Are you considering retiring in Indiana? In this comprehensive guide, we will explore why Indiana is a great retirement destination. From retirement communities and the best places to retire, to retiree benefits and retirement planning, we’ve got you covered. Discover the perks of retiring in Indiana and start planning your peaceful and affordable retirement in the Hoosier State.
Key Takeaways:
- Indiana offers a serene and affordable retirement option.
- Retiring in Indiana provides access to retirement communities and a variety of amenities.
- The state offers retiree benefits, including tax deductions and credits.
- Top-rated healthcare and wellness resources are available in Indiana.
- Consider factors such as climate, transportation options, and preferred neighborhoods when planning your retirement in Indiana.
Is Indiana a good place to retire?
Indiana offers retirees a serene and affordable lifestyle, making it a great place to retire. With its diverse range of benefits, Indiana provides an ideal environment for retirees looking to enjoy their golden years in peace.
One of the key advantages of retiring in Indiana is its access to nature, sports, and cultural attractions. The state’s beautiful landscapes, such as its numerous state parks and forests, offer retirees ample opportunities for outdoor activities and a chance to reconnect with nature.
Moreover, Indiana boasts a relatively low cost of living compared to many other states, making it an attractive option for retirees on a fixed income. This affordability allows retirees to stretch their retirement savings further and enjoy a comfortable and fulfilling lifestyle in Indiana.
Additionally, Indiana has a large retirement population, with over 15% of the state’s population being over the age of 65. This enriches the retirement community and provides retirees with the opportunity to connect with like-minded individuals and engage in social activities tailored to their age group.
Testimonial
“Retiring in Indiana has been a dream come true for me. I have always wanted to live in a peaceful and affordable place, and Indiana offers just that. The natural beauty of the state, coupled with its welcoming communities, has made my retirement years truly enjoyable.
Whether you’re seeking a serene lifestyle surrounded by nature, a more affordable way of living, or the chance to connect with a vibrant retirement community, Indiana ticks all the boxes. Consider retiring in Indiana and experience the benefits of this wonderful state.
Pros and cons of retiring in Indiana
Retiring in Indiana presents both advantages and disadvantages that retirees should consider. Let’s take a closer look at some of the pros and cons of retiring in this picturesque state.
Pros of Retiring in Indiana
- Affordable Living: Indiana offers a lower cost of living compared to the national average, making it a budget-friendly option for retirees.
- Outdoor Activities: With its numerous state parks, forests, and lakes, Indiana provides ample opportunities for outdoor enthusiasts to explore nature, hike, fish, and enjoy various recreational activities.
- Sports Culture: The state’s passion for basketball and auto racing translates into a vibrant sports culture, with numerous sporting events and attractions that can captivate retirees.
- Vibrant Cultural Scene: Indiana boasts a rich history and cultural heritage, reflected in its many museums, galleries, and performing arts venues, offering retirees a chance to indulge in diverse cultural experiences.
Cons of Retiring in Indiana
- Varied Climate: Indiana experiences hot summers and cold winters, which might not be ideal for retirees who prefer more temperate climates.
- Landlocked State: Indiana is landlocked and lacks immediate access to coastlines or beaches, which could be a drawback for retirees seeking coastal living or waterfront activities.
- Limited Public Transportation: The state has limited public transportation options, often reliant on personal vehicles, which might pose challenges for retirees who prefer not to drive or rely on their own transportation.
In summary, retiring in Indiana offers affordable living, outdoor activities, a vibrant cultural scene, and a sports culture. However, it’s important to consider the weather, the lack of coastal access, and limited public transportation when deciding whether Indiana is the right retirement destination for you.
