Is the Legislature putting people first? However, many are permanent. and The Legislature has so far chosen to ignore the request. Retirement Operations Center
U.S. Bureau of Labor Statistics Retirees are frustrated and angry over their treatment by the Legislature. L&I Covid-19 Premium Deferral Program and the L&I Accident Fund, Work Injury and Workplace Accident Heroes: Nominate Workers That Saved Lives, Fraud in L&I Claims and Workers Compensation Claims in Washington State, L&I Cost of Living Adjustment (COLA) and the Washington State Accident Fund. Union members here in Washington and across the country lobbied Congress to ensure passage of the American Recovery Act, providing critical funding for state and local governments. Without a cost-of-living adjustment (COLA), they lose purchasing power every year with most down 20% or more over the years. For Washington state public employees who wish to know their own individual pension benefit, please use the Department of Retirement Services worksheet available online. Subscriber . All fields are required. *For additional information, read the OSA's full report. Plan 1 PERS and TRS retirees previously received a Cost of Living Adjustment (COLA) like the members of many other plans in the state. On the afternoon of Monday, February 27, the Washington State Senate unanimously passed two bills that grant a one-time cost of living adjustment (COLA) to Plan 1 retirees and lay the groundwork for a recurring COLA. Workers Compensation Appeals: How Long Will My L&I Claim Appeal Take? March 15, 2022 2,041 Views. And, many businesses have been forced to close. My Self-Insured Employer Has a TPA What Does That Mean? There was no one organization, or there was no Loan Ranger to take credit for SSB 5791 passing. Click here to read the updated COLA information. Most Plan 1 pensioners retired in the 1970s or 80s when salaries were far lower than they are today. For the year 2023, annuitants who retired under CSRS will receive 8.7 percent increase and those who retired under FERS will receive a 7.7 percent increase. He died March 16. Most state retirees and all school retirees contract for a 2 percent COLA Provision, and public agencies can . From the Governor's desk, bills go to the Secretary of State who assigns a session law chapter number. 6 Steps You Must Follow to Prepare for an IME exam. OLYMPIA (Oct. 1, 2021) Members of the Washington Federation of State Employees/AFSCME Council 28 (WFSE) this week voted to ratify an agreement with the state to provide "the largest pay increase and lump sum payment negotiated in several years" for the state's General Government employees in 2022. providing employers more than $100 million to help keep more than 40,000 employees on light duty . Designated beneficiary where death occurred on or before 6/9/2022. We must receive your proof no later than 30 days before you or your dependent turn age 65 (or if delayed, no later than 60 days after turning age 65). Everett police Officer Dan Rocha, 41, died Friday after a man shot at him several times and later drove over him while fleeing, said Courtney OKeefe, spokesperson with the Snohomish County Sheriffs Office. At the time she retired, she received a 3 percent COLA. Yakima Union Gospel Mission (YUGM) in Yakima, Washington, describes its mission as "helping people move from homelessness to wholeness" on its website and . Last Updated March 2017, Law Enforcement Officers' and Fire Fighters' Plan 1 Hand Book, Contact - 1-800-547-6657Last Updated March 2017, Leoff1 Plan Disability BenefitsClick Here, Leoff1 Plan Disability Board GuidelinesClick Here, Washington State Department of Retirement Systems The LEOFF 1 Coalition website contains some files that come in a "pdf" format which requires Adobe's Acrobat Reader in order to view and search through the documents. This General Government agreement will bring the largest pay increase and lump sum payment negotiated in several years. Caregiver Work Injury Cases and Occupational Hazards, Work Injury and Negligence in Workers Compensation and L&I Claims, Self-Insured IME Exams: L&I Implements New Rules in Washington State. Say that you had a workplace injury. The Governor may decide to sign it, veto part of it, or veto all of it. Directions, Hours: Monday thru Thursday, 8:00 a.m. to
