Delaware teachers are in the Delaware State Employees' Pension Plan (SEPP). Inside it, the date you were first hired, before or on/after January 1, 2012, sets your rules.
Delaware has no separate teachers' retirement system. Public school teachers and other school employees are members of the State Employees' Pension Plan (SEPP), along with other state employees. The Delaware Office of Pensions runs it.Summary Plan Description (2026), p. 6, Welcome; p. 7, Membership: Eligibility (a school district which is part of the State School System; the State Department of Education)
SEPP also covers Delaware charter schools (since 1996), Delaware State University, Delaware Technical Community College and University of Delaware employees other than most faculty and designated professional staff.Office of Pensions SEPP page (saved Nov. 12, 2026), Participants; Summary Plan Description (2026), p. 7
Membership is mandatory in a pension-creditable (full-time or regular part-time) position; your employer enrolls you. Temporary employees and people whose main role is being a student are not members.Summary Plan Description (2026), p. 7, Eligibility; p. 8, Contributions
Your rules depend on when you were first hired into a pension-credited position: before Jan. 1, 2012, or on or after Jan. 1, 2012.Summary Plan Description (2026), p. 18, Table 2; 29 Del. C. §5501(i)
Your group at a glance
Your group comes from the date you were first hired into a pension-credited job with a participating employer, not your current district's hire date. Summary Plan Description (2026), p. 18, Table 2; SEPP FAQs (saved Nov. 12, 2026), 'Am I eligible to retire?' (A001/A002); 29 Del. C. §5501(i)
Hired before Jan. 1, 2012
Full pension
age 62 with 5 years, age 60 with 15 years, 30 years at any age
Reduced pension
55 with 15 years, or 25 years at any age; cut 0.2% a month
Vested after
5 years in a row
Former employee's pension
At 62
You pay
3% of pay above $6,000 a year
First hired into a pension-credited position before Jan. 1, 2012 (Office of Pensions code A001).
Hired on or after Jan. 1, 2012
Full pension
age 65 with 10 years, age 60 with 20 years, 30 years at any age
Reduced pension
55 with 15 years, or 25 years at any age; cut 0.4% a month
Vested after
10 years, 5 in a row
Former employee's pension
At 65
You pay
5% of pay above $6,000 a year
First hired on or after Jan. 1, 2012 (a 'post-2011 employee'; code A002).
Both groups use the same formula: 2% of final average pay for each year before 1997 and 1.85% for each year from 1997 on. Summary Plan Description (2026), p. 23, Service Pension Calculation, Figure 1 Hired in 2012 or later, overtime isn't counted in your pay. 29 Del. C. §5501(g)(1), (g)(3); §5501(c) (post-2011: excluding overtime payments)
Who else is in SEPP
Special groups such as 911 operators and correctional officers pay different rates and aren't covered by this site's calculator. Summary Plan Description (2026), p. 8, Table 1
Not in SEPP
University of Delaware faculty. Most University of Delaware faculty and designated professional staff first employed after June 1, 1970 are not SEPP members; the statute ties them to the Teachers' Insurance and Annuity Association Retirement Plan. Other University of Delaware employees are in SEPP. Summary Plan Description (2026), p. 7, Membership: Eligibility (University of Delaware, excluding most faculty and designated professional staff); 29 Del. C. §5505(1)-(3)
Other Delaware plans. The Office of Pensions also runs the New State Police, Judicial, County and Municipal (general and police/firefighter), Legislative/elected-official and volunteer firefighter plans. None covers school teachers. Service in the New State Police, County and Municipal, County and Municipal Police/Firefighters' and Judicial plans can be unified with SEPP service at retirement to meet eligibility. Summary Plan Description (2026), p. 11, Unified Service; Office of Pensions workshop slides (Aug. 4, 2026), slide 10; slide 18 (calculator list); 29 Del. C. §§5520-5521
Are Delaware teachers in a separate retirement system?
No. Public school teachers and other school employees are members of the Delaware State Employees' Pension Plan (SEPP), the same plan as other state employees. The Delaware Office of Pensions runs it.
Does SEPP have tiers?
Two groups, set by the date you were first hired into a pension-credited job: before January 1, 2012, or on or after it. The law calls the second group "post-2011 employees".
Are University of Delaware faculty in SEPP?
Most University of Delaware faculty and designated professional staff are not; the law puts them in a TIAA plan. Other University of Delaware employees are in SEPP.
Source: State Employees' Pension Plan Summary Plan Description, 2026 edition (PDF dated May 14, 2026), pp. 6-9, 11-12, 18, 23-24. Also: Office of Pensions workshop (Aug. 4, 2026), slides 6-10, 18; Office of Pensions SEPP FAQs; Office of Pensions SEPP page; 29 Del. C. §§ 2011, 5501, 5505, 5520. Last reviewed .