Thank you for visiting the website of the Massachusetts Teachers’ Retirement System (MTRS). We hope that the MTRS has made your dealings with your state government easier and more efficient.

Legal disclaimer

This website is intended for use by teachers and administrators who are members of the Massachusetts Teachers’ Retirement System and the system’s other constituents. The text is in simple language and is meant to provide basic information and answers to the most frequently asked questions about the MTRS, its benefits, services and administration.

The information contained in this website is not intended as a substitute for the Massachusetts General Laws nor will its interpretation prevail should a conflict arise between its contents and M.G.L. c. 32. Rules governing retirement benefits are subject to change periodically either by statute of the Massachusetts Legislature or by regulation of the Massachusetts Teachers’ Retirement Board. If you have any questions about any of this material, please contact our office or seek advice from a professional in the appropriate field.

If you have any comments—pro or con—or suggestions on how we can improve our site, please contact the webmaster at

Accessibility statement

The MTRS is committed to achieving meaningful accessibility to our website for all users, including users with disabilities. We follow specific Commonwealth enterprise standards designed to meet the needs of our visitors with disabilities. The Commonwealth enterprise standards are generally based on standards used by the federal government for technology accessibility for people with disabilities, as well as web content accessibility guidelines developed by the World Wide Web Consortium (W3C).

About portable document format (PDF)

Some documents on this website are produced in Portable Document Format (PDF). Efforts are made to ensure that all files are produced using the latest version of Acrobat (file conversion software for PDFs), which is the most accessible technology currently available for these types of files. In order to improve viewing of these files, please download the latest free version of Adobe Reader.

However, recognizing that even this version does not always work for all users, alternative accessible formats are provided wherever possible, most commonly through a text or an HTML file.

Contact information

If any file format prevents you from accessing the information, please contact us for assistance, at 617-679-6877 or . In order to respond in a manner most helpful to you, please note the nature of your accessibility concern, the format in which you prefer to receive the material, the webpage address of the requested material, and the best way to contact you.

Privacy policy

A note from the MTRS

Your privacy is very important to us and we will protect it to the maximum extent allowed by law. You should know, however, that information you send us via the Internet is not entirely secure; additionally, like other information you may provide us in a letter or a form, information you send us online may be provided to a member of the public in response to a public records request. Please be assured that we use the information you provide us via your visits to our site, email and online forms solely to serve you and to conduct MTRS business; we do not sell any mailing lists or other member information to anyone or any other agencies.

This website is intended for teachers and administrators who are members of the Massachusetts Teachers’ Retirement System and the system’s other constituents. In an effort to better serve you, our members, we offer you the opportunity to communicate with us through email and apply or register for various programs using online forms. Your privacy is important to us. However, because some of the information that we receive through this website is subject to the Public Records Law, Massachusetts General Laws Chapter 66, Section 10, as well as regulations of the Public Employee Retirement Administration Commission (PERAC), 840 CMR 6.00, we cannot ensure absolute privacy. Accordingly, part or all of the information you send us may be provided to a member of the public in response to a public records request. This policy is meant to inform you of the information that we collect from you at this site, what we do with it, and to whom it may be disseminated and under what circumstances. Based on this information, you can make an informed choice about your use of this site, specifically about whether to share personally identifiable information with us through this site.

Information voluntarily provided by you

This site collects voluntary information from you through the emails that you send through this site, as well as through email forms. The information sent by you to this site will contain personally identifiable information.

Information automatically collected and stored by this site

This site uses “cookies” and collects your Internet Protocol (“IP”); this address does not identify you as an individual. We use your IP address simply to assess the frequency of visits to this site and the popularity of its various pages and functions for statistical purposes only. We will not attempt to match any personally identifiable information that you provide to us with your IP address, unless there are reasonable grounds to believe that doing so would provide information that is relevant and material to a criminal investigation.

Additionally, our online forms automatically collect the IP address of the user submitting data. Again, we do not use this IP address information unless it may be relevant and material to a criminal investigation.


