Police & Firefighters

Take this opportunity to register your account at myINPRSretirement.org. Ensure your information is accurate, add beneficiaries, and make investments if you want.

Then get in the habit of regularly logging in to your account so that when you do move or your personal email address changes, you can easily keep it updated with us.

Beneficiaries are determined by statute, and no action on your part is necessary, unless you do not have a spouse, dependent children or whole-dependent parents, in which case you can personalize beneficiaries to receive your contribution to the fund.

Contributions

The INPRS Board of Trustees voted in October 2022 to set the 2024 rate at 19.1% effective Jan. 1 through Dec. 31, 2024. The board also voted on Oct. 27, 2023 to set the 2025 rate at 20.30% from Jan. 1 through Dec. 31, 2025.

The employee pays 6% of certified first-class officer salary, deducted from each pay period. The employer pays a contribution rate determined annually by the INPRS Board of Trustees.

If you resign before vesting, you are eligible to withdraw.

If you're leaving your 77 Fund-covered position, check these things off your list:

• Ensure your contact information is updated if you move or change your email address.

  • Log in to your account at myINPRSretirement.org
  • Select "More Resources" menu on the left side of the screen.
  • Click on "I want to update my contact information."

• Stay up to date on all things INPRS – in case new legislation comes out that would impact you.

• Check out your plan's specific vesting schedule to know if your years of service make you eligible for full benefits when you retire.

• Know when you can start using your retirement funds.

You're vested with 20 years of active service. Benefit eligibility is dependent on your age.

Login to your personal account at myINPRSretirement.org. You will need to fill out a form and update your account display name.

1. To fill out the form:

   • Navigate to the left-hand side of your dashboard.
   • Select Documents.
   • Click on Plan Forms.
   • Click on Member Data Change form.

2. Download it, follow instructions to fill it out, and return it to INPRS by either:

   • Scanning the completed form and emailing it to INPRS at questions@inprs.in.gov, or
   • Mailing the completed form to INPRS at:
     One North Capitol Avenue, Suite 001
     Indianapolis, IN 46204

3. To update your account display name:

   • On the My Profile page, select Personal Information. Your account display name will be an option that you can edit.
   • Please note: changing your marital status might also result in a change to other personal information, like mailing address and beneficiaries. Those are also found on the Personal Information page so update them as well if applicable.

You may be eligible to receive service credit for continuous periods of employment for paid leaves of absence. These include:

• Military Service

• Temporary Leave of Absence

To report a death – call INPRS or fill out a Death Report.

1. Call INPRS at 1-800-464-6777.

2. To fill out the form:

   • Login to your personal account at myINPRSretirement.org.
   • Navigate to the left-hand side of your dashboard.
   • Select Documents.
   • Select Plan Forms.
   • Select Death Report form.

   • Download it, follow instructions to fill it out, and return it to INPRS by either:

     • Scanning the completed form and emailing it to INPRS at questions@inprs.in.gov, or
     • Mailing the completed form to INPRS at:
       One North Capitol Avenue, Suite 001
       Indianapolis, IN 46204

Early Retirement

A member must be vested with 20 years of service, and age 50 or 51.

• At age 50, receive 88%.

• At age 51, receive 94%.

Normal Retirement

A member must be vested with 20 years of service, and at least age 52.

Disability

DROP (Deferred Retirement Option Plan)

An optional benefit. If you are eligible to retire for an unreduced retirement benefit but want to continue to work, you can earn a salary while receiving your retirement benefit at the same time.

• Apply by filling out the Apply for the 1977 Fund Deferred Retirement Option Plan form (DROP).

• DROP Benefit Online Calculator

Survivor Benefit

Submit your retirement application to INPRS at least 90 days before you plan to retire.

1. Choose a retirement date.

2. For the application you will need:

   • A personal email address
   • A retirement date
   • Survivor and Beneficiary information
   • Tax withholding information
   • Banking information, including account and routing number

3. Know the application submission date.

4. How to apply:

   • Self-Service (myINPRSretirement.org)
   • Call Center (844-464-6777)
   • 1:1 Session (Book an appointment)

COLAs are increases made to your monthly pension benefit payment to help if the cost of living is more than when you retired.

Effective July 1, 2026, eligible 1977 Fund members will receive a 2.7% COLA. This includes all retired, disabled, and surviving beneficiaries of fund members who received benefits that began on or before December 31, 2025.

The COLA for the 1977 Fund is linked to the Consumer Price Index (CPI). The 1977 Fund COLA is mandated and governed by the Indiana Code.

You may return to work with your previous employer after you have ended employment.

• If your new position is not covered by the 1977 Fund, you may continue to receive your benefit when you return to work.

• There is no minimum period of separation before you can be hired into a PERF-covered position with your return to work.

• You cannot be in the 77 Fund and in another INPRS-covered fund simultaneously.