MTRS member contribution rates
Date you established your current “effective membership date”Not participating in RetirementPlus*Participating in RetirementPlus*
April 2, 2012 and after9% plus 2% on earnings over $30,000/year; with 30 years of creditable service, contribution rate decreased to 6% plus 2% on earnings over $30,000/year11%; with 30 years of creditable service, contribution rate decreased to flat 8%, and no additional 2%
July 1, 2001 through April 1, 20129% plus 2% on earnings over $30,000/year11%
July 1, 1996 through June 30, 20019% plus 2% on earnings over $30,000/year
January 1, 1984 through June 30, 19968% plus 2% on earnings over $30,000/year
January 1, 1979 through December 31, 19837% plus 2% on earnings over $30,000/year
January 1, 1975 through December 31, 19787%
Before January 1, 19755%
*The enhanced benefit plan known as RetirementPlus became effective on July 1, 2001. Depending on your membership history with the MTRS and other Massachusetts public retirement systems, you may have either had a one-time opportunity to elect whether or not you wanted to participate in RetirementPlus, or been required (“mandated”) to participate.
If you established your current “effective membership date” with your membership in…

  • another Massachusetts contributory retirement system and transfer into the MTRS on or after July 1, 2001, you will be given a one-time RetirementPlus election period that is 180 days from the date of your transfer into the MTRS. If you make a timely affirmative election to participate in RetirementPlus, your contribution rate will be raised to the RetirementPlus rate of 11%; if you either opt not to participate in RetirementPlus, or do not return your form by the deadline, your contribution rate will remain at the amount corresponding to your date of membership, and you will not be enrolled in RetirementPlus.

  • the MTRS…
    • on or before June 30, 2001, your one-time RetirementPlus election period was March-June 2001, when we mailed an election form to you.

    • on or after July 1, 2001, by law, you are required (“mandated”) to participate in RetirementPlus, and your contribution rate is 11%.

Types of purchasable service and application formsMaximum time creditableApplicable interest rate
Other MA public service with the MTRS or a MA town, city, state, county or regional authority, during which…
20 years
No maximum
As of January 1, 2022, actuarial interest (currently, 7.0%)1
Substitute, temporary or part-time public school service in Massachusetts 20 years
Out-of-state public school teaching service  2, 410 years
Nonpublic, private school teaching service BEFORE 1973  2, 3, 410 years
Overseas dependent school teaching service 2, 45 years
Vocational education work experience
(for Chapter 74 certified educators)
3 yearsBuyback interest for all members (currently, 3.5%)
Nonpublic school teaching service in a MA publicly-funded school 3, 410 years
Peace Corps service 3 years
Pre-1975 maternity leave (except in rare situations, you must have purchased this service by 12/31/2001; however, if you believe you may qualify, please contact our office)4 years
Active military service in U.S. armed forces, MA National Guard or Active Reserves, other than a military leave of absence during membership in a MA contributory retirement system
(Chapter 71 military service application )
Generally 4 yearsNo interest charged on first invoice, first due date; thereafter, buyback interest

Option A allowance example

3-year salary average$55,000
1/3 1/3
Pension portion$18,150
Annuity portion
The annuity portion is calculated based on your age and the balance in your MTRS annuity savings account. In general, the annual annuity portion for members with approximately 20 years of creditable service ranges from $3,000 to $6,000. Your actual figure will vary.
$4,558
Option A annual allowance

Note: If you are a wartime veteran, $15 for each year of teaching service (up to a maximum of $300) is added to the Option A annual allowance.
$22,708

Option B allowance

Option A annual allowance (see above)$22,708
99% (approximately 1% less than Option A) 99%
Option B annual allowance$22,480

Option C allowance and survivor benefit

Option A annual allowance (see above)$22,708
Option C factor (see Option C factor table ) 0.9616
Option C annual allowance$21,836
2/3 (allowed survivor portion 2/3
Annual member-survivor benefit$14,557