PTAA helps teachers make very important decisions for their retirement.

We're sure you have always given much attention to the care of yourself and your family. If you are within 5-10 years of retiring, now is the time to make informed decisions that could affect you and your family's future after you retire.

Having already made the decisions, REAM knows how difficult it can be without the proper information. Should I take Option A, B or C?

Here are just some of the important decisions that need to be made now:

• + Understanding the new pension options
• + Is all of my creditable service accounted for?
• + Did you know you could pay for creditable service with pre-tax dollars?
• + Do I need long-term care insurance?
• + Health Insurance and Medicare
• + How will the Windfall Elimination Provision (WEP) affect my social security?
• + How does the Government Pension Offset (GPO) affect my spouse?