Retirement Plans

UT System Human Resources > Benefits > Retirement > Retirement Plans

Tennessee Consolidated Retirement System (TCRS)

TCRS is a “defined benefit” plan, which means the amount of retirement is determined by a formula rather than an account balance. Benefits are determined using the member’s highest five-year average salary and years of service.

Learn More about TCRS

Hybrid (TCRS-H/401-H) (For employees hired after July 1, 2014)
- Employer contribution is 8.94 percent of compensation
- Mandatory employee contribution is 5 percent of compensation

Legacy (TCRS) (For employees hired Before July 1, 2014)
- No mandatory employee contribution

Manage Your TCRS Account Online

TCRS has introduced a new online self-service feature, allowing members to:

Update contact information
View account history
Retrieve annual statements
Maintain beneficiary information

If you are among the 7,500 UT employees currently participating in the TCRS plan, you can access the new self-service feature by registering at http://treasury.tn.gov/tcrs/. A user guide and demonstration video are available to walk you through the process. Questions may be directed to 800-770-8277, option 8.

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Optional Retirement Program (ORP)

VISIT ORP WEBSITE

The ORP is a “defined contribution” retirement plan, which means the amount of retirement benefits will be determined by the member’s account balance. Annuity providers in the ORP are:

VOYA (Previously known as ING)
TIAA
VALIC

Learn More about ORP

Hybrid Plan (For employees hired after July 1, 2014)
- Employer contribution is 9 percent of compensation
- Mandatory employee contribution is 5 percent of compensation
- ORP Hybrid Plan Comparison Chart

Legacy Plan (For employees hired before July 1, 2014)
- Employer contribution is 10 percent of compensation up to the Social Security wage base and 11 percent of compensation above the Social Security wage base
- No mandatory employee contribution
- ORP Legacy Plan Comparison Chart

Manage Your ORP Account Online:

ORP Contact List

TIAA

TIAA Contacts
Speak with a Representative	800-842-2776
Automated Telephone Service	800-842-2252
Schedule an In-Office Appointment	800-732-8353

UT Contacts
East Tennessee	John Reeder	865-766-4025
Central Tennessee	Rich Levine
Central Tennessee	Andrew Hall	866-842-2336
West Tennessee	James Hogan (Memphis)	770-512-3508
West Tennessee	Grayson Pruitt (Memphis)	901-818-3199
West Tennessee	Dale Kelly (Memphis)	901-818-3197

VALIC

VALIC Contacts
Customer Care Center	800-448-2542 or 888-568-2542

UT Contacts
Knoxville Area	Andrew Craft	865-291-5130
Knoxville Area	Matt Prince	865-291-5131
Chattanooga and Tullahoma	Celeste Friend	423-227-0281
Martin	Justin Howell	731-668-9818 (phone), 731-664-7988 (fax)
Memphis	Scot Brothers	901-268-6345

VOYA (ING)

VOYA Contacts
Customer Service	800-525-4225

UT Contacts
Knoxville Area	William “Bill” Rutter (Primary)	865-599-0344 (phone), 865-966-9453 (fax)
Knoxville Area	Deborah Perry	423-747-1493 (phone), 423-735-0275 (fax)
Nashville	Julie Chambers	615-494-3659 (phone), 615-494-4627 (fax)
Chattanooga	Ed Stewart	615-627-5936 (phone), 615-244-7182 (fax)
Martin	Brad Little	731-668-9818 (phone), 731-664-7988 (fax)
Martin	Steve Little	731-668-9818 (phone), 731-664-7988 (fax)
Memphis	Calvin Reed	901-853-8421

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Closed Retirement Programs

Joint Contributory Retirement System (JCRS)

(Closed since 7/1/77)

If you were a member of TIAA-CREF (the only retirement plan available) on June 30, 1977, you are a member of the Joint Contributory Retirement System (JCRS). JCRS has been closed since July 1, 1977. JCRS provides a benefit from the Optional Retirement Plan (ORP) company with the possibility of a state component.

To determine if a participant will receive a state benefit, it will be necessary to perform the Tennessee Consolidated Retirement System formula, then apply a hypothetical offset to the state formula benefit. The formula benefit and offset are individually specific. To request an estimate of benefits, please contact 888-444-UTHR (8847) statewide or Knox area 865-946-UTHR (8847).