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The full retirement age is 66 if you were born from 1943 to 1954. The full retirement age increases gradually if you were born from 1955 to 1960 until it reaches 67. For anyone born 1960 or later, full retirement benefits are payable at age 67. The chart on the next page lists the full retirement age by year of birth.
You become vested when you have contributed to your State of Texas Retirement account for five or 10 years, depending on when you started working for the state.
Normal-Age Retirement Eligibility To be eligible for normal-age service retirement, you must meet one of the following conditions: you are age 65 with at least five years of service credit, or you are at least age 60, you meet the Rule of 80 (your age and years of service credit total at least 80), and you have at
Under current law, if you were born in 1958 or later, your full retirement age can be anywhere between 66 and 8 months and 67 for those born in 1960 and after.
Your service credit with all TMRS participating cities can be combined to meet the vesting requirement. Retirement eligibility is based on your service credit and your age. Most cities require that you have five or more years of service credit and reach age 60 to be retirement eligible.

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A COLA (Cost of Living Adjustment) is an optional benefit a TMRS city may choose to provide its retirees. COLAs help protect your benefit from the effects of inflation. After you retire, if you receive a COLA, your annuity benefit may increase based on changes in the Consumer Price Index (CPI; see description be- low).

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