MASS TEACHERS RETIREMENT
We help educators understand when they can retire, how to prepare for it.

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MASS TEACHERS RETIREMENT BENEFITS
Mass Teachers’ Retirement System (MTRS)
Mass teachers MTRS
  • Learn how benefits are calculated. Contact us to discuss details.
  • Membership | Survivor Benefits | Contributions | Vesting
  • Payment Plans | Service Retirement | COLA | Early Retirement
Retirement Plus & Vesting
Mass Teachers Retirement Plus
  • Learn non retirement plus percentages based on contract dates.
  • Retirement Plus Participants 11% | 10 Years of Services Vested
  • Retain Membership for Life | Lose if Contributions Withdrawn
Defined Benefit & Salary Average
Mass Teachers defined benefit
  • Learn about Benefit Formula calculated by years of service.
  • Factors: Salary, Creditable Service & Age | Max 80%
  • Before 4-2-12 = highest 3 consecutive yrs average annual salary
  • Post 4-2-12 = highest 5 consecutive years average annual salary
Service Retirement Qualification
Mass teachers service retirement
  • What age you can you retire & how much your pension will be.
  • Prior 4-2-12 any 20 Years of Service | or Age 55 w/10 years Service
  • After 4-2-12 must be age 60 with at least 10 years of service
  • Prior to 1-1-78, not Retirement Plus, contact MTRS.