New Members


Welcome to IMRF!

Your IMRF membership is a major financial asset, so it’s important to understand your account.

What is IMRF?

IMRF is a defined benefit plan that provides a lifetime of income protection. Your IMRF benefits include:

What are the details of my benefits?

Your specific benefits and eligibility requirements depend on your plan and tier.

New Members

Not sure what plan and tier you’re in? Your welcome letter includes your plan and tier. You can also read more about plans and tiers here.

As a new member, what do I need to do first?

VAC is an easy way to save more for retirement. Here’s an example of how VAC can increase your retirement savings:

Voluntary Salary Contribution Comparison

Select your plan/tier under “Members” in the menu at the top of this page, and then click “Voluntary Additional Contributions” to learn more!