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Mid-Career Statewide Half-Day Seminar at Gwinnett County Public Schools Instructional Support Center
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Tags: Mid-Career
Published: May 16, 2022
Published: May 16, 2022
Post-Retirement Half-Day Seminar @ Chattahoochee Technical College
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Tags: Retiree
Published: May 2, 2023
Published: May 2, 2023
Post-Retirement Seminar @ Clayton State University
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Tags: Retiree
Published: March 25, 2024
Published: March 25, 2024
Pre-Retirement Workshop @ the Atlanta TRS Office
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Tags: Pre-Retirement
Published: February 6, 2023
Published: February 6, 2023
Mid-Career Half-Day Seminar @ Middle Georgia State University
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Tags: Mid-Career
Published: August 3, 2023
Published: August 3, 2023
Pre-Retirement Workshop @ the Atlanta TRS Office
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Tags: Pre-Retirement
Published: January 25, 2024
Published: January 25, 2024
Virtual Individual Pre-Retirement Counseling Sessions
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Tags: Pre-Retirement
Published: August 26, 2022
Published: August 26, 2022
Virtual Pre-Retirement Workshop on YouTube
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Tags: Pre-Retirement
Published: February 20, 2023
Published: February 20, 2023
Mid-Career Half-Day Seminar @ UGA Center for Continuing Education and Hotel
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Tags: Mid-Career
Published: June 23, 2023
Published: June 23, 2023
Pre-Retirement Workshop @ TRS Atlanta Office
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Tags: Pre-Retirement
Published: September 8, 2022
Published: September 8, 2022
Dr. Jason L. Branch
Dr. Branch is the superintendent of Oconee County Schools. He has more than 20 years of experience in education including roles as a teacher, coach, athletic director and principal.
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Published: September 18, 2021
Mr. Kenneth Dyer
Mr. Kenneth Dyer was selected in February 2017 by the Dougherty County Board of Education to become the district’s superintendent after having served as Associate Superintendent and Chief Financial Officer.
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Published: September 18, 2021
Eligibility For Membership
All personnel employed in a permanent status position, not less than half-time, with local boards of education, charter schools, universities and colleges, technical colleges, Board of Regents, county and regional libraries, RESA’s, and certain State of Georgia agencies are required to be members as a condition of employment.
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Tags: New Hire
Published: September 28, 2021
Published: September 28, 2021
Eligibility For Membership
All personnel employed in a permanent status position, not less than half-time, with local boards of education, charter schools, universities and colleges, technical colleges, Board of Regents, county and regional libraries, RESA’s, and certain State of Georgia agencies are required to be members as a condition of employment.
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Covered Positions
All employees who are employed one-half time or more in covered positions of the state’s public school systems, regional and county libraries, RESA units, or any other agency of and within this state by which a teacher is paid are required to be members of the TRS as a condition of employment.
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Published: October 6, 2021
Dr. William G. Sloan, Jr.
Dr. Sloan has been the Executive Director of the Georgia Retired Educators Association since 2005. He retired in 2005 after serving as principal of East Hall High School for more than 17 years.
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Published: September 18, 2021
Event Suggestion
Can’t find your employer in the Calendar of Events?
Help us identify which county/employer we should visit next by contacting us.
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Residency Maps
New residency maps are now available to view populations of TRS retirees and active members by City, County, State Senate District, State House District, or U.S. Congressional District.
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Published: July 30, 2019
Mr. Christopher M. Swanson
Mr. Swanson is an AP Economics teacher at Newnan High School and the chair of the Social Studies department in Meriwether County.
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Published: September 18, 2021
Welcome, Active Members!
TRS administers the fund from which teachers in the state’s public schools, many employees of the University System of Georgia, and certain other designated employees in educational-related work environments receive retirement benefits.
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Legislation
The Teachers Retirement System of Georgia administers its benefits and programs in accordance with applicable state and federal law, and administrative rules. Title 47 of the Official Code Georgia (O. C. G. A.) assigns the authority to establish and amend the provisions of TRS to the State Legislature. State law outlines specific details for state retirement systems, including vesting periods, employee contribution rates, benefit formulas, and retirement eligibility.
