Member
Benefits
Guide
2 TMRS Member Benefits Guide - December 2023
Table of Contents
Benefits Summary ................................................................... 3
Membership ........................................................................... 5
Earning Service Credit ............................................................ 6
Retirement .............................................................................. 8
Applying for Retirement ..........................................................11
Disability Retirement..............................................................12
Death Benefits ....................................................................... 13
Leaving City Employment ......................................................15
Divorce ...................................................................................16
Taxes ...................................................................................... 17
Member Resources ................................................................ 19
Chapter One:
Chapter Two:
Chapter Three:
Chapter Four:
Chapter Five:
Chapter Six:
Chapter Seven:
Chapter Eight:
Chapter Nine:
Chapter Ten:
Chapter Eleven:
TMRS Member Benefits Guide - December 2023 3
Membership
You become a TMRS member when you become employed by a TMRS participating city in a position that normally requires
at least 1,000 hours of work in a year.
Contributions
You contribute a portion of your compensation to TMRS every month. That contribution will be either 5%, 6%, or 7% of your
compensation, depending on your city’s retirement plan provisions. Your city will deduct that contribution and send it to
TMRS.
Your contributions are credited to your TMRS account and earn 5% interest each year you remain a member.
When you retire, your city will match your member contributions and interest at a rate chosen by your city. The rate will be
1:1, 1.5:1, or 2:1.
Your contributions, interest, and the city match will be combined to calculate your retirement benefit.
Service Credit
You earn service credit each month you are employed and make contributions. You can earn additional service credit for
other types of previous employment, like government employment or active-duty military service.
Vesting
Vesting means you have enough service credit to be eligible for a monthly retirement benefit. Most cities require five years
of service credit to vest, but a few require 10 years. Your service credit with all TMRS participating cities can be combined
to meet the vesting requirement.
Retirement Eligibility
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. A few require at least 10 years of service credit.
You can retire at any age if you have 20 years of service credit. A few cities require 25 years of service credit depending on
the plan chosen by your city.
Retirement Benefit Options
When you retire, you will choose from three benefit options. Each will pay you a monthly benefit for the rest of your life.
Death Benefits
If you die before you retire, your beneficiary or estate will receive at least a refund of your account balance. If you are vested,
your beneficiary may be eligible to receive a monthly retirement benefit. If you die after you retire, your beneficiary’s benefit
will depend on the retirement option you chose.
Your city may also provide a Supplemental Death Benefit (SDB). If it does, your designated beneficiary will receive it when
you die.
Beneficiaries
A beneficiary is the individual(s) you select to receive your TMRS benefits when you die. You should name a beneficiary as
soon as you begin work.
Chapter One: Benefits Summary
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Because your prior beneficiary designations become invalid when you vest, you must redesignate a beneficiary when you
become vested. If you are married, your spouse must consent if you name a beneficiary other than your spouse after you
vest.
Disability Benefits
If you become disabled and can no longer perform your job, you may be eligible to retire immediately and receive a benefit
if the disability is likely to be permanent.
Leaving City Employment Before You Retire
When you leave city employment, you have two choices: you can leave your account balance with TMRS or have it refunded
to you.
If you are vested, you can leave your account balance with TMRS until you retire.
If you are not vested, you can leave your account balance with TMRS for up to five years.
If you refund your account balance, you forfeit any city matching funds and your TMRS membership ends.
MyTMRS
MyTMRS is an online member portal you can use to change your address, access your account statement, run retirement
estimates, and change your beneficiary and contact information.
You should create a MyTMRS account as soon as you begin city employment.
Annual Account Statements
Each year, TMRS will provide you with an account statement.
The member account statement shows your account balance, total service credit, and estimated monthly retirement benefit.
You cannot take a loan from or borrow against your TMRS account.
TMRS ID Number
For your security, you will be provided with your own unique six-digit TMRS identification number. You should use this
number when you contact TMRS with questions about your account.
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Chapter Two: Membership
You Make Contributions to TMRS
Your TMRS membership begins on your date of employment with your city.
Each pay period, part of your compensation will be deducted and sent by your city to TMRS and credited to your account.
Your contributions are credited with interest each year on December 31 based on the balance in your account on the prior
January 1.
Vesting
Vesting makes you eligible to receive a monthly retirement benefit when you reach age 60. You become vested after either
five or 10 years of service credit, depending on your city’s plan provisions.
■ If you become vested with one participating city, you are automatically vested with any other participating city.
