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hi I'm Sheila a member of the CalSTRS team if you became a CalSTRS member before January 1st 2013 you're under the CalSTRS 2% at 60 benefit structure which determines how your retirement benefit is calculated and what benefit enhancements may be available to you at retirement CalSTRS administers a hybrid retirement plan for your financial security this comprehensive package includes a traditional defined benefit program a cash balance defined benefit supplement program and a voluntary defined contribution program we call pension - as a vested member of the CalSTRS defined benefit program you're entitled to a guaranteed lifetime a monthly benefit when you retire this benefit is based on a formula not on how much you've contributed let's look at how your benefit is calculated the calculation is made up of three factors your service credit your age factor and your final compensation now let's take a closer look at each of the three factors service credit is the number of full and partial

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