We usually respond within 1 to 3 weeks after we receive your mail. Easier to Submit Written Testimony You may submit written testimony online from the time a bill is scheduled until up to 24 hours after the start of the hearing (committees are paperless and hand-outs are no longer accepted). If you have any questions or concerns, please contact | Membership Dues State Pension Plan retirees will receive a two-part COLA that is capped as follows: COLA . Are you preparing to retire? COLA rates established for 2022. What Is the Best Outcome for My L&I claim? Read more; Footer link September 20, 2018. You may now register to testify from any location, even from home. Until last year, Plan 1 members had not received any adjustment to their pensions since 2010. Last year, the cost of living change of 5.5% was also historically high. A Christian homeless shelter filed a lawsuit against Washington state officials Thursday alleging that the state's anti-discrimination law prevents the shelter from only hiring employees that agree with their faith-based worldview. Special thanks go out to Senators Mark Schoesler and Shelly Short, who sponsored the Surplus Bill SSB 5791 concerning LEOFF 1. PPD Rating in L&I Claims (and Why Most Doctors Wont Do It), L&I Claim and Arthritis Around the Spine A Challenging Medical Condition. Office 360 570 1035, cell 360 790 9129. Do Not Give Personal Information. Washington, DC 20415 Directions. COLA percentages are provided to us by Washington State law. Adjustments. Ohio is one of seven states in which most public pension . Construction Work Injury and Roadwork Injuries in Washington State Can We Prevent Them? of the Of the 15 public pension plans in Washington state, only two have no COLAsfor retirees to protect their standard of living from being continually eroded by inflation PERS 1 and TRS 1 (known collectively as Plan 1). Without a COLA, Plan 1 retirees have no way to keep up with skyrocketing health care costs, groceries and basic living expenses. PERS 1 is the public employees retirement system, a defined benefit retirement program that includes state employees and school classified employees, such as custodians, classroom assistants, bus drivers and cooks. Most pension plans in Washington State administered by the Department of Retirement Systems (DRS) provide a COLA. Effective April 1 of 1971, and of each succeeding year, every retirement allowance which has been in effect for more than one year shall be adjusted to that dollar amount which exceeds its original dollar amount by the percentage difference which the department finds to exist between the index for the previous calendar year and the index for the calendar year prior to the effective retirement date of the person to whom, or on behalf of whom, such retirement allowance is being paid. A modest one-time COLA for Plan 1 members is an important step to remedy this inequality and keep seniors from falling onto public welfare programsthat are far more costly to government than a COLA. 4:00 p.m. Disability insurance, also paid by the county, provides income protection in the event a non-work-related injury or illness . This is a historically high increase. According to the Department of Retirement Systems (DRS), the majority of Plan 1 members are women (60%) and have an annual pensionunder $24,000. COLAs are limited to a maximum of 2%, compounded annually, for all school retirees and First-Tier State of California retirees. To generate the COLA percentage that will take effect at the beginning of 2023, the SSA then takes the 2022 average CPI for those summer months and compares it to the 2021 average. Select Accept. Our plan is to email members we have email addresses for. U.S. Office of Personnel Management
Click here to read the full article on the Seattle Times' website. 407 West Bay Dr NW Scammers want your money, and they are calling LEOFF 1 Members and beneficiaries and impersonating the Dept. Lock
The Washington State Department of Retirement Systems (DRS) administers the Public Employees' Retirement System and the Deferred Compensation Program (DCP). Washington Education Association acknowledges that we live, work, and learn on the traditional territories of theCoast Salish People and that our headquarters occupy this land. The L&I COLA for 2022 -2023 will be 7.5%. We offer monthly retirement webinars that walk through eligibility, the enrollment process, and explain what benefits are available. Washington State Patrol Retirement System (WSPRS) Select a table from the drop-down below: .
