Members

Active members

Retirees and survivors

Active members

• Enrolling in the MTRS
• The MTRS and you: Our mutual responsibilities
• Your membership in the MTRS
• Your annuity savings account
• Seminars and retirement counseling
• Retiring from the MTRS
  • Regular (“superannuation”) retirement (including RetirementPlus)
  • Termination retirement
  • Disability retirement
• Creditable service
  • Massachusetts public school service
  • Credit for an authorized leave of absence
  • Out-of-state public school teaching
  • Overseas Department of Defense dependent school teaching
  • Nonpublic school teaching (out-of-state or in Massachusetts)
  • Nonpublic school teaching in a MA state funded school
  • Massachusetts public school substitute, temporary or part-time teaching or tutoring
  • Massachusetts public service (with another governmental agency)
  • Active military service (during your membership in a Massachusetts contributory retirement system or at any time)
  • Peace Corps service
  • Pre-1975 maternity leave
  • Vocational work experience
  • Reference:
    • Purchasing creditable service with a direct transfer or rollover
    • Definition of “veteran”
    • Chapter 74-approved vocational technical education programs (re: vocational work experience)
    • Regular retirement overview, factors, tables and worksheet
    • Option C factors (complete listing; 8 pages, pdf)
• Survivor benefits
• Leaving MTRS service prior to retirement
• Other issues you should know about:
  • Regular compensation
  • RetirementPlus
  • How divorce could affect your benefits
  • Accidental death benefits

Retirees

• The MTRS and you: Our mutual responsibilities
  • Change your address
  • Volunteer opportunities for retirees
  • Unclaimed funds
• Your benefit payment
  • Your check stub or direct deposit statement
  • Direct deposit
  • Pension payment schedule
  • Benefit Verification process
  • Cost-of-living adjustments (COLAs)
  • If your check is lost or stolen
• Health insurance
  • The Retired Municipal Teachers’ Program (RMT)
  • Local coverage administered by your local employer
  • Medicare
• Social Security
  • Windfall Elimination Provision (WEP)
  • Government Pension Offset (GPO)
• Taxation of your benefit
  • Changing your federal tax withholding
  • About your 1099-R tax form
• Working after retirement