| Pros | Cons |
|---|---|
| Affordable living | Varied climate |
| Outdoor activities | Landlocked state |
| Sports culture | Limited public transportation |
| Vibrant cultural scene |
Best places to retire in Indiana
Indiana offers several cities that are highly regarded as great places to retire. Whether you prefer a bustling urban center or a picturesque small town, Indiana has options to suit every retiree’s lifestyle. Here are some of the best places to retire in Indiana:
| City | Description |
|---|---|
| Indianapolis | The capital city of Indiana, Indianapolis, offers a low cost of living, affordable housing, and numerous cultural and entertainment options. With a vibrant downtown area, residents can enjoy shopping, dining, and attending various events and festivals throughout the year. |
| Bloomington | Known as a thriving college town, Bloomington offers a unique blend of natural beauty and cultural attractions. Retirees can explore beautiful parks and hiking trails, visit art galleries, and enjoy live performances in this vibrant arts and culture scene. |
| Carmel | Located just north of Indianapolis, Carmel is a popular destination for retirees due to its safe neighborhoods, excellent schools, and low crime rate. With its charming downtown area, retirees can enjoy shopping, dining, and strolling through art galleries. |
| Valparaiso | Nestled in northern Indiana, Valparaiso offers a small-town atmosphere and easy access to outdoor activities. Retirees can explore the charming downtown area, attend local events and festivals, and enjoy the scenic beauty of nearby parks and lakes. |
| Fort Wayne | Located in northeastern Indiana, Fort Wayne boasts a low cost of living and affordable housing options. Retirees can take advantage of the city’s cultural attractions, including museums, art galleries, and theaters. |
| West Lafayette | Home to Purdue University, West Lafayette offers a low cost of living and a strong sense of community. Retirees can enjoy the university’s cultural and educational resources, as well as the city’s parks, trails, and recreational facilities. |
These cities provide a range of amenities, including healthcare facilities and retirement communities, making them ideal choices for retirees. Whether you’re seeking an active urban lifestyle or a peaceful suburban setting, Indiana has something to offer for everyone looking to retire in this beautiful state.
Retiree benefits in Indiana
Indiana offers several benefits for retirees. One of the notable programs is the Public Employees’ Retirement Fund (PERF) Hybrid Plan, designed to provide retirement benefits for public employees, including state and local government employees. Retirees eligible for this program can receive a regular retirement pension benefit based on factors such as years of service and final average earnings.
Moreover, Indiana provides tax deductions specifically for seniors, including the over 65 or surviving spouse deduction and the over 65 circuit breaker credit. These tax benefits can significantly reduce property tax bills and limit annual tax increases, making retirement more financially manageable.
Understanding the eligibility requirements and the application process for these retiree benefits is crucial. Integrating these benefits into your retirement planning can help you make informed decisions and ensure a more secure financial future.
| Retiree benefits | Description |
|---|---|
| Public Employees’ Retirement Fund (PERF) Hybrid Plan | Provides retirement benefits for public employees, including state and local government employees. Offers a regular retirement pension benefit based on years of service and final average earnings. |
| Over 65 or surviving spouse deduction | Tax deduction for seniors, allowing a reduction in property tax bills. |
| Over 65 circuit breaker credit | Limits annual tax increases to no more than 2% for seniors. |
Retiree benefits in Indiana can contribute significantly to your financial well-being during retirement. It is advisable to explore these benefits, evaluate your eligibility, and incorporate them into your retirement plan.
Healthcare and wellness in Indiana
When it comes to healthcare, Indiana offers top-rated services for its residents. We have several premier healthcare systems in the state, including Indiana University Health, Franciscan Health, Eskenazi Health, and the Community Health Network. These healthcare systems provide comprehensive medical services and have convenient locations throughout Indiana.
In addition to quality healthcare, Indiana also has a strong focus on wellness. We understand the importance of maintaining a healthy lifestyle, especially during retirement. That’s why we have a range of fitness centers and nutritionists available to help retirees stay active and improve their overall well-being.
Seniors can take advantage of age-friendly fitness centers that cater to their specific needs and preferences. Whether it’s yoga, swimming, or strength training, you’ll find a variety of fitness options to suit your interests. Our fitness centers offer state-of-the-art equipment, knowledgeable staff, and a friendly and inclusive atmosphere.
Nutrition plays a vital role in maintaining good health, and Indiana has a network of nutritionists specialized in dietetics who can provide guidance and support. These professionals can help retirees create personalized meal plans, understand nutritional requirements, and make healthier food choices. Whether you have specific dietary needs or simply want to improve your eating habits, our nutritionists can help you achieve your wellness goals.
“Indiana offers top-rated healthcare services and a strong focus on wellness, providing retirees with the resources they need to maintain their health and well-being.”
Healthcare and wellness are essential considerations when choosing a retirement destination.
Access to quality healthcare and wellness resources can significantly impact your retirement experience. Indiana’s commitment to providing top-rated healthcare services and its emphasis on wellness make it an ideal choice for retirees. You can rest assured knowing that your healthcare needs will be met and that you’ll have the support to lead a healthy and active lifestyle.