■ If you worked for a 10-year city and did not become vested, and then work for a five-year city, you will not become
vested until your combined service credit with both cities totals 10 years, or you receive five years of service
credit with the five-year city.
Service credit from previous government employment may count toward vesting.
Leaving City Employment
When you leave city employment, you can leave your contributions with TMRS or refund your account.
If you leave your contributions with TMRS and are vested, your account will continue to earn interest until you retire. If you
are not vested, your account will earn interest for five years, at which time your membership terminates.
If you choose to refund your TMRS account, your membership terminates, and you forfeit your right to receive a lifetime
monthly retirement benefit. You will receive your account balance, but no city matching funds.
Retirement Eligibility
You become eligible to retire at age 60 with either five or 10 years of service, or at any age with 20 or 25 years of service,
depending on your city’s plan. When you do, you can begin receiving a lifetime monthly retirement benefit based on your
contributions, interest, and the city’s matching funds.
Choosing a Beneficiary
One of your most important decisions is choosing your beneficiary, and you should do so when you begin working and
again when you become vested.
When you die, your beneficiary may receive a TMRS benefit if you are vested. Otherwise, they will receive a refund of your
account.
If you are married, your spouse must consent if you name a beneficiary other than your spouse after you vest.
Membership Termination
Your TMRS membership will terminate when you die, refund your account, or retire.
6 TMRS Member Benefits Guide - December 2023
Chapter 3: Earning Service Credit
Service Credit
Service credit is used to determine vesting and retirement eligibility requirements. You receive one month of service credit
for each month of active employment with a TMRS participating city. If you leave one TMRS participating city and begin
working with another in the same month, you will only receive one month of service credit.
You can earn service credit in several other ways, too.
Restricted Prior Service Credit
Restricted Prior Service Credit is credit for previous full-time employment with certain other public employers.
Cities can grant Restricted Prior Service Credit for previous full-time employment with:
■ Any public authority or agency created by the United States
■ Any state or territory of the U.S.
■ Any political subdivision of any state in the U.S.
■ Any public agency or authority created by a state or territory of the U.S.
■ Any Texas institution as a college campus security employee
■ Any branch of the U.S. military
■ In addition, cities can grant Restricted Prior Service Credit if you refunded your account with:
■ Employees Retirement System of Texas
■ Teacher Retirement System of Texas
■ Judicial Retirement System of Texas (Plan 1 or 2)
■ City of Austin Employees Retirement System
■ TMRS
Prior Service Credit
If you were working for a city when it joined TMRS, the city may provide you with Prior Service Credit. Prior Service Credit
includes monetary credit that will be used to increase your retirement benefit.
If your city funded, partially or in full, any retirement benefits for you before the city joined TMRS, you may receive time-only
service credit that adds no monetary value to your TMRS account.
If you terminate your TMRS membership before you retire, any Prior Service Credit you received will become void.
Military Service Credit
You can receive service credit for military service in two ways:
First, if you work for a participating city that provides military service credit, you can receive service credit for up to 60
months of your military service.
Second, if you are called to active duty while employed with the city, you can receive military service credit under the
TMRS Member Benefits Guide - December 2023 7
federal Uniformed Services Employment and Reemployment Rights Act (USERRA).
To be eligible under USERRA, you must be re-employed by your city within 90 days of your release or discharge from active
duty, subject to exceptions for recovery from illness or injury incurred or aggravated during your active duty. In addition,
you may choose to submit member contributions that would have been made by your city had you not been called to active
duty. You have up to three times the length of your military service but not more than 60 months after your release or
discharge to make these contributions.
Or you may be eligible to receive Military Service Credit pursuant to specific TMRS plan provisions adopted by your city.
To qualify for Military Service Credit, you must have been called to active duty and not been dishonorably discharged, and
you cannot receive credit for the same military service in any other Texas retirement system.
Buying Back Service Credit
If you refund your account, but then return to work for a TMRS participating city, you may be able to buy back the service
credit you refunded.
To buy back service credit, you must be employed with the city at the time the city adopted the buyback provision. In
addition, you must have 24 consecutive months of service with the city to be eligible to buy back your service credit.
To buy back service credit, you must pay your refunded amount plus interest in a lump sum.
Family and Medical Leave Act (FMLA)
If you take unpaid leave under the federal Family and Medical Leave Act (FMLA), you stop receiving TMRS service credit.
When you return to work, you will start receiving service credit again.
