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Pre-Retirement Events
Retirement is within reach and it’s time to get serious about it! This workshop will provide you with the information and resources you need to help you map out your retirement plan.
Tags: Pre-Retirement
Published: August 31, 2021
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Hello, Pre-Retirement Members!
Congratulations! Retirement is very near for you! We at TRS are ready to guide you through the retirement process, ensuring all your questions are answered, and that you can retire on the date you select!
Tags: Pre-Retirement
Published: October 5, 2021
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Pre-Retirement Counseling Session
Planning for retirement and choosing the right plan for you and your family can be overwhelming. There is a lot at stake and it is important that you understand all of your options, as well as the laws and regulations governing the distribution of your benefit.
Tags: Pre-Retirement
Published: October 6, 2021
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Pre-Retirement Workshop
Retirement is within reach and it’s time to get serious about it! This workshop will provide you with the information and resources you need to help you map out your retirement plan.
Tags: Pre-Retirement
Published: October 6, 2021
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Preparing Your Employees For Retirement
In an effort to assist your employees, TRS has developed a list of things you can do to help ease the retirement process-for both of you.
Published: October 7, 2021
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Pre-Retirement Workshop @ TRS
Tags: Pre-Retirement
Published: December 20, 2021
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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:
Published: August 27, 2021
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Mission and Vision
Our Mission… is to support Georgia educators by providing pension education, safeguarding plan investments, and efficiently administering retirement benefits.
Published: August 30, 2021
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New Hire Events
Many people are unable to retire because they started saving too late in life. But not you! You are lucky because as a member of TRS, you and your employer begin contributing toward your retirement your very first day of work. How many people can say they will be guaranteed a retirement benefit for life?
Published: August 31, 2021
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Mid-Career Events
As you continue your career as an educator, it is important to revisit your retirement plan and stay abreast of new information and legislation that may affect your retirement benefit. This workshop will provide you with an overview about the services TRS offers, along with an update on what’s going on in the retirement arena-both at TRS and in the state legislature.
Published: August 31, 2021
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Retiree Events
We have created a workshop aimed at keeping you informed throughout your retirement, including information about what’s new at TRS, membership statistics, a financial update, as well as any legislation that may affect you.
Tags: Retiree
Published: August 31, 2021
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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!
Tags: Mid-Career, New Hire, Pre-Retirement, Retiree
Published: August 31, 2021
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Frequently Asked Questions Regarding COVID-19
Frequently Asked Questions Regarding COVID-19 and Teachers Retirement System for Members, Retirees, and Employers
Tags: Mid-Career, New Hire, Pre-Retirement, Retiree
Published: May 20, 2020
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Effective Immediately for Workshops and Counseling Sessions
Due to the directive from Governor Kemp, TRS is suspending all in-person workshops and counseling sessions until further notice.
Published: March 13, 2020
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A Message to Our Members About the Coronavirus from Executive Director L.C. Buster Evans
We are grateful to have the opportunity to serve our members by ensuring that you have a benefit that you can count on. There is a lot of uncertainty right now but I want to assure you that we are closely monitoring important developments.
Tags: Mid-Career, New Hire, Pre-Retirement, Retiree
Published: March 10, 2020
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Retirement Plans Offered
TRS offers a defined benefit plan of retirement, also known as a 401(a). As its name implies, your retirement benefit is “defined” by calculation using your years of membership service, the average of your highest 24 consecutive months of salary*, and a 2% multiplier.
Published: September 16, 2021
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Economic Impact
Teacher pensions play a vital role in Georgia's economy. This brochure provides a detailed look at how TRS retirees contribute to the economic success of this great State.
Published: September 17, 2021
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Plan B
Plan B provides members with 6 survivorship options: Option 1 allows you to possibly leave a lump-sum payment, but no monthly benefit, to a beneficiary(ies) after your death; and Options 2-4 allow you to provide a continuing monthly benefit to a beneficiary(ies) after your death.
Published: September 17, 2021
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Changing Your Plan of Retirement
Published: September 18, 2021
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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.
Published: September 18, 2021
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Welcome, Employers!