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Ms. Deborah K. Simonds
Ms. Simonds is a retired teacher from Georgia. She was a High School Special Education teacher for 27 years at Berkmar High School in Gwinnett.
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Published: September 18, 2021
Maternity Leave
You can purchase credit for periods of absence from employment due to pregnancy prior to March 5, 1976. One and one-half months of credit may be awarded for each pregnancy with a maximum of six months allowable for all pregnancies.
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Elective Membership Employer Requirements
Georgia law was amended in 1976 allowing full-time public school lunchroom, maintenance, and warehouse supervisors and managers the option to elect membership in TRS.
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Published: October 6, 2021
Late Payment Penalty
As provided for in section 47-3-42 of Georgia law, a late payment penalty of 1.5% per month (or fraction of a month) may be assessed on reporting employers whose monthly contribution payments are not received by the 10th day of the reporting month.
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Published: October 7, 2021
Membership Eligibility
All personnel employed in a permanent status position not less than half-time by a TRS reporting employer are TRS members in accordance with Georgia law.
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Published: October 6, 2021
Half-Day Pre-Retirement Seminar @ Central Georgia Technical College
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Tags: Pre-Retirement
Published: October 25, 2022
Published: October 25, 2022
Pre-Retirement Half-Day Seminar @ Dalton State College
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Tags: Pre-Retirement
Published: October 11, 2023
Published: October 11, 2023
Pre-Retirement Seminar @ Kennesaw State University
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Tags: Pre-Retirement
Published: January 22, 2024
Published: January 22, 2024
Pre-Retirement Workshop @ the Atlanta TRS Office
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Tags: Pre-Retirement
Published: January 11, 2023
Published: January 11, 2023
Pre-Retirement Workshop @ the Atlanta TRS Office
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Tags: Pre-Retirement
Published: January 11, 2023
Published: January 11, 2023
Pre-Retirement Workshop @ the Atlanta TRS Office
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Tags: Pre-Retirement
Published: January 25, 2024
Published: January 25, 2024
Pre-Retirement Workshop @ the Atlanta TRS Office
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Tags: Pre-Retirement
Published: February 5, 2024
Published: February 5, 2024
Frequently Asked Questions Regarding COVID-19
Frequently Asked Questions Regarding COVID-19 and Teachers Retirement System for Members, Retirees, and Employers
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Out of State Service
After completing six years as a contributing member of TRS, you may establish one year of credit for service rendered in a public educational institution of another state. With the completion of each additional year of Georgia service thereafter, you may establish an additional year of out-of-state service, to a maximum of ten years.
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Private School Service
Georgia law allows TRS service credit to be established for time spent as a teacher employed in an accredited private school within Georgia.
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Study Leave
You may be eligible to establish retirement credit for periods of full-time graduate study.
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Board of Trustees' Sets:
In its annual meeting held today, May 11, 2022, the Board of Trustees adopted the following maximum IRS Salary Limits that can be used by the Teachers Retirement System of Georgia (TRS) to compute a member’s highest two-year average salary
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Privacy Policy
Welcome to the Teachers Retirement System of Georgia’s (TRS) website (the/this “Site”). Please read this visitor agreement and terms of service; by visiting and using this Site, you accept the following terms:
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Published: August 27, 2021
Hosting a TRS Event
Planning for retirement needs to be a priority for our members—the earlier they start, the better off they will be!
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Investment Committee Meeting
Upcoming board and/or committee meetings information and agenda(s).
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Legislative Update 2019
During the legislative session, TRS posts legislative updates from the Georgia General Assembly that may affect the teachers pension system. Pending legislation is sponsored by members of the Georgia House or Senate, and does not become law until the Governor signs the bill. TRS does not draft or lobby for/against any legislation.
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Published: February 25, 2019
Board Meetings
Regular meetings are held by the TRS Board of Trustees bi-monthly on the fourth Wednesday of January, March, May, July, September and November of each year, or on such other dates as the Board shall decide.
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Published: September 18, 2021
Dr. Marion Fedrick
Marion Ross Fedrick was appointed as the 10th president of Albany State University on August 14, 2018, by the University System of Georgia Board of Regents.
