Frequently Asked Questions
Quick answers to your retirement fund questions
General Information
Basic information about ASGERF and how we serve you
What is ASGERF?
The American Samoa Government Employees' Retirement Fund (ASGERF) is a defined benefit pension plan established in 1971 to provide retirement security for American Samoa Government employees. ASGERF administers retirement, disability, and survivor benefits for eligible government workers and their beneficiaries.
Who is eligible for ASGERF membership?
All full-time American Samoa Government career service employees are eligible for ASGERF membership. This includes employees of the territorial government, public authorities, and certain government component units. Membership typically begins on the first day of employment or the first pay period after employment begins.
How do I contact ASGERF?
YYou can contact ASGERF by phone at (684) 633-4485, email at info@asgerf.as, or visit our office at the Centennial Building, Suite 200 in Pago Pago. Our office hours are Monday-Friday, 8:00 AM - 4:00 PM.
Membership & Enrollment
Everything you need to know about joining and maintaining your membership
Is membership in ASGERF mandatory?
Yes, membership in ASGERF is mandatory for all eligible American Samoa Government career service employees. Participation begins automatically upon employment, and both employee and employer contributions are required by law.
What happens if I leave ASG employment?
If you leave ASG employment, you have several options depending on your years of service. With less than 10 years of service, you may be eligible for a refund of your contributions. With 10 or more years, you're vested and can leave your contributions in the system to receive a deferred retirement benefit. You may also be eligible to purchase service credit for other employment.
Can I purchase service credit?
Yes, you may be able to purchase service credit for prior ASG employment where contributions were not made. However, you have to be actively employed with ASG or one of its component units at the time. Contact ASGERF for information about eligibility requirements and costs for purchasing service credit.
Benefits & Retirement
Understanding your retirement, disability, and survivor benefits
When can I retire with full benefits?
You can retire with full benefits at age 55 with at least 30 years of service, or at age 65 with 5 years of service. You may be eligible for early retirement at age 55 with at least 10 years of service (with reduced benefits).
How is my retirement benefit calculated?
Your retirement benefit is calculated using a formula based on your years of service, age at retirement, and average salary (typically the highest 3-5 years). The basic formula is: Years of Service × Benefit Factor × Average Salary. The benefit factor varies based on your age at retirement and years of service.
What survivor benefits are available?
ASGERF provides survivor benefits to eligible spouses and dependent children of deceased members. The benefit amount depends on the member's years of service and whether they died before or after retirement. Spouses may receive a monthly benefit, and dependent children may receive benefits until age 18 (or 23 if in school full-time).
Are disability benefits available?
Yes, ASGERF provides disability benefits for members who become permanently disabled and unable to perform their job duties. You must have at least 10 years of service to be eligible. The benefit amount is calculated similarly to retirement benefits, and medical documentation is required to support the disability claim.
Contributions & Payments
Learn about contribution rates, payment schedules, and contribution tracking
How much do I contribute to ASGERF?
Currently (as at 1st April 2026), employees contribute 6% of their gross salary and the employers contribute 14% of the employee’s gross salary.
Can I make additional voluntary contributions?
ASGERF is a defined benefit plan with required contributions only.
What happens if contributions are missed?
If contributions are missed due to payroll errors or other issues, they can typically be made up through payroll adjustments or direct payment. It's important to review your pay stubs regularly and contact ASGERF immediately if you notice missing contributions. Interest may be charged on late contributions.
How can I check my contribution history?
You can visit the ASGERF office to check your contribution history. Contact our Member Services department at (684) 633-4485 or members@asgerf if you have any questions.
Still Have Questions?
If you can't find the answer you're looking for, our member services team is here to help you with personalized assistance.
Call Us
(684) 633-4485
Monday - Friday, 8:00 AM - 4:00 PM
Email Us
info@asgerf.as
Response within 2 business days
Plan Your Retirement with Confidence
Understanding your benefits is the first step toward a secure retirement. Explore our resources or contact us for personalized guidance.