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The document provides a comprehensive checklist and instructions for applying for IMRF retirement benefits, including necessary forms, required documents based on marital status, and steps for direct deposit. It outlines the application process, additional forms needed, and frequently asked questions regarding pension payments and options. The document emphasizes the importance of submitting completed forms on time to ensure timely processing of retirement benefits.

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When to apply for IMRF pension?

Although age 60 is your full retirement age, we encourage you to apply for your pension at age 55. Some members think there is an advantage to waiting until age 60 or 62 to begin their IMRF pension. This is not true: IMRF pensions are based upon your final rate of earnings and total service credit.

How do I apply for IMRF retirement?

To claim an IMRF pension, the following should be submitted: Form 5.20, Application for IMRF (Pension), (Exhibit 5B). The application, including questions regarding Direct Deposit of the members pension payment, should be completed and signed by the member. Members can also apply for retirement via Member Access.

How long does it take to get fully vested in IMRF?

With the exception of a small number of people, IMRF members participate in Social Security in addition to IMRF, and you are entitled to full retirement benefits from each. It is your responsibility to ensure that you receive the full Social Security benefit you are entitled to.

How do I start the retirement process?

Most IMRF members participate in IMRFs Regular plan. A Regular Tier 1 member needs at least eight years to vest (be eligible) to receive an IMRF Regular plan pension. The earliest age a Regular Tier 1 member can receive a pension is age 55 (reduced) and age 60 (full pension).

What is the 6% rule for IMRF?

IMRF Will Send You an Accelerated Payment Invoice If a member retires from your employer with an end-of-career increase in reported earnings of at least 6%, or 1.5 times the increase in the CPI-Urban as of the previous September, whichever is greater, your employer will receive an Accelerated Payment Invoice.

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What is the 1000 hour rule for IMRF?

Instead, employers must enroll the retiree in IMRF once he or she actually works 600 or 1,000 hours (depending on the hourly standard) in a 12-month period. The 12-month periods shall be counted as of the first employment date following retirement with a particular IMRF employer.

Am I tier 1 or tier 2 IMRF?

If you first participated in IMRF or reciprocal system (except Judges or General Assembly retirement systems): Before January 1, 2011, you are in Tier 1. On or after January 1, 2011, you are in Tier 2.

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When to apply for IMRF pension?

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What is the 6% rule for IMRF?

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What is the 1000 hour rule for IMRF?

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