Service with Other Texas Retirement Systems
The State of Texas allows individuals with service in two or more designated retirement systems to combine their service
credit to meet retirement eligibility in each system. TMRS recognizes service with the:
■ Teacher Retirement System of Texas
■ Employees Retirement System of Texas
■ Judicial Retirement System of Texas (Plan 1 or 2)
■ Texas County and District Retirement System
■ City of Austin Employees Retirement System
You must notify TMRS if you have service credit with these systems.
If you refunded your TMRS account, and join one of the systems above, you can get credit for your TMRS service with that
system. This service credit has no monetary value and counts only as time.
Workers’ Compensation
If you receive workers’ compensation payments directly from your city, you continue to receive service credit.
If you receive workers’ compensation payments directly from an insurer, you will not receive service credit unless your city
pays your TMRS contributions based on your workers’ compensation payment.
You should check with your city’s human resources department to determine how workers’ compensation contributions are
administered.
 
8 TMRS Member Benefits Guide - December 2023
Chapter 4: Retirement
Retirement Eligibility
To be retirement eligible and receive a lifetime monthly retirement benefit you must:
■ Have 20 years of TMRS service credit (some cities require 25), or
■ Have five years of TMRS service credit (some cities require 10) at age 60.
To confirm your retirement eligibility and run a retirement estimate, log in to your MyTMRS account or call the Member
Service Center.
If You Work for More than One TMRS City
If you work for more than one TMRS city, your time with all of them is combined to meet retirement eligibility.
If you work for cities that have dierent service credit requirements, you must meet the higher requirement. Call the
Member Service Center to confirm your retirement eligibility.
Calculating Your Retirement Benefit
Your monthly retirement benefit is based on:
■ Your retirement option
■ Your account balance
■ Your city’s matching funds and other credits
■ Your life expectancy
■ Your beneficiary’s life expectancy, if applicable
Retirement Benefit Options
TMRS oers three retirement benefit options.
Retiree Life Only
The Retiree Life Only option provides you with a monthly retirement benefit for life, but all payments cease the month
after you die. This option provides the largest monthly benefit.
Retiree Life and Survivor
The Retiree Life and Survivor option provides a lifetime monthly retirement benefit and a beneficiary with a lifetime
monthly benefit after your death. Your beneficiary’s monthly benefit will be equal to 50%, 75% or 100% of your
monthly benefit depending on which percentage you choose at retirement.
Retiree Life and Guaranteed Term
The Retiree Life and Guaranteed Term option provides a lifetime monthly retirement benefit and a beneficiary with a
monthly benefit if you die before the end of the guaranteed payment term. The payment term can be either 5, 10, or
15 years and begins when you retire.
Changing Your Retirement Benefit Option or Beneficiary After You Retire
Once you receive a monthly benefit payment, you cannot change your benefit option or beneficiary except as described
below.
TMRS Member Benefits Guide - December 2023 9
Retiree Life Only
You can only change your Retiree Life Only benefit option if you marry after you retire and name your new spouse as
beneficiary for a survivor benefit.
Retiree Life and Survivor
If you chose the Retiree Life and Survivor option and your prior beneficiary divorces or predeceases you, and you
marry again, you can change that benefit option and name your new spouse as beneficiary for a Survivor benefit.
Retiree Life and Guaranteed Term
You can only change your Retiree Life and Guaranteed Term benefit option if you marry after you retire and name your
new spouse as beneficiary for a survivor benefit.
For the Guaranteed Term benefit, you can change your beneficiary at any time.
If you want more information about changing your benefit option, contact the Member Service Center.
Marriage After Retirement
If you marry after retirement and wish to change your retirement option or beneficiary, you must do so before the first
anniversary of your marriage and can do so only one time.
If Your Beneficiary Dies
If your beneficiary dies, contact the Member Service Center. If you selected the Retiree Life Only and Survivor option when
you retired, you may be eligible for an increase in your monthly benefit payment.
Spousal Consent
If you are married when you apply to retire and you choose a retirement option other than Retiree Life and Survivor or name
a beneficiary other than your spouse, your spouse must consent.
Partial Lump Sum Distribution (PLSD)
When you retire, you can receive a partial lump sum distribution (PLSD) from your retirement account equal to 12, 24, or 36
times the Retiree Life Only monthly benefit. The PLSD can be paid to you or rolled over into a qualified retirement plan. A
PLSD will reduce your and any beneficiary’s monthly retirement benefit.
Cost of Living Adjustments (COLAs)
Your city may provide retirees and their beneficiaries with a cost-of-living adjustment (COLA) that increases your monthly
retirement benefit.