Premier Healthcare Systems in Indiana
| Healthcare System | Location |
|---|---|
| Indiana University Health | Multiple locations throughout the state |
| Franciscan Health | Multiple locations throughout the state |
| Eskenazi Health | Indianapolis |
| Community Health Network | Indianapolis |
Tax benefits for retirees in Indiana
Retiring in Indiana not only offers a serene and affordable lifestyle but also comes with tax benefits that can significantly impact your financial planning. Indiana provides several tax deductions and credits specifically tailored to benefit retirees, ensuring a comfortable retirement in the Hoosier State.
If you are over 65 or a surviving spouse, you may be eligible for deductions on your property taxes. The amount of the deduction is determined by the assessed value of your home, helping to reduce your overall property tax bills and provide substantial savings. This tax benefit is a great advantage for retirees looking to maximize their retirement income.
Additionally, Indiana offers a circuit breaker credit for seniors, which limits annual tax increases to no more than 2%. This credit provides further protection against unexpected tax burdens, allowing you to better plan your finances and maintain stability during your retirement years.
By taking advantage of these tax benefits, you can optimize your retirement planning and allocate your resources more efficiently. Whether you envision spending your retirement exploring the rich cultural scene or engaging in outdoor activities, these tax incentives can help you maintain a comfortable and fulfilling retirement lifestyle.
Plan your retirement in Indiana today and reap the rewards of a retiree-friendly tax environment. Consider all the potential tax benefits available to you and consult with a financial advisor to ensure you make the most of your retirement income.
Tax benefits for retirees in Indiana
| Tax Benefit | Eligibility | Description |
|---|---|---|
| Property Tax Deductions | Retirees over 65 or surviving spouses | Deductions on property taxes based on assessed home value |
| Circuit Breaker Credit | Seniors | Limits annual tax increases to no more than 2% |
Climate and weather in Indiana
Indiana experiences a varied climate, with hot summers and cold winters. Before retiring in Indiana, it’s important to consider the seasonal changes in weather and plan accordingly. The average temperatures range from 18°F to 34°F in January, the coldest month, and from 65°F to 85°F in July, the warmest month. Snowfall is common, with an average of 22 inches per year, and the state receives around 42 inches of rainfall annually.
Retirees should take into account their preferences for different weather conditions when considering Indiana as a retirement destination. Whether you enjoy the crispness of winter or prefer warmer temperatures, understanding Indiana’s climate will help you plan for your retirement lifestyle.
“Indiana’s climate offers a change of seasons, allowing residents to experience a variety of weather throughout the year.”
Hot Summers and Cold Winters
Indiana’s summers are characterized by hot and humid weather, with temperatures reaching up to 85°F in July. This is the perfect time to enjoy outdoor activities, visit state parks, or take advantage of Indiana’s many lakes and waterways.
Winter in Indiana brings cold temperatures, with January being the coldest month. With temperatures ranging between 18°F to 34°F, be prepared for snowfall and colder conditions. This can be an opportunity to engage in winter sports or simply enjoy cozy indoor activities.
Rainfall and Snowfall
Indiana experiences an average of 42 inches of rainfall per year, spread throughout the seasons. The state’s precipitation contributes to its lush green landscapes and supports a variety of flora and fauna.
Snowfall is also common in Indiana, with an average of 22 inches per year. Winter enthusiasts can look forward to enjoying activities such as skiing, snowboarding, and building snowmen.
Plan Your Retirement Accordingly
Considering Indiana’s climate and weather patterns is essential for retirees planning to relocate to the state. Whether you’re seeking a retirement destination with distinct seasons or prefer more moderate weather, Indiana offers a climate that caters to a variety of preferences.
Keep in mind that the weather can impact your daily activities and influence the kind of retirement lifestyle you envision. By understanding Indiana’s climate, you can make informed decisions and prepare for an enjoyable retirement experience.
Transportation options in Indiana
Indiana offers limited public transportation options, which may pose a challenge for retirees who do not drive or prefer not to rely on their own vehicles. The state’s public transportation network primarily consists of bus systems, with limited coverage in certain areas. However, some cities in Indiana, like Indianapolis, have more comprehensive public transportation systems that include buses and light rail.
