If you are five years or less from your target retirement date, you will find a wealth of resources here to help you through this final stage. 




The Public Employee Retirement Association has different eligibility rules for each retirement fund type:
  • The Coordinated Plan, created in 1968, provides retirement and other benefits in addition to those supplied by Social Security.
  • The Basic Plan was closed in 1967, and is not coordinated with Social Security. 
  • The Public Employees Police and Fire Fund, established in 1959 for police officers and fire fighters not covered by a local relief association, now encompasses all paid Minnesota police officers and firefighters hired since 1980. Legislation in 1999 also merged members of the former Police and Fire Consolidation Plan of PERA into the Police and Fire Plan.
  • The Local Government Correctional Service Retirement Fund was created in 1999 for correctional officers serving in county and regional adult and juvenile corrections facilities. Participants must be responsible for the security, custody and control of the facilities and their inmates.

PERA Forms


Phased Retirement

St Louis County participates in the phased retirement option (PRO) program adopted by the Minnesota State Legislature. Under the law, St. Louis County department heads may choose to offer a PRO appointment to employees who meet certain age and other eligibility requirements.

Frequently Asked Questions (FAQs) 

Phased Retirement Option policy and procedures

St. Louis County Phased Retirement Form


Deferred Compensation

Deferred Comp Plan Document

One Time Deferral Form

Transfer Window Instructions

The purpose of a deferred compensation plan is to allow you to set aside a part of your salary and postpone paying taxes on that salary until after retirement. This may prove to be advantageous for two reasons:

  1. It is likely that your income will be lower after retirement, and therefore, you may be in a lower tax bracket.
  2. Pre-tax deposits allow you to accumulate more money over time than after-tax deposits.

Deferred compensation was intended by congress to be a retirement plan as opposed to a short-term savings plan. Hence, your funds may not be withdrawn until you have separated service from your employer unless approved for an emergency withdrawal. This plan is made possible under section 457 of the Internal Revenue Code and is available only to employees of state and local governments and tax-exempt organizations.

Any permanent County/ARC employee or individual for whom the County performs payroll services may participate in a deferred compensation plan. Enrollment takes place provided that an agreement to defer compensation not yet earned is completed and turned in to payroll prior to the first day of the coverage month.

Limitations of Salary Deferral Amounts

A 457(b) plan’s annual contributions and other additions (excluding earnings) to a participant’s account cannot exceed the lesser of:

  1. 100% of the participant's includible compensation, or

  2. the 457(b) elective deferral limit

Increases to the general annual contribution limit:

  • 457(b) plans of state and local governments may allow catch-up contributions for participants who are aged 50 or older.

  • Special 457(b) catch-up contributions, if permitted by the plan, allow a participant for 3 years prior to the normal retirement age (as specified in the plan) to contribute the lesser of:

    • Twice the annual 457(b) limit , or

    • The basic annual limit plus the amount of the basic limit not used in prior years (only allowed if not using age 50 or over catch-up contributions)


Deferred Compensation Providers and Forms

Retirement Meetings and Workshops

PERA (Public Employees Retirement Association) Meeting

St. Louis County staff do not have access to your PERA record. You will want to contact Bryan (218-302-6120) or Kristen (218-302-6121) to schedule a meeting in Duluth if you want to…

  • Discuss any details about your future PERA retirement benefit
  • Make application to begin collecting a PERA monthly benefit

Pre-Retirement Meeting

Pre-Retirement meetings are for employees 2 to 12 months from their retirement date. At this meeting you will get the following information:

  • an overview of the retirement process and where to begin
  • choosing the optimal day in your chosen retirement month
  • disbursement of unused paid leave time
  • status of other benefits upon retirement
  • insurance continuation options

Schedule a Pre-Retirement Meeting

Final Retirement Meeting (Mandatory)

This meeting should take place one to four weeks prior to last day on payroll. During this meeting you will:

  • complete election form to continue/cancel/change insurance plans
  • go over payment details for any post-retirement insurance plans
  • learn how to access health care savings plan funds

Schedule a Final Retirement Meeting


Upcoming and Recent PERA Retirement Workshops (Tailored to all state PERA retirees)

St. Louis County offers a retirement workshop each spring and fall for St. Louis County employee who are 1-5 years from retirement. Please see quarterly training catalog . (Tailored to St. Louis County Retirees) 


Beth Menor
Sr. HR Advisor - Benefits

Sandy Kohn
Information Specialist 

All contacts