  • Google Analytics: We use Google Analytics™ to collect information about the usage of our website (for example, how often users visit, what pages they visit and when, and what site referred them.) For additional information, see Google’s privacy policy ( and terms of use (
  • YouTube: To mitigate costs for video hosting and streaming, the MTRS publishes all video content to its YouTube channel and embeds the videos on its website. The MTRS is responsible solely for the content uploaded to its official YouTube channel, and not for any related videos published by other users, nor for any advertising or other content contained on YouTube. As our videos are hosted by YouTube, they are governed by YouTube’s separate website policies, including its Privacy Policy and Terms of Service.
  • Online forms (Formstack): Online forms may be provided by a third party service, Formstack. When you use this service, your form submission is securely made to Formstack and stored there. Form submissions are then transmitted to state government staff. State government staff will delete form submissions from Formstack when there is no longer any administrative need to retain them there. Formstack only uses your form submissions for internal purposes and the data is considered private. Formstack will not distribute or sell your information to a third party unless required by law or a valid government request. Formstack may also share information if it is acquired by or merged with another company. Please see the Formstack privacy policy at


Your access and opportunity to correct

You have certain rights to get information about you that is in our records. To learn more about this, please visit web pages regarding the Public Records Law and the Fair Information Practices Act. Also, please see regulation 840 CMR 6.07 of the Public Employee Retirement Administration Commission’s (PERAC).


The MTRS cannot guarantee or ensure the privacy, confidentiality and/or security of any email submitted via this website. Because this site does not encrypt incoming email, please do not include information that you consider highly confidential in your messages.

However, we do use standard security measures to ensure that your personally identifiable information is not lost, misused, or altered. For your protection, software programs are used regularly to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage. Except for authorized law enforcement investigations, no attempts are made to identify individual users or their usage habits.

If you do wish to inquire about a matter that requires the inclusion of personal or confidential information, or feel uncomfortable submitting information to us over the Internet, please call us at 617-679-6877, email us at or submit your question or application to us via U.S mail.

Special protections against misuse of personally identifiable information within Commonwealth offices

Executive Order 504 issued in 2008, which enhanced the privacy protection given to any information about you as a named individual held by the Executive Department of state government. Executive Order 504 limits the collection and dissemination of personally identifiable information within the Executive Department and requires Executive Department agencies to greatly enhance the security and integrity of such data. This website complies with Executive Order 504, so all of the personally identifiable information that you submit to is given the privacy protections set forth in Executive Order 504.

More information

For questions about your privacy while using this website, please contact James O’Leary, MTRS General Counsel, at

Terms of use

Users agree to these terms

This document contains terms of use for MTRS’s website. By using the MTRS website you agree to these terms and conditions. Please note that individual state agencies or other Commonwealth entities may adopt additional terms of use that apply to specific web-based transactions with those agencies or data posted on their websites. In addition, you should also review the MTRS privacy policy to learn about information collected by MTRS, what that information is used for, and how it may be shared.

Other sites have other policies

For your convenience, MTRS’s website contains hypertext or other links to external Internet sites that are not provided or maintained by the Commonwealth. Please note that the Commonwealth cannot guarantee the accuracy, relevance, timeliness, or completeness of these external sites. In addition, the inclusion of links to non-governmental sites is not intended to endorse any views expressed, or products or services offered, on these sites, or the organizations sponsoring the sites.

Public record and copyright

All of the material posted on the Commonwealth’s websites and accessible to the public without use of an authenticating and authorizing mechanism (such as a “PIN” or password) is public record. Most of the public record posted on Commonwealth websites can be copied and used for any purpose. For example, all judicial opinions and all laws and regulations are public record. However, some of the public record posted on the Commonwealth’s websites is also copyrighted material (for example, regulations based on technical codes developed and copyrighted by private organizations).

With respect to material copyrighted by the Commonwealth, including the design, layout, and other features of the MTRS’s website, the Commonwealth forbids any copying or use other than “fair use” under the Copyright Act. “Fair use” includes activities such as criticism, comment, news reporting, teaching, research, and other related activities. In addition, please be advised that MTRS makes use of materials (including, but not limited to, photographs) copyrighted by third parties, which also cannot be copied or used for use other than “fair use” without permission of the copyright owner.

