The Navajo Nation Department of Retirement Services (NNDRS) is established to provide the employees of the Navajo Nation, and participating affiliates, including participating certified chapters, with timely, competitive, and financially secure retirement benefits. Services include the provision of orientations and presentations on the Defined Benefit Plan, Defined Contribution Plan, and Deferred Compensation Plan.

NNDRS is available to assist retirees and beneficiaries with issues related to their retirement benefit. Addtional support is provided to eligible political-at-will employees, political appointees, elected officials of the Navajo Nation Council, and the President and Vice President of the Navajo Nation under the Deferred Compensation Plan. 

The Department of Retirement Services administers the following three retirement plans:

1. Defined Benefit Plan: Navajo Nation Regular Retirement Plan for employees, political appointees, judges, and elected officials of the Navajo Nation Government; a qualified governmental plan in accordance with the Internal Revenue Code.
2. Defined Contribution Plan: Navajo Nation 401(k) Savings Plan for employees, political appointees and elected officials of the Navajo Nation Council; a qualified governmental plan in accordance with the Internal Revenue Code.
3. Deferred Compensation: A nonqualified retirement plan for political appointees and elected officials of the Navajo Nation Council.