If your city provides a COLA, it is calculated by using the Consumer Price Index (CPI) to determine the rate of inflation since
you retired, or 12 months before the COLA’s eective date. A city’s COLA may either be 30%, 50% or 70% of the change in
the CPI.
COLAs are eective in January, and you must be retired for 13 months from a city that provides a COLA for you or your
beneficiary to receive it.
Return of Account Balance
If you die before your account balance is completely paid through monthly retirement benefits, your estate or your
beneficiary, or their estate, will receive the remaining balance.
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Account Balances of Less than $10,000
If your total contributions and interest, city matching funds, and any other credits are $10,000 or less when you retire, TMRS
must pay you that amount in a lump sum. You will not receive a monthly retirement benefit.
Retirement Benefit Statements
Retirees receive an annual Retirement Benefit Statement that includes their monthly retirement benefit amount, withholding,
and COLA, if any, for the coming year.
Returning to Work (RTW) After Retirement
If you return to work for a dierent TMRS participating city from which you retired, there is no impact to your TMRS monthly
benefit.
If you return to work for the same TMRS participating city from which you retired:
■ Within 12 months of retirement, your TMRS monthly benefit payments will be forfeited for as long as you work,
but you will earn a new TMRS retirement benefit while you work.
■ More than 12 months after your TMRS retirement date, you can continue to receive your TMRS monthly benefit
payments.
Social Security and Your TMRS Benefit
Receiving Social Security benefits does not aect your TMRS benefit. However, Social Security regulations are complex,
and you should call Social Security to determine what impact, if any, your TMRS benefit may have on your Social Security
benefit.
 
TMRS Member Benefits Guide - December 2023 11
Chapter 5: Applying for Retirement
How to Apply for Retirement
When you are ready to retire, go to tmrs.com, download the Retirement Checklist fact sheet under the “For Members” tab,
and check with your city’s human resources group for your city’s retirement requirements.
You must provide TMRS with all required documentation before your application can be processed. Your application cannot
be received by TMRS more than 90 days before your retirement date.
Before you meet with city sta to discuss your retirement, take these steps to familiarize yourself with your TMRS benefits:
■ Schedule a Counseling Session to Review Your Retirement Account. Call the TMRS Member Service Center at
800-924-8677 or go to tmrs.com and schedule a counseling session to review your retirement benefit options,
beneficiary designations, and retirement paperwork.
■ Run Retirement Benefit Estimates in MyTMRS. Estimate your monthly retirement benefit for dierent retirement
dates and select the best retirement date for you.
■ Choose the month you want to retire. Remember, you must terminate city employment by the end of that
month.
■ Complete Your TMRS Retirement Application and IRS Form W4-P. Complete the TMRS retirement application
and IRS Form W4-P tax withholding form, both of which are available on tmrs.com.
■ Certify Your TMRS Retirement Application. Your retirement application must be certified by a city representative.
■ Submit your retirement application. Your retirement application must be submitted by the last day of the month
you choose to retire. To ensure that your first benefit payment is not delayed, submit your paperwork as early as
possible.
Retirement Date
Your retirement date must be the last day of a calendar month when you end employment with all TMRS participating cities.
Benefit Payments
Retirement benefit payments are made on the last day of each month. Your first benefit payment will be paid the month
following your retirement date.
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Chapter 6: Disability Retirement
Applying for a Disability Retirement
If you become disabled and are no longer able to perform your job, and the disability is likely to be permanent, you may be
eligible to receive a disability retirement benefit.
To apply for a disability retirement benefit, you must complete TMRS’ disability application, which may be obtained from
your city, or by calling TMRS’ Member Service Center.
TMRS will determine if you meet the disability retirement requirements. You will need to be examined by a physician and
must include a physician’s statement with your application. You also need a statement from your city and a copy of your job
description.
Disability Benefit
If your disability retirement application is approved, you will receive a monthly retirement benefit that will be based on
your TMRS contributions and interest at the time of your application, your city’s matching funds, other credits, and your life
expectancy.
If you are approved for a disability retirement benefit, you may be required to provide evidence of continued your disability
annually until you reach age 60.
Other Earnings
Other income you earn while receiving a TMRS disability retirement benefit will not reduce your benefit amount.
TMRS Member Benefits Guide - December 2023 13
Chapter 7: Death Benefits
Designating Your Beneficiary
After your death, your beneficiary may to be able to receive a TMRS benefit.