If you want to make use other than “fair use” of any copyrighted information on this website, you must seek permission directly from the copyright owner.

The Commonwealth of Massachusetts’ Executive Offices respect the intellectual property of others, and we ask users of our websites to do the same. In accordance with the Digital Millennium Copyright Act (DMCA) and other applicable law, we have adopted a policy of terminating, in appropriate circumstances and at our sole discretion, users, subscribers, or account holders who are deemed to be repeat infringers. We may also at our sole discretion limit access to our website and/or terminate the accounts of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement. If you believe that any material on this website infringes upon any copyright which you own or control, or that any link on this website directs users to another website that contains material that infringes upon any copyright which you own or control, you may file a notification of such infringement with our Designated Agent, James O’Leary, General Counsel,

No warranty, endorsement or liability

The Commonwealth makes no warranty that the materials contained within MTRS’s website are free from copyright claims, or other restrictions or limitations on free use or display. The Commonwealth disclaims any liability for the improper or incorrect use of information obtained from MTRS. The content published on this website is subordinate to, and is not to be interpreted as an amendment to or waiver of, the Federal and State laws, regulations and policies applicable to the matters addressed in the site’s content.


We use the term “personally identifiable information” to mean any information that could reasonably be used to identify you, including your name, address, email address, birth date, or any combination of information that could be used to identify you.

Cookies are files that a website can place on your computer. A cookie file contains unique information that a website can use to track such things as your password, lists of web pages you have visited, and the date when you last looked at a specific web page, or to identify your session at a particular website. A cookie file allows the website to recognize you as you click through pages on the site and when you later revisit the site. A website can use cookies to “remember” your preferences, and to record your browsing behavior on the web. Although you can prevent website from placing cookies on your computer by using your browser’s preference menu, disabling cookies may affect your ability to view or interact with some website.

An “Internet Protocol Address” or “IP Address” is a series of numbers that identifies each computer and machine connected to the Internet. An IP address enables a server on a computer network to send you the file that you have requested on the Internet. The IP address disclosed to us may identify the computer from which you are accessing the Internet, or a server owned by your Internet Service Provider. Because it is machine-specific, rather than person-specific, an IP address is not, in and of itself, personally identifiable information.

An email form is a type of HTML form that transfers the data entered using standard email. Therefore, any information submitted using this type of application is not entirely secure. If you are uncomfortable submitting information over the Internet using this type of application, we encourage you to complete a paper copy of the form and send it to the MTRS by regular U.S. mail.

MTRS online agreement terms and conditions

Before the Massachusetts Teachers’ Retirement System (hereinafter “MTRS,” “We,” or “Us”) will provide services found at (the “Web site”) or by other electronic means, including, but not limited to, email or other messaging service (collectively, “Electronic Access”), you must read and accept the terms of “The MTRS online agreement terms and conditions” (hereinafter “Agreement”). If you choose not to accept these terms, you will not be granted access to use the Web site. The Web site is provided by MTRS as a convenience to its members and beneficiaries; however this Agreement creates no obligation on the part of MTRS to provide access to the Web site.

This Agreement specifically governs the Electronic Access to your MTRS information and contains your rights and responsibilities, and the terms and conditions under which this service is provided. Please read this Agreement carefully and retain it for your records. Once you have been granted access, you will have access to a single account structure (which may consist of a Member account, a Survivor account, or both). You understand that only one set of credentials per account structure will be issued, that those credentials should only be used by you, and that you are solely responsible for the privacy and protection of those credentials. You acknowledge receipt of this Agreement and agree to be bound by all terms and conditions contained herein, and all applicable terms and conditions contained in any other agreements with you governing your relationship with MTRS. You further agree that any actions taken by others using your credentials are considered to be actions taken by you.