What do these older retirees need? A .gov website belongs to an official government
The average age of an individual retiree in these plans is 76 making their 80,000-plusmembers among the oldest of state retirees. The Select Committee on Pension Policy (SCPP) is responsible for the PERS retirement plan, among others, and has been considering options for providing a cost of living adjustment (COLA) for PERS plan 1 retirees. Watch a Zoom Webinar review of the agreement here, Meta solidarity | Housing options needed | Howard runs | Whats woke, Starbucks egregious | UI overpayments | Unions destroy pay gaps, Sign petition: Stop union-busting at Financial Institutions agency, Heres how you can support fair health prices in Washington, Starbucks needs PRO Act | Safe staffing update | AFL-CIO hails Julie Su, Richard L. Trumka PRO Act reintroduced in Congress. A recent ruling in Thurston County Superior Court, however, has called into . COLA rates established for 2021. Lawmakers failed to help some of the oldest school retirees, who don't received regular cost-of-living adjustments to their pensions. Our busiest time is between 10:30 a.m. and 1:30 p.m. In other words, employers had to pay higher workers injury insurance rates towards the fund. That COLA was eliminated in 2011 due to the economic downturn . Late L&I Claim Filing: What Happens If I Delay Or Wait Long to File an L&I Claim? The Department of Labor and Industries (L&I) recently announced the 2020-2021 benefits schedule. How do Measures Change if Experience is Different than Assumed? Some brief facts about Washingtons oldest teachers: For the first 25 years,just as withthe other state plans, Plan 1 retirees received increases most of which were for 3%. Governor's actions: No Amendments as of 1:30pm March 3, 2022 Download and review the agreement here. Save my name, email, and website in this browser for the next time I comment. Cost-of-Living Adjustments (COLAs) for DRS-administered retirement systems and plans that receive a COLA have been established for 2021. Most retirees are eligible for COLA starting at the age of 62 under one of these federal retirement programs: Federal Employees Retirement System (FERS) . You may also have term life insurance. Although the increase in funding for salaries is applied to state funded positions and programs, the bargained salary increase must apply to all district employees regardless of their funding source in the 2022-2023 school year. If death occurs before 6/9/2022 and there is no survivor or designated beneficiary no payment is owed. If you have any questions at all, please call Joyce Willms, LEOFF 1 Coalition Executive Director: (360) 570-1035 or (360) 790-9129. Please print, fill out, and send this form. Joyce Willms, Executive Director of the LEOFF 1 Coalition, the only statewide organization exclusively representing Retired LEOFF 1 Members and Beneficiaries. Spouse and child coverage also is available. As a society, we cannot afford to empty this workers compensation insurance fund and hope to save it with rate-increases later. Yes, a 3% COLA would cost $25 million, but that is less than one-half of 1% of the $5 billion in new money that was included in the 2019-2021 budget the governor just signed. LEOFF Plan 1 lump-sum calculate your payment. State lawmakers are considering an extension of the meal program, lowering the threshold for schools to offer free school meals to all students. Joyce Willms Executive Director LEOFF1 Coalition For more government information and phone numbers, Click Here! This 7.5% cost of living adjustment is a welcome and significant increase in benefits for injured workers. 15310 163rd Court SE Renton, WA 98058-8122 425.226.3793. It isnt a coincidence that L&I rates had to increase after those employer rebates. 800.547.6657 Medicare retiree premiums for subscriber & spouse/state-registered domestic partner; subscriber & children; and subscriber, spouse/state-registered domestic partner, & children will be available in mid-October on the HCA website at hca.wa.gov/pebb-oe and in the customized letter retirees will receive with their October newsletter. 3.00%. A special thank you goes out to the bargaining team and WFSE members who took action to help secure this agreement. K-12 funding will include a 5.5% COLA. SSB 5791: Providing a lump sum benefit to LEOFF 1 retirees a lump sum benefit of $100 per service credit month for LEOFF 1 members and their beneficiaries. WEBSITE, Annual Inflation Olympia, WA 98502, Please print, fill out, and send this How do I notify SEBB that my loved one has passed away? A special thanks goes out to members and staff on the bargaining team who worked tirelessly to negotiate this agreement. 