Retire Ready Tennessee

For Local Government Employees

As a local government employee in Tennessee, one of your most valuable benefits is your comprehensive retirement plan.

A Message from RetireReadyTN

While employees of the Tennessee Department of Treasury are working remotely to help reduce the spread of the COVID-19 virus, all vital services of the retirement plan are continuing without interruption. Our staff continues to ensure the administrative responsibilities of our pension plan are being met, so that our retirees will see no disruptions in benefit payments. Likewise, the RetireReadyTN Call Center is available to answer questions about your TCRS, 401(k), and 457(b) plans. Login below to access your retirement accounts 24/7 or call (800) 922-7772, Monday-Friday 8 A.M. to 7 P.M CT.

RetireReadyTN: Combined strengths for local government employees

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Local government entities have the opportunity to take advantage of RetireReadyTN by selecting from a variety of benefit options designed to fit the needs of their employees.

Local governments may offer standalone defined benefit and deferred compensation plans, or a combination of both.

To better understand the retirement benefits provided by your employer, talk to the benefit coordinator within your office.

Retirement Plan Information

Full-time Employees of Local Government Entities Electing to Participate

Retirement Plan for Local Government Employees

Your defined benefit plan

The Tennessee Consolidated Retirement System (TCRS), provides lifetime retirement, survivor and disability benefits for employees and their beneficiaries.

Recognized as one of the best managed defined benefit plans in the country, TCRS provides lifetime retirement, survivor and disability benefits for employees and their beneficiaries. After a five-year vesting period, an employee becomes eligible to receive a monthly benefit at retirement once the age requirement is met. The benefit is calculated by the employee’s years of service and salary. The benefit provided by TCRS is a solid foundation for building a retirement future.

Learn more about the TCRS Login to TCRS Self-Service

Tennessee Consolidated Retirement System (TCRS) logo

A strong foundation. Peace of mind for your retirement future.

Your Tennessee Consolidated Retirement System (TCRS) is recognized as one of the top 5 strongest pension funds in the United States by Standard & Poor's (S&P).

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401(k) and 457(b) Plan Options

With over 500 participating local government entities, the Tennessee Treasury Department is proud to offer comprehensive retirement and education to communities throughout Tennessee.

View 401(k) plan highlights View 457(b) plan highlights View a 401(k) and 457(b) plan comparison Login to your 401(k)/457(b) accounts

Law Changes impacting Police and Firefighter 25-year Retirement

The 111th General Assembly enacted new legislation that creates a new early service retirement option for police officers and firefighters. General information of the impact that Public Chapter 362 will have on the retirement benefit provided to police officers and firefighters through the Tennessee Consolidated Retirement System (TCRS) in included through the link below.

Did you know?

You may spend 20 to 30 years — or more — in retirement. That’s great, but you want to make sure your savings last that long, too. And don’t forget that things will cost more in the future. If inflation averages 3% per year, groceries that cost $50 today will cost more than $120 in 30 years.

Check your retirement dashboard

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Planning for Retirement?

When the time comes to retire, we want you to be ready. Make the most of your retirement by taking steps to plan for it now. This checklist will help you navigate the process from start to finish.

Retirement Checklist

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Access quick resources

With RetireReadyTN, you have all the resources you need to manage and optimize your retirement planning.

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Do you know who your beneficiary is?

Check your beneficiaries

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More than 3 years from retirement?

Register for a Readiness Review

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Within 3 years of retirement?

Register for retirement counseling

Contact Us

Have questions about your retirement account? We're here to help!

(800) 922.7772 (Main line)

(800) 766.4952 (TDD)

Mailing Address

Andrew Jackson Building, 15th Floor
502 Deaderick Street
Nashville, TN  37243-0201

Deferred Compensation Program
Empower Retirement
545 Mainstream Drive, Suite 407
Nashville, TN  37228