The information on this page applies to participants of all IMRF plans.
IMRF is one of 13 public pension systems covered under the Illinois Retirement Systems Reciprocal Act.
The Reciprocal Act ensures continuous pension credit for public employment in the state of Illinois by allowing the combination of service credit and wage history within the state’s public retirement systems.
In other words, if you participated with more than one of the pension systems covered under the Reciprocal Act during your public service career, all of your service credit can be “combined” to calculate a pension from each system.
Retiring under the reciprocal act is optional. If you earned service credit under more than one reciprocal system, you can choose to retire under the Reciprocal Act or to retire separately with each system. (If you chose to retire separately with each system, you must meet the service credit requirements for each system without combining your years of service credit.)
In most cases, you will receive a higher combined benefit by retiring under the Reciprocal Act. However, in some cases a member’s combined pension could be higher if he or she retires separately under each system.
What are the benefits to retiring under the Reciprocal Act?
What service credit is eligible to be considered under the reciprocal act?
Read more about how your IMRF service credit works with the Reciprocal Act in the "IMRF and the Reciprocal Act" booklet.
Read the brochure published by the Retirement Systems Reciprocal Conference
If you have questions regarding IMRF, Communicate with Us.
| Home Page | Members | Retirees | Employers
| Inactive Members | Publications | Legislation | Find
IMRF Online provides a brief summary of IMRF benefits and the adminstration of those benefits. IMRF members' and employers' rights and obligations are governed by Article 7 of the Illinois Pension Code. Statements in these publications are general, and the Illinois state law governing IMRF is complex and specific. If a conflict arises between information in these publications and the law, all decisions are based on the law.
Copyright © Illinois Municipal Retirement FundPage Last Updated by JC on 12.01.2010