Ready to Retire










Ready to Retire

GRS Retirement Information

For retirement information or to set up an appointment for a retirement counseling session, please call 678-301-6267.
Normal business hours for the Gwinnett Retirement Services Department are 7:30 a.m. to 4:30 p.m.
GRS counseling appointments are scheduled Monday through Friday between 7:00 a.m. and 4:00 p.m.

You can also find more detailed information about the Plan in the Gwinnett Retirement System Handbook.


If you are planning to retire within the next year, now is the time for you to schedule an appointment to meet with one of our retirement counselors. We suggest that you schedule a consultation appointment one to two years prior to retirement.

TRS employees can sign retirement papers in the GRS office 6 months prior to the retirement date. TRS application for retirement should be completed and submitted to Teachers Retirement no later than 3 months prior to the retirement date to insure prompt payment of the first monthly benefit.

PSERS employees cannot sign their retirement papers earlier than 3 months prior to the retirement date. Applications should be completed as soon as possible to insure prompt payment of the first monthly benefit.

Benefits Continued In Retirement

All benefits to be continued in retirement must be in place the year prior to retirement. Deductions must be coming out of active paychecks prior to retirement in order to continue an optional benefit after retirement.


Benefits Dropped Prior To Or After Retirement

Any benefits dropped prior to or after retirement cannot be picked back up during retirement (this includes health insurance).
Contact us at 678-301-6269 or 678-301-6267 for questions.

Frequently Asked Questions (FAQ’s)

What does vesting mean?

Vesting means that an employee has earned enough creditable service to have a right to a benefit at a certain age as stated by their retirement plan.

When are you vested with GRS?

Anyone employed prior to July 1, 2012 who remains continuously employed until they reach 5 years of creditable service will be vested in their Gwinnett Retirement System (GRS) retirement benefit at the 5 year point. Beginning July 1, 2012, the vesting requirement was changed to 10 years for employees new to the system or for employees rehired into the system who did not have 5 years creditable service as of June 30, 2012.

How long do you have to work to be vested with TRS?

You must have ten years of creditable service to be vested with Teachers Retirement System (TRS).

When will I be eligible to retire?

Retirement with TRS may begin with the completion of thirty years creditable service, regardless of age; completion of at least ten years of creditable service and attainment of age sixty; or completion of at least twenty-five years of creditable service with a reduced benefit.

Effective with the Gwinnett Board of Education approval on July 1, 2012, the GRS Plan changed various requirements for GRS retirement benefit eligibility.

GRS Retirement Benefit Vesting Prior to July 1, 2012

Retirement with GRS may begin with completion of at least five years creditable service if the service was earned before July 1, 2012 and attainment of age sixty-five; or retirement with TRS regardless of age.

GRS Retirement Benefit Vesting After July 1, 2012

Retirement with GRS may begin with completion of at least ten years creditable service and attainment of age sixty-five; or retirement with TRS regardless of age; or retirement with PSERS at age 60.

GRS counselors will provide you with more detailed information about retirement eligibility and retirement benefit options.

To see a question and answer summary about the July 1, 2012 changes made in regard to vesting and retirement benefit options for the GRS Plan use this link.



What happens to my remaining sick leave days when I retire?

Sick leave can be used for service credit with TRS or you may be paid for these days at the rate of of substitute pay per day upon retirement. TRS members must have a minimum of sixty sick leave days accumulated to receive service credit. Sick leave days cannot be used for vesting purposes. PSERS employees are not eligible for sick leave service credit, but may be paid for these days at the rate of of substitute pay per day upon retirement. The maximum number of sick leave hours that can be paid at retirement is 1,000.

May I keep all my benefits when I retire?

Health insurance is the only benefit provided through the State. This benefit can be continued for life at retirement. Other benefits (life insurance, dental insurance, cancer insurance, etc.) are provided through Gwinnett County Public Schools. These benefits can be continued at retirement. Term life insurance terminates at age seventy. All benefits must be in place at the time of retirement.

Can I change my health insurance once I retire?

Retirees have an opportunity each year to change their health insurance plan during the annual optional change period. If you experience a qualifying event, you may be able to make changes for yourself and your dependents. A complete description of qualifying events is available on the State Health Benefit Plan website.



Can dental and other GRS benefits be changed once I retire?

Benefits may be dropped, but cannot be picked up again. Single and/or family coverage may be changed for reasons such as marriage or divorce.

Are retirees allowed to work for Gwinnett County Public Schools?

Yes, but in accordance with state law, certain conditions and restrictions apply. Please refer to the Working After Retirement link.



May I draw my retirement and Social Security?

Yes, but your Social Security benefits may be offset based on your employment with GCPS. Only Social Security can determine eligibility for benefits and amount of offset. The telephone number of the Social Security Administration is 1-800-772-1213.