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Please forward to your employees
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More Than Just Retirement
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Being a KPERS or KP&F member means you're not only preparing for retirement — you’re also protecting your income and your family’s future.
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In addition to retirement benefits, your membership includes life insurance, long-term disability coverage, and death benefits — all designed to support you if life takes an unexpected turn.
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- KPERS members have basic life insurance equal to 150% of their annual salary, offering added peace of mind for you and your loved ones.
- KP&F members have access to death benefits whether the cause is service-related or not.
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Want to explore your benefits in more detail?
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Visit kspers.gov/members
Choose your group (KPERS 1, 2, 3, KP&F or Judges)
Click on the Life Insurance, Death and Disability tab
Not sure which group you're in? Start here.
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Message from the Executive Director: New Valuation Shows Steady Funding Status
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Our actuary conducts an annual valuation on December 31 each year to assess funding levels, compare Trust Fund assets to liabilities, and estimate future benefit costs. This process also sets employer contribution rates, and projects future funded ratios and contribution
rates based on investment returns. KPERS received the latest valuation report in July 2025 (as of December 31, 2024).
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Why Estate Planning Matters — Even If You’re Still Working
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Estate planning is something everyone should consider — especially if you have people who depend on you.
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Think of it as part of your long-term financial plan. Creating an estate plan now helps protect your loved ones, reduce confusion, and make sure your wishes are followed if something unexpected happens.
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Here's what you should consider:
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A will lets you decide who gets what, name a guardian for your kids,
and choose someone to manage your estate. Without one, state laws decide — and it might not be what you’d want.
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Power of attorney allows someone you trust to handle your finances if you can’t.
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A healthcare directive (or living will) outlines your medical preferences and names someone to make decisions for you if you’re unable.
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A trust might make sense if you have a larger estate or specific wishes about how and when your assets are distributed — but it’s not required for everyone.
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Bottom line:
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You don’t need to have everything figured out today, but starting the conversation is important. Life changes like getting married, having kids, buying a home, or even starting a new job are good times to think about these documents.
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Estate planning is about being prepared — and making things easier for the people you care about. You’re building a life. Make sure it’s protected.
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