The terms and conditions of this Agreement are in addition to the terms and conditions of any and all other agreements, including all such disclosures made pursuant to such agreements you have with MTRS. To the extent that this Agreement and another agreement contain conflicting provisions relating to Electronic Access, the provisions in this Agreement will control, but all other contractual obligations of the parties remain subject to the terms and conditions of any other agreement.

1. Electronic communication disclosures

1.1 Services covered
This Agreement governs Electronic Access to the Web site and to any additional online or other electronic service(s), including, but not limited to, online statements, notifications, email or other information MTRS currently makes or in the future may make available via Electronic Access and which you currently or in the future may access or otherwise use.

1.2 Electronic signature
By selecting “I Accept” at the end of this document you are signing this Agreement electronically and you agree that doing so is the legal equivalent of you manually signing this Agreement and that you will be legally bound by its terms and conditions. You further agree that your use of a key pad, mouse or other device to select the “I Accept” button constitutes your signature, acceptance, and agreement as if actually signed by you in writing. You also agree that no certification authority or other third party verification is necessary to validate your Electronic Signature and that the lack of such certification or third-party verification will not in any way affect the enforceability of your Electronic Signature or any resulting contract between you and MTRS. You also represent that you are authorized to enter into this Agreement and that you will be bound by the terms of this Agreement.

1.3 Consent to electronic delivery
You specifically agree to receive and/or obtain certain “Member Communications” via Electronic Access. The term “Member Communications” includes, but is not limited to, any and all current and future notices and/or disclosures that various federal and/or state laws or regulations require that we provide to you, as well as such other documents, data, records, and any other communications regarding your accounts or relationship with MTRS that MTRS elects to provide via Electronic Access. You accept as reasonable and proper notice, for the purpose of any and all laws, rules, and regulations, Member Communications via Electronic Access and agree that such electronic form fully satisfies any requirement that such communications be provided to you in writing or in a form that you may keep.

You acknowledge that, for your records, you are able to use Electronic Access to retain a record by printing and/or downloading and saving the following: (i) this Agreement; (ii) all Member Communications; and (iii) any other agreements, documents, or records that you sign using your Electronic Signature.

1.4 Contact information, notification and updates
Although MTRS will endeavor to notify members, either electronically or by other means, of important events, it is your responsibility to use the Web site regularly, to read your email and regular mail, to read our Advisors, notices, and other publications that we may send you or make available to you, to check for updates, and to keep MTRS informed of any changes in your mailing address and your email address to ensure that you continue to receive communications. Regardless of whether MTRS is able to deliver an email notification to you, you agree that the information will be deemed transmitted and received as soon as MTRS makes the information available to you through the Web site.

2. Your access and credentials

2.1 Issuance of credentials
As part of the process to create your credentials, you are required to select a username and password, and to select and answer a number of challenge questions. You are responsible for the proper safekeeping of your information.

2.2 Confidentiality of your password
The password you select must comply with MTRS security standards. Your password is confidential and should NOT be disclosed to others or recorded on documentation or records located on or around your personal computer. You are responsible for the proper safekeeping of your password. You agree not to disclose or otherwise make your password available to anyone, even close family members. Anyone authorized to use your password, shall continue to have authority until you specifically revoke such authority by changing the password.

If you fail to maintain security of your password, we reserve the right to terminate the Web sites to you under this Agreement. Users of the Web site should utilize such other security precautions as may be appropriate under any particular set of circumstances to ensure proper security over system access and access to information. The Web site provides the capability for you to change your password.

2.3 Your responsibility and liability for unauthorized access
You are responsible for all activity using the Web site. If you permit other persons to use the Web site with your credentials, you are responsible for any activity they authorize from your access. Notify MTRS immediately if you believe that your password has been lost or stolen or that someone has used it or may use it to access the Web site without your permission.

3. Website general terms and conditions; disclaimer

3.1 System unavailability
Access to the Web site may be unavailable at times for the following reasons: (1) Scheduled Maintenance – there will be necessary periods when systems require maintenance or upgrades; (2) Unscheduled Maintenance – the Web site may be unavailable when unforeseen maintenance is necessary; (3) System Outages – major unforeseen events, such as, but not limited to, earthquakes, fires, floods, computer failures, interruptions in telephone service, or electrical outages, may cause system unavailability; (4) Internet Service Provider – failure by or unavailability of an Internet Service Provider. We will make all reasonable efforts to ensure the availability of the Web site; however, we are in no way liable for system unavailability or any consequential damages that may result.

