Calpers cola 2025 calculator The purpose of this Circular Letter is to inform you of the 2024 compensation limits for classic and Public Employees’ Pension Reform Act (PEPRA) members and provide guidelines for how to report payroll when Internal Revenue Code (IRC) or PEPRA limits have been reached in a calendar year. Jan 6, 2025 · However, the 2025 COLA increase is lower than the 3. Cost-of-Living Adjustment (COLA): Typically, this benefit begins the second calendar year of retirement, although the annual rate of inflation and retirement law could affect the onset of your COLA. Board Approves Maximum COLA for 2025 At its September meeting, the Board unanimously voted to approve a 2. 5% this year, the smallest pay bump for seniors since 2021. For a full list of available health plans and premiums, view the Plans & Rates page. Here is the pay increase federal retirees can expect starting in January 2025. 10; The new allowance is $1,243. 90 Nov 25, 2024 · Here's the big picture: While the 2. CalPERS remits both employer and employee taxes to the IRS. CalPERS is a defined benefit plan funded by employee contributions, employer contributions, and earnings made on CalPERS investments Most employees contribute a percentage of their salary, which accrues interest under their individual CalPERS account. Using a combination of employee contributions, employer contributions, and investments, CalPERS handles retirement payouts and health benefits for more than 1. 90. 00 x 1. The 2023 annual CPI is 912. Find more details about your 2024 COLA, how it’s calculated, and frequently asked questions on: www Retirees typically receive an annual COLA paid on the May 1 benefit payment. But odds are good that the cola will rise before the government announces it in october. With our new myCalPERS Pay Warrant app, you can access your current and past retirement checks through your mobile device at the click of a button. 7% for Public Service Pension Plan (PSPP) retired members and their survivors. Did you know that 95% of CalPERS retirees receive a 2% cost-of-living adjustment (COLA)? Most state and all school agencies contract for a 2% COLA provision, while public agencies may contract for a 2%, 3%, 4%, or 5% COLA provision. We deduct $1 from your benefits in 2025 for each $3 you earn over $62,160 until the month you reach full schedule for any health plan, please go to the CalPERS website at . Oct 10, 2024 · Who can see their notice online: COLA notices are available online to most beneficiaries through the Message Center of their personal my Social Security account if they created their account by November 20, 2024. As a member, you may choose to withdraw your The 2025 earnings limit for people under full retirement age all year is $23,400. At the end of the tax year, CalPERS issues W-2 tax forms to the retirees for the RBP checks paid. You will receive your Retired Member Statement (RMS) with your personal annual COLA in January 2025, along with the breakdown of your gross monthly pension. All CalPERS Employers; 12/13/2024: 200-049-24 In addition, if a member’s COLA increase is less than one percent in a given year, no COLA increase is applied for that year. 12 hours ago · We provide you a tax form by the end of January each year that shows you how much of your CalPERS pension was taxable. Currently, 95% of CalPERS retirees have a 2% COLA. If you retired last year — 2021 — you won’t see your first COLA until May 2023. 5% COLA for 2025. The reason a COLA might be lower than the current inflation rate depends on how SSA calculates the figure. 4. $280,000 $275,000 Defined Contribution Plan 415 Dollar Limit 2025 CalPERS State Health Premiums (Active and Annuitants) (PDF) Author: California Public Employees' Retirement System (CalPERS) Subject: Plans & Rates Keywords: CalPERS; in-state; state; health; premiums; active; members; annuitants; Effective Date: January 1, 2025; 2025; Created Date: 8/28/2024 2:34:11 PM The 2025 earnings limit for people under full retirement age all year is $23,400. 7% COLA for 2023, the biggest increase in forty years. This benefit has a vesting period of 5 years of CalPERS qualifying experience. Calculating your employee contribution rates takes approximately five minutes. www. 5. 12%. Your COLA Calpers Reitrement Allowance Estimate Request Form 2010-2025. That means if you retired in 2020, you will get your first COLA in May 2022. 5% The Social Security Administration announced that 2025’s COLA will be 2. 00 x 0. Nov 19, 2024 · We wanted to share that the cost-of-living adjustment (COLA) for 2025 is 2. Most state and all school agencies contract for a 2% COLA provision, while public agencies may contract for a 2%, 3%, 4%, or 5% COLA provision. Visit the CalPERS Facebook page. It is also the largest public pension fund manager in the country. 