Retire Ready Tennessee

For State Employees

As a state 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 state employees

happy employees in office

RetireReadyTN is the state’s retirement program, combining the strengths of:

  • One of the nation's strongest defined benefit plans, provided by the Tennessee Consolidated Retirement System (TCRS)
  • A 401(k) plan through services provided by Empower Retirement
  • Retirement readiness education

As a state employee in Tennessee, you have unique retirement plan options available to you, including an additional savings opportunity through a 457 deferred compensation plan.

Get to know your unique retirement plan

Your member contributions to the 401(k) qualify for a monthly dollar-for-dollar match!

The State of Tennessee offers an employer match of $1 for every $1 you contribute, up to $50 a month. Contribute a minimum of $50 per month to take full advantage of your employer match.

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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Your 401(k)

The 401(k) plan lets you take control of your retirement by investing in fund options of your choice.

You are immediately vested in the 401(k) and can decide how your money should be invested given your individual goals, risk tolerance, and timeline. The amount you receive from your 401(k) account in retirement is based on how much you save, plus any accumulated earnings from your investments.

View 401(k) plan highlights Enroll in the 401(k) plan Login to your 401(k) account

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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Get to know your plan

Depending on your date of hire, you are enrolled in either the Hybrid Plan or the Legacy Plan.

Hybrid Plan (for employees hired on or after July 1, 2014)

Full-time state and higher education employees hired on or after July 1, 2014 are members of the Hybrid Retirement Plan for State Employees and Teachers (“Hybrid Plan”) as a condition of employment.

Hybrid Plan for State and Higher Education Employees

Legacy Plan (for employees hired before July 1, 2014)

Full-time state and higher education employees hired prior to July 1, 2014 are members of the Legacy Plan for State and Higher Education (“Legacy Plan”) as a condition of employment.

Legacy Plan for State and Higher Education Employees

Take charge of your retirement by enrolling in the 401(k) and/or 457 plan

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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Additional savings opportunity

As an added benefit, the State of Tennessee offers the ability to save through a 457 deferred compensation plan. The 457 has the same investment options as the 401(k) and does not share a contribution limit with other retirement plans. By participating in the 457 plan you can save and invest additional money for retirement.

457 plan highlights 401(k) and 457 plan comparison Login to your 457 account


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

Female counselor meeting with employee

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