Retirees should carefully consider transportation options when planning their retirement in Indiana, as access to reliable transportation is essential for maintaining independence and accessing essential services. It is important to choose a retirement destination with convenient transportation options that align with individual needs and preferences.
Public Transportation in Indianapolis
Indianapolis, the capital city of Indiana, offers a more extensive public transportation system compared to other areas in the state. The public transportation options in Indianapolis include buses and light rail, making it easier for retirees to navigate the city without relying on a personal vehicle.
Indianapolis’ public transportation system provides access to key locations such as shopping centers, medical facilities, entertainment venues, and cultural attractions. Retirees living in Indianapolis can take advantage of the city’s transportation network to stay actively engaged in the community and enjoy all that the city has to offer.
Alternative Transportation Options
For retirees who prefer not to use public transportation or require more flexibility in their transportation arrangements, there are alternative options available. Ride-hailing services like Uber and Lyft operate throughout Indiana, providing on-demand transportation at the convenience of the user.
Additionally, some retirement communities and senior living facilities in Indiana offer shuttle services for their residents, providing convenient transportation for daily errands, medical appointments, and social activities.
Rental Car Services
Another option for retirees without personal vehicles is to utilize rental car services. Many major car rental companies operate in Indiana, offering affordable rates and flexible rental periods. Renting a car allows retirees to access different areas of the state, explore nearby attractions, and maintain their independence while enjoying their retirement in Indiana.
| Transportation Option | Availability | Benefits |
|---|---|---|
| Public Transportation in Indianapolis | Available in Indianapolis | – Convenient for navigating the city – Access to key locations |
| Ride-hailing services (Uber, Lyft) | Available throughout Indiana | – On-demand transportation – Flexibility and convenience |
| Shuttle services in retirement communities | Available in select communities | – Convenient transportation for residents – Access to daily errands and social activities |
| Rental car services | Available in various locations | – Flexibility to explore different areas – Maintain independence |
When considering transportation options in Indiana, it is crucial for retirees to assess their individual needs, preferences, and budget. Whether it’s utilizing public transportation, ride-hailing services, or renting a car, making an informed decision about transportation will help retirees maintain their freedom and accessibility during their retirement years in Indiana.
Outdoor activities in Indiana
When it comes to outdoor activities, Indiana offers a plethora of options for retirees looking to stay active and enjoy nature. The state’s diverse landscapes, including state parks, forests, and lakes, provide endless opportunities for outdoor adventures.
Whether you enjoy hiking, fishing, boating, or simply taking in the beautiful scenery, Indiana has something for everyone. The state’s numerous state parks, such as Brown County State Park and Turkey Run State Park, offer miles of trails to explore and stunning views to admire.
Indiana is also a haven for golfers, with over 400 golf courses spread across the state. From championship courses to more casual options, golfers of all skill levels can find a course that suits their preferences.
Here is an overview of the outdoor activities you can enjoy in Indiana:
- Hiking and nature walks
- Fishing
- Boating and kayaking
- Camping
- Golfing
- Birdwatching
- Picnicking
Exploring Indiana’s great outdoors is not only a great way to stay active but also an opportunity to connect with nature and find tranquility in retirement.
| Activity | Location | Description |
|---|---|---|
| Hiking | Brown County State Park | Trails ranging from easy strolls to challenging hikes, with stunning views of the forested hills. |
| Fishing | Monroe Lake | A popular spot for fishing, featuring a variety of fish species including bass, catfish, and crappie. |
| Boating and kayaking | Patoka Lake | A scenic lake perfect for boating, kayaking, and enjoying water sports. |
| Camping | Shades State Park | A peaceful campground nestled in a wooded ravine, offering a chance to immerse yourself in nature. |
| Golfing | Prairie View Golf Club | A public golf course with challenging fairways and beautiful views of the surrounding countryside. |
| Birdwatching | Eagle Creek Park | Home to a variety of bird species, including bald eagles, making it a paradise for birdwatchers. |
| Picnicking | Holliday Park | A serene park with open meadows and shady picnic spots, perfect for a leisurely outdoor meal. |
Whether you’re seeking adventure or simply want to enjoy the tranquility of nature, Indiana has it all. Embrace the outdoors and make the most of your retirement in this beautiful state.
