The terms you'll see in Connecticut TRB's handbook, letters and on this site, each in a sentence or two, with its source.
A retired teacher working in a Connecticut public school can earn up to 45% of the maximum salary for the position each school year and keep the pension.
C.G.S. § 10-183v(a)(1) (2025 rev.); Connecticut TRB webpage 'Understanding Post Retirement Reemployment'; Connecticut TRB Retirement Overview (AI_RETPRESPP_240122), p. 22; Post Retirement Reemployment Guide (PR_GUIDE_190910)More on this →Service you buy, such as out-of-state teaching, military service or past leaves. It must be documented and paid for before your retirement date, up to ten years overall.
Active Teachers' Handbook (2022), pp. 34-41, Purchasable Service Credit; C.G.S. § 10-183e(b)-(d) (2025 rev.); Filing for Retirement / New Retiree Q&A (AI_FNRQA_200628), p. 1More on this →The average of your three highest annual salaries as an active member. Extra-duty and coaching pay, unused sick or vacation pay, terminal pay, summer school and merit pay don't count. With part-time service, your full-time salary rate is used and the benefit is reduced by your FTE.
C.G.S. § 10-183b(4) (2026 Supp.); Active Teachers' Handbook (2022), p. 21, Your RetirementMore on this →Monthly payments to your spouse, children and some other dependents if you die before retiring, whatever your beneficiary form says.
Active Teachers' Handbook (2022), pp. 15-17, Death Benefits During Employment; C.G.S. §§ 10-183f(f), 10-183h(a) (2026 Supp.)More on this →Cost-of-living adjustment: a yearly increase to your pension, set by a formula in the statute that depends on when you retired and when you joined.
Active Teachers' Handbook (2022), pp. 46-48, Cost of Living Adjustments; C.G.S. § 10-183g(j)-(l) (2026 Supp.)More on this →One month for each school month (September to June) you're employed on the first working day and contributions are made. Ten months make a year; you can earn at most one year per school year.
Active Teachers' Handbook (2022), pp. 12-13, Credited Service; C.G.S. § 10-183e(a)(1) (2025 rev.)More on this →Credited service in Connecticut public schools. Several rules need a minimum amount of it, separate from your total credited service.
Active Teachers' Handbook (2022), p. 24More on this →The benefit for someone who leaves before 60 with at least ten Connecticut years and leaves their contributions in. It starts at 60.
Active Teachers' Handbook (2022), pp. 27-28, Vested Deferred Retirement Benefit; C.G.S. §§ 10-183f(d) (2025 rev.), 10-183g(d) (2026 Supp.); Connecticut TRB webpage 'Vested Deferred Retirement'More on this →A reduced benefit at any age with 25 years (20 in Connecticut), or at 55 with 20 years (15 in Connecticut). The 2% a year is replaced by a smaller percentage from Table A or Table B.
Active Teachers' Handbook (2022), p. 24, Early Retirement Benefit; C.G.S. § 10-183f(c) (2025 rev.)More on this →A fixed monthly amount bought with your pre-July 1989 1% supplemental account or a voluntary account, instead of taking the balance as a lump sum. It gets no COLA.
Annuity Bulletin (AI_VOLSUP20_210630), p. 2 (ten years before July 1, 2019) and p. 4 (on or after)More on this →The share of full time you worked. Part-time service of at least half a day counts in full toward eligibility, but your benefit percentage is reduced to your FTE.
C.G.S. § 10-183gg (2025 rev.); Active Teachers' Handbook (2022), p. 7, Retirement Credit for Members Teaching At Least Half TimeMore on this →What Connecticut TRB pays your last school district toward your health coverage if you stay on the district's plan before Medicare: up to $220 a month per person.
C.G.S. § 10-183t(b)-(c) (2026 Supp.); Connecticut TRB webpage 'Health Coverage with my Local School District'; Active Teachers' Handbook (2022), p. 48More on this →An unreduced benefit: age 60 with 20 years of Connecticut service, or any age with 35 years of service (25 in Connecticut).
Active Teachers' Handbook (2022), p. 23, Normal Retirement Benefit; C.G.S. § 10-183f(a) (2025 rev.)More on this →A smaller lifetime benefit with 5, 10, 15, 20 or 25 years of payments guaranteed from your retirement date. If you die within that period, your beneficiary gets the rest.
Active Teachers' Handbook (2022), pp. 29-30, Lifetime and Period Certain Option (Plan C); C.G.S. § 10-183j(c) (2025 rev.)More on this →A smaller benefit over two lives. Your co-participant, the one person you name, gets 100%, 75%, 2/3, 1/2 or 1/3 of it for life after you die. It goes up to the Plan N amount if they die first.
Active Teachers' Handbook (2022), pp. 30-31, Co-Participant Plan Option (Plan D); C.G.S. § 10-183j(d) (2025 rev.)More on this →The single life payment plan. It pays the most each month for your life. At your death your beneficiary gets your account balance at retirement less 25% or 50% of the benefits paid.
Active Teachers' Handbook (2022), p. 29, Plan N Single Life Option; C.G.S. § 10-183g(h) (2026 Supp.)More on this →The benefit for someone who leaves at 60 or older with 10 to 19 years of Connecticut service: (Connecticut years / 10)% for each Connecticut year, plus 1% for each year of other service.
Active Teachers' Handbook (2022), pp. 26-27, Pro-ratable Retirement Benefit; C.G.S. §§ 10-183f(b) (2025 rev.), 10-183g(b) (2026 Supp.)More on this →A subject the state Education Commissioner designates as short of teachers. Retirees teaching one can work without the 45% limit for up to one school year (a second with approval).
C.G.S. § 10-183v(b) (2025 rev.); Connecticut TRB webpage 'Understanding Post Retirement Reemployment'; Connecticut TRB Retirement Overview (AI_RETPRESPP_240122), p. 23More on this →The early retirement percentages per year of service, by how many years before your normal retirement date you retire. Table A is for under 30 years of service; Table B, which cuts less, is for 30 or more.
Active Teachers' Handbook (2022), p. 25, Table A and Table BMore on this →Having ten years of credited Connecticut public school service, so you can get a monthly benefit after leaving.
Active Teachers' Handbook (2022), p. 20, Becoming VestedMore on this →Taking a refund of your contributions when you leave. It cancels your service and any pension.
Active Teachers' Handbook (2022), pp. 19-20, Withdrawal Privilege; C.G.S. § 10-183k (2025 rev.); Connecticut TRB webpage 'Withdrawal Privilege'More on this →Source: CTRS Active Teachers' Handbook, July 1, 2022, pp. 7, 12-13, 15-17, 19-20, 20, 21, 23, 24, 25, 26-27, 27-28, 29-30, 29, 30-31, 34-41, 46-48, 48. Also: Connecticut TRB webpages 'Understanding Post Retirement Reemployment', 'Vested Deferred Retirement', 'Health Coverage with my Local School District', 'Withdrawal Privilege'; Connecticut TRB Retirement Overview pp. 22, 23; Post Retirement Reemployment Guide; Filing for Retirement / New Retiree Q&A p. 1; Annuity Bulletin pp. 2, 4; C.G.S. §§ 10-183b, 10-183e, 10-183f, 10-183g, 10-183gg, 10-183h, 10-183j, 10-183k, 10-183t, 10-183v. Last reviewed .