Service Credit

Your service credit counts toward eligibility for retirement and determines the amount of your OPERS retirement benefit. The more service you accrue and/or purchase, the higher your benefit. The types of service discussed below are added together to determine service credit.

Participating Service

Participating service is your period of contributing employment after your employer’s entry date into OPERS. You earn participating service credit by paying contributions on salary earned, and working or using paid leave to cover time off. You begin earning participating service the first day of the month following the beginning date of employment provided you meet the requirements of membership.

Full-time participating service credit is earned for your full-time employment. All part-time employment or periods of leave without pay are prorated in relation to full-time employment. For example, half-time employment earns half the participating service of full-time employment.

Unpaid Leave

An approved leave of absence of two years or less shall not constitute a break in service, but it shall not be counted as credited service.
A member who is not receiving pay and for whom contributions are not being paid is not accruing participating service.
Members do not accrue service credit while receiving Workers’ Compensation payments.
No deductions in service credit or salary are made for involuntary furloughs as provided for by OAC 590:10-3-13 and 590:10-7-2 or as otherwise approved by the Office of Personnel Management.

Unused Sick Leave

A member who retires or terminates and receives a future vested benefit is entitled to add unused sick leave to all the other service credit the member has accrued. One hundred sixty hours of unused sick leave qualifies as one month of participating service credit. A maximum of six months of unused sick leave can be added to a member’s credit.

Hours of Unused Sick Leave	Months of Service Credit
0 – 159	0
160 – 319	1
320 – 479	2
480 – 639	3
640 – 799	4
800 – 959	5
960 +	6

If the addition of the member’s unused sick leave causes the total credited service to equal or exceed a fractional year of six months, service is rounded up to the next year and the member gains a year of service credit.*

* Note: Rounding eliminated for members who begin on or after November 1, 2012. These members will be credited with full years and months of participation.

Military Service

Members may be eligible to receive or purchase service credit for active military service based on Oklahoma State statue or Uniformed Services Employment and Reemployment Rights Act (USERRA).

Reinstatement of Withdrawn Credit

If you return to work for an OPERS participating employer after withdrawing contributions, you will begin your new job as a new OPERS member. This means you will start with no service credit and be under the plan rules based on when you were most recently hired.

However, you may restore your service credit, if eligible, through a withdrawal payback. This will also move you back under the rules in place as of our original date when you first joined OPERS. Use our Withdrawal Payback Calculator to estimate the cost and start the process.

Bonus Years

Bonus Years of Participating Service For Employee Contributions

Employee contributions required by the System and which were paid by the member prior to June 30, 1977 will entitle the member to additional years of participating service in accordance with the following schedule if the funds are not withdrawn upon termination of employment prior to retirement.

More than $1 up to $500	1 yr. participating service
More than $500 up to $1,000	2 yrs. participating service
More than $1000 up to $1,500	3 yrs. participating service
More than $1500 up to $2,000	4 yrs. participating service
More than $2,000	5 yrs. participating service

Purchasing Service Credit

Members may be eligible to purchase certain kinds of service. Click a topic below for more information.

Hidden

Purchase Service From Other State Retirement Systems

A member may purchase service credit in OPERS for years of credited service accumulated by the member while a member of the:

Oklahoma Firefighters Retirement System
Oklahoma Police Pension and Retirement System
Uniform Retirement System for Justices and Judges
Oklahoma Law Enforcement Retirement System
Teachers’ Retirement System of Oklahoma

If the member is not receiving or eligible to receive retirement credit or benefits for service in any other public retirement system. The cost to purchase such service shall be the actuarial cost to fund the member’s projected benefits with the additional service credit.

A member who wishes to purchase such service must submit to OPERS written documentation from one of the systems listed above. The documentation must include dates of membership and service, salary for each year of membership broken down by fiscal year, and a statement that he or she is no longer eligible for benefits from that system. No other documentation will be accepted.

Transporting from the Teachers’ Retirement System of Oklahoma. OPERS members have an alternative to purchasing service credit for service accrued with the Oklahoma Teachers’ Retirement System (TRS). Click here for more information.

