Retirement Eligibility for Retirees

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.

Click the link to start answering questions.

1. Type of Retirement
2. Were you hired as an employee before September 1, 2009?
3. Did you leave employment and withdraw your ERS retirement account balance?
4. Did you buy back your withdrawn service credit prior to September 1, 2009?
*Options will display below. Does not use personal account information.

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 =
80 or above
Minimum of 5 years of service credit

 

Age

60 or above

60 or above

 

Lifetime Payment

Yes

Yes

Yes 

 

Health Insurance*

No

Yes**

Yes
Minimum of 10 years of service credit

 

*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

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 =
80 or above
Minimum of 10 years of service credit

 

Age

60 or above

65 or above

 

Lifetime Payment

Yes

Yes

Yes 

 

Health Insurance*

No

Yes

Yes
Minimum of 10 years of service credit

 

*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 .

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
service credit

10 years of any
service credit

20 years of LECOS
service credit

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.

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
service credit

10 years of any
service credit

20 years of LECOS
service credit

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  
Minimum of 12 years Appellate Court service credit

 

Age

60 or above Must be holding office at retirement

60 or above  
Whether or not you currently hold office

Any

 

Lifetime Payment

Yes  
Payment will be reduced if you retire before age 65

Yes  
Payment will be reduced if you retire before age 65

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.