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TRS outlines disability, survivor benefits, health coverage and post‑retirement work rules

5784400 · September 12, 2025
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Summary

TRS explained eligibility for temporary disability benefits, how the 8%/1% contribution buckets fund retirement and survivor benefits, guidance on beneficiary designations, health insurance options (TRIP and TRAIL) and rules for returning to work after retirement.

TRS presenters summarized disability and survivor protections, health insurance options for retirees, and post‑retirement employment rules for members of the Teachers' Retirement System.

Disability: TRS’s disability benefit is available only to active members with at least three years of nonconcurrent service credit across TRS, state universities, SERS or IMRF. To qualify, two state‑licensed physicians must certify that the member cannot perform their job duties and must agree on a diagnosis (one physician suffices for pregnancy‑related bed‑rest cases). Temporary disability pays 40% of the contractual rate of pay while the member receives the benefit and TRS grants service credit for that period, TRS said.

Death and survivor benefits: TRS described how the member contribution is split: 8% goes to an 8% retirement bucket used to…

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