Returning to Work After Retirement
The effect of returning to work on your IMRF pension
Performing work for any unit of government that participates in IMRF after you are receiving an IMRF pension—even as an independent contractor—can affect your pension status.
It is your responsibility to contact IMRF if you return to employment or compensated elected office with any unit of government that participates in IMRF.
Public Act 98-0389 changed retiree return to work rules effective August 16, 2013. The new rules are outlined in the table below. However, you should ALWAYS contact IMRF if you return to work for an IMRF employer in any capacity.
If you retire under an Early Retirement Incentive and you return to work for any IMRF employer in any position, even as an independent contractor, you will lose the ERI enhancements and pay IMRF the difference between the ERI enhanced pension and the pension you would have received without the ERI--less the amount you paid for the ERI.
Regardless of what your employer tells you regarding your pension status, it is YOUR RESPONSIBILITY to contact IMRF to report your return to work and to confirm that you may continue to receive your pension or to determine the date the pension will be suspended.Failure to inform IMRF of a return to work that qualifies for IMRF participation could result in significant financial repercussions for you.
If there is something you do not understand or can't find here, contact IMRF Online or call an IMRF Member Service Representative at 1-800-ASK-IMRF (1-800-275-4673).
Note that if you are a retired Tier 2 member, your return to work rules are different than those listed above and in the publications linked on this page. If you are a retired Tier 2 member returning to work, make sure to contact IMRF to find out the rules that apply to you.
If you have questions regarding IMRF, Communicate with Us.
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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 elc on 01-03-14