retired Washington state public safety officer?
Public safety officer includes agencies for which you served as a:
- Fire fighter or law enforcement officer (including police, corrections, probation and parole officers as well as judges and prosecuting officers) involved in, crime, juvenile delinquency control, or reduction or enforcement of criminal laws
- Police or fire department chaplain
- Ambulance crew or rescue squad member
- Did you retire at the normal retirement age or with a disability?
“Normal retirement age” is the age when you’re entitled to receive a full benefit. If you retired early, you don’t qualify unless you received a disability retirement.
- Do your health insurance premiums qualify?
To qualify, your premiums must:
- Cover health, accident or long-term care insurance
- Cover you, your spouse or your dependents
If you’re not sure if you qualify or if you have questions, contact the Internal Revenue Service or your tax advisor. Keep in mind that DRS team members are not allowed to offer tax advice.
If you choose to participate, your monthly federal tax withholding will not change.
The SECURE 2.0 Act removed the requirement to deduct your health care insurance premiums from your pension. The removal of that requirement means you no longer need to submit the election form, and you also do not need a letter from DRS notifying you of your total premium deductions for the year. You can contact your medical insurance company for premium information.
For more information about the federal programs that provide this benefit (the Pension Protection Act of 2006 and Secure Act 2.0), contact the IRS.
Representing Washington’s public pension system retirees
LEOFF 1 Coalition – Serves retired law enforcement officers and firefighters
407 West Bay Drive
Olympia, WA 98502
877-553-6631 or 360-570-1035
Fax: 360-943-7086
Contact: Joyce Wilms
Retired Firefighters of Washington (RFFOW) – Serves retired LEOFF Plan 1 firefighters
15310 163rd Court SE
Renton, WA 98058-8122
425-226-3793
Retired Public Employees Council of Washington (RPEC) – Serves retired state, county, city and local government employees
906 Columbia St SW, Ste 501
Olympia, WA 98501
800-562-6097 or 360-352-8262
Fax: 360-352-0354
Retired Washington State Patrol Employee Association (RWSPEA) – Serves Washington State Patrol retirees
RWSPEA – Secretary/Treasurer
PO Box 127
Greenacres, WA 99016
Washington Education Association (WEA) – Retired – Serves public education retirees
PO Box 9100
Federal Way, WA 98063-9100
800-622-3393 or 253-941-6700
Washington State Council of Fire Fighters (WSCFF) Retirees Association – Serves retired Washington State fire fighters
1069 Adams St SE
Olympia, WA 98501
360-943-3030
Washington State Retired Deputy Sheriffs and Police Officers Association (WSRDSPOA) – Serves retired deputy sheriffs and police officers
PO Box 1805
Sumner, WA 98390
800-826-1974
Washington State School Retirees Association (WSSRA) – Serves TRS, PERS, SERS retirees
4726 Pacific Avenue SE
Lacey, WA 98503
800-544-5219 or 360-413-5496
Fax: 360-413-5497
Death of a retired member
Please contact DRS as soon as possible. If the retiree chose a survivor benefit, we must update the account for payments to continue. If the retiree did not select a survivor option, we need to stop monthly benefits to avoid an overpayment.
When you contact us, please be ready to provide the deceased retiree’s:
- Full name
- Social Security number
- Date of death
We’ll also ask who is handling the affairs for the estate.
Report a death to DRS
Online: Report the death online.
Phone: 360-664-7081, Option 1
Email: drs.moddnd@drs.wa.gov – Please provide only the last 4 digits of the deceased’s social security number.
Mailed form: Print and mail this death reporting form to DRS.
Death of an active or not yet retired member
If the deceased worked in a public service position in Washington, payment may be due to survivor(s). When you contact us, please be ready to provide the deceased member’s full name, Social Security number and date of death. Also tell us if the death may be work-related.
Death of a beneficiary or survivor
If you are an active member, you can update your beneficiary designation at any time by logging into your online account.
If your named survivor dies after you retire, you can have your pension benefit changed to the single-life option with no survivor reduction. You will need to report the death to DRS. This provision applies to all DRS plans except for LEOFF and WSPRS Plan 1, which have different survivorship options.
