TRF Member Handbook: Working after Retirement

You may get a job in a TRF- or PERF-covered position after you retire. This job may be with your previous employer.

However, you must be separated from your previous employer for 30 days after you retire and you cannot have an agreement, written or oral, to come back to work after 30 days.

If you acquire a job after retirement after meeting the 30-day requirement, there will not be any limits on how much money you can make. You will also still receive your monthly retirement benefit. No more money will be placed in your DC and you will not be earning any more service credit. Your new job will not increase your retirement benefit.

30-Day Requirement

The 30 days away from employment starts on your last day of work. If you are a teacher, it would be your last day in the classroom.

When you retire, your retirement date will be the first day of the month. Once you decide your last day of work, then your retirement date will be the first day of the next month. This official “Retirement Date” is not the day used for the 30 days. Again, we look at your last day at work.


You stop teaching on May 18. Your “retirement date” is June 1. You may acquire a job with your employer or another TRF- or PERF-covered position on June 18.

If you go back to work before 30 days or make an agreement to do so, your retirement becomes void. That means you will no longer receive a monthly retirement benefit and will also have to pay back any money you received from INPRS.

You will continue to earn service credit for when you do retire.

Benefit Overpayment or Underpayment

We do our very best to ensure we correctly determine your monthly retirement benefit.  If we discover an error has been made, for whatever reason, we reserve the right to correct the error. This means if we did not pay you enough money (underpayment) you will receive a lump sum payment from us. If we overpaid, you will have to pay that money back to INPRS.

Age 70 Benefits (“Millie Morgan”)

If you are 70, you can start receiving your retirement benefit while still working in your TRF-covered position. You must also have at least 20 years of service. Please note that this election cannot be changed. If you choose to start getting your retirement benefit while still working, you will not earn any more service credit toward retirement. You can still put money into your DC. If you choose this option, you cannot withdraw the additional DC contributions made after retirement until you end service.

TRF Member Handbook: Death of a Member