Retire Ready Tennessee

For Retirees

Congratulations on your milestone of retirement from Tennessee public service—here, you'll find the resources to maximize your retirement management.

Retirees to receive 2.9% COLA beginning July 2025

Retired teachers and state employees who have been on the TCRS retired payroll for at least 12 consecutive months as of July 1, 2025, will receive a 2.9% cost-of-living adjustment. The laws governing TCRS cap the annual cost-of-living adjustment at 3%. Retirees of local governments that have authorized COLAs will receive the same increase.

“On behalf of the Tennessee Treasury, I would like to thank you for your service to Tennessee and for helping make our state a better place" - Treasurer David H. Lillard, Jr.

You've earned it. Make the most of your retirement.

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Congratulations on joining the more than 135000 retirees covered by the Tennessee Consolidated Retirement System (TCRS)—which pays more than $2.4 billion in benefits annually.

As a retiree in the Tennessee Retirement System, you have the information, resources, and support you need—at your fingertips—to manage and get the most from your retirement.

Login to your retirement dashboard Login to TCRS Self-Service

401(k)/457 plan options

If you contributed to the Tennessee 401(k) or 457 plans while you were an employee, then you maintain complete control over your 401(k) or 457, just as you did before you retired.

As a retiree, you have the option to:

Leave your money in the plan
Take distributions or rollover to another eligible plan as needed
Setup periodic payments
Setup required minimum distributions when needed

Login to your 401(k)/457 accounts

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You are encouraged to discuss rolling money from one account to another with your financial advisor/planner and to consider any potential fees and/or limitations of available investment options.

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Return to work

Retirees can return to work with a TCRS-covered employer for 120 days within a 12 month period, without losing their retirement benefits, as long as the individual does not exceed certain salary restrictions. For Higher Education, this can be 120 days or 18 semester hours.

To get started, simply complete and return the appropriate form below to TCRS prior to the start of your employment.

Unless you are retired on disability, you can always return to work for a private employer without restrictions.

Contributions to your 401(k) and/or 457 plan

A retiree returning to work for 120 days or less may elect to contribute to the 401(k) and/or 457 plan, but will not receive any matching contributions from the state. If a 120-day employee desires to contribute, he or she should call RetireReadyTN at (800) 922-7772.

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PerkSpot: Enhanced Discount Program

TCRS Retirees can now take advantage of PerkSpot: Tennessee Employment Enhanced Discount Program to receive discounts from more than 900 merchants! The cost saving and special benefit offerings have been made available just for you.

These discounts are coordinated through the Tennessee Department of Human Resources.

Start by signing up or logging in at teamtn.perkspot.com and access thousands of discounts by browsing at home or on the go. Discover discounts in your neighborhood with PerkSpot’s Local Map feature. Filter the results by categories like health and fitness, retail, restaurants, and more!

To find the discounts that you have previously enjoyed, look for the State of TN Exclusives tab.

The State of Tennessee Employee Discount Program is administered by the TN Department of Human Resources, which generously makes these discounts available to our retirees. If you have questions or need assistance with Perkspot, email cs@perkspot.com or call (866) 606-6057.

Launch PerkSpot: TN Employee Discount Program

PerkSpot Website Tips COVID 19 Friendly Discounts

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).

Retiree Advisor

Be sure you are receiving Retiree Advisor, our official publication for retirees in the Tennessee Consolidated Retirement System.

Retiree Advisor is published semi-annually and provides information on cost-of-living adjustments (COLA), payment dates, insurance, tax updates, and more. View the most recent issue using the link below. Or, login to your TCRS account to ensure your contact information is up-to-date, so that you receive the newest edition of Retiree Advisor when published.

View current issue Login to your TCRS account

Archived issues: Summer 2024, Winter 2024, Winter 2023, Summer 2022, Winter 2022, Summer 2021, Winter 2021, Summer 2020, Winter 2020, Summer 2019, Winter 2019, Summer 2018, Winter 2018, Summer 2017, Winter 2017

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Retiree insurance and Social Security

Find all types of retiree insurance forms—including health, dental, and life — and view Social Security information and resources from COLA to Medicare cards.

Retiree insurance Retiree Social Security