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RetireReady Tennessee: New Phone Support for TCRS and Deferred Compensation Plans

Treasury is enhancing retirement education and services to our participants by making all retirement related resources available on ONE website! This includes information regarding the Tennessee Consolidated Retirment System and the State’s Deferred Compensation program.

RetireReady Tennessee is the financial wellness initiative to ensure that all State employees, teachers, employees of higher education, local government participants, and retirees can easily gain access to informational and educational resources regarding their retirement.

We have rolled out a brand new website,, where participants can gain access to plan balances, a meeting scheduler, educational materials, and a helpful dashboard for employees to track their retirement savings progress.

TCRS now also has a brand new customer service call center with expanded hours to help answer your questions. You can reach the call center at 1-800-922-7772 from 8:00 AM to 7:00 PM CST.

You may also access your accounts online at or

Great news! Concord's Self-Service is now available to Retirees, Employers and Members. Please click on the Self-Service link to access the login page. We are experiencing high call volume at this time. If you have questions about Member Self Service, please refer to the User Guide or Demonstration Video for assistance.

The Tennessee Consolidated Retirement System (TCRS) is a defined benefit pension plan that covers state employees, higher education employees, K-12 public school teachers, and employees of political subdivisions who have elected to participate in the plan.  This means that the amount of any future retirement benefits is determined by a benefit formula rather than an account balance.



Tennessee Consolidated Retirement System’s recognition of claims under Qualified Domestic Relations Orders (QDRO)

Retirement benefits may be impacted by a divorce.  The Tennessee Consolidated Retirement System (“TCRS”) began recognizing claims under qualified domestic relations orders (“QDRO”) effective July 1, 2016 under exemptions in state and federal law. TCRS will recognize claims for payment under QDROs on the standard form at that are dated on or after July 1, 2016, so long as the QDRO relates to the provision of marital property rights relating to TCRS for the benefit of the member’s former spouse. The form and the instructions for completion are available on the TCRS website at under the QDRO tab. The TCRS Board of Trustees has adopted proposed rules for QDRO recognition, which are posted on the Secretary of State’s website at

Members of TCRS who are also participants in the State of Tennessee Deferred Compensation Program, including those who participate in the State’s Deferred Compensation program as members of the Hybrid Plan, will need a separate QDRO if division of Deferred Compensation benefits is desired. The State’s Deferred Compensation Program will recognize QDROs dated on or after July 1, 2016. Processing of QDROs for Deferred Compensation will be done by the Deferred Compensation Program’s third party administrator, Empower Retirement Services. To obtain the Deferred Compensation Program's QDRO form, please contact Empower Client Services at 800-922-7772.

QRDO Claims Recognized beginning July 1, 2016

Retirement benefits may be impacted by a divorce.  As a governmental retirement plan, the Tennessee Consolidated Retirement System (“TCRS”) has not recognized claims under qualified domestic relations orders (“QDRO”) under exemptions in state and federal law. However, effective July 1, 2016, TCRS will recognize claims for payment under QDROs. ...more


Legislation has been enacted to create a new Hybrid pension plan for state employees and K-12 teachers hired on or after July 1, 2014. Current employees or retirees are not affected by the changes. Local governments also have the option to adopt the new Hybrid pension plan with cost controls. You can find more information concerning the new plan can below.

During the 2012 session, the General Assembly passed legislation which expanded the TCRS retirement options a local government can offer to their employees.  These changes would only apply to new local government employees hired after passage of a resolution by the local government.  Since these changes are optional, there is no requirement for local governments to implement these changes.  To view more information regarding these options, please click on the link(s) below.

Public Notices:

TCRS Board of Trustees Meeting Notices





Individuals with disabilities who wish to participate in these proceedings and require an accommodation should contact Bridget Dorse with Tennessee Consolidated Retirement System no less than two (2) days prior to the scheduled meeting date to allow time for the Treasury Department to arrange for an accommodation.  You may contact the Treasury Department at 502 Deaderick St., Nashville, TN  37243; (615) 741-7063 or the Board Administrator Bridget Dorse by email at    

Concord is a Tennessee Treasury Department project to replace the computer systems that are used to administer the Tennessee Consolidated Retirement System (TCRS). To learn more about the Concord project, please click here.

Member Reference Materials:

Member Self-Service (MSS) User Guide New!

MSS Training Videos:

Session 1: Contact Information, Account History, Annual Statement, Beneficiary Information New!

Employer Reference Materials:

Employer Training PowerPoint

First Steps in Accessing ESS Quick Reference Guide

Error Messages and Corrections Quick Reference Guide

New Fields Required in Reporting Quick Reference Guide

Employer Self-Service (ESS) User Guide Updated November 14

Frequently Asked Questions

ESS Training Videos:

Session 1: Logging In, Payment Accounts, Office Locations, Contact Persons, Manage Users

Session 2: Changing Your Password, PIN, & Security Questions

Session 3: Death Notice, Seminars, Employer Certification

Session 4: Member Information, Employer Information, Reports, Message Center

Session 5: Submitting Your Monthly Report
    Session 5a: Submitting via File Upload
    Session 5b: Submitting via Online Entry

Session 6: Monthly Packets, Download Member ID, Member Plan Search, Invoices

Session 7: Prior Period Adjustments New!