Kentucky Revised Statute 61.680 and Kentucky Administrative Regulation 1:020 provide for a reciprocal agreement between all state-administered retirement systems within Kentucky.
Members with more than one retirement plan administered by the Commonwealth of Kentucky may be allowed to combine service to determine eligibility for benefits, total service credit, and final compensation. This is often referred to as
reciprocity. Each system will pay a benefit based on the applicable retirement formula for the respective system on the amount of service in that system.
The six (6) state-administered retirement systems are:
If you have an account in more than one of the retirement systems, you should contact KRS to determine the benefits you may be entitled to receive upon retirement. In order to receive benefits from all the systems in which you have service, you must submit the required retirement forms to
EACH system at the time of retirement.
FOR EXAMPLE: John was employed with a local board of education in a classified position and accumulated 10 years of service in CERS. He is now employed with the same board of education as a teacher and has accumulated 17 years of service in TRS. John would be eligible to retire at any age with no restrictions in his retirement benefits from KRS because he has accumulated a combined total of 27 years of service. John would receive a retirement benefit from CERS based upon his 10 years of service and a separate benefit from TRS based upon his 17 years of service.
Retirement Benefits and Health Insurance
At the time of retirement or death, KRS determines eligibility for benefits and the level of medical coverage by considering the member's total service credit from all systems and the initial participation date with any state-administered retirement plan.
Additionally, for members who have a participation date prior to January 1, 2014, the highest final compensation is used to determine the amount of retirement benefits available to the member from each applicable benefit formula for the respective systems and separate checks are issued by each system independently.
To determine your retirement benefits at KRS only, log on to
Member Self Service. To determine your retirement benefits at TRS, visit the Teachers' Retirement System website at
Kentucky law does not provide for consolidation of the different retirement system accounts nor does it allow consolidation of the funds accumulated in the separate accounts.
IF YOU TAKE A REFUND OF YOUR TRS ACCOUNT, THIS MAY CHANGE YOUR PARTICIPATION DATE AND BENEFITS WITH KRS.
Filing for Retirement with Reciprocal Service
In order to receive retirement benefits from any state-administered retirement plans in which you have service, you must meet the retirement eligibility rules for each individual retirement plan. Once you have determined your retirement eligibility, you must complete and submit separate retirement applications to the respective retirement systems for the same retirement date.
IMPORTANT NOTE: TRS HAS DIFFERENT FILING DEADLINES THAN KRS. Visit
TRS' Reciprocity page for more information regarding TRS' process and procedures.
Whether you are filing for retirement online or by paper application, if you have service in one of the state-administered plans
NOT managed by KRS, you will need to indicate your outside service by checking the appropriate box or boxes in Section C on the
Form 6000, Notification of Retirement.