What Illinois teachers get instead
Illinois teachers outside Chicago are members of Illinois TRS, and Chicago teachers are in the Chicago Teachers’ Pension Fund. Neither participates in Social Security. TRS pays 2.2% a year of final average salary, capped at 75%.
Tier 2 teachers, who started in 2011 or later, cannot retire unreduced until 67 and have a capped salary and a smaller COLA. For them, Social Security earned in other jobs can make a bigger difference than for Tier 1.
Our Illinois TRS calculator estimates the pension using the plan’s own rules, and the retirement chart shows the percentage at each age.
Social Security from other work
Many Illinois teachers earned Social Security credits before they started teaching, during summers or in a second job. With 40 credits, about ten years of covered work, you qualify for your own benefit. Until 2025 the Windfall Elimination Provision cut that benefit for anyone with a non-covered pension. The Social Security Fairness Act repealed it, so the full benefit now adds to your Illinois TRS pension.
Spousal and survivor benefits changed too. The Government Pension Offset used to reduce them by two-thirds of your pension, which wiped them out for most retired teachers. That rule is gone as well. If your spouse worked in a covered job, you may now be due a spousal benefit while they are alive and a survivor benefit after.
Medicare
Teachers hired after March 31, 1986 pay the 1.45% Medicare tax even in jobs without Social Security. Ten years of that work qualifies you for premium-free Medicare Part A at 65. If you were hired before April 1986 and never changed employers, check your record, because you may need a spouse’s work history to qualify. See health insurance for public retirees.
What to do next
- Open your my Social Security account at ssa.gov and count your covered years.
- Check your spouse’s record for spousal and survivor benefits.
- Add your pension and Social Security in the pension and Social Security calculator.
- If you are a few credits short, a part-time covered job can be enough to qualify.
Questions
Do teachers get Social Security in Illinois?
No. Illinois public school teachers do not pay into Social Security on their teaching pay.
Can a Illinois teacher still get Social Security?
Yes, with 40 credits (about ten years) of covered work from other jobs, or through a spouse’s record. Since the Social Security Fairness Act, that benefit is paid in full on top of the Illinois TRS pension.
Do Illinois teachers get Medicare?
Teachers hired after March 31, 1986 pay the Medicare tax even without Social Security, so most qualify for premium-free Medicare Part A at 65.