79% Basic (non-Medicare) plans will increase 9. 0). The COLA for CalSTRS retirees is not compounding. Example: Sally’s COLA was initially based on her Jan 6, 2025 · Social Security's 2025 cost-of-living adjustment (COLA) took effect in January. Others include: • Health Program Guide: Describes Basic and Medicare Jun 29, 2015 · More in Service & Disability Retirement. Meanwhile, back in 2022, the CPI-W Jul 16, 2024 · – The CalPERS Board of Administration has approved health plan premiums for calendar year 2025, at an overall weighted premium increase of 10. 7% in 2023, and 5. Jan 1, 2025 · View the 2025 health premiums approved by the CalPERS Board of Administration: CalPERS 2025 In-State Premiums (PDF) CalPERS 2025 Out-of-State Premiums (PDF) Employer Contribution Amounts Active State Members. 3 days ago · Find information for CalPERS employers related to actuarial services, benefit programs, contracts, myCalPERS requirements, and policies & procedures. We’re providing you with changes to health plans for 2025 that were approved by the CalPERS Board of Administration. 2% COLA in 2024, as well as the 8. Apr 21, 2023 · A cost-of-living adjustment (COLA) is an increase in retirement benefits to keep up with inflation. Nov 8, 2022 · Unlike private sector pensions, public retirement funds provide cost-of-living adjustments Jan 1, 2025 · If you change your health plan, you’ll receive new ID cards from your new health plan, not from CalPERS. Amount of unused sick leave. We manage the largest public pension fund in the US. If your monthly Social Security benefit is $1,000 this year, it will be $1,025 starting in January 2025. gov. January 2, 2024 Circular Letter: 200-001-24 Topic: Payroll. Basic Plans Access the 2025 health premiums approved by the CalPERS Board of Administration: CalPERS 2025 In-State Premiums (PDF) CalPERS 2025 Out-of-State Premiums (PDF) Employer Contribution Amounts. If you’re interested in learning more about your CalPERS COLA benefit please take a look at the COLA webpage on the CalPERS website. If you did not receive your ID card by January 1, 2025, contact Included Health if you are in a . 5 percent on October 10. 46. Online calculators are a convenient and versatile tool for performing complex mathematical calculations without the need for physical calculators or specialized software. In 2024, each monthly forecast for the 2025 cola has been higher than the previous one. CalPERS builds retirement and health security for California state, school, and public agency members. 5%, which happens to be the smallest COLA in four years, although this also means that consumer prices are rising at a slower pace, which 1 day ago · We provide you a tax form by the end of January each year that shows you how much of your CalPERS pension was taxable. *For health plan availability by county, please refer to the 2025 Health Benefit Summary or myCalPERS. The CPI represents the cost of an item compared to the cost in 1967. 2% in 2024, 8. 751 and the rate of inflation is 4. As a result, the COLA for CalPERS retirees becomes larger over time. 046. 72%. 5% cost-of-living adjustment (COLA) increase for eligible benefit recipients in 2025. PPPA protects against inflation for those whose benefits fall below minimum levels established by law. 5% COLA in 2025 is the smallest increase in Social Security benefits in four years -- 3. Basic (non-Medicare) plans will increase 9. To help you choose a medical plan for next year, this table compares the monthly premiums for each in-state medical program in 2024 and 2025 and your out-of-pocket costs after the State pays its share. 10. This means members who retired in 2021. Members enrolled in CalPERS' Basic Health Maintenance Organization (HMO) plans will have an average premium increase of 8. CalPERS deducts any applicable FICA taxes from the retiree’s RBP check. Updated: June 29, 2015 . Nov 12, 2024 · The most direct and obvious effect of the new COLA is the increase in monthly benefits. Oct 10, 2024 · 2025 COLA Will Be 2. Years of service as of the last fiscal year. 5%. gov or contact CalPERS at 888 CalPERS (or 888–225–7377). 3 percent, following an increase in january of 0. We’ve gathered some top terms to help you navigate and understand these important decisions, as Jul 17, 2024 · The CalPERS Board of Administration has approved health plan premiums for 2025, at an overall weighted premium increase of 10. Use this tool to find the location code of an area. There are no other changes to our health plans or benefits except those described here. Jun 29, 2015 · More in Service & Disability Retirement. The law says retirees receive their first COLA in their second calendar year of retirement. 