Applying for Service or Disability Retirement FAQ

▼   How do I get my retirement application started?
It is recommended to schedule an appointment at least 8 months in advance with a Human Resources benefits representative. During this appointment, you will receive a retirement benefit estimate and additional information that you will need to prepare for the completion of the Retirement Application Packet.


You will be required to provide at least a 30-day written notification to your supervisor as to your intent to retire. The Retirement Application Packet Part I should be completed and submitted to TRS not less than 30 days and not more than 90 days prior to the actual retirement date.  Please visit your Human Resources office at least 45 days prior to your retirement date to submit the Retirement Application Packet Part I. This way we can meet TRS’ deadlines.

TRS will provide the actual retirement benefit calculation upon receipt of the complete Retirement Application Packet Part I.

▼   How is my retirement benefit calculated?

Your retirement benefit is calculated based on a retirement formula. The factors used in calculating this benefit include:

  • Average Final Salary (Compensation)
  • Years and months of creditable service
  • Retirement benefit factor

Tier I (Member before 1/1/2013)

Average Final Salary   x   Years of Service   x   .0165 (Benefit Factor)   /   12   =   Max Monthly Benefit

The average of the highest three years (July – June) out of the last 10 years the member
made contributions. Partial years are included when calculating the average final salary if they benefit the member.

Tier II (Member on or after 1/1/2013)

Average Final Salary    x    Years of Service    x    .0165 (Benefit Factor)    /    12    =    Max Monthly Benefit

The average of the highest five years (July – June) out of the last 10 years the member made contributions. Partial years are included when calculating the average final salary if they benefit the member.

The total amount of creditable service includes membership service, prior service, and transfer service.

▼   Can I convert unused sick leave into service credit?

Tier I (Member before 1/1/2013) Employees may convert sick leave to service credit for retirement purposes. Conversion is based on a chart provided by TRS. Employees can only convert 1 sick day per month of service.

Tier II (Member on or after 1/1/2013) Employees cannot convert sick leave to service credit for retirement purposes.

▼   When will I receive my retirement check?

Retirement benefits are paid once per month on the last business day of every month.

▼   Are my retirement benefits taxable?

Yes, for Federal Income Tax. Your benefit is not subject to Alabama Income Tax.  If you move to another state, your benefit will be subject to that state’s tax laws.

▼   What is Disability Retirement?

If the career of a TRS member is cut short because of a permanent disability, the member may qualify for monthly disability benefits. To qualify, the member must meet all of the following conditions:

  1. The member must have 10 years of creditable service.
  2. The member must be in-service.
  3. The RSA Medical Board must determine the member to be permanently incapacitated from further performance of duty. The Medical Board bases its determination upon information provided by the member’s physician.

Monthly disability retirement benefits are calculated identically to those for service retirement. (Tier I (member before 1/1/2013) Additional credit for sick leave cannot be converted to service credit)

To apply for Disability Retirement please contact your Human Resources Office.