Retirement Allowance Plan (RAP)

The Retirement Allowance Plan (RAP) provides eligible employees with retirement benefits based on their years of service with the University.


You’re eligible if:

  • You’re not covered by the Basic and Matching Plans, and
  • You work at least 1,000 hours per year
  • You don’t have to sign up for the RAP or contribute anything toward it; the University makes contributions on your behalf to a pension fund.

    Benefit Amount

    Your benefit amount under the RAP is based on a percentage of your salary for each year that you participate in the plan. The formula used to calculate your annual RAP benefit is:

    Final average pay × Years of RAP participation × 1.25% (.0125)

    Your “final average pay” is the average of your highest 5 years of earnings out of your last 10 years of participation in the RAP.

    Benefits, payable to you for life, are available only upon retirement or termination from all Penn/UPHS entities. Reduced benefits are available beginning at age 55; full benefits are available at age 65.


    You’re fully vested in your RAP benefits after completing 1,000 hours of service per year for 5 years. Being vested means you own the money in your account even if you leave the University

    You can supplement the RAP by making tax-deferred contributions through the Supplemental Retirement Annuity (SRA).

    Contact Us

    Retirement Call Center
    (877) 736-6738

    Questions? Contact Human Resources: 215-898-1327.