Cultural scene in Indiana
Indiana is known for its rich history and vibrant cultural scene, making it an exciting place for retirees to explore and immerse themselves in art, history, and performing arts. The state boasts numerous museums, galleries, and performing arts venues that showcase its cultural heritage and provide endless opportunities for learning, entertainment, and socialization.
One of the highlights of Indiana’s cultural scene is the Indy Jazz Fest, an annual music festival that attracts acclaimed jazz artists from around the world. This event offers retirees the chance to enjoy live performances, soak in the soulful melodies, and experience the joy of jazz music.
The Indiana State Fair is another noteworthy cultural event that takes place annually. As one of the largest state fairs in the United States, it offers a wide range of attractions, including live music, agricultural exhibitions, food vendors, and thrilling rides. Retirees can indulge in the nostalgic atmosphere, relishing the sights, sounds, and flavors of Indiana’s agricultural heritage.
For those who appreciate history and quaint charm, the Covered Bridge Festival is not to be missed. Held in picturesque Parke County, this festival celebrates Indiana’s rich history of covered bridges with various activities, including arts and crafts, live entertainment, and guided tours of the historic bridges. It’s a wonderful opportunity for retirees to explore the state’s rural beauty and connect with its past.
Festivals and Events in Indiana
- Indy Jazz Fest
- Indiana State Fair
- Covered Bridge Festival
Indiana’s cultural scene offers a diverse range of experiences, from art exhibitions to theatrical performances. Retirees can visit museums such as the Indianapolis Museum of Art, the Children’s Museum of Indianapolis, and the Eiteljorg Museum of American Indians and Western Art.
Indiana’s cultural scene offers a diverse range of experiences, from art exhibitions to theatrical performances.
Performing arts enthusiasts can attend shows at renowned venues like the Indiana Repertory Theatre and the Old National Centre. These venues host a variety of performances, including plays, musicals, ballets, and concerts, providing retirees with an array of options to suit their tastes.
| Museums | Performing Arts Venues |
|---|---|
| Indianapolis Museum of Art | Indiana Repertory Theatre |
| Children’s Museum of Indianapolis | Old National Centre |
| Eiteljorg Museum of American Indians and Western Art |
Indiana’s cultural scene provides retirees with endless opportunities to appreciate and immerse themselves in art, history, and the performing arts. Whether attending festivals, exploring museums, or enjoying live performances, retirees in Indiana can truly embrace and celebrate the state’s rich cultural heritage.
Retirement planning in Indiana
Retirement planning is a crucial step in preparing for a fulfilling retirement in Indiana. As retirees, it is essential to consider various factors to ensure financial security and peace of mind in this new chapter of life.
Healthcare costs
One of the key considerations is healthcare costs. As we age, medical expenses tend to increase. It is important to understand the healthcare options available in Indiana and estimate the potential costs. By factoring in insurance premiums, prescription medications, and potential long-term care needs, you can plan and budget accordingly.
Property taxes
Another essential aspect of retirement planning in Indiana is understanding property taxes. Property tax rates can vary based on location and property value. By considering these costs, you can accurately assess your housing budget and determine the affordability of different areas in Indiana.
Insurance
Retirees should also evaluate their insurance needs and options. This includes health insurance, life insurance, and long-term care insurance. Having adequate coverage can provide financial protection and minimize unexpected expenses.
Living expenses
Planning for daily living expenses is crucial in retirement. Take into account your desired lifestyle, including housing, transportation, utilities, food, and entertainment. By creating a budget that aligns with your retirement goals, you can maintain financial stability and enjoy a comfortable retirement in Indiana.
Evaluating retirement savings and investments
Retirees should seek expert financial advice to assess their retirement savings and investments. A financial advisor can help you understand your risk tolerance, evaluate your retirement goals, and determine the most appropriate investment strategies for your circumstances. They can also provide guidance on retirement accounts and investment vehicles that maximize your savings potential.
Indiana’s Public Employees’ Retirement Fund (PERF) Hybrid Plan
Indiana offers resources to support retirement planning. One such resource is the Public Employees’ Retirement Fund (PERF) Hybrid Plan. This plan provides retirement benefits for public employees, including state and local government employees. Understanding the eligibility requirements and benefits of PERF can help you make informed decisions about your retirement income.
