The following was included in TCTA's 2017-18 Survival Guide, the ultimate reference tool for Texas educators, and is current as of September 2017 but is subject to change.

Generally, a TRS member may retire with the standard benefit at:

  1. age 65 with five or more years of service credit; or
  2. with at least five years of service, any combination of age and years of service credit totaling at least 80 (the “Rule of 80”).

Exceptions:

  • A member who enters TRS membership after Aug. 31, 2007, and who had at least five years of service credit as of Aug. 31, 2014, must also meet a minimum age of 60 for full retirement benefits.
  • Any member who did not have at least five years of service credit as of Aug. 31, 2014, must meet a minimum age of 62 for full retirement benefits.

Members described by these provisions can still retire upon meeting the Rule of 80, but will have benefits reduced by 5 percent for each year under age 60 or 62, as appropriate.

A TRS member who entered the system prior to Aug. 31, 2007, and had at least five years of service credit as of Aug. 31, 2014, does not have to meet a minimum age requirement to retire with full benefits.

Provisions regarding “entering the system” consider a person who withdrew TRS funds, then subsequently returned to school employment, to have entered on the date of re-entry rather than the original date of TRS membership. The TRS Benefits Handbook has full details on retirement eligibility, which as become vastly more complex after recent legislative changes.

Same-sex spouses

Pursuant to the U.S. Supreme Court’s ruling in Obergefell v. Hodges in June 2015, TRS extends spousal benefits to same-sex spouses.

See also:

TRS Contributions
TRS Service Credit
Early Retirement
Disability Retirement
How to Calculate Your TRS Benefits
Partial Lump-Sum Option (PLSO)
Withdrawal of Funds
Retire/Rehire

See also TRS & Social Security