2022-2023 Washington Federation of State Employees, General Government (WFSE GG) Biennium. For general legislative information, bills not listed on this site, or information about accessing the Legislature's COVID-19 Session Plan, please visit the Washington State . The 2018 Legislature granted a 1.5% one-time increase. RPEC Weekly Newsflash, March 3, 2023. (Effective Sept. 1), Community and technical colleges will receive 4.743%. If you're a public agency retiree and don't . You will continue getting a COLA after you have reached your COLA cap. secure websites. The total rate is paid into 4 funds that provide benefits when workers are hurt on the job: The accident rate, which pays for time-loss and disability awards. April 11, 2022 0. For those interested in testifying on a bill in committee, here are ways to testify for a committee hearing remotely. Social Security March 2, 2023 Career transitions and your retirement Changing careers can affect your retirement account. With COLAs, Social Security and Supplemental Security Income (SSI) benefits keep pace with inflation. Falling From a Roof Why We Must Take Work Safety More Seriously. Pre-Existing Conditions in Workers Compensation: What Will Happen to My L&I Claim? Members of this group for whom we do not have an email address will be contacted by telephone in the very near future. If you don't already have it, you can download it here. You can use a web-enabled device to go to www.app.leg.wa.gov/csi or use one of the sign-in kiosks located on the Capitol Campus. For retirees, the increase is automatically added to the pension check starting July 1. | Contact Us, Join LEOFF I It also closed in 1977. (Photo by Ted S. Warren/AP), At the conclusion of the Washington Legislatures recent session, leaders in both houses claimed victory. Watch the debate on TVW: Governor's actions: The Governor reviews the bill. This proposal is . Register today to attend an All-member Strategic Planning Listening Session, April 14, Register today for Health Care Authoritys Virtual and In-person Listening Sessions and Public Forums, Represent RPEC at Legislator Town Hall Meetings, Plan 1 Pension Bills Pass Appropriations Committee. 2023 Washington Education Association, All Rights Reserved. This agreement addresses the lack of a general wage increase in 2021 and acknowledges the impacts on those who adjusted to telework, those on the frontlines, and lower wage earners who were most impacted by the COVID-19 pandemic. Unfortunately, these rate increases were necessary. Therefore, now more than ever, its important to focus and monitor the financial health of the Accident Fund. Closed on federal holidays. L&I Claim Retraining: The Importance of Good Retraining Plans, L&I Claim Interpretation Services in Washington State, L&I Claims and Causal Relationship Challenges: Diagnoses That Come Later, L&I Claim: New Treatment Guideline for Low Back Conditions, Costs of L&I Claim Appeal in Washington State, L&I Claim News: Physical Therapy and Occupational Therapy Guideline. For all other plans that are eligible for a COLA . Prior to July 2, 2022. In fact, there were $200MM in workers compensation rebates for employers in 1999 and 2000, and $315MM in rebates in 2007. What if I Disagree With a Decision in My L&I Claim or Workers Compensation Claim? L&I Claim Board Decision: A Story About Significant Board Decisions. In 2003, the rate increase was an astonishing 28.8%. . Click on the names to find links to email forms or websites. These collective bargaining agreements are effective during the biennium covering July 1, 2021 through June 30, 2023. Plan 1 COLA. The summary of this agreement is posted according to RCW 43.88.583. Retirees retired on or before 6/9/2022. L&I Wants My Treating Provider History What Do I Do? | Publications For example 1year = 12 service credits x $100.00 = $1200.00 per year The bill also . You must have JavaScript enabled to use this form. If your local has not already addressed this, the increase in funding may not be automatic and may need to be bargained. LNI Benefits, LNI News, LNI Pension, Uncategorized, Your email address will not be published. 5.5% for 2022-2023 will bring salaries in line with IPD over the last five years. Claim closure What does claim closure mean? Changing an Attending Provider During an Open L&I Claim: What are the Rules? If you would like to review more information about the COLA this year, please refer to the 2020-2021 Benefits Schedule. Your claim number will start with "CSA" or just "A", or with "CSF" or just "F"; have 7 numbers in the middle; and end with 1 number or 1 letter. Service retirees or their beneficiaries are entitled to a payment of $100.00 for each month of service credit. For the purposes of this section, basic allowance shall mean that portion of a total retirement allowance, and any cost of living adjustment thereon, attributable to a member (individually) and shall not include the increased amounts attributable to the existence of a child or children. Washington State School Retirees' Association; Steve Segall, Thurston . Jul 31 Aug 31 A chart of the 2021 COLA figures can be found here. LEOFF I Coalition Postemployment Cost of Living Adjustments: Concepts and Recent Trends, Gabriel Roeder Smith, April 2011 TRS 1 is the teachers retirement system, a defined benefit retirement programthat closed to new enrollees in 1977. All testifiers are automatically