08% overall next year. How to Find the Amount of Your COLA. Visit the CalPERS Twitter page. 90 = $2,039. 6. Mar 19, 2024 · Calculate the new allowance after COLA has been applied: Multiply the Base Allowance at Retirement by the COLA Factor to calculate the COLA amount. All CalPERS Employers; 1/2/2025: 200-035-24: Post-Retirement Employment of CalPERS Retired Annuitants – Extra Help. The purpose of this Circular Letter is to inform you of the 2025 compensation limits for classic and Public Employees’ Pension Reform Act (PEPRA) members and provide guidelines for how to report payroll when Internal Revenue Code (IRC) or PEPRA limits have been reached in a calendar year. 2023 COLA for Federal Retirees Highest Since 1981 COLA – The exact percent is based on the annual calculation of the Consumer Price Index (CPI) for all U. 10 = $1,243. On average, retired workers’ social security checks Soaring prices for food, gas and other goods have almost everyone worried, especially those with fixed incomes. Calculate the COLA amount by multiplying the 2023 calendar year COLA factor to the base allowance. A third of the way into the count toward the january 2025 federal retirement cola, the count stands at 0. S. The 2025 earnings limit for people reaching full retirement age is $62,160. CalPERS is a department within the Office of the Governor. Other important 2025 Social Security information is as follows: A location code is sometimes required to compute Overseas Housing Allowance (OHA) and Cost of Living Allowance (COLA). 3 days ago · The Cost of Living Adjustment (COLA) is an essential instrument that guarantees benefits stay up with expansion. We deduct $1 from your benefits in 2025 for each $3 you earn over $62,160 until the month you reach full Sources: IRS Notice 2024-80, 2025 Social Security Fact Sheet, Social Security National Average Wage Index, PBGC Premium Rates, IRS Revenue Procedure 2024-25 i The maximum annual DB plan annuity is specified under Internal Revenue Code (IRC) §415(b)(1)(A) and may need an actuarial adjustment if the retirement date is before age 62 or after age 65, or if the participant’s elected form of Jan 1, 2025 · View the 2025 health premiums approved by the CalPERS Board of Administration: CalPERS 2025 In-State Premiums (PDF) CalPERS 2025 Out-of-State Premiums (PDF) Employer Contribution Amounts Active State Members. The page also provides a chart which displays the percent allowance increase a retiree will receive based on their employer contracted COLA percentage and their Oct 15, 2024 · CalPERS publishes an Annual Review of Funding Levels and Risks (PDF) report to assist the CalPERS Board in assessing the soundness and sustainability of the system. All School Employers; 12/18/2024: 200-050-24: Governor’s Executive Order N-4-24. The 2024 COLA percentage is determined by the annual rate of inflation measured by the Consumer Price Index (CPI), which was 4. Contact your health plan directly if you need additional cards. 08% overall. We deduct $1 from your benefits in 2025 for each $3 you earn over $62,160 until the month you reach full California Public Employees' Retirement System (CalPERS) Subject: 2025 Pay Days for CalPERS Retirees and Beneficiaries Keywords: 2025 Pay Day Schedule for CalPERS Retirees and Beneficiaries; calpers; pay day schedule; retirees; beneficiaries; pay day; schedule; 2025; retirees pay day schedule; Created Date: 12/10/2024 8:29:36 AM Jun 29, 2015 · More in Service & Disability Retirement. To: All CalPERS Employers. We deduct $1 from your benefits in 2025 for each $3 you earn over $62,160 until the month you reach full CPI is determined by the BLS and, by law, it’s the official measure used by CalPERS to calculate COLA. 12% inflation rate will be used to calculate the 2024 COLA for CalPERS retirees. The 2022 COLA will be the largest increase in 40 years, a fact obviously of interest to federal retirees and Social Security recipients. Below are the contribution rates. 5. It then then adds 2% of the increased pension amount the next year, and 2% of the again increased pension amount the next year, and so on. Get the calpers cola 2024 calculator pdf 2010 template, fill it out, eSign it, and share it in minutes. CalPERS Death Benefits; CalPERS Retirement Options for CEA and Exempt Appointments; Preparing for Retirement; Retiree Dental Benefits; Retiree Group Legal Services Insurance Plan; Retiree Health; Retiree Vision Program; Retirement Benefits; Savings Plus for Retirees. Benefits will increase 2. 