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Tennessee Consolidated Retirement System (TCRS)

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Retirement...A New Beginning     TCRS Forms         FAQ's    

TCRS Report (TCRS Active News)     Retiree Advisor (TCRS Retiree News)    

TCRS Retirement Check List

Tennessee's state retirement system is a qualified retirement plan under Section 401(a) of the Internal Revenue Code. All full-time state employees are required to participate in the state's retirement system as a condition of employment. Certain part-time employees have the option of participating. Faculty and exempt and nonexempt employees of the University of Tennessee or the Tennessee Board of Regents may choose membership in Group I of the Tennessee Consolidated Retirement System (TCRS). (Refer to POLICY HR0375, RETIREMENT PLANS)

The Tennessee Consolidated Retirement System (TCRS) is a defined benefit pension plan that covers higher education employees who have elected to participate in the plan. This means that the amount of any future retirement benefits is determined by a benefit formula rather than an account balance.The TCRS provides retirement benefits as well as death and disability benefits to plan members and their beneficiaries. Benefits are determined by a formula using the member’s high five-year average salary and years of service. Members become eligible to retire at the age of 60 with five years of service or at any age with 30 years of service. A reduced retirement benefit is available to vested members with five years of service who become disabled and cannot engage in gainful employment. There is no service requirement for disability that is the result of an accident or injury occurring while the member was in the performance of duty.

Effective July 1, 1981, the retirement system became noncontributory for state employees, including employees of the University of Tennessee and the Tennessee Board of Regents.  Employees may not make any type of contributions (salary reduction, voluntary, before-tax, after-tax, etc.) to the Tennessee Consolidated Retirement System at any time. Higher education employees who wish to set aside supplemental retirement savings on a before-tax basis may make salary reduction contributions to a 403(b) plan or to the state's 401(k) plan or 457 plan.


TCRS Employee Self Service is now available. Great news! TCRS Member Self-Service (MSS) is now available! This new, online functionality will allow you to:

Update your TCRS contact information
View your entire TCRS account history
Retrieve your member annual statement
Maintain your TCRS beneficiary information

The attached flyer shows you how to register, retrieve your annual statement, and view/update your beneficiary information.
Your account history screen may reflect additional service in the fiscal year beginning July 1, 2014 for overtime or bonuses; we will be correcting any overstated service credit in the near future. Those employees who have previously refunded their contributions may have difficulty logging into MSS; we are working on a resolution.
For assistance with Member Self-Service, navigate to and access the Member Self-Service User Guide or demonstration video available under the Concord tab. You may also call 800-770-8277, option 8 with questions.
Higher Education employees, please note: ORP members are not TCRS participants and will not be able to register for a TCRS Member Self-Service account

TCRS Retiree Self-Service by Tennessee Consolidated Retirement System - Retiree Self-Service is live! Please click on the Retiree Self-Service link under Most Popular Links to register and login. Currently Self-Service is only available to retired members. Self-Service for active members will be available in the spring of 2014.

New TCRS Retirement Plans - for employees who began employment after 06/30/2014


AboUT You 


Campus/Institute Contacts:
Family Practice- Chatt. 
Health Science Center  
Knoxville Area    
UT Memorial Hospital

Deferred Compensation (401k, 457, 403b) Forms:
     Total Rewards/ Benefits & Retirement Office
     600 Henley St, #115
     Knoxville, TN  37996-4115

Insurance Forms:
     Insurance & Retirement
     P115 Andy Holt Tower
     1331 Circle Park
     Knoxville, TN  37996-0100

Retirement Forms:
     Total Rewards/ Benefits & Retirement Office
     600 Henley St, #115
     Knoxville, TN  37996-4115

Other Links:
Deferred Compensation (State site)
Deferred Compensation (Empower Retirement site)
Optional Retirement Program (ORP State site)
Tennessee Consolidated Retirement System (TCRS State site)
Office of Personnel Management- OPM (CSRS & FERS)