registered for Zoom and will receive a link in case their plans change. Based on the increase in the Consumer Price Index, there will be a 5.9 percent Cost of Living Adjustment (COLA) for most retired pay and Survivor Benefit Plan annuities, and the Special Survivor Indemnity Allowance (SSIA), effective Dec. 1, 2021, With the COLA applied, the maximum amount of SSIA payable will be $346. See our Council Office page for more information. What We Secured. Current retirees will receive a one-time lump sum. The deal, between the state and the Washington Federation of State Employees, also includes 4% pay raises in 2023, 3% pay raises in 2024 and a $1,000 retention bonus for current employees who . L&I Claim in Washington State: How does it work? Interestingly, recent forecasts estimate that the Washington State government faces $8.8B revenue shortfall through 2023. LEOFF 1 Coalition is non-partison and a 501 c 5 Non-Profit Organization, The LEOFF 1 Coalition Is The Only Statewide Organization That Represents Retired LEOFF 1 Members No portion of this site may be reproduced without written permission from the LEOFF I Coalition president. Enter the new routing number. Their needs are ignored beyond an occasional token gesture. Otherwise, you should mail us your documents. Your local unions ability to secure the full amount (or more!) COLAs are based on the average annual wage of all workers in Washington State. House Bill 1047 (Public) Filed Wednesday, May 25, 2022. Washington is the only state where workers pay a significant portion of the premium. A Cost-of-Living Adjustment (COLA) is an increase to the pension benefit of a retiree or beneficiary (annuitant) that is meant to assist with rising inflation costs. Higher Education Supplemental Retirement Plan, Public Employees Retirement System (PERS), School Employees Retirement System (SERS), Public Safety Employees Retirement System (PSERS), Law Enforcement Officers and Fire Fighters Retirement System (LEOFF), Washington State Patrol Retirement System (WSPRS). Click here for the MEMBERSHIP & CONTRIBUTION form - PDF VERSION. (PDF) See red text for changes. Retirees apparently dont matter much to the legislative leadership. L&I Surveillance: I Think Im Being Watched What Should I do? Most plan COLA percentages are based on the Consumer Price Index (CPI) for the greater Seattle area. From the Department of Retirement Systems: Cost-of-Living Adjustments (COLAs) for DRS-administered retirement systems and plans that receive a COLA have been established for 2022. SSB 5791 PASSED in the House and Senate and now moves to the Governors Desk. PSERS Historical Data
State Teachers' Retirement Plan Retirees will see an increase of 4.698 percent in their gross pension payment. | Legislative Affairs Black leaders thrive | Mourning their mission | This is the deep state? According to the IRS, a closed pension is fully funded at 125 percent, and there is still an extra 18 percent available to give each LEOFF 1 member and beneficiaries, the $300.00 per month. Washington, DC 20415
Your individual contributions are invested as you have directed and any growth will come from those investments, not specifically tied to an inflation measure. The service credit is 1 for DRS will correct this error and I can assure you and our members that we will pay each member what they are entitled to, tax free, by January 31, 2023. As a result, legislators both in the Senate and House Voted unanimously to Pass SSB 5791. Please do
L&I Claim Mental Health Treatment Options and Master Level Therapists, L&I Claim Expense Reimbursement and Refund, Filing a new L&I Claim or Workers Compensation Claim in Washington State, Workers Compensation Appeals and the Board of Industrial Insurance Appeals (BIIA), L&I Claim and Work Injury Premiums: Amazons 15% Workers Compensation Rate Increase, Denying Medical Condition in L&I Claim: Work Injury Causation vs Degenerative Changes With Age, Work Safety and L&I Claim for Fire Fighters Dealing with Fire and Smoke, L&I Claim Medical Aid Rules and Fee Schedule, L&I Claim and Workers Compensation Claim in Washington State: Common Mistakes and How to Avoid Them, State-Funded L&I Claim Versus Self-Insured Employer Workers Compensation Claim: Some Differences, Preventing Work Injury and L&I Claim Occurrences Among Young Workers, Fatigue is a Major Cause of Work Injury and Workers Compensation Claims. Q&A: Comparison of Benefits Paid by RRB and SSA This edition of our questions and answers series examines how age requirements, payroll taxes, and benefits payable differ between the railroad retirement and social security systems. One-Time 3% Plan 1 COLA - Senate Bill 5676. Specifically, it is equal to the increase in the CPI-U from March of the previous year . WSPRS Historical Data, Projections Model Assumptions and Methods, Pension Funding Council RFC Presentation on TVW, Pension Funding Council EES Presentation on TVW, Estimating Pension Costs and Measuring Assets. A locked padlock
