Web Member Services
Get a Precision Estimate With the Retirement Calculator in Web Member Services
The most efficient way to get an accurate estimate of your future retirement benefits, including your lifetime monthly retirement allowance, is to use the Benefit Estimator retirement calculator inside Web Member Services. You can always access it from any page by clicking on the blue button in the upper right corner that says “Account Login.”
Web Member Services Has Features For All Members
Web Member Services is a secure web tool for all ACERA Members that will help you plan for retirement and conduct your business with ACERA in a safe and reliable environment. It may take a few minutes for you to answer security questions and create an account. Once you’ve created it, simply use your username and password to access it going forward.
Features for Active and Deferred Members
- Get a real-time retirement estimate using the Benefit Estimator
- See how many years of service credit you’ve earned
- Request a service credit purchase
- Review your beneficiaries
- Create and print a member statement
- Create and print an account balance letter
- Request a manual retirement estimate
- See the balance of your contributions to the retirement system plus the interest you’ve earned
- Deferred members can change their name and address (active members must make these changes with their employer)
Features for Retired Members
- View and print your retirement allowance pay statement and all past pay statements
- Change your address, name, or email address
- View and print your 1099-R income statement for your taxes
- View and makes changes to federal and state withholding
- View your insurance deductions from your check
- Review your nominated beneficiaries
- Opt in or out of paper pay statements mailed to you
How Does the WMS Benefit Estimator Project My Highest Average Salary?
If you’re in Tier 1 or 3, the Benefit Estimator is looking for a figure that represents your highest 1 year of consecutive pay periods. For Tier 2 and 4, it looks for your highest 3 years.
If you are being paid less right now than at some previous point in your career, the Benefit Estimator will go back in time in your payroll records and find your absolute highest consecutive pay periods, and use those payroll records to calculate your Projected Final Average Salary.
If you are being paid more right now than any time in your career, the Benefit Estimator may use some of your payroll records and may project some of your payroll records, depending on how far in the future the projected Separation Date you choose is. If the projected Separation Date you entered is within the next year for Tiers 1 and 3, or within the next 3 years for Tiers 2 and 4, the Benefit Estimator will use some payroll records, and then fill in the future payroll records with the amount you made in the last paycheck it has on record for you, which could be one of your last 2-3 paychecks.
For example, if you’re in Tier 2, and you chose a projected Separation Date exactly 2 years from now, the Benefit Estimator would use your last year of payroll records, plus it would take your last paycheck and fill in the next 2 years into the future with that amount. Then it takes the total that it projects you will be paid over the full 3-year period, and divides by 36 months to find your Projected Final Average Salary. If your projected Separation Date is more than 3 years in the future, the Benefit Estimator will simply use your last paycheck it has on file to fill in 3 years’ worth of future paychecks, and use that to find your Projected Final Average Salary.
The bottom line is, when you click the View button to generate your Retirement Benefit Estimate PDF, the estimate will tell you what the Average Salary Date Range is for the scenario you’re getting an estimate for. If part of that range is in the past, the Benefit Estimator is using some of your actual payroll records. If all of that range is in the future, the Benefit Estimator is projecting all of your future paychecks using your most current paycheck on file. If you’re in Tier 1, 2, or 3, and you know you sold some vacation in that date range, the pay for that vacation will be included in your projected Highest Average Monthly Salary.