10; The 2022 calendar year payable COLA amount is $243. More details will be available on our website in spring 2025. 2022 COLA: 5. 2 days ago · The 2025 COLA has been released. Oct 8, 2024 · The CalPERS Board of Administration has approved health plan premiums for 2025, at an overall weighted premium increase of 10. On average, retired workers’ Social Security checks will increase by an estimated $48 on January 1, from $1,920 to $1,968. The social security cost of living adjustment (cola) for 2025 will likely be 3. CalPERS Health Program The 2025 earnings limit for people under full retirement age all year is $23,400. All CalPERS Employers; 1/6/2025: 200-001-25: 2025 Compensation Limits for Classic and PEPRA Members. You can now securely access your retirement check details anytime, anywhere, and on any device. The page also provides a chart which displays the percent allowance increase a retiree will receive based on their employer contracted COLA percentage and their Oct 10, 2024 · For Immediate Release: October 10, 2024 Cost-of-Living Adjustment for 2025 Announced at 2. Deciding on a retirement date, submitting forms, and evaluating future income streams are just some of the decisions to consider. Savings Plus for Rehired Annuitants; Savings Plus Retirement Planning; 2021 Jan 23, 2024 · The COLA limits are: 2% for Plans 4, 5, 6, and 7; 3% for Plan 2 and Probation Plan 1; 5% for General and Safety Plan 1; Plan 3 does not provide a COLA. 5 percent COLA for 2025. Nov 1, 2024 · Article Planning for 2025: Employee Benefit Plan Changes Taking Effect December 13, 2024. Dec 31, 2024 · For this reason, it is often referred to as the 2025 COLA. Oct 24, 2024 · CalPERS October 2 4, 202 SUBJECT: PEPRA Compensation Limit for 2025 To Whom It May Concern: Pursuant to a request from a Public Agency, the California Actuarial calculation of the Pension Compensation Limits for the Calendar Year 2025. 00 + $243. 6%. Find information for CalPERS retirees related to cost of living, health & Medicare plans, retirement checks, taxes, and working after retirement. 82% Apr 21, 2023 · A cost-of-living adjustment (COLA) is an increase in retirement benefits to keep up with inflation. Oct 19, 2022 · Cola Increase 2025 Calculator & other calculators. The 2025 earnings limit for people under full retirement age all year is $23,400. cities the year following your retirement, up to a set limit based on your contract. Monthly BenefitsRetirees’ Sep 19, 2024 · Board Approves Maximum COLA for 2025 At its September meeting, the Board unanimously voted to approve a 2. The average year-over-year increase during this period is used to set Dec 6, 2024 · Social Security's COLA for 2025. January 2, 2025 Circular Letter: 200-001-25 Topic: Payroll. 6 million retired California public employees. To find the actual dollar amount of your monthly COLA amount, review your benefit statement, check stub, or login to MySamCERA. calpers. 12% for 2023. There are new employee benefit plan provisions taking effect in 2025 driven by existing laws such as the Employee Retirement Income Security Act of 1974 (ERISA) and the Setting Every Community Up for Retirement Enhancement Act of 2022 (SECURE 2. Members enrolled in CalPERS' Basic Health Cola 2025 Prediction Calculator. Getting straight to the point, COLA is an acronym for cost-of-living adjustment. Inflation cooled rapidly in the third […] Securely Access Your Retirement Check. 9%; Largest in 40 Years. Other Health Publications This publication is one of many resources CalPERS o˚ers to help you choose and use your health plan. 90; The 2023 calendar year COLA is $1,039. 2025 Cost of Living Adjustments Limit 2025 2024 Defined Benefit Plan The lesser of the maximum dollar limitation for annual benefits under defined benefit plans under Internal Revenue Code (IRC) Section 415(b)(1)(A) or 100% of the participant’s average compensation for his high 3 years. Oct 10, 2024 · The annual COLA is meant to keep federal retirees’ and Social Security recipients’ benefits on pace with rising inflation. As of the latest available data (November), the average retired worker receives a monthly Social Security benefit of $1,925. Jan 8, 2025 · Calculate Your SS Benefits August, and September 2024, the CPI-W average was 2. Monthly BenefitsRetirees’ Calpers 2025 Cola Estimate. There are also plenty of CalPERS-specific terms used to communicate the nuances of these decisions. 12% inflation rate will be used to calculate the 2024 cola for calpers retirees. Just as the name suggests, these are adjustments in the size of recurring payments CalPERS is the largest pension fund in the nation offering benefits to 1. CalPERS invoices the employer(s) for their portion of the taxes. 