Your beneficiary is the individual you select to receive your TMRS benefits when you die. If you do not designate a beneficiary,
your benefit payment will be paid to your estate.
You should immediately designate a beneficiary when you become a TMRS member, and you should review your beneficiaries
every year and after any major life event, such as marriage, divorce, or the birth of a child.
You can designate anyone as your beneficiary. However, if you are married and want to designate someone other than your
spouse after you vest, you will need your spouse’s consent to do so.
You can designate primary and alternate beneficiaries. Primary beneficiaries split any benefits due when you die. Alternate
beneficiaries only receive benefits if all primary beneficiaries predecease them. If any beneficiary dies, their designation
becomes invalid.
If you designate a minor as a beneficiary and do not designate a custodian, your benefit will be paid to the minor’s parent
or legal guardian.
After you vest, any beneficiary designation made before vesting is not valid. When you become vested, you must redesignate
your beneficiary even if you don’t change who they are. If you do not redesignate your beneficiary, your benefits will be
paid in this order:
■ To your spouse
■ To your children
■ To the last beneficiary you designated prior to becoming vested
If you have no spouse, no children, or haven’t designated a beneficiary, the benefit will be paid to your estate.
You can change your beneficiary at any time prior to retirement.
Beneficiary Payments
If you die before you vest, your beneficiary will receive your account balance. If you haven’t designated a beneficiary, your
account balance will be paid to your estate. Your account balance does not include any city matching funds.
If you die after you vest, your beneficiary can choose one of the following benefits:
■ A monthly benefit for life
■ A monthly benefit for 15 years
■ Your account balance
If your beneficiary chooses a monthly benefit, the city’s matching funds will be included.
If your spouse is your beneficiary, they may choose to delay receiving their lifetime benefit until you would have reached
age 60 and your account balance will continue to earn interest until that time. Your spouse must make this choice within
180 days from your date of death.
If you die after you retire, your beneficiary will be paid according to the benefit option you selected at retirement.
14 TMRS Member Benefits Guide - December 2023
Supplemental Death Benefits
Your city may provide a Supplemental Death Benefit (SDB) to its employees and retirees. If it does, your beneficiary will
receive one of the following benefits:
■ For employees: Your beneficiary will receive a payment equivalent to your annual salary
■ For retirees: Your beneficiary will receive a payment of $7,500
You can change your SDB beneficiary at any time.
 
TMRS Member Benefits Guide - December 2023 15
Chapter 8: Leaving City Employment
If You Are Not Vested
When you leave employment with all TMRS cities, you may leave your account balance with TMRS, refund your account
balance, or apply for retirement. Your options depend on your vested status and retirement eligibility.
If you are not vested, you can leave your account balance with TMRS, and your account will be credited with 5% interest
annually for up to five years. After five years, your TMRS membership will end, your TMRS account will no longer be credited
with interest, and you should refund your account balance.
You can also refund your account balance immediately after you leave city employment.
If You Are Vested
If you are vested, you can leave your account balance with TMRS, and your account will be credited with 5% interest
annually, or you can refund your account balance at any time. However, if you refund your account balance you will forfeit
your lifetime retirement benefit.
If you’re retirement eligible and decide to retire, your account balance will be matched by your city, and you will receive a
monthly retirement benefit for life and possibly the life of your beneficiaries.
If You Refund Your Account Balance
You do not need to refund your account balance when you leave city employment. If you do, your balance will not include
any city matching funds. And if you are vested, you will forfeit your lifetime retirement benefit.
Your refund application requires your city to certify when your last contribution will be deducted from your final pay and
that your employment has ended. Your refund will be cancelled if you return to work for a TMRS participating city before
it is paid to you.
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Chapter 9: Divorce
Divorce and Your Benefit
Divorce can have a significant impact on your TMRS benefit.
If you and your spouse agree not to divide your TMRS benefit, the divorce decree should specify this. If it does, and you
have retired, call the Member Service Center and ask how your TMRS benefit payments may increase.
If your TMRS benefit is divided in a divorce, keep the following in mind:
■ Texas law requires the court to issue a Qualified Domestic Relations Order (QDRO). TMRS also must approve
a QDRO, and TMRS can do so only if the QDRO meets legal requirements applicable to the TMRS plan. To
avoid unnecessary trips to court, we recommend that you use TMRS’ QDRO forms found in the Divorce Before
Retirement and Divorce After Retirement publications, as appropriate.
■ No benefit payment can be made to your former spouse until you end employment with all TMRS cities and
refund your account balance or retire.
