Active Members


Active MembersRetirees & BeneficiariesEmployersGeneral Information


Eligibility Requirements

Eligibility Requirements

Normal Age Retirement

For persons who became members of TRS prior to September 1, 2007 and maintain membership until retirement, the following eligibility requirements must be met to qualify for an unreduced service retirement benefit (normal age retirement):

  • Age 65 with 5 or more years of service credit, or
  • Any combination of age and service totaling 80 with at least 5 years of service credit.

For persons who first become members or return to membership on or after September 1, 2007, the following eligibility requirements must be met to qualify for unreduced benefits at retirement (normal age retirement):

  • Age 65 with 5 or more years of service credit, or
  • Age 60 with at least 5 years of service credit and meets the Rule of 80 (combined age and years of service credit equal at least 80).

Early Age Retirement

A member may receive a reduced annuity at: age 55 with 5 or more years of service and the total age and service is less than 80, or any age below 50 with 30 or more years of service. 

Persons who first become members or return to membership on or after September 1, 2007 are subject to a 5% annuity reduction for each year under age 60 if they retire before age 60 and meet the Rule of 80. Members with at least 30 years of service credit but who do not meet the Rule of 80 also have a 5% reduction for each year under age 60.

Grandfathered Members who Terminate TRS Membership and Later Return

Grandfathered members who terminate their TRS membership by withdrawal of contributions at any time (prior to or after September 1, 2007) and return to membership on or after September 1, 2007, have different eligibility requirements for unreduced benefits than other persons who become members on or after September 1, 2007. A member is grandfathered if, on or before August 31, 2005 : 1) the member was at least age 50, 2) the member’s age and years of service credit totaled at least 70, or 3) the member had at least 25 years of service credit. Persons who were grandfathered at the time of withdrawal have their grandfather status restored upon returning to membership on or after September 1, 2007, regardless of whether they reinstate the withdrawn service.

For these grandfathered members who return to membership on or after September 1, 2007, the following eligibility requirements must be met to qualify for unreduced benefits at retirement:

  • Age 65 with 5 years of service credit, or
  • Age 55 with at least 5 years of service credit and meets the Rule of 80 (combined age and years of service credit total at least 80).

Grandfathered members who return to membership on or after September 1, 2007 are subject to a 5% annuity reduction for each year under age 60 if they retire before age 55 and meet the Rule of 80. Members with at least 30 years of service credit but who do not meet the Rule of 80 also have a 5% reduction for each year under age 60.

Disability Retirement

A member, regardless of age, may apply for disability retirement if he or she is mentally or physically disabled from the further performance of duty, and the disability is probably permanent.

If you are interested in disability information, please contact the Teacher Retirement System of Texas at 1-800-223-8778.

Disability Benefits cannot be calculated online. Please contact TRS for an estimate.

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