Oklahoma Teaching Salaries and Benefits


Teachers understand that adequate preparation is key to a better future for students. By spending hours planning out lessons and student activities, teachers enter the classroom ready to impart skills on a new generation.

This focus on planning extends outside of the classroom and into teachers’ personal lives as well. As your career progresses, you’ll begin to think about how to spend your life after teaching – and how you can afford it.

For teachers in Oklahoma, these considerations start early in their careers. Oklahoma offers teachers a comprehensive package of benefits that allows them to consider their health and retirement options. With help from these benefits, teachers are more prepared for a variety of future scenarios.

Learn more about becoming a teacher. Contact schools offering teacher education/certification programs in Oklahoma.

Retiring in Oklahoma

Once you are hired as a public teacher in Oklahoma, you are enrolled in the Oklahoma Teachers Retirement System (OTRS). This system administers lifetime benefits to teachers that become available upon retirement.

The OTRS manages a defined benefit retirement plan that offers retirees a percentage of their salaries as a pension payment. The more years of service you accumulate, the greater the percentage of salary you receive.

As part of the defined benefit plan, you are required to contribute 7% of your regular annual salary, while your employer contributes an additional 7.05%. These contributions help continue to fund the OTRS until you qualify for retirement. You are eligible for full retirement benefits when you meet any of the following criteria:

  • Age 65 with any number of service credit years
  • Age 60 with at least 30 years of service credit

After you reach retirement age, you begin to receive monthly pension payments. The benefits you receive are calculated using a defined retirement formula:

Final Average Salary
multiplied by
Service Years
multiplied by
2% (fixed rate)

For example, if you retire after 35 years of service with a final average salary of $63,000, you will receive $44,100 annually or $3,675 monthly.

In addition to retirement benefits, the OTRS program offers death and health insurance benefits to retired teachers. To learn more about retirement benefit options available for Oklahoma teachers, contact the Oklahoma Teachers Retirement System.

Access to Affordable Health Insurance

As a teacher in Oklahoma, you gain access to health insurance benefits that include medical, dental, and vision plans. Once you are enrolled, you will be able to choose from a variety of different plans that are offered to you and your family members.

Medical Plans
There are 15 different medical plans to choose from, and vary between PPO, HMO, and health savings plans. The amount of your premium and deductible will be determined by the plan. However, all plans cover a variety of medical services, including:

  • Well Care Visits
  • Prescription Drugs
  • Laboratory Tests
  • Hospital Care
  • Emergency Room

Dental Plans
Depending on which of the eight dental plans you choose from in Oklahoma, you will be covered for both basic treatment services and more advanced orthodontic procedures.

Vision Plans
The five vision benefit plans offered vary on their cost and coverage. Most plans will cover basic eye exams and a portion of your eyeglass and contact lenses expenses.

Additionally, the state of Oklahoma offers other wellness benefits and life insurance benefits to its public employees. If you’re interested in learning the details of each health plan offered to Oklahoma teachers, contact your local school district or the Oklahoma Employees Group Insurance Division.

Info to Explore

Terminology and Specifics

Recent News

Combating Substance Abuse in Schools

Posted on 17 January 2019 | 11:15 am

In recent years there have been significant increases in alcohol, drug and substance abuse across the country. This abuse has significantly impacted K-12 school-age students as well as those ...

Federal Employees: How to manage your student loans during the government shutdown

Posted on 11 January 2019 | 1:13 pm

Are you a federal employee impacted by the partial government shutdown? Here are some options to manage your student loans while you are furloughed or not receiving pay. 1. Postpone Your Payments ...

Time to Play and Learn: The 2019 ED Games Expo at the Kennedy Center

Posted on 3 January 2019 | 12:43 pm

Game-based learning is gaining popularity in education as more young people and adults learn from games both in and out of the classroom. Well-designed games motivate students to actively engage ...