Retirement Eligibility for Active Employees
Your eligibility to retire with a State of Texas Retirement annuity and health benefits depends on how long you’ve worked for the state, your age, and when you were hired. See how your years of service, age and start date work together to make you eligible for ERS retirement and health insurance benefits.
Start by answering the questions below.
Click the link that applies to you:
Regular State Employee hired before 09/01/2009
This retirement information is based on current ERS laws and rules. If you have taken a withdrawal of your retirement account balance, you no longer have those years of service credit in your account. They will not count towards your years of service credit at retirement.
Service Credit |
5 years |
Minimum 10 years |
Rule of 80 Service Credit + Age = |
|
Age |
60 or above |
60 or above |
||
Lifetime Payment |
Yes |
Yes |
Yes |
|
Health Insurance* |
No |
Yes** |
Yes |
*Notice about Insurance - Health and other insurance benefits for employees and retirees are subject to change based on available State funding. The Texas Legislature determines the level of funding for such benefits and has no continuing obligation to provide those benefits beyond each fiscal year.
**Optional benefits available at retirement and health insurance available at age 65
Click the link that applies to you:
Regular State Employee hired before 09/01/2009
This retirement information is based on current ERS laws and rules. If you have taken a withdrawal of your retirement account balance, you no longer have those years of service credit in your account. They will not count towards your years of service credit at retirement.
Service Credit |
5 years |
Minimum 10 years |
Rule of 80 Service Credit + Age = |
|
Age |
60 or above |
65 or above |
||
Lifetime Payment |
Yes |
Yes |
Yes |
|
Health Insurance* |
No |
Yes |
Yes |
*Notice about Insurance
Health and other insurance benefits for employees and retirees are subject to change based on available State funding. The Texas Legislature determines the level of funding for such benefits and has no continuing obligation to provide those benefits beyond each fiscal year .
Click the link that applies to you:
LECOS hired before 09/01/2009
This retirement information is based on current ERS laws and rules. If you have taken a withdrawal of your retirement account balance, you no longer have those years of service credit in your account.
Service Credit |
5 years of any service credit |
10 years of LECOS |
10 years of any |
20 years of LECOS |
Age |
60 or above |
55 or above |
65 or above |
any age |
Lifetime Payment |
Yes |
Yes |
Yes |
Yes Payment will be reduced If you retire before age 50. Reduction is based on your age at retirement. |
LECOS Supplement Benefit |
No |
No |
No |
Yes Payment will be reduced If you retire before age 50. Reduction is based on your age at retirement. |
Health Insurance* |
No |
Yes |
Yes |
Yes |
*Notice about Insurance
Health and other insurance benefits for employees and retirees are subject to change based on available State funding. The Texas Legislature determines the level of funding for such benefits and has no continuing obligation to provide those benefits beyond each fiscal year.
Click the link that applies to you:
LECOS hired before 09/01/2009
This retirement information is based on current ERS laws and rules. If you have taken a withdrawal of your retirement account balance, you no longer have those years of service credit in your account.
Service Credit |
5 years of any service credit |
10 years of LECOS |
10 years of any |
20 years of LECOS |
Age |
60 or above |
55 or above |
65 or above |
any age |
Lifetime Payment |
Yes |
Yes |
Yes |
Yes Payment will be reduced If you retire before age 50. Reduction is based on your age at retirement. |
LECOS Supplement Benefit |
No |
No |
No |
Yes Payment will be reduced If you retire before age 50. Reduction is based on your age at retirement. |
Health Insurance* |
No |
Yes |
Yes |
Yes |
*Notice about Insurance
Health and other insurance benefits for employees and retirees are subject to change based on available State funding. The Texas Legislature determines the level of funding for such benefits and has no continuing obligation to provide those benefits beyond each fiscal year.
Elected State Official (ESO)
This retirement information is based on current ERS laws and rules. If you have taken a withdrawal of your retirement account balance, you no longer have those years of service credit in your account. They will not count towards your years of service credit at retirement.
Service Credit |
8 years of ESO service credit |
12 years of ESO service credit |
Age |
60 or above |
50 or above |
Lifetime Payment |
Yes |
Yes |
Health Insurance* |
Yes |
Yes |
*Notice about Insurance
Health and other insurance benefits for employees and retirees are subject to change based on available State funding. The Texas Legislature determines the level of funding for such benefits and has no continuing obligation to provide those benefits beyond each fiscal year.
Judicial Retirement System (JRS), Plan I or Plan II
This retirement information is based on current ERS laws and rules. If you have taken a withdrawal of your retirement account balance, you no longer have those years of service credit in your account. They will not count towards your years of service credit at retirement.
Service Credit |
10 years of JRS service credit |
12 years of JRS service credit |
20 years of JRS service credit |
Rule of 70 Service Credit + Age = 70 or above |
|
Age |
60 or above Must be holding office at retirement |
60 or above |
Any |
||
Lifetime Payment |
Yes |
Yes |
Yes |
Yes |
|
Health Insurance* |
Yes |
Yes |
Yes |
Yes |
*Notice about Insurance
Health and other insurance benefits for employees and retirees are subject to change based on available State funding. The Texas Legislature determines the level of funding for such benefits and has no continuing obligation to provide those benefits beyond each fiscal year.