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Member Frequently Asked Questions

Due to increased requests to meet with a retirement counselor, KRS has put in place the following specific requirements in order to schedule an appointment:    

  • Members must be within one (1) year of retirement eligibility either by age or service or eligible to purchase service credit.
  • At the time your appointment is scheduled, you will be required to designate which retirement dates you wish to discuss during your appointment.  All requests will be prepared in advance of the scheduled appointment time.  Similarly, if you are eligible to make a purchase, valid verification, if required, must be on file prior to scheduling the appointment.
  • If you choose to come to KRS to complete your retirement paperwork,  our office must receive a valid "Form 6000, Notification of Retirement" and valid supporting documentation before an appointment will be scheduled.  For further information on filing a Form 6000 please click here:  Ready to Retire  

    For Calculation Requests:

    At this time, requests for retirement estimates will only be taken for members who are within two (2) years of retirement eligibility or for those who wish to make a service purchase.    For all others, we invite you to register for Member Self Service where you can calculate your own retirement estimates… and also take advantage of a variety of other features designed to help you manage your retirement account. 

    Please click here to get started: Member Self Service

You will need to call our office at 1-800-928-4646 and request a new PIN. You will be asked to provide your Social Security number or KRS Member ID and verify your mailing address. A new PIN will then be issued and mailed to your home address. Please be advised that counselors cannot take an address change by phone without your PIN.  

Please be advised that if you would like a duplicate 1099R mailed to your address on file, you will need to contact our office at the toll-free number listed below. However, you may access a copy of your 1099R at any time by logging into your account at If you have not already created an account, you will need to set up your own username and password and will need your PIN to validate any changes on your account.

In order to switch your direct deposit you will need to complete a Form 6130 - Authorization for Deposit of Retirement Payment, or make changes using the self service website. If you want to make the change by completing the 6130, you may print a copy, which is available on the KRS website, or have the form mailed or faxed to you.  Once completed, submit the form along with the required documentation. If you prefer, you can make the changes online via our self-service website, which is located at; no additional paperwork needs to be submitted to KRS.

Please be aware if you request a change to the account number or financial institution to which your next monthly payment is deposited, the change through self-service must be completed or a paper application must be received in the KRS office before the 20th of the month. If your change is made or received by KRS after the 20th of the month, your next monthly payment will be issued as a paper check, which will be mailed to your listed address; the requested change for the direct deposit to the new account will not be effective until the following month.

No. There are no provisions in State statutes or regulations that allow KRS to administer loans from member accounts.

If you do not qualify for retirement benefits based on age and service credit at the time of your termination of employment, you may apply for a refund of your account contributions and interest. You are eligible to receive a refund of only the contributions you paid in the system and the accumulated interest on those funds. Employer contributions are not co-mingled with the funds in member accounts and are not refunded to the employee. The application for a refund of an account must be received in our office prior to a person returning to work for an agency participating in the same retirement system. By refunding your account, you forfeit eligibility for any future benefits, including health insurance and death benefits, based on the wages, contributions, and service credit associated with the refund. Refunds can take between 6-8 weeks to process.

If you begin participation on or after January 1, 2014, you will be eligible for both employee and employer credits if you are vested and request a refund.  

If you need your account balance, you may login to and request that an account balance letter be emailed or mailed to you.   Another option is to call our office and request to speak with the first available Benefits Counselor.  If you have your Personal Identification Number (PIN) when you call, the counselor will be able to provide your balance information by phone and may fax the information to you, if necessary.  If you do not have or know your PIN, our office can mail your account balance to you or arrange to have it faxed.

Go to and click the "Register" button. You will enter your Social Security number, Date of Birth and Personal Identification Number (PIN) to register. Your PIN may be found on an annual statement issued prior to 2012. If you cannot locate your PIN, please contact our office to request a new PIN. After entering your PIN, you will create a User ID and password. Next you will select and answer a secret question. You will then be logged into your account.  