3.2 Changes in terms and conditions; time period
We may change or amend any part of this Agreement at any time. We may require you to accept the Agreement, with or without changes, annually.

3.3 Other limitations of liability
You are solely responsible for the selection, installation, maintenance and operation of your personal computer, internet access and software. We expressly disclaim any and all liability as it relates to the improper use of your personal computer, internet access and the transmission of data except as provided by statute. We are not responsible for any errors or failures due to any malfunction of your personal computer, internet service or the software, or unsuitability of your personal computer or software, or any virus, or any problems that may be associated with the use of your computer and/or the internet.

3.4 Termination of access
You may terminate your access to the Web site at any time by simply discontinuing the use of the service. We, at our sole discretion, may terminate your access to the Web site at any time.

3.5 License permission and use restrictions
The Web site is intended for use by members of MTRS (“you”) as an information resource for MTRS (“we”). You are granted a nonexclusive, revocable license to copy or print one unaltered permanent copy of site materials for your personal use – noncommercial use only. No permission is given to print (other than the nonexclusive, revocable license for one copy of site materials for personal use), copy, reproduce, distribute, publicly display, perform, publish, transmit, upload, download, store, license, create derivative works from, alter, or modify materials, transfer, or sell anything obtained from the Web site. You agree that you will not use (or allow others to use) the Web site or any information contained on it for any wrongful, unauthorized, or unlawful purposes. You also agree to indemnify and hold us and our affiliates harmless from and against any loss, damage, or expense incurred because of any such use.

3.6 Disclaimer of warranties
Information available on the Web site is produced by us or is acquired from third-party sources believed by us to be accurate and reliable. The information and materials contained as part of this Web site are provided on an “as is” and “as available” basis, without any warranties whatsoever about the nature or content (either when posted or as a result of the passage of time) of any material at this Web site, and without any representations or guarantees. All express and implied warranties are expressly excluded and disclaimed, including, but not limited to, any implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. MTRS does not warrant the accuracy, adequacy, or completeness of this information and materials, and it expressly disclaims liability for errors or omissions in this information and materials. In addition, MTRS makes no representations, warranties or guarantees that this Web site will be secure, accessible continuously, and without interruption or error free. To the extent that you might otherwise believe that any warranties, guarantees, or representations have been made to you, you hereby agree that such statements, whether made orally or in writing, are to be construed as merely non-binding expressions of policy rather than affirmative representations, obligations, guarantees, or warranties. In the event of any conflict between this section and other terms and provisions of this agreement, this section shall be construed to take precedence.

3.7 Limitation of liability
In order to provide you with this service, MTRS is unable to accept liability for any conduct, acts, or omissions at this Web site or any losses you may incur. In no event shall MTRS be liable for any damages (including without limitation any direct, indirect, special, incidental, or consequential damages), losses or expenses that arise in connection with the Web site, the use of the Web site, or the inability of anyone to use the Web site, or for any claims by any third parties. MTRS shall also not be liable for any damages, losses, or expenses that arise in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, or computer or system failure. MTRS shall not be liable for such damages, losses, or expenses even though it or its representatives are advised of the possibility of such damages, losses or expenses.

3.8 Violations/indemnification
Your access privileges are conditioned on your adherence to the terms discussed here. You agree that MTRS may, in its sole discretion, deny you access to the Web site. You further agree, at your own expense, to defend and indemnify MTRS and hold MTRS harmless against all claims arising in any manner whatsoever which may be asserted against MTRS, and all losses arising on any manner whatsoever and incurred as a result of any violations of this agreement by you. MTRS reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and such assumption will not relieve you of your indemnity obligations. If asked to do so, you agree that you will not attempt to access this Web site.