Purchase Prior Service as a County Deputy Sheriff or Jailer

House Bill 1068 allows county deputy sheriffs and jailers to purchase prior service as a county deputy sheriff or jailer at actuarial cost. Service purchased will count toward the 20-year retirement eligibility rule. Once purchased, this service will be calculated using the higher 2.5% computation factor. The decision to purchase full or partial credit must be made before July 1, 2026, and the choice is irrevocable. If a member returns to employment as a deputy sheriff or county jailer, they may purchase prior service, and they must make that election to purchase prior service within six months of their rehire date.

For more information and to use the online purchase calculator, visit the Hazardous Duty Prior Service webpage.

Purchase of Prior Service

Members who were employed by an agency which entered this System after January 1, 1975, are not eligible for free prior service credit for their employment with that agency prior to its entry into OPERS. However, members can purchase prior service credit for their employment with such an agency from January 1, 1975, until the agency’s entry into this System. The cost for the purchase will be the actuarial cost. The member and the Retirement Coordinator for the agency must complete and submit an Application for Purchase of Prior Service to OPERS. The member will be contacted directly by OPERS about the cost.

Purchasing Incentive Credit

Active, participating members of this System may purchase no more than two years of age and/or participating service combined to accelerate their retirement eligibility date and/or increase benefits. The cost of purchasing such age or service will be the actuarial cost of the projected incremental increase in benefits as a result of the additional age and/or service.

To purchase incentive age or service, a member must:

1. Have reached or is within two years of reaching normal retirement eligibility; or,
2. Have reached or is within two years of reaching early retirement eligibility.

Members must have at least four years of the required six years of full-time-equivalent employment in order to be eligible for this purchase and must accrue six years of full time equivalent employment prior to retirement.

Members interest in purchasing incentive credit need to complete a Benefit and Service Calculations form. An analyst will calculate the cost of to purchase incentive credit and an estimate of benefit. Incentive credit may not be purchased to attain eligibility for Disability Benefits.

Purchase of OESC Service

A member may purchase OPERS service credit for any years of employment the member had with the Oklahoma Employment Security Commission (OESC) if the member is neither receiving nor eligible to receive service credit.

A member who is interested in purchasing such employment must submit written verification of the dates of employment and the salary earned during each fiscal year. The verification must be obtained from the Retirement Coordinator of OESC and submitted to OPERS. OPERS will notify the member of the cost to buy the service credit.

Purchase of Elected Service

A member who is currently a nonelected member may purchase OPERS service credit for previous service as an elected official if the member is not receiving or eligible to receive retirement credit for said service with any other public retirement system. The cost to purchase such service shall be the actuarial cost to fund the member’s projected benefits with the additional service credit. Interested members should contact OPERS in writing and state the elected official rate they wish to pay. The rate chosen may determine the benefits paid for each year of elected service.

Purchase of Termination Credit

Termination credit may be purchased in the event of a reduction-in-force. All inquiries about the purchase of service due to a reduction-in-force will only be entertained after the member’s participating employer has officially notified OPERS of those employees subject to a reduction-in-force. OPERS will then communicate detailed instructions about the purchase of termination credit to these members affected by a reduction-in-force. The cost to purchase termination credit will be an amount equal to the employee and employer contributions that would have been paid to OPERS through the member’s normal retirement date. Termination credit cannot be purchased in conjunction with incentive credit.

Installment Payment Plan

Certain categories of purchases may be made through an installment payment plan. The categories are as follows:

All purchases of service at the actuarial purchase price including, but not limited to, eligible service from another State retirement system, military service or incentive credit.
Current members, who as former members, withdrew their accumulated contributions and now wish to repay the amount of the withdrawal to reinstate service credit can repay the withdrawal either in one lump-sum payment or through the installment payment plan.

Installment plan payments must be made only through payroll deduction for a maximum time period of 60 months and will include interest at a current annual percentage rate of 7.5%. The minimum monthly payment is $25. Failure to complete all payments may result in the loss of eligibility for the service credit. For the rules governing installment payment plan purchases, see your Retirement Coordinator.