Our website is your source for the latest information from TRS, Georgia’s largest public employee retirement system. At TRS, we strive to provide information and materials that will enable you to fulfill your pension administration obligations for your employees.
Tags: Mid-Career, New Hire, Pre-Retirement
Published: September 20, 2021
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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.
Tags: Mid-Career, New Hire, Pre-Retirement
Published: September 20, 2021
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Health and Dental Coverage
Published: September 20, 2021
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Working After Retirement
All employment as a teacher, whether directly or indirectly (i.e. independent contractor, private temporary company, etc.) with a TRS employer is subject to salary and service limitations as outlined in Georgia law and TRS policy.
Tags: Retiree
Published: September 20, 2021
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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.
Tags: Pre-Retirement
Published: September 27, 2021
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I’m Ready to Retire
Well in advance of your date of retirement, we recommend you contact TRS for a retirement benefit estimate and to discuss the various plans of retirement. If you are considering retiring within the next two years, we recommend that you speak with one of our retirement counselors.
Tags: Pre-Retirement
Published: September 27, 2021
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Beneficiary Designees
As you retire and select your plan of retirement, you will also be selecting primary and secondary beneficiaries. If you choose a beneficiary who is more than ten years younger than you, who is not your spouse, your benefit may be subject to the required minimum distribution incidental benefit (MDIB) rules of the Internal Revenue Service
Published: September 27, 2021
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Unused Sick Leave Credit at Retirement
At retirement, TRS members can establish credit for unused sick leave earned with current and previous TRS employers. If you haven’t been saving your sick leave up until now, you really should start. The more unused sick leave days you have at retirement, the earlier you can retire and the larger your monthly benefit.
Published: September 27, 2021
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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.
Published: September 27, 2021
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Beneficiary Information – Retirees
As a retiree, there are very limited instances where you can change your beneficiary. Should your beneficiary predecease you, you can make new beneficiary designations according to the provisions of the retirement plan under which you retired.
Tags: Retiree
Published: September 28, 2021
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Death of a Beneficiary
As a retiree, should your beneficiary predecease you, you can make new beneficiary designations according to the provisions of the retirement plan under which you retired.
Tags: Retiree
Published: September 28, 2021
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2021 Retiree Underwithheld Federal Income Tax Frequently Asked Questions (FAQ)
If you are a TRS retiree with federal income tax withholding for January and February that was lower than the appropriate amount for your monthly benefit, please refer to the frequently asked questions below to find answers about the issue and resources available to you.
Tags: Retiree
Published: September 28, 2021
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How TRS Benefits You!
Your retirement plan is a defined benefit plan which requires contributions from you and your employer, is determined by a formula based on your years of service and/or age and your final average salary, and will be paid to you throughout your lifetime.
Tags: Mid-Career, New Hire, Pre-Retirement
Published: September 28, 2021
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How Contributions Work
In order to successfully plan for your retirement, you need to understand how contributions are made to your TRS account. Your pension is funded by 3 sources: member contributions, employer contributions, and investment earnings.
Tags: Mid-Career, New Hire, Pre-Retirement
Published: September 28, 2021
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Maintaining An Active Account
Published: September 28, 2021
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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!
Tags: Mid-Career, New Hire, Pre-Retirement
Published: September 28, 2021
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Publications
Review our annual reports, actuarial valuations and miscellaneous publications.
Tags: Mid-Career, New Hire, Pre-Retirement, Retiree
Published: September 30, 2021
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Active vs Inactive Accounts
Published: October 5, 2021
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Helpful Links
Here is a list of websites that we at TRSGA believe may be of interest or use to you.
Published: October 5, 2021
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Plan B All Other Options
If the retiree chose Plan B-Option 2, 2 Pop-up, 3, 3 Pop-up, or 4, the deceased retiree’s beneficiary(ies) are eligible for a monthly benefit, and TRS will need the following
Tags: Retiree
Published: October 5, 2021
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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
Tags: Retiree
Published: October 5, 2021
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Changing Your Plan of Retirement
After you begin receiving a monthly retirement benefit, if you have chosen Plan A (Maximum Plan) or Plan B Option 1, you cannot change to a survivorship plan, which allows a monthly benefit to be passed to a beneficiary at your death.