3.9 Hyperlinks
MTRS provides hyperlinks to external sites as a convenience to you and has no control over the content posted at these Web sites, nor does MTRS make any representation as to the content of these Web sites. Hyperlinks to other internet resources are to be used by you at your own risk. The content, accuracy, opinions expressed and other links provided by these resources may not be investigated, verified, or monitored by MTRS, and such links are not endorsed by MTRS unless otherwise specifically stated. If you believe that MTRS has provided a hyperlink to a site that contains infringing or illegal content or which makes available cracker tools or other circumvention devices, we ask you to notify MTRS so that we may evaluate whether (in MTRS sole discretion) to disable it.

3.10 Services
The services that are offered are offered as a convenience through the Web site, and can be amended in whole or in part or terminated at any time. Users of the Web site shall have no right to expect the continuation of any part of the Web site or any services that are offered through the Web site.

3.11 Required information
All information submitted to you via this Web site may be used by us in any manner that complies with applicable laws and regulations, and the policies of MTRS. You should be aware that to successfully retire and secure all your rights, coordination with other parties, such as your employer, the Group Insurance Commission, the Internal Revenue Service, Social Security, Medicare, Medicaid, or your health plan may be necessary, and that MTRS is authorized to collect and use the information requested within this Web site by Massachusetts General Laws chapter 32. Your information collected will only be used for the purposes allowed by M.G.L. c. 32, the MTRS’s regulations at 807 CMR 1.00 et seq., regulations of the Public Employee Retirement Administration Commission at 840 CMR 1.00 et seq., and other applicable laws and regulations.

Failure to provide any requested and mandatory information will affect your ability to access and update your MTRS information or access specific MTRS web based service offerings. You have the right to review the file maintained on you by MTRS upon proper identification. To do so you may contact the Director of Member Services at 617-679-6877.

3.12 Limited license
Original material which MTRS posts on this Web site is protected by intellectual property laws. You are hereby granted a non-exclusive license to use this Web site. You are also granted a limited license to print a copy of content posted at this Web site, but only for your personal use. Except as expressly provided herein all rights are reserved. Among other things, except to the extent required for the limited purpose of reviewing material on the Web site, electronic reproduction, adaptation, distribution, performance, or display is prohibited. Commercial use of any of the content of this Web site is strictly prohibited. You may not display this Web site in frames (or any of the content via links) without MTRS express written permission.

3.13 Copyright
MTRS owns the copyright to the pages and the screens displaying the pages that appear on the Web site.

3.14 Trademarks and servicemarks
MTRS owns any trademark and service mark rights in marks contained in the Web site pages.

3.15 Unsolicited email, spamming and spoofing
You may not use this Web site to transmit unsolicited email. You may not send unsolicited email to this Web site or to anyone whose email address includes the domain name used on this Web site. You may not use MTRS domain name as a pseudonymous return email address for any communications which you transmit from another location or through another service. You may not pretend to be someone else or spoof another’s identity when using this Web site.

3.16 No waiver
No waiver of any of the foregoing terms and conditions shall be effective unless it is in writing and signed by an authorized officer of MTRS, and no waiver shall be deemed to imply or constitute a continuing waiver or a waiver of any other term or condition.

3.17 Jurisdiction and governing law
You will be deemed to have agreed to the exclusive jurisdiction of the State and Federal courts of the Commonwealth of Massachusetts, USA, for resolution of any dispute you have relating to the services offered herein, or to this agreement. The laws of the Commonwealth of Massachusetts (except its conflict of laws rules) will be applied to any dispute, regardless of where it is heard, and these terms and conditions and the interpretation thereof are governed by the laws of the Commonwealth of Massachusetts.

3.18 Construction
If any portion of this agreement is ruled invalid or otherwise unenforceable, it shall be deemed amended in order to achieve as closely as possible the same effect as originally drafted. Any invalid or unenforceable portion shall be construed as narrowly as possible in order to give effect to as much of the agreement as possible. The headings used in this Agreement are intended solely for convenience of reference and are not intended to explain, modify, or place any construction or limitation upon any of the provisions of the Agreement.

It is recommended that you print this document for future reference.