■ Your former spouse will receive the portion of your benefit awarded to them by the QDRO.
■ If your former spouse dies before you either refund your account balance or retire from TMRS, they will not
receive any portion of your TMRS benefit and their interest in it terminates.
For additional information about how divorce can impact your TMRS benefits, please refer to TMRS’ publications Divorce
Before Retirement or Divorce After Retirement available on tmrs.com.
Because Texas divorce law is complicated, we recommend you discuss these options with legal counsel.
 
TMRS Member Benefits Guide - December 2023 17
Chapter 10: Taxes
Your Monthly Contributions
Federal tax law and Internal Revenue Service (IRS) rules are complex. TMRS cannot provide tax advice, so you should
consult a tax advisor for questions about taxes on your TMRS benefit.
Your TMRS contributions are not included in your taxable income.
If You Refund Your Account Balance
If you refund your account balance, it will be included in your taxable income.
Federal income tax law requires TMRS to withhold 20% unless it is rolled over to an eligible retirement plan listed under
“Rollovers” below.
If you terminate employment before age 55 and refund your account balance before age 59½, you may incur an additional
10% tax unless you qualify for an exception available to certain public safety employees.
When You Retire
When you retire, your TMRS retirement benefits will be included in your taxable income.
If you worked for TMRS city prior to January 1, 1984, a portion of your monthly benefit may not be taxable. This portion will
appear on your Form 1099-R as the “monthly exclusion amount.”
Partial Lump Sum Distributions
When you retire, you can receive a Partial Lump Sum Distribution (PLSD). If you do, it will be included in your taxable income.
Federal income tax law requires TMRS to withhold 20% unless it is rolled into an eligible retirement plan listed under
“Rollovers” below.
If you receive a PLSD before age 59½, but you terminated your TMRS city employment before age 55, you may incur an
additional 10% tax unless you qualify for an exception available to certain public safety employees.
Rollovers
You can defer taxes and avoid tax penalties if you rollover your refund or PLSD into an eligible retirement plan, including:
■ Governmental 457(b) plan
■ 403(b) plan
■ 401(a) plan (including 401(k) plans)
■ IRAs
■ Roth IRA (after 20% is deducted for federal income tax)
■ SIMPLE IRAs that you have participated in for two years
Special rules apply to rollovers to Roth IRAs, including additional income taxes and withholding requirements that may not
apply to other types of rollovers.
Supplemental Death Benefit (SDB)
A Supplemental Death Benefit is tax-free.
18 TMRS Member Benefits Guide - December 2023
IRS Form 1099-R
If you receive a TMRS benefit, you will receive IRS Form 1099-R annually that provides the amount of tax withheld by TMRS.
Retirees can access their Form 1099-R and change withholding elections on MyTMRS.
Special Tax Notice
For more information about the tax treatment of TMRS benefits, see the “Special Tax Notice Regarding Plan Payments” on
tmrs.com.
 
TMRS Member Benefits Guide - December 2023 19
Chapter 11: Member Resources
Fact Sheets. Fact Sheets provide a concise overview of TMRS benefits. You can find them on tmrs.com.
Individual Counseling Sessions. You can schedule online or in-person counseling sessions with a TMRS representative to
answer your questions about TMRS benefits.
Laws and Rules. Texas laws and rules that apply to TMRS are available on tmrs.com. TMRS publications like this Guide are
informal summaries of those laws and rules, which govern all TMRS benefits.
Member Account Statements. Members receive an annual statement that summarizes their service history, retirement
account balance, and provides retirement estimates.
Member and Retiree Newsletters. Twice a year, TMRS publishes TMRS Times for active members and RetirementWise for
retirees.
Member Service Center. Representatives can answer all your questions during normal business hours at 800-924-8677.
Mobile App. TMRS’ mobile app provides access to all TMRS information from the palm of your hand.
MyTMRS. Located on tmrs.com, you can use MyTMRS to run retirement estimates, designate your beneficiaries, access
your account information, and much more.
Retirement Benefit Statements. Retirees receive an annual retirement benefit statement that confirms their monthly
benefit amount, tax withholdings, and other information.
Retirement Estimates. You can run retirement estimates 24/7 on MyTMRS or by calling the Member Service Center.
TMRS.com. TMRS’ website is the best resource for information about TMRS and your benefits.
Webinars. TMRS hosts monthly Member webinars. Visit tmrs.com for details.
TMRS Member Benefits Guide - December 2023