Can I borrow upon or withdraw my Employees’ Retirement System contributions?
For contributory and hybrid, members cannot borrow on ERS contributions.
While employed in a position that requires ERS membership, contributions are mandatory by law and cannot be stopped or suspended. Withdrawal of accumulated contributions is only permitted through a refund either at the time of retirement or when the member is not employed in a position requiring ERS membership.
Noncontributory members do not make contributions toward their retirement.
Call the ERS for more information.
How do I know what plan I’m in?
If your employment began on or after July 1, 2006, you are a Hybrid plan member (unless you were employed in one of the following categories: Police, Fire, Certain Public Safety Officers, Judges, Elected and Legislative Officers).
If your employment began on or after July 1, 1984, You are a Noncontributory plan member (unless you were employed in one of the above shown categories or made an election to join the Hybrid Plan in 2006).
If your employment began prior to July 1, 1984, you are a Contributory plan member (unless you made an election to join the Noncontributory plan in 1984 or made an election to join the Hybrid plan in 2006).
See plan information here: https://ers.ehawaii.gov/members/active.