Tags: Retiree
Published: October 5, 2021
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At Your Death – Survivor’s Benefits
Should you die prior to retirement, TRS offers survivor benefits to your surviving beneficary(ies).
Published: October 5, 2021
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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.
Tags: Mid-Career
Published: October 5, 2021
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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.
Tags: Mid-Career
Published: October 5, 2021
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Additional Steps Needed to Process Your Application
In addition to the information you provide online, there are additional steps you must complete before your application can be processed by TRS.
Tags: Pre-Retirement
Published: October 5, 2021
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Federal and State Taxes
All or most of your TRS monthly benefit is subject to federal income tax, with exact details furnished to you at the time of your retirement.
Tags: Pre-Retirement
Published: October 5, 2021
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Mid-Career Workshop
As you continue your career as an educator, it is important to revisit your retirement plan and stay abreast of new information and legislation that may affect your retirement benefit.
Tags: Mid-Career
Published: October 6, 2021
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New Member Workshop
Many people are unable to retire because they started saving too late in life. But not you! You are lucky because as a member of TRS, you and your employer begin contributing toward your retirement your very first day of work.
Tags: New Hire
Published: October 6, 2021
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Post-Retirement Workshop
We have created a workshop aimed at keeping you informed throughout your retirement about what’s going on at TRS, a financial update, as well as any legislation that may affect you.
Tags: Retiree
Published: October 6, 2021
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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.
Tags: Mid-Career, New Hire, Pre-Retirement
Published: October 6, 2021
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State of Georgia Employment
If you were previously a member of the Employees’ Retirement System of Georgia (ERS) and withdrew your funds, you may establish this service with TRS. You are eligible to purchase your ERS withdrawn service after you have completed the required number of years of active TRS membership.
Tags: Mid-Career, New Hire, Pre-Retirement
Published: October 6, 2021
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Supplementing Your TRS Benefit
Published: October 6, 2021
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Workshops and Counseling
TRS understands you may have questions and concerns regarding your retirement future. So we offer a variety of workshops and individual counseling sessions specifically designed to address different career stages.
Tags: Mid-Career, New Hire, Pre-Retirement
Published: October 6, 2021
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Eligibility for Retirement
You are eligible to retire ‘penalty free’ under the following conditions:
Published: October 6, 2021
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Member Account Information Requests
At the Teachers Retirement System of Georgia (TRS), we are committed to honoring the privacy of our customers. In an effort to protect our members, we have tightened our policy regarding the release of confidential information.
Published: October 6, 2021
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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.
Published: October 7, 2021
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Unused Sick Leave Credit at Retirement
At retirement, TRS members can establish credit for unused sick leave earned with current and previous TRS employers. If you haven’t been saving your sick leave up until now, you really should start. The more unused sick leave days you have at retirement, the earlier you can retire and the larger your monthly benefit.