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Published: September 18, 2021
Mr. Steve McCoy
Steve McCoy is the Georgia State Treasurer. The Treasurer serves as cash management officer for Georgia on behalf of the State Depository Board responsible for managing over $30 billion of state and local government investments
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Published: September 18, 2021
Board Meeting Minutes
The TRS Board of Trustees meet six times a year at the TRS office in Atlanta. Meeting minutes for items discussed during open session are provided below:
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Published: September 18, 2021
Partial Lump Sum Option Plan (PLOP)
At retirement, in addition to selecting Plan A (maximum plan) or Plan B (survivorship plan), you may also elect to receive a one time lump-sum distribution (cash payment) in addition to your monthly retirement benefit.
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Published: September 18, 2021
Cost-of-Living Adjustments (COLAs)
In addition to your TRS membership, you may be eligible for a Cost-of-Living Adjustment (COLA) if the cost of living increases as determined by the CPI.
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Tags: Retiree
Published: September 20, 2021
Published: September 20, 2021
Eligibility for Retirement
You are eligible to retire ‘penalty free’ under the following conditions:
Completion of 30 years of creditable service – regardless of your age; or
Completion of 10 years of creditable service, and be age 60 or older.
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Tags: Pre-Retirement
Published: September 27, 2021
Published: September 27, 2021
Pension Limitations
When calculating and paying retirement benefits, Georgia law and Internal Revenue Service (IRS) regulations place certain limitations on salary earned, salary increases received, and retirement payments received.
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Published: September 27, 2021
Annual Member Statement
Since your employer remits your retirement contributions to TRS, we provide you with the opportunity to review your annual member statement online at any time by logging into your account. You should carefully review your statement at least yearly and report any discrepancies to TRS.
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Published: September 27, 2021
Part Time Hourly and Salaried
A TRS retiree who retired on a service retirement may return to work as a teacher on a less than half-time basis. If working less than half-time, the hourly rate or salary cannot exceed 49% of the compensation that would normally be paid to you if you worked on a full-time basis in the position.
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Tags: Retiree
Published: September 28, 2021
Published: September 28, 2021
Contribution Withdrawals
While you are employed in a TRS covered position, as stated in Georgia law, you cannot make withdrawals or borrow funds from your account. If you terminate your TRS covered employment you may apply for a refund of contributions and interest.
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Service Credit Accrual and Purchase
‘Service credit’ is defined as the number of months and/or years of service you have earned toward retirement. You accrue service credit each month you work in a TRS covered position.
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Start Retirement Planning
The short answer is now! If you are already asking yourself questions about preparing for your financial future, it’s time to start planning!
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Publications
Review our annual reports, actuarial valuations and miscellaneous publications.
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Hello, Mid-Career Members!
You have been an educator for several years now, but you still have a number of years remaining before you can fully plan your retirement. However, now is the perfect time to acquaint yourself with specific details regarding your forthcoming TRS pension benefit.
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Tags: Mid-Career
Published: October 5, 2021
Published: October 5, 2021
Service Credit
The chart below indicates the three types of service that can comprise your total years of creditable service upon retirement. Purchasing service can assist you in attaining vested status, allowing you to retire sooner or increasing your final retirement benefit.
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Tags: Mid-Career
Published: October 5, 2021
Published: October 5, 2021
Unused Sick Leave Credit at Retirement
At retirement, TRS members can establish credit for unused sick leave earned with current and previous employers. Based on Georgia law, a member can receive credit for unused sick leave at retirement only if he or she has not received payment of any kind for the leave
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Tags: Retiree
Published: October 5, 2021
Published: October 5, 2021
Determining Your Retirement Benefit
Your retirement benefit is calculated by using the percentage of salary formula. Simply stated, two percent is multiplied by your years of creditable service, including partial years (not to exceed 40 years).
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Calculating Your Benefit
Your retirement benefit is calculated by using the percentage of salary formula. Simply stated, two percent is multiplied by your years of creditable service, including partial years (not to exceed 40 years).
