Tennessee teacher retirement system

Tennessee TCRS pension guide

Tennessee public employee retirement program with teacher defined benefit and supplemental savings components.

Full-time K-12 teacher hire date determines Legacy or Hybrid membership.Legacy applies before July 1, 2014; Hybrid starts on or after that date.Teachers do not choose between the two plans at enrollment.

Tennessee teacher pension guide card with the Tennessee TCRS plan name

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Visit the official Tennessee TCRS site ↗

Plan choice

Tennessee TCRS Legacy vs Hybrid Plan for Teachers

Tennessee teachers are assigned to Legacy or Hybrid by hire date. Compare the TCRS pension, 401(k), contributions, eligibility, and a worked formula example.

10 min readUpdated October 3, 2026

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