ERSRI pays benefits on the last business day of each month. For members with direct deposit, when the last day of the month falls on a weekend or holiday, your monthly benefit will be deposited the previous business day. Click the link below to download a payment schedule for the current year.
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2025 COLA by Plan
- State Employees or Teachers who retired on or before 6/30/2012 are eligible for 2025 COLA*
- These retirees will receive 2.89% COLA on the first $30,622 of their benefit.
- State Employees or Teachers who retired on or after 7/1/2012 are eligible for COLA 3 years after retirement or upon reaching Social Security Normal Retirement Age (SSNRA), whichever is later.
- Those with retirement dates between 7/1/2012 and 6/30/2015 will receive 0.72% COLA on the first $36,746 of their benefit.
- Those with retirement dates on or after 7/1/2015 will receive 0.72% COLA on the first $30,622 of their benefit.
- Most eligible members receive their COLA the month following their 3-year retirement anniversary. However, for members who reach their COLA eligibility based on their Social Security Normal Retirement Age (SSNRA) - when this date is later than the 3-year anniversary - their COLA month will be the month following their SSNRA date.
- Note that for members with retirement dates in December who reach COLA eligibility on their 3-year retirement anniversary, COLA adjustments are paid the following January (2026).
- Teachers with retirement dates of July 1st who reach COLA eligibility on their 3-year retirement anniversary, COLA adjustments are paid in July.
*with the exception of retirees who were not receiving COLA by 6/30/2012 and who have not yet reached their Social Security Normal Retirement Age (SSNRA).
- Municipal Employees (General employees and Police & Fire employees) in plans offering COLA who retired on or before 6/30/2012 are eligible for 2025 COLA*
- These retirees will receive 2.89% COLA on the first $30,622 of their benefit.
- General Municipal Employees in plans offering COLA who retired on or after 7/1/2012 are eligible for COLA 3 years after retirement or reaching Social Security Normal Retirement Age (SSNRA), whichever is later.
- Those in plans 75% or more funded as of 6/30/2024 (see list of 93 MERS units) will receive 2.89% COLA on the first $30,622 of their benefit.
- Those in plans less than 75% funded as of 6/30/2024 with retirement dates between 7/1/2012 and 6/30/2015 will receive 0.72% COLA on the first $36,746 of their benefit.
- Those in plans less than 75% funded as of 6/30/2024 with retirement dates on or after 7/1/2015 will receive 0.72% COLA on the first $30,622 of their benefit.
- Police and Fire Municipal Employees in plans offering COLA who retired between 7/1/2012 and 6/30/2015 are eligible for COLA 3 years after retirement or age 55, whichever is later.
- Those in plans 75% or more funded as of 6/30/2024 (see list of 93 MERS units) will receive 2.89% COLA on the first $30,622 of their benefit.
- Those in plans less than 75% funded as of 6/30/2024 with retirement dates between 7/1/2012 and 6/30/2015 will receive 0.72% COLA on the first $36,746 of their benefit.
- Those in plans less than 75% funded as of 6/30/2024 with retirement dates on or after 7/1/2015 will receive 0.72% COLA on the first $30,622 of their benefit.
- Police and Fire Municipal Employees in plans offering COLA who retired after 7/1/2015 are eligible for COLA 3 years after retirement or age 50, whichever is later.
- Those in plans 75% or more funded as of 6/30/2024 (see list of 93 MERS units) will receive 2.89% COLA on the first $30,622 of their benefit.
- Those in plans less than 75% funded as of 6/30/2024 with retirement dates between 7/1/2012 and 6/30/2015 will receive 0.72% COLA on the first $36,746 of their benefit.
- Those in plans less than 75% funded as of 6/30/2024 with retirement dates on or after 7/1/2015 will receive 0.72% COLA on the first $30,622 of their benefit.
- Most eligible members receive their COLA the month following their 3-year retirement anniversary. However, for members who reach their COLA eligibility based on their on their AGE – either their Social Security Normal Retirement Age (SSNRA) or age 50 or 55 - when this date is later than the 3-year anniversary - their COLA month will be the month following their SSNRA or birthdate.
- Note that for members with retirement dates in December who reach COLA eligibility on their 3-year retirement anniversary, COLA adjustments are paid the following January (2026).
*with the exception of retirees who were not receiving COLA by 6/30/2012 and who have not yet reached their Social Security Normal Retirement Age (SSNRA).
- Retired Judges or State Police are eligible for COLA 3 years after retirement or upon reaching Social Security Normal Retirement Age (SSNRA), whichever is later. Eligible members will receive a 4-year COLA in 2025.
- Those with retirement dates on or before 6/30/2015 will receive 2.89% COLA on the first $36,746 of their benefit.
- Those with retirement dates on or after 7/1/2015 will receive 2.89% COLA on the first $30,622 of their benefit.
- Most eligible retirees will receive their COLA the month following their 3-year retirement anniversary. However, for members who reached their COLA eligibility based on their Social Security Normal Retirement Age (SSNRA) - when this date is later than the 3-year anniversary - their COLA month will be the month following their SSNRA date.
- For members with retirement dates in December who reached COLA eligibility on their 3-year retirement anniversary, COLA adjustments are paid the following January (2026).
- Teacher Survivors’ Benefit (TSB) payees who are age 60 or over and who are receiving spousal benefits with effective dates of 12/1/2024 or earlier are eligible to receive a 2.5% COLA on their full benefit amount. TSB COLA adjustments for all eligible payees will be applied to benefits in January 2025.
- Retired Central Falls Legacy or West Warwick Legacy Members: COLA eligibility rules and amounts are pursuant to individual plan documents.
Monthly Benefit Payments
Information and Training
Disability Pension Process –This presentation below provides a guide to understanding the overall process, the employer’s role, and best practices for facilitating the disability process
A guide to understanding the process and best practices for Municipal Officials.
Wage and Contribution Reporting
An at-a-glance reference guide for wage and contributions record specifications.
For rules and guidance governing retirement contributions for teacher positions.
An in-depth guide to loading wage and contribution records through the online portal.
Other Forms
Use the form below to allow your employer to automatically make payroll deductions in order to purchase service credits.
Use this form to allow your employer to deduct monies directly from your paycheck to purchase service credits.
Retirement Forms
Use the links below to learn more about initiating the retirement process and guidance on how to complete your retirement forms.
Learn more about the forms required prior to your retirement date.
Annual Medical Update
Disability pension recipients must complete an annual medical update to confirm whether or not they are still disabled. Have your doctor complete the form (contained within the Disability Compliance packet above) during an appointment to get started. The 2025 Annual Medical Update is separately accessible here.
