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Retirees & Pre-Retirees

Choosing to retire is a major step in your life.  Navigating insurance, Medicare, and retirement plans can be overwhelming at first, but know that the TXST Benefits team is here to help with your transition to retirement.  This site is designed to provide helpful guidelines, information, and resources about retiring from Texas State.

Your retiree benefits keep getting better! Explore the Retired Faculty and Staff Association to learn about the various resources and networking opportunities available to you as a retiree. Further, learn about the many special perks and privileges offered to you as a Texas State retiree.  

Important Notice: Changes to ORP/TDA Vendors

TSUS, in collaboration with CAPTRUST, selected TIAA as the lead recordkeeper & consolidated to 4 vendors (CoreBridge, Fidelity, TIAA, VOYA). American Funds, Lincoln Investment Planning, Inc, & Pentegra will no longer be offered. We are discouraging employees from enrolling in these plans as they'll have to move their funds out later. Current participants can contribute until 12/31/2024. No action is needed from individual participants at this time, but expect action items in the upcoming months.


Thinking about retiring? Find checklists, timelines, helpful hints from retirees, and more to help you as you prepare for your next phase in life.

Insurance Plans

Retirees who meet the criteria for full-retirement are eligible for health insurance and other benefits in retirement.

Returning to Work for a TRS or ERS employer after retirement?

Some employees choose to return to work after they retire. If you do, be aware of the rules!

  • Things to keep in mind

    • You must have a 30-day break in service before returning to work.  After that – there are no limits on how many hours you can work!

    • You must have at least a 30-day break in service before returning to work for a TRS employer (includes public higher education and school districts in Texas).  After 30 days, you can work up to 50% in a month without losing your TRS annuity payment.  If you work more than half-time, you will forfeit your TRS annuity payment for that month.  If you wait a full year (12 full consecutive calendar months) before returning to work for a TRS employer, you can work as much as you want – there are no limits on your hours.  

    • If you are a TRS or ORP retiree, there are no issues with returning to work for a state agency participating in ERS retirement or for private employment.  This means that you can go work for these employers and it will not impact your TRS benefits.  See the next question regarding your health insurance benefits if you return to work for the State of Texas.

    • Use this ERS guide to understand how your insurance is affected when you return to work for a state agency (including higher education) after retirement.