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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.
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Tags: Pre-Retirement
Published: September 27, 2021
Published: September 27, 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
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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Suspending or Terminating Retirement
If a TRS retiree returns to work in any capacity other than what is listed above as acceptable employment, he or she may work one-half time or greater in a TRS-covered position and either suspend or terminate his or her retirement benefit.
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Published: October 7, 2021
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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Governance
A Board of Trustees administers the Teachers Retirement System of Georgia (TRS). State statutes provide that the administration of the System be vested in a ten-member Board of Trustees
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Published: August 30, 2021
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.
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Published: August 31, 2021
FY2021 Annual Membership Statements Are Available
Active members may now access their membership statements online via their TRS account. The statements provide valuable account information, such as an account balance, the lump-sum value of an account, estimated projections, as well as beneficiary and service credit information.
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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
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
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.
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Published: September 27, 2021
Disability Retirement
A TRS member who is mentally or physically disabled, and who has an active account and at least 10 years service credit is eligible to apply for disability retirement. The inability to satisfactorily perform one’s current work duties, due to health reasons, is the major factor in determining ‘disability.’
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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.
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At 40 Years of Service
If you have at least forty years of service credit, you may elect to discontinue your contributions to TRS, as 40 years is the maximum number of years your retirement calculation can be based upon. Per Georgia law, this election is irrevocable.
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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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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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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
Helpful Links
Here is a list of websites that we at TRSGA believe may be of interest or use to you.
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Published: October 5, 2021
Suspending or Terminating Benefit Payment
If you return to work in a position that does not allow you to continue receiving your monthly benefit payment, you will have the choice to terminate or suspend your retirement.
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Tags: Retiree
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
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.
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Tags: Pre-Retirement
Published: October 5, 2021
Published: October 5, 2021
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.
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Tags: Mid-Career
Published: October 6, 2021
Published: October 6, 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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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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Limitations to Using Sick Leave
Unused sick leave credit is allowed for Georgia teaching service. Eligible service includes withdrawn and repurchased Georgia teaching service as well as service purchased or transferred from local retirement plans.
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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
Eligibility for Retirement
You are eligible to retire ‘penalty free’ under the following 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
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.
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Published: October 6, 2021
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.
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Published: October 7, 2021
Important Updates About Your 2021 Benefit!
Happy 2021 retirees and we hope that this year is off to a great start! You may have noticed a difference in your January, 2021, benefit.
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Tags: Retiree
Published: January 5, 2021
Published: January 5, 2021
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
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
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
Half-Day Pre-Retirement Seminar @ Central Georgia Technical College
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Tags: Pre-Retirement
Published: October 25, 2022
Published: October 25, 2022
Fraud Prevention
As a TRS member, you may receive solicitations from financial services companies that are representing themselves as TRS and communicating pension plan information in ways that may be incorrect or aimed at enhancing their own commissions.
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Published: March 15, 2023
Virtual Pre-Retirement Workshop on YouTube
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Tags: Pre-Retirement
Published: February 20, 2023
Published: February 20, 2023
Post-Retirement Half-Day Seminar @ Chattahoochee Technical College
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Tags: Retiree
Published: May 2, 2023
Published: May 2, 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
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 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
Post-Retirement Seminar @ Clayton State University
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Tags: Retiree
Published: March 25, 2024
Published: March 25, 2024