What New & Active Members Need to Know


As a new TRS member, once you have earned five years of credit with TRS, you are vested and can receive a lifetime retirement benefit when you become age eligible. In most cases, the retirement benefits paid to TRS members greatly exceed the funds they contribute to TRS while working. In fact, most TRS retirees recover all their contributions within the first five years of retirement.

Membership for Part-Time Employees & Substitute Teachers

As of July 1, 2002, retirement service credit will be earned and contributions will be withheld on TRS non-university members for part-time and substitute employees. See Membership, Contribution Rates & Benefits for more information.

Beneficiary Designation

One of your most important responsibilities as an active contributing member is to maintain a current beneficiary designation. Please remember any life changing event (marriage, divorce) may negate your current beneficiary. See Beneficiary Designation.

Advantages of My TRS Membership?

  • A predictable retirement income for life from your TRS defined benefit retirement plan.
  • Purchasing Service Credit with TRS may allow you to reach retirement eligibility or qualify for a larger benefit.
  • A Life Insurance Benefit (A life insurance benefit of $2,000 for active members and $5,000 for retirees) is payable to your beneficiary at your death.
  • Survivor Benefits may be payable upon your death.
  • Disability Retirement is available if you have five years of vested eligible employment and suffer from a disabling condition that prevents your from continuing employment with your TRS employer for as least twelve (12) months.
  • At retirement, a disabled child benefit is available if you have a disabled adult child whose mental or physical condition is sufficient to cause dependency on you at retirement.
  • A standard, statutory cost of living (COLA) is provided annually to TRS retirees.  For members that are retired for less than one year, your COLA will be prorated.

TRS Member Identification 

In an effort to help protect your privacy, TRS no longer uses Social Security numbers in correspondence. Instead, TRS has assigned you a unique, six-digit member identification that is unique and only recognizable to TRS. This TRS member ID appears on personal communications you receive from TRS and is readily identifiable. We encourage you to always use this ID when contacting TRS. Never email or fax your full Social Security number to TRS.

Annual Statement of Account

Each fall, you will receive an Annual Statement of Account from TRS. It includes the amount of your contributions, accumulated interest, years of credit, salary history and your beneficiary designation. Please review it carefully for accuracy. It is much easier to correct an error 6 months later than 27 years later.

For more information about the statement, click here.

Always Keep Your Addresses Current with TRS

It is so important for you to always keep your email and physical addresses current with TRS. We mail quarterly newsletters, ballots for voting for the members of the Board of Trustees, we send your annual statement, special notices and numerous other documents and important communications upon retirement. 

Change of address form (active members)


If at you have a question, please contact the information center at 800-618-1687, Monday through Friday, 8 a.m. to 5 p.m. ET.