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Can you buy years of service in IMRF?

IMRF's Early Retirement Incentive (ERI) is an employer option that allows eligible members to purchase up to five years of service credit at retirement. For each month and/or year of service credit a member purchases, the member's retirement age is enhanced accordingly.

Can I retire at 50 IMRF?

You must be at least age 50 and have at least 20 years of IMRF service credit by your date of retirement. The 20 years of service credit can only include service with IMRF employers. It cannot include service credit with another retirement system, reciprocal system, or unused, unpaid sick leave.

What happens to IMRF if I quit?

If you will not continue to participate in IMRF, you can leave your contributions on deposit with IMRF or, in most cases, you can take a refund. You are not required to take a refund when you leave your IMRF employer.

Can I lose my Imrf pension?

IMRF will immediately suspend your pension if you perform any type or amount of work for any IMRF employer within 60 days of your pension start date, or if you prearrange returning to employment with an IMRF employer after retirement.

Can I lose my IMRF pension?

IMRF will immediately suspend your pension if you perform any type or amount of work for any IMRF employer within 60 days of your pension start date, or if you prearrange returning to employment with an IMRF employer after retirement.

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What is IMRF service credit?

Service credit is your total time under IMRF, stated in years and months. The more service credit you have, the larger the amount of your pension will be. You earn one month of service credit for each month you: Work in a qualified position and make a member contribution. Receive an IMRF disability benefit.

Who gets IMRF?

To be eligible, the spouse must have been married or in a civil union with the deceased for at least one year prior to the date the deceased terminated IMRF participation. If the retired member had an eligible spouse at retirement, but that spouse dies, a future spouse could be eligible for a surviving spouse pension.

Can you buy years of service in IMRF?

IMRF's Early Retirement Incentive (ERI) is an employer option that allows eligible members to purchase up to five years of service credit at retirement. For each month and/or year of service credit a member purchases, the member's retirement age is enhanced accordingly.

How much is in my IMRF?

Members in the Regular IMRF plan earn 1.667% of their final rate of earnings for every year of service through the first 15 years and 2% for each year after that. Our sample member has earned a pension equal to 8.34% (1.667% times 5 years) of her final rate of earnings.

How much will I get from my IMRF pension?

The formula to calculate a Tier I Regular Plan pension is: 1-2/3% of your FRE for each of the first 15 years of service credit, plus. 2% of your FRE for each additional year of service credit over 15 years.

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