Planning for your financial future
Retirement planning in Indiana requires careful consideration and preparation. By evaluating factors such as healthcare costs, property taxes, insurance, and living expenses, you can create a comprehensive retirement budget. Seek expert financial advice to assess your savings and investments, and take advantage of resources like the PERF Hybrid Plan. With proper planning, you can embark on a secure and fulfilling retirement in the beautiful state of Indiana.
Neighborhoods in Indiana
Indiana offers a variety of neighborhoods that cater to different preferences and lifestyles. Whether you prefer the vibrant energy of an urban area or the charm of a small town, there are neighborhoods in Indiana that can meet your retirement needs. Let’s explore some of the top cities and their neighborhoods:
Indianapolis
Indianapolis, the capital city of Indiana, has a mix of urban and suburban neighborhoods to choose from. Here are a few notable neighborhoods:
| Neighborhood | Description |
|---|---|
| Downtown | A bustling neighborhood with high-rise condos, restaurants, and cultural attractions. |
| Broad Ripple | A trendy neighborhood known for its artsy vibe, local shops, and vibrant nightlife. |
| Meridian-Kessler | An upscale neighborhood with beautiful historic homes, tree-lined streets, and close proximity to downtown. |
Bloomington
Bloomington, a college town home to Indiana University, offers a unique blend of arts, culture, and natural beauty. Some recommended neighborhoods include:
- Elm Heights – A historic neighborhood with elegant homes, tree-lined streets, and close proximity to the university.
- Sherwood Oaks – A well-established neighborhood with a strong sense of community and amenities like parks and walking trails.
Carmel
Carmel, located just north of Indianapolis, offers a suburban lifestyle with a touch of luxury. Here are a couple of neighborhoods worth considering:
Village of West Clay – A picturesque neighborhood with tree-lined streets, charming townhomes, and a vibrant community.
Legacy – An upscale neighborhood with custom-built homes, golf courses, and serene lakes.
Valparaiso
Valparaiso, a small town in northern Indiana, offers a quiet and friendly atmosphere. Consider these neighborhoods:
- Old Town – A historic neighborhood with quaint homes, local shops, and a strong sense of history.
- Beauty Creek – A peaceful neighborhood with beautiful nature trails and easy access to outdoor activities.
Fort Wayne
Fort Wayne, located in northeastern Indiana, provides a mix of affordability and amenities. Check out these neighborhoods:
West Central – A historic neighborhood with charming homes, tree-lined streets, and a vibrant arts scene.
North Anthony Area – An established neighborhood with a variety of architectural styles and a strong community spirit.
Indianapolis, with its diverse neighborhoods and range of amenities, is a popular choice for retirees. The city offers a low cost of living, excellent healthcare facilities, and a variety of cultural and recreational opportunities. Whether you prefer the excitement of downtown living or the tranquility of suburban neighborhoods, Indianapolis has something for everyone.
Explore the neighborhoods, consider factors such as safety, accessibility, and community amenities, and find the perfect retirement destination within Indiana.
Conclusion
Retiring in Indiana offers a serene and affordable option for those seeking a peaceful lifestyle. With its diverse landscapes, affordable cost of living, and vibrant cultural scene, Indiana is an attractive choice for retirees. Whether you prefer peaceful small towns like Valparaiso or the urban amenities of Indianapolis, there are retirement communities and neighborhoods to suit every preference.
One of the major advantages of retiring in Indiana is the state’s top-rated healthcare system, with renowned institutions like Indiana University Health and Franciscan Health. Moreover, Indiana offers retiree benefits such as tax deductions and credits that can provide significant savings. It is essential to consider factors like the climate and transportation options when planning your retirement.
To ensure a smooth transition into retirement in Indiana, seek expert financial advice and carefully consider all aspects of retirement planning. In doing so, you can make the most of the perks that Indiana has to offer, from its beautiful outdoor activities to its rich cultural heritage. Start planning your retirement in Indiana today and embark on a serene and affordable lifestyle.
FAQ
Is Indiana a good place to retire?
What are the pros and cons of retiring in Indiana?
What are the best places to retire in Indiana?
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What tax benefits are available for retirees in Indiana?
What is the climate like in Indiana?
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What outdoor activities are available in Indiana?
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Source Links
- https://www.unbiased.com/discover/retirement/retiring-in-indiana
- https://stratford-living.com/blog/retiring-in-indianapolis-indiana/
- https://www.in.gov/inprs/files/PERFHybridPlanMemberHandbook.pdf
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