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Ball State University.
Muncie, IN 47306.
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Indiana State Teacher's Retirement Fund (TRF) 

TRF is administered by the State of Indiana.  The TRF benefit consists of two parts: an annuity and a pension.

The annuity is financed by your contributions.  The University “picks-up,” i.e. pays, your contributions in the amount of 3% of your gross pay commencing with the first day of employment or July 1, 1989, whichever is later.  These contributions are credited to your annuity account.  In addition, at retirement, the “pick-up” amount is included in the salaries used to determine final average salary for purposes of calculating your pension.  The amount of your benefit is based on the balance in your account at the time benefits commence.

The pension, the larger part of your benefit, is financed by the University.  The University contributes an amount required to provide the pension determined by TRF.  The amount of your benefit is based on the average of your five highest fiscal-year salaries and your years of service.

If you are at least 65 years of age and have at least ten years of creditable service, you are entitled to a retirement benefit.  Early retirement with a benefit is offered if you are at least 50 years of age and have at least 15 years of creditable service.

If you elect to be covered by APP, you cannot thereafter become a member of TRF.

[Membership] [Your Contributions] [Creditable Service] [The Two Parts of Your Retirement Benefit] [Example of Benefit] [Vested Status] [When Retirement Benefits Begin] [Retirement Options Available] [Annuity Account Options Available] [Benefits to Survivors] [Beneficiaries] [Disability Benefits] [If You Leave the University]