TCRS Overview and Self-Service - Tennessee Treasury - TN 2025

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The Tennessee Consolidated Retirement System (TCRS) is a defined benefit pension plan that covers state employees, higher education employees, K-12 public school teachers, and employees of political subdivisions who have elected to participate in the plan.
TCRS provides a strong foundation for RetireReadyTN, the States retirement plan. RetireReadyTN combines one of the nations strongest defined benefit plans, provided by TCRS; a 401(k) plan; and retirement readiness education.
Definition of Retiree Those requirements are: Age 60 with at least 5 years of service with no health insurance, or. Age 55 with at least 10 years of service, or.
The state makes all contributions to your retirement account. Vested members of TCRS become eligible for service retirement upon completion of 30 years of creditable service or upon attainment of age 60.
Tennessee Consolidated Retirement System (TCRS) TCRS Legacy is a defined benefit plan, which means the amount of retirement is determined by a formula rather than an account balance. Benefits are determined using the members highest five-year average salary and years of service.
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Full-time state employees are automatically a member of the Tennessee Consolidated Retirement System (TCRS). However, you must accrue five years of creditable state service before you are vested (guaranteed retirement benefits when age requirements are met).
Service retirement is a lifetime benefit. In general, you can retire at age 50 with five years of service credit unless all service was earned on or after January 1, 2013. After that, you must be at least 52 to retire.

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