Published: October 7, 2021
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Jefferson County Schools
Tags: Pre-Retirement
Published: October 8, 2021
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Dekalb County Schools
Tags: Pre-Retirement
Published: October 8, 2021
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Franklin County Schools
Tags: Pre-Retirement
Published: October 8, 2021
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Calhoun City Schools
Tags: Pre-Retirement
Published: October 8, 2021
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Dodge County
Tags: Pre-Retirement
Published: October 8, 2021
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Jackson County Schools
Tags: Pre-Retirement
Published: October 8, 2021
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Harris County Schools
Tags: Pre-Retirement
Published: October 8, 2021
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Glynn County Schools
Tags: Pre-Retirement
Published: October 8, 2021
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Coffee County Schools
Tags: Pre-Retirement
Published: October 8, 2021
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Walton County Schools
Tags: Pre-Retirement
Published: October 8, 2021
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Lumpkin County Schools
Tags: Pre-Retirement
Published: October 8, 2021
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Troup County Schools
Tags: Pre-Retirement
Published: October 8, 2021
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Dekalb County Schools
Tags: Pre-Retirement
Published: October 8, 2021
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Jones County Schools
Tags: Pre-Retirement
Published: October 8, 2021
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Fannin County
Tags: Pre-Retirement
Published: October 8, 2021
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Elbert County
Tags: Pre-Retirement
Published: October 8, 2021
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Oglethorpe County
Tags: Pre-Retirement
Published: October 8, 2021
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Catoosa County (Virtual)
Tags: Pre-Retirement
Published: October 8, 2021
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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
Published: June 5, 2020
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Dodge County
Tags: Pre-Retirement
Published: March 20, 2022
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Jones County
Tags: Pre-Retirement
Published: March 20, 2022
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Emanuel County
Tags: Mid-Career
Published: March 13, 2022
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Effingham County
Tags: Pre-Retirement
Published: February 27, 2022
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Appling County
Tags: Pre-Retirement
Published: February 27, 2022
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Glascock County
Tags: Pre-Retirement
Published: February 20, 2022
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Savannah-Chatham County
Published: February 20, 2022
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Ben Hill County
Tags: Pre-Retirement
Published: February 13, 2022
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Polk County
Tags: Pre-Retirement
Published: February 13, 2022
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Liberty County Schools
Tags: Pre-Retirement
Published: February 13, 2022
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Clarke County
Tags: Pre-Retirement
Published: February 13, 2022
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Fayette County
Tags: Pre-Retirement
Published: February 6, 2022
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Putnam County
Tags: Pre-Retirement
Published: February 6, 2022
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Rabun County
Tags: Pre-Retirement
Published: February 6, 2022
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Hall County
Tags: Pre-Retirement
Published: February 6, 2022
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Muscogee County (Virtual)
Tags: Pre-Retirement
Published: February 7, 2022
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Whitfield County (Virtual)
Tags: Pre-Retirement
Published: January 30, 2022
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Bulloch County
Tags: Pre-Retirement
Published: January 30, 2022
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Habersham County
Tags: Pre-Retirement
Published: January 30, 2022
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Burke County
Tags: Pre-Retirement
Published: January 23, 2022
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Harris County
Tags: Pre-Retirement
Published: January 23, 2022
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Cook County
Tags: Pre-Retirement
Published: December 23, 2021
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Dekalb County
Tags: Pre-Retirement
Published: January 23, 2022
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Dekalb County
Tags: Pre-Retirement
Published: January 23, 2022
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Fannin County
Tags: Pre-Retirement
Published: January 16, 2022
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Madison County
Tags: Pre-Retirement
Published: January 16, 2022
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Stephens County
Tags: Pre-Retirement
Published: January 16, 2022
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Walker County
Tags: Pre-Retirement
Published: January 20, 2022
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Oglethorpe County
Tags: Pre-Retirement
Published: January 9, 2022
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Union County
Tags: Pre-Retirement
Published: January 9, 2022
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Elbert County
Tags: Pre-Retirement
Published: January 9, 2022
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Newton County
Tags: Pre-Retirement
Published: April 14, 2022
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West Georgia RESA
Tags: Pre-Retirement
Published: April 14, 2022
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Murray County
Tags: Pre-Retirement
Published: April 14, 2022
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Southwest Georgia RESA
Tags: Pre-Retirement
Published: April 17, 2022
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Clinch County
Tags: Pre-Retirement
Published: April 23, 2022
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Turner County
Tags: Pre-Retirement
Published: April 24, 2022
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Bartow County
Tags: Pre-Retirement
Published: June 26, 2022
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Pioneer RESA
Tags: Pre-Retirement
Published: April 14, 2022
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Atkinson County
Tags: Pre-Retirement
Published: April 14, 2022
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Chattooga County
Tags: Pre-Retirement
Published: April 14, 2022
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Pierce County
Tags: Pre-Retirement
Published: May 19, 2022
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House Bill 385
House Bill 385 and it's impact to employers .
Published: May 24, 2022
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Bryan County
Tags: Pre-Retirement
Published: August 7, 2022
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Telfair County
Tags: Pre-Retirement
Published: August 7, 2022
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