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Reciprocity
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Combining KTRS Service with Service in another state administered retirement system.

KTRS is subject to "reciprocity" statutes and regulations that require the recognition of service in the other state-funded retirement systems in Kentucky in determining eligibility for retirement benefits.

The state-funded retirement systems include the Kentucky Employees' Retirement System, County Employees' Retirement System, State Police Retirement System, Legislators' Retirement Plan, Judicial Retirement System and Kentucky Teachers' Retirement System. Reciprocity laws are applicable to members who have established membership and maintained active accounts in more than one of these state-funded retirement systems. These laws allow members to determine their eligibility for retirement benefits by combining service credit in all systems. Service credit is coordinated between the systems to assure no overlap in service. Members can never receive more than a total of one year of service credit for a fiscal year when service credit from all retirement systems in which they have participated is added together.

Each system will calculate your annuity separately. Your KTRS final average salary is based on the five (5) highest annual salaries, or three (3) highest if you qualify, regardless of the system under which the service was rendered. Under KTRS, members with at least twenty-seven (27) years of Kentucky service credit and who are at least fifty-five (55) years of age at the time of their initial retirement are eligible to have their final average salary based upon their three (3) highest annual salaries in the calculation of the KTRS retirement annuity. Under the reciprocity laws, calculation of retirement allowances will be based on the formula in effect for each retirement system involved. Any legally required reductions in annuity payments will be applied by each system according to the laws and administrative regulations governing that system. In lieu of combined service accounts, a member may request in writing that each retirement account be kept separate. Unless you make a written request to separate your accounts, you must file all necessary forms and documents with each retirement system from which you are retiring before a retirement allowance is payable from any retirement system. If combining service with any of the other Kentucky public retirement systems, please contact each system for the necessary forms in order to retire from that system properly.

NOTE: KTRS will recognize non-qualified service credit purchased in another state administered retirement system only to the extent that you have an equivalent number of full months of active employment in the position covered by the other retirement system during the period that the non-qualified service credit is purchased.
479 Versailles Road, Frankfort, Kentucky 40601 / Phone: 1-800-618-1687