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System Structure
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Contributions by         Members
Creditable Service
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Service After Age 70
Retirement Allowance
Application Procedures
Suspension of Benefits
Forfeiture of Benefits
Employment After          Superannuation
Options for Retirees
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Survivor Benefits
Disability Retirement
Involuntary Retirement
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Federal Taxes
Support Orders
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Addresses + Numbers

Main Guide After

This Guide reflects the provisions of G.L. c. 32 that are applicable to individuals who became members of a Retirement System on or after April 2, 2012. If you were a member before that date and remained a member after that date, please refer to the Massachusetts Public Employee Retirement Guide for those Who Became Members Prior to April 2, 2012. If you were a member of a Retirement System before April 2, 2012 and withdrew your funds from the System, you will be governed by the statute in effect when you return to membership. Even if you redeposit the funds you withdrew, you will be subject to the rights, responsibilities and statutes in effect when you again become a member of a Retirement System.

Updates to This Guide This guide reflects changes and amendments to the law through the enactment of the FY13 Budget, Chapter 139 of the Acts of 2012.


Public Employee Retirement Administration Commission
All 105 retirement systems are overseen by the Public Employee Retirement Administration Commission (PERAC).

105 Contributory Retirement Systems
There are 105 contributory retirement systems for public employees in Massachusetts. A retirement board governs each system and all boards, although operating independently, are bound together under one retirement law—Chapter 32 of the Massachusetts General Laws—that establishes benefits, contribution requirements, and an accounting and funds structure for all systems.

There are several categories of retirement systems or boards:

County and Regional Boards
These boards are the retirement administrators for county employees and employees of smaller towns and units within counties that do not have their own boards. In counties that have been abolished, regional retirement boards are the retirement administrators for retirees and current employees.

Municipal Boards
These boards are the retirement administrators for individual cities and larger towns within the Commonwealth.

State Board
This is the board for all state employees. There are also some smaller non-state units that are administered by this board.

Teachers' Board
This board covers all public school teachers in Massachusetts, with the exception of Boston teachers. The Boston Retirement Board administers the benefits of the Boston teachers, although the state is responsible for the cost.

Other Boards
Six other boards are established by Chapter 32: Massachusetts Housing Finance Agency, Massachusetts Port Authority, Blue Hills Regional School Employees, Greater Lawrence Sanitary District, Minuteman Regional Vocational Technical School District, and Massachusetts Water Resources Authority.

Pension Reserves Investment Management (PRIM) Board
This board is not a retirement board, but is charged with general supervision of the investment and reinvestment of the Pension Reserves Investment Trust (PRIT) Fund for the state employees, state teachers, and other participating/purchasing retirement systems.

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