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

Memphis Tennessee bridge at sunrise

“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.


seniors walking through town, eating ice cream, happy

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

senior couple watching movie inside theatre

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.

Return to work

Retirees can return to work at a TCRS-covered employer for 120 days without losing their retirement benefits.

senior female teacher in preparing classroom

Temporary employment

Temporary employment allows TCRS retirees to work 120 days, or 18 semester hours in higher education, within a 12 month period, as long as the individual does not exceed certain salary restrictions.

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.

grandmother with child in garden

grandparents water aerobics

Tennessee Employment Discount Program

TCRS Retirees can take advantage of the Tennessee Employment Discount Program to receive discounts on entertainment and attractions, products and services, and more!

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

Please note that some vendors may offer a discount to retired state employees only.

View Discounts for Retirees

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: January 2018, July 2017, January 2017

grandfather with son reviewing newsletter on tablet device

 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

Access quick resources

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


Seniors walking happily along path in woods

Log in to TCRS Self-Service

Log in to your TCRS account

senior walking on bridge in autumn with leaves

Change your 401(k)/457 beneficiary

Log in to your retirement dashboard

Female on laptop, looking at online calendar data-appear-animation=

Check the TCRS payroll calendar

View TCRS payroll dates

Great Smokey Mountains park at sunrise

Contact Us


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

(800) 922.7772 (Main line)

(800) 766.4952 (TDD)

TCRS.CustomerSupport@tn.gov

Mailing Address


TCRS
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