Retiring is a multi-step process which you initiate by completing and submitting the Form 6000, Notification of Retirement, along with a copy of your birth certificate and your beneficiary’s birth certificate, to this office. After approximately 10 business days from the date of receipt of the Form 6000, KRS mails an additional packet containing the forms necessary to start your retirement benefits, including the Form 6010, which is the form on which you will select one of the payment options for which you are eligible. All properly completed forms must be received by the end of the month prior to the month in which the first check can be issued.

Beginning with the 2013 Fiscal Year, Cost of Living Adjustments (COLAs) will be given to retirees only if the retirement system in which the retiree has service is funded over 100 percent, and giving the COLA will not reduce the funding level of that system under 100 percent.  Additionally, a COLA may be given if the General Assembly provides funding to pay for one.

Yes. There are more than 31 types of service an employee may purchase in order to increase service credit. Visit the Members section for a more detailed explanation.

If you begin participation on or after January 1, 2014, you are eligible to purchase only refunded or omitted service.

Several ways: Lump Sum Payment, Installment Purchase of Service (IPS), or a rollover/transfer from a qualified plan. See "Purchasing Credit and Service Types based on your Tier".

Yes. Effective July 15, 2010, pursuant to House Bill 289, KRS began accepting QDROs for division of marital property, child support, and alimony/maintenance. It is up to the courts to determine whether retirement benefits are marital property and how they are to be divided. KRS cannot offer legal advice. Therefore, members should consult with their own legal representative. 

Please refer to the Marital Status Change link for more information.

If you plan to return to employment in any capacity, you must first obtain a written opinion from KRS before starting work in order to avoid any negative consequences to your monthly retirement benefit. If you will be working for a participating employer, you and the potential employer should complete Form 6751 and submit to our office. If you plan to return to employment with a non-participating employer, you should submit a letter to our office stating the details of the employment. Please wait for approval from KRS before returning to work. Response time may vary depending on the volume of requests submitted.  

If you are accepting employment with a non-participating agency, you will need to write a letter to our Legal Division with the details of the reemployment. Because the agency does not participate, there is no form to complete. Please address your letter to the KRS Legal Division and include any details of the employment,  your Social Security number or KRS Member ID, and signature in the letter. Once reviewed, the Legal Division will send a response in writing. You may mail your letter to Kentucky Retirement Systems, 1260 Louisville Rd, Frankfort KY 40601 or fax your letter to 502-696-8822. If the agency participates in KRS, you need to submit a completed Form 6751, which you may obtain from our website.

No. A retiree cannot change payment options after the first day of the month in which the retiree receives his or her first retirement benefit.  

No, you cannot contribute more than the established contribution rate. However, you may be eligible to purchase service credit that could enhance your monthly benefit upon retirement. Please contact our office to discuss the service purchase options available.

You may call our office at 1-800-928-4646 to request a duplicate annual statement. Additionally, annual statements from 2012 forward are available on our self-service website,

To change your tax withholding, you may go to and change your federal tax withholding election at any time; however, you will need your Personal Identification Number (PIN) and you will need to create a username and password in order to request any changes. You will create your username and password on your own. Your PIN is a randomly assigned number that you have been previously issued from KRS. If you have misplaced your PIN, you will need to contact our office by phone and request a new PIN to be assigned and mailed to your address on file. Another option is to complete the Form 6017.  

KRS does not offer any life insurance policy to our retirees.  If you would like to have life insurance, you will need to obtain it individually.  KRS does offer a $5,000 Death Benefit to any member who retires with at least 48 months of service.  Please refer to the  Death Benefit link for more information.

Many retirees, when actively employed and paying into KRS, paid contributions with after-tax dollars. After-tax contributions were any regular employee contributions made prior to August 1982, or service purchases made with after-tax payroll deductions or via a check. When retired, these members have a portion of their monthly payments excluded from taxation, based on how much money they paid in with after-tax dollars. This excluded amount for the year is displayed in Box 5. If you add the amount in Box 5 with the amount in Box 2a (your taxable amount), you will have the total distribution for the year found in Box 1.

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