Kentucky teacher retirement system

Kentucky TRS pension guide

Defined benefit and supplemental retirement system for Kentucky educators and eligible education employees.

TRS 1, 2, and 3 are historical entry-date groups.TRS 4 applies to members entering on or after January 1, 2022.Teachers do not choose among account types.

Kentucky teacher pension guide card with the Kentucky TRS plan name

Complete topic cluster

1 guides, one connected system

Visit the official Kentucky TRS site ↗

Tiers

Kentucky TRS Tier 1 vs Tier 2 vs Tier 3: Know Your Group

Kentucky TRS assigns account type by entry date. Compare TRS 1, 2, and 3 rules, the newer TRS 4 cutoff, retirement formulas, contribution rates, and examples.

12 min readUpdated October 3, 2026

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