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Can I buy years of service with VRS?

You may be able to purchase service from previous public employment, active duty military service, an eligible period of leave or VRS refunded service as service credit in your plan.

What is the advanced pension option for VRS?

Advance Pension Option. With this option, you elect to temporarily increase your monthly retirement benefit. The temporary increase begins at retirement and continues until an age you choose, between age 62 and your normal retirement age under Social Security.

How long does it take to get your refund from VRS?

The refund process takes 45-60 days after your employer last reports you to VRS or after the date VRS receives your request, whichever is later. If your refund of taxable funds is less than $200, it is paid directly to you by direct deposit to the account of your choice and no taxes are withheld.

Can you borrow against Virginia retirement system?

The Code of Virginia does not allow VRS members to borrow or withdraw funds from their member contribution accounts. You can take a refund of your member contribution account when you leave covered employment. Those eligible for an optional retirement plan (ORP) must elect the ORP plan or the Hybrid Retirement Plan.

Can you take money out of your VRS?

Account Withdrawal You may withdraw from your account only when you meet one of these conditions: Terminate employment from the employer that offers the plan. Use your plan account to purchase VRS service credit, if approved. Experience an unforeseeable emergency that is approved by the Plan Administrator.

Can I borrow from my VRS retirement?

The Code of Virginia does not allow VRS members to borrow or withdraw funds from their member contribution accounts. You can take a refund of your member contribution account when you leave covered employment. Those eligible for an optional retirement plan (ORP) must elect the ORP plan or the Hybrid Retirement Plan.

How many years until you are vested in VRS?

You become vested for your VRS defined benefit when you have at least five years (60 months) of service credit. Once you are vested, you are eligible for a monthly retirement benefit if you meet the age and service requirements for your plan.

What is a VRS approved domestic relations order?

An Approved Domestic Relations Order (ADRO) is a court-issued document required to divide VRS retirement plan assets as part of a divorce. VRS administers defined benefit and defined contribution retirement plans.

Application for Purchase of Prior Service Credit (VRS-26) 2025

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