The personal limitation is the amount that you can earn from a SURS covered employer before you have to report the earnings. The 40% annual earnings limitation is 40% of your highest annual earnings, per SURS. While you are receiving your SURS retirement annuity, if you are hired by any SURS covered employer and they pay you in excess of this 40% annual limit, you will become an affected annuitant. If you are re-employed by any SURS covered employer once you become an affected annuitant, the employer will be billed for your annual SURS annuity amount.