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Classified employees and some faculty members participate in . Classified employees must be employed at 50% or greater FTE to participate in this plan.

PERS of Nevada is a tax-qualified defined benefit plan created by the Legislature as an independent public agency to provide a reasonable base income to qualified employees who have been employed by a public employer and whose earning capacity has been removed or has been substantially reduced by age or disability. It was also created to make government employment attractive to qualified employees and to encourage them to remain in government service for such periods of time as to give employers and the people of the state the full benefit of the training and experience gained by the employees while employed in public service.

Employees have the option to contribute under one of two contribution options: 

1. Employee/Employer Contributions (EEC)

   • The employee and the employer each make a contribution to PERS. The contribution made by you is on an after-tax basis. The employee contribution to PERS under this plan is 17.5% and the employer contribution is 17.5%.

   • If you terminate during the first five years of your employment and you take a refund of employee contributions, upon termination, it will close your account with PERS and result in no future entitlement to a PERS benefit.

   • You may switch to Employer Paid Contribution (EPC) at any time, but you may only make this election once.

   • Employee contributions remaining in your PERS account at your retirement will result in your part of your income being non-taxable.

2. Employer Paid Contributions (EPC)

   • Under this pre-tax plan, the employer pays the total PERS contribution on your behalf at a rate of 33.50% for regular members. You pay for your half of the PERS contribution through a salary reduction. 

   • Your salary is multiplied by a factor to determine your reduced pay rate and reflects the contributions made by the employer to PERS.  The current EPC factor is 0.856530% for Regular members.

   • Employees may voluntarily choose to participate under the Employer Paid Contribution (EPC) plan at any time.

   • Once you select the Employer Paid Contribution (EPC) plan, you cannot switch back to the Employee/Employer Contribution (EEC) paid plan.

   • Contributions made by the employer under Employer Paid Contribution (EPC) retirement are not available for refund to you should you terminate your employment.

   • The employer-paid option provides you with more take-home pay than the employee/employer option because of the tax treatment under each option.

Health insurance is provided for the employee through the State of Nevada . For new employees, coverage begins on the first day of the first full month of employment.

 The plans offered are Self-Funded Plan with Preferred Provider Options (PPO), Low Deductible (LD-PPO) or Exclusive Premier Plan (EPO). The plan includes medical, dental, vision, and $25,000 term life insurance. Spouse/Domestic partner and dependent coverage is also available; dependent coverage is paid 100% by employee.

For additional information and for a complete overview of the health insurance benefits that are provided, member services, or to locate a provider in the area, visit the .

** Enrollment into your Health Insurance Plan should occur within 15 days of your employment contract start date or no later than the last day of the month that your coverage is scheduled to become effective. Failure to complete enrollment to elect or decline coverage within the specified timeframe will result in coverage being defaulted to the Employee Only tier with the Consumer Driven Health Plan and a Health Reimbursement Arrangement (HRA)

Coverage highlights

• Services covered under all plan options are the same. One plan is not better than the other; the plan options vary in the way that you will pay for qualified medical expenses.

• All plans have a preferred provider Network; The EPO and HMO insurance plans require preferred providers for all medical expenses.

• All plans have the same dental plan administered through . Dental coverage is part of the comprehensive medical package and requires enrollment into one of the medical insurance plans.

• All plans offer a term life insurance policy as part of the comprehensive medical package and require enrollment into one of the medical insurance plans. The provider for the term life insurance policy is  and requires that you designate your beneficiaries for this term life insurance policy. You may designate your term life insurance beneficiaries by logging onto the 

• Monthly premiums will be paid through payroll deduction. Your monthly premium will depend on the plan and coverage level that you choose.