The earnings from your job at the University are not covered under Social Security. When you retire, or if you become disabled, you may receive a pension based on earnings from this job.

If you do recieve a pension, and you are also entitled to a benefit from Social Security based on either your own work or the work of your husband or wife, or former husband or wife, your pension may affect the amount of the Social Security benefit you receive. The Windfall Elimination Provision affects how the amount of your retirement or disability benefit is calculated if you receive a pension from work where Social Security taxes were not taken out of your pay. A modified formula is used to calculate your benefit amount, resulting in a lower Social Security benefit than you otherwise would receive.

More information on the Windfall Elimination Provision is available at the Social Security Website at

Mandatory Retirement Plans

Classified employees are mandated to participate in the Public Employees' Retirement System of Nevada (PERS). An employee must be employed at 53% FTE or greater to participate in this plan. PERS of Nevada is a tax-qualified defined benefit plan and offers employees two choices when making their contributions to PERS. For more information on the PERS contribution amounts on this tax-qualified defined benefit plan, visit the Nevada PERS retirement page located on the BCN HR Website.

New Faculty are mandated to participate in the NSHE Retirement Plan Alternatives (RPA) Plan (if they have an active account with PERS, they must participate in PERS). The provisions of the RPA plan is a 401(a) defined contribution plan that provides for immediate vesting. Plan contributions are invested, at the direction of each participant in the funding vehicles available to participants by the approved fund sponsors. The participant contributes 14.5% of his/her gross salary and the institution contributes an additional 14.5%.

There are two additional retirement plans that are voluntary available to University Faculty and Staff. The voluntary retirement plans offer our employees the ability to voluntarily save for retirement on a before-tax basis through:

Supplemental Retirement Plans

Making the decision to retire from the University of Nevada, Reno is a major one - one that requires considerable planning and decision-making. HR has assembled a variety of resources to guide you into your post-University life. Many aspects of the retirement process are administered by Business Center North. Below are links to those resources as well as information about retirement counseling, financial wellness and Reno-area independent financial planners.

Planning Assistance, Seminars and other Information