1 Dental and Vision coverage is an additional $38. 5% higher than in those same months in 2023, giving us the 2. ” Cost-of-Living Adjustment (COLA): Based on the increase in the Consumer Price Index (CPI-W) from the third quarter of 2023 through the third quarter of 2024, Social Security and Supplemental Security Income (SSI) beneficiaries will receive a 2. The wait is over for those who may have been wondering about your retirement income in 2025. Your final compensation (you must calculate this figure). Your BASE year gross annuity amount x the COLA Factor = your individual COLA [Webmaster's Note: The COLAs for more recent retirees are more than 2%, because these retirees did not receive the full 2% COLA for several years owing to low inflation rates. Alameda, Alpine, Amador, Butte, Calaveras, Colusa, Contra Costa, Del Norte, El Dorado, Cost-of-Living Adjustment (COLA) While you are receiving temporary annuity, your cost-of-living adjustment (COLA) is based on your increased retirement allowance When your temporary annuity payment stops, the COLA will be recalculated based on your retirement allowance without temporary annuity. The senior citizens league recently revised its 2025 cola forecast to 2. Jan 1, 2025 · In October, the SSA announced the 2025 COLA would be 2. 2% based on a jump in consumer price data through august. Many of our notices The 2025 earnings limit for people under full retirement age all year is $23,400. 0399 = $1,039. Region 1. gov or contact us at 888 CalPERS (or 888-225-7377). If you retire instead on January 1, 2024, that single day’s difference can delay the first eligibility by up to one year and you wouldn’t receive your first COLA until May 1, 2026. We deduct $1 from your benefits in 2025 for each $3 you earn over $62,160 until the month you reach full CalPERS 2025 Health Plan RatesCalPERS’ health care Open Enrollment starts September 16 and ends on October 11, 2024. 3 days ago · Find information for CalPERS retirees related to cost of living, health & Medicare plans, retirement checks, taxes, and working after retirement. These adjustments are fundamental in keeping up with the buying force of recipients, particularly in the midst of <a title="COLA Increase May 9, 2024 · The complete actuarial valuation report is expected to be available on the CalPERS website later this summer. 6 million public employees, retirees, and their families. Most pension payments are taxable, and the amount of tax withheld depends on your total income for the year and the income tax withholding election you make. The actuarial office studies and recommends economic and demographic assumptions to help determine contribution requirements as published in the CalPERS Experience Study and Review Find answers to frequently asked questions. Most state and all school agencies contract for a maximum of a 2% COLA that is compounded annually, while public agencies may contract for a maximum of a 2%, 3%, 4%, or 5% COLA. 2. If If you retire on December 31, 2023, your COLA would be based on the CPI for 2024, and you would receive your first COLA May 1, 2025. The Social Security Administration’s announcement Thursday of the 2025 COLA comes after the Bureau of Labor Statistics released September’s Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) — the final number needed to calculate the 2025 COLA. CalPERS Health Program 4. 00 per member per month premium. Find more details about your 2025 cola, how it’s calculated, and May 1, 2024 · COLA begins the second calendar year of retirement and is based on your retirement date, your base retirement allowance per employer, and the percentage each employer is contracted for. May 1, 2024 · Most employer contracts set the COLA as a maximum of 2% of your retirement base pay. Factors Affecting the CalPERS COLA Adjustment. Your retirement formula (it’s on your latest Annual Member Statement). Eligible retirees, beneficiaries, and survivors who receive a monthly benefit will receive the COLA in their May 1, 2024, retirement check. Access the 2025 health premiums approved by the CalPERS Board of Administration: CalPERS 2025 In-State Premiums (PDF) CalPERS 2025 Out-of-State Premiums (PDF) Employer Contribution Amounts. It adds 2% in the first year. 2431 = $243. For example, if you retire on December 31, 2023, your COLA would be based on the CPI for 2024, and you would receive your first COLA May 1, 2025. 