Membership Requirements, Contribution Rates & Benefit Calculations

Note: Information on returning to work can be found at this link.

Qualifying for TRS Membership

Non-University employees: Non-university members do not contribute to Social Security. TRS membership is mandatory if your position with a TRS employer requires either certification or graduation from a four-year college or university. Additionally, any person providing part-time or substitute teaching services that are the same or similar to those teaching services provided by full-time, certified teachers shall be a member of the retirement system, regardless of whether certification or graduation from a four year college or university is required. Members providing part-time and substitute services with fewer than five years in their initial retirement account must complete at least 69% of a full contract year before they and their survivors are eligible for survivor benefits, life insurance benefits or disability benefits.

University employees: University employees are eligible to participate with TRS if they are employed on a full-time basis and their position requires either certification or graduation from a four-year college or university. University employees contribute to Social Security in addition to TRS.

Defining Employment

Full time is employment in a position that requires services on a continuing basis equal to at least 7/10ths of the normal full-time contract for any fiscal year.

Part time is any employment that is less than full time or less than 7/10ths employment. As of July 1, 2002, members providing part-time and substitute services for a non-university employer will participate in TRS and receive retirement credit. Part-time and substitute members are subject to the same limitations and conditions regarding the accumulation and use of service credit that apply to full-time employees.

Employee Contribution Rates

All full-time, part-time and substitute members make pretax contributions to TRS.

TRS 1, TRS 2 and TRS 3
Employee Contribution Rates
Non-university University
12.855% 8.185%
TRS 4
Employee Contribution Rates
Non-university University
14.75% 9.775%

Determining retirement annuity benefit

Members should consult the appropriate Service Retirement brochure for each member’s account type. The separate brochures, one for TRS 1, TRS 2 and TRS 3 members and one for TRS 4 members is on the Service Retirement and Retirement Eligibility page. Additional information for TRS 4 members is on the TRS 4 information page.

Forfeiture of Membership

Members who are not eligible to retire and who permanently terminate their employment have the option to withdraw their TRS account balance. A withdrawal of funds cancels TRS membership and voids any future benefit eligibility (subject to reinstatement rules).