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Insurance
The main purpose of having insurance is to hedge against risk. There is a small percentage of Americans that are fully self-insurable—meaning that they have enough assets to cover any financial liabilities that may occur due to health issues or damage to property and intangible assets.
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Tags: Mid-Career
Published: October 5, 2021
Published: October 5, 2021
Retirement Benefit Options
Although you are probably years away from having to select a retirement plan, it doesn’t hurt to have a general understanding of the TRS plans available.
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Tags: Mid-Career
Published: October 5, 2021
Published: October 5, 2021
Social Security Offset
Your TRS retirement benefit is not reduced, or affected in any way, by a benefit you are eligible to receive from the Social Security Administration (SSA).
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Tags: Pre-Retirement
Published: October 5, 2021
Published: October 5, 2021
Risk & Debt Management
As you move through your career, it is important that you learn how to recognize risks and manage them, along with any debt that you may have, while they can still be managed.
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Military Service
Georgia law contains several provisions for the establishment of up to 5 years of retirement credit for periods of active duty military service in the armed forces of the United States. If you have military service prior to 1955, please contact our office.
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Allowable Sick Leave Usage and Attendance Incentive Programs
Employers should notify TRS of all sick leave policies in use for compliance with Georgia law. System policies must be consistent for all employees.
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Published: October 6, 2021
Contribution Rates
TRS employer and employee contribution rates from fiscal year 1980 to present
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Published: October 6, 2021
Earnable Compensation
Earnable compensation is defined as the full regular compensation payable to a member for full normal working time.
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Published: October 6, 2021
Eligibility for Retirement
You are eligible to retire ‘penalty free’ under the following conditions:
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Published: October 6, 2021
Hiring TRS Retirees
Retired members of the Teachers Retirement System of Georgia (TRS) have the ability to be employed on either a full or part-time basis under certain terms and conditions.
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Published: October 6, 2021
Historical Rates
Employer & Member Contribution Rates & IRS Salary Limits
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Published: October 6, 2021
Membership Exceptions
Any vested member of TRS who becomes an employee of an employer normally covered by the Employees’ Retirement System (ERS) can elect to remain a member of TRS.
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Published: October 7, 2021
Pension Limitations
When calculating and paying retirement benefits, Georgia law and Internal Revenue Service (IRS) regulations place certain limitations on salary earned, salary increases received, and retirement payments received.
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Published: October 7, 2021
Updating Membership Information
If a member needs to correct a social security number, date of birth, name, or beneficiary, he/she will need to follow the instructions below.
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Published: October 7, 2021
Georgia is Counting on You
Census data powers much of what we do. Government, business, and many social activities and programs are affected by Census data.
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Published: September 14, 2020
Salary Limitations
In a TRS board meeting held on June 24, 2020, the TRS Board of Trustees adopted the following maximum salary increases for FY 2021 that can be used by the Teachers Retirement System of Georgia (TRS) to compute a member’s highest two-year average salary
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Published: July 1, 2020
Furloughs and TRS Earnable Compensation
Current economic conditions and reduced revenue collections due to the Covid-19 pandemic have resulted in employers planning for reducing budgets in FY 2021 by several methods such as furloughs, salary reductions and reductions of contracted work days, which will have an impact on the amount of earnable compensation to be reported to TRS
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Published: June 5, 2020
FY 2020 Salary Limit & FY 2021 Contribution Rate Memo
In its annual meeting on May 15, 2019, the TRS Board of Trustees adopted maximum salary increases for fiscal year 2020 along with the employee and employer contribution rates for fiscal year 2021.
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Published: May 29, 2019
Post-Retirement Statewide Seminar at Chattahoochee Technical College
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Tags: Retiree
Published: May 11, 2022
Published: May 11, 2022
Statewide Pre-Retirement Counseling Sessions
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Tags: Pre-Retirement
Published: September 16, 2022
Published: September 16, 2022
Shining the Light on Your TRS Beneficiary
At all stages of your career, it is very important to keep your TRS beneficiaries updated. The beneficiaries you select for your TRS account are different than beneficiaries selected at open enrollment and the information in your TRS account supersedes information in will, divorce decrees, etc.
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Published: September 20, 2022