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Term Definitions



Term Definitions


For more information on the following term definitions, please see the Member Benefits Guide.

Employee Deposit Rate: Your member deposits are deducted by your city from your pay. Depending on your city’s plan, your deposits will be 3%, 5%, 6%, or 7% of your gross compensation.

City Match: Your city matches your member deposits and interest at retirement at a rate chosen by the city: 1 to 1, 1.5 to 1, or 2 to 1. The city match is combined with your member deposits and the interest credited to your account to calculate your retirement benefits when you retire. The only way to receive the city’s matching funds is to retire from TMRS and receive a monthly payment.

Vested Requirement: In most TMRS cities, you are vested when you earn 5 years of service credit. A few cities require 10 years. Once you are vested and you reach the necessary age requirements, you may retire and receive a monthly retirement benefit for the rest of your life. If you leave your city job, as long as you are vested and leave your member deposits with TMRS, you keep your rights to a retirement benefit. Your TMRS deposits will continue to earn interest, and when you meet the necessary age and service credit requirements, you can retire from TMRS.

Service Retirement Eligibility: In most TMRS cities, you can retire when you have at least 5 years of service credit (10 years in a few cities) and are at least age 60. You may also retire at any age if you have 20 or 25 years of service credit, depending on the plan chosen by your city. Your monthly benefit at retirement is based on your member deposits and interest, the city’s matching funds, other credits, your life expectancy (and your beneficiary’s, if you choose certain options; see your Member Benefits Guide), future account interest assumptions as set by law, and the monthly payment plan you choose.

Updated Service Credit (USC): USC is designed to help career members’ benefits maintain their value. In calculating USC, TMRS looks at the changes in your salary over your career and at any changes the city has made to its TMRS plan, such as your deposit rate or the city’s matching ratio. In some cases, USC can increase your monthly retirement payment. USC will only be part of your benefit if you retire and receive a monthly retirement payment, and your city has chosen this option as part of its plan.

USC Effective: The year shown is the last year for which your city adopted USC. An R indicates that the adoption is repeating and will be in effect every year unless your city rescinds the adoption.

COLA %: Your city may choose to grant a Cost of Living Adjustment (COLA) to its retirees. COLAs may be granted annually and are based on changes in the Consumer Price Index, either 30%, 50%, or 70%of the change. You must be retired for a full year to be eligible for a COLA.

COLA Effective: The year shown is the last year for which your city adopted a COLA. An R indicates that the adoption is repeating and will be in effect every year unless your city rescinds the adoption.

Military Service Credit: The Military Service Credit provision recognizes military service either: Performed before you were employed by the city, or performed during a time when you voluntarily left city service for the military and withdrew your member deposits or did not exercise your rights under USERRA.

Restricted Prior Service Credit: If your city adopts this provision you can receive Restricted Prior Service Credit for certain types of public service, including active duty military service performed prior to your employment with the city. See the Member Benefits Guide for applicable service and more information.

Buy Back: If you have previously refunded TMRS service, you may be eligible for a buyback if you were an employee with the city on the adopted date shown in the snapshot. If you became employed after that date, you are not eligible for the buyback provision.

Supplemental Death Benefits (SDB) • Employees: Your city may choose to include a Supplemental Death Benefit (SDB) in its retirement plan. If your city has chosen this provision and you die while employed by the city, TMRS will pay your designated beneficiary or estate a benefit approximately equal to your current annual salary, plus any retirement benefits due.

Supplemental Death Benefits (SDB) • Retirees: If you retire with TMRS, a Supplemental Death Benefit in the amount of $7,500 will be paid on your death as long as the TMRS city from which you retired offers such coverage in addition to any remaining retirement benefits.