You will receive your LEOFF 1 surplus check by January 31, 2023. Our mission is to unite retired public employees for their mutual benefit and welfare. Explicitly, the WCAC established targets to ensure that the reserves in the Washington State Accident Fund will be sufficient to withstand the next recession. cities.) LEOFF Plan 1 COLAs will take effect April 1 and will be reflected in end-of-April benefit payments. This is a historically high increase. The amounts negotiated may vary by union. We do this by promoting legislation to improve financial and medical benefits, providing information to and otherwise supporting members, and working closely with other organizations. Click on "Find Your District" under in the left-hand column, enter your address, and links to your legislators will pop up. L&I Claim Reimbursement for Out-of-Pocket Expenses: Will They Pay Me Back? Increases or decreases in retirement allowances to be determined by the department in accordance with consumer price index. 6 Eligible PERS 1 and TRS 1 members receive a Basic Minimum COLA that is a flat dollar amount per month, per year of service. Hours: Monday thru Friday, 7:40 a.m. to 5:00 p.m. ETClosed on federal holidays. Olympia, WA 98501. Most retirees are eligible for COLA starting at the age of 62 under one of these federal retirement programs: Certain retirees, like disability, survivor, and other special provisions, have different COLA entitlement rules. ET. and their families
Because the Accident fund is healthy, the workers compensation system is going to be an easy target for tax cuts. As a retiree, your PEBB benefits include medical (including vision) and dental coverage. Your email address will not be published. Here's why, Human Elements: Reviving Indigenous methods of habitat restoration, Retired teachers in WA are getting a raw deal from state lawmakers, WA may soon expand dual-credit programs for high schoolers, Human Elements: A lone ranger rides for the wolves in rural WA, Free school lunch for all is off the table, but WA may expand access, Refuge After War: Vietnamese and Afghan refugees take similar paths, Sign up for the Crosscut Weekly newsletter, This WA bill could make it easier and safer to change your name, WA's government transparency committee is ready to call it quits, WA lawmakers work to keep public records from the public again, At Seattle Opera, A Thousand Splendid Suns burns brightly, ArtSEA: Comedy, dance and bankruptcy, now showing on Seattle stages, Kirkland vigil marks one year of war in Ukraine, Seattle's Third Avenue Project takes a new approach to old problems, Some farmers question WA state's plan to pay workers overtime, Seattle has a Green Lake-sized hole in its tree canopy, study shows, Planting the seeds for Washington's forest restoration efforts, As crypto mines aim for climate action, critics call greenwashing. Then, its important to know that the money is coming from the Accident Fund. CONUS COLA base monthly payments range from $33 to $59 monthly for members with dependents and $22 to $45 monthly for those without dependents. The COLA for all other plans is a percentage increase in their . It was the first time Plan 1 retirees received a COLA in nearly a decade and while appreciated, it was insufficient. and trying to grab your pension and the one lump-sum benefit you will be receiving in January. ET Friday, 8:30 a.m. to 3:00 p.m. (The Judicial Retirement System bases its COLA on the CPI for U.S. FIND OUT HOW TO JOIN TOGETHER with your co-workers to negotiate for better working conditions and respect on the job. Medical-Only L&I Claim and Workers Compensation Claim in Washington State, Workers Comp Claim and Return to Work Programs: The Vocational Recovery Project. Copyright 2023 - Retired Public Employees Council of Washington. Last Updated March 2014, Lifetime Retirement Planning Frequently Asked QuestionsClick Here Andy Wilson, LEOFF 1 Coalition Vice President, and Past President of the Washington State Retired Deputy Sheriffs and Police Offices Association made every effort to change the amount from $100.00 per service credit month to at least $300.00, since the LEOFF 1 surplus is 148 percent funded; sorry to say, we did not have the support from other LEOFF 1 organizations. Maryland State Retirement and Pension System. We display tables showing summarized valuation statistics by valuation period for the following systems below: All Systems Historical Data
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2021-2023 Washington Federation of State Employees, General Government (WFSE GG) Tentative Agreement. | Retirement Benefits Social Security COLA Methodology, Social Security Administration. U.S. Office of Personnel Management
By taking action together we won more money for our paychecks to keep up with inflation. If the Governor vetoes part or all of it, the Legislature may vote to override the veto (this rarely happens). Plan 2 members have an automatic annual COLA on their pensions built in (Consumer Price Index to 3% per year each year). Senate Bill 5350 provides PERS 1 and TRS 1 retirees with a 3% COLA in July 2023 not to exceed $110 per month.