2025 CalPERS Health Premiums For Public Agency and School Members For more information visit our website at . Your benefit factor is the percentage of pay to which you are entitled for each year of service. View the 2025 health premiums approved by the CalPERS Board of Administration: Jul 17, 2024 · The CalPERS Board of Administration has approved health plan premiums for 2025, at an overall weighted premium increase of 10. This year’s 4. Preferred Provider Organization (PPO) Basic premiums will increase 9. 82% Member Member CalPERS 2025 Out-Of-State Health Premiums (Actives and Annuitants) Effective Date: January 1, 2025 Out-of-State Basic Monthly Premiums (B) San Diego City Employee's Retirement System - 401 West A Street, Suite 800, San Diego, CA 92101. $1,000. Your cost is any amount above the employer contribution. Estimate your calpers retirement allowance using our online calculator. 7. If you have questions, call our CalPERS Customer Contact Center at 888 CalPERS (or 888-225-7377 888-225-7377). Calculate the COLA amount payable. We add these together to get the new allowance after the COLA has been applied. At CalSTRS, we offer two programs intended to ease the impact of inflation on our members. Less than 5 percent of all CalPERS retirees are currently subject to a 3, 4 or 5 percent COLA provision. We deduct $1 from your benefits in 2025 for each $2 you earn over $23,400. CalPERS offers reciprocity for service time in some other public agencies. Retirees receive an annual COLA paid in the May 1 warrant of each year. PERS Gold and Platinum health plan ID cards were mailed mid-December 2024. Public agency and school health regions by county. By statute, SERS’ COLA is based on the year-to-year change in the Consumer Price Index (June 2023 to June 2024) for Urban Wage Earners (CPI-W), with a CalPERS builds retirement and health security for California state, school, and public agency members. To calculate the COLA, the Social Security Administration tracks the change in the CPI-W during the third quarter of the year. Analysis Dec 12, 2022 · Understanding Your Benefit Factor and Final Compensation. COLA begins the second calendar year of retirement and is based on your retirement date, your base retirement allowance per employer, and the percentage each Since more than 95% of all CalPERS retirees receive a 2% COLA, that means your employer selected that percentage as your annual COLA — not CalPERS. How do you calculate purchasing power and SBMA payments? Using California’s rate of inflation from the previous fiscal year, CalSTRS assesses the level of purchasing power for retirees after application of the annual simple benefit adjustment of 2% increase. my Social Security is a secure, convenient way to receive COLA notices online and save the message for later. This tool will help you calculate your employee contribution rates for health, dental and vision benefits and allow you to compare plans to make informed financial decisions regarding your benefits. CPI is determined by the BLS and, by law, it’s the official measure used by CalPERS to calculate COLA. May 1, 2022 · CalPERS then calculates the COLA for each retiree. The Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) rose 2. Phone: (619) 525-3600 | - Toll Free: (800) 774-4977 - FAX: (619) 595-0513 Allianz, Calpers to Cut Portfolio Emissions by Up to 30 by 2025, This year’s 4. Scott Terando, Chief Actuary Actuarial Office Nov 1, 2022 · However, the COLA for CalPERS pensions is compounding. Questions. This is the amount you received when you retired, not necessarily the amount you currently receive. 00 + $1,039. Purpose. 9% in 2022 -- that means prices across CalPERS Website. There's no action for you to take now. Find information for active members on CalPERS health plans, rates, and benefits. 79%. This calculator will require more information from you: Name, date of birth, and planned retirement date. ca. Narrow your results by entering keywords into the search box or filtering by subject. More Open Jan 10, 2025 · 2025. Currently 95 percent of CalPERS retirees are subject to a 2 percent COLA provision. 2% over the last 12 months to an index level of 309. There is much to consider when planning your life after retirement. responsibilities of the Panel include “Replying to policy questions comment upon request by public agencies. Consistently, a great many Americans getting Social Security and other federal advantages see changes in their instalments because of COLA. By statute, SERS’ COLA is based on the year-to-year change in the Consumer Price Index (June 2023 to June 2024) for Urban Wage Earners (CPI-W), with a Dec 31, 2012 · myCalPERS account at my. gwglzn oodzowfl twtqdq ijdbdez puyh hxzp fxgmy qnnsds smmfx dmrdxen