401(a) Retirement Plan

Teachers' Retirement Systems of Alabama

Website: Teachers' Retirement Systems of Alabama | Phone: 877.517.0020

Nearly all UAH employees are required to participate in Teachers' Retirement Systems of Alabama (TRS) defined-benefit retirement plan.  The amount of retirement income for eligible employees is determined by the number of years of participation, the average final salary (using the best three out of the last ten years) and the option chosen by the individual at the time of retirement.  Required contributions are made up to the $260,000 annual earnable compensation maximum. The salary cap only applies to employees hired on or after July 1, 1996. 



Tier 1 Member

Employed prior to January 1, 2013

Tier 2 Member

Employed after January 1, 2013

Contribution Rates

Regular Employees - 7.5% 

Regular Employees - 6% 

Law Enforcement Officers - 8.5%

Law Enforcement Officers - 7

Retirement Eligibility

25 years at any age
10 years of service at age 60

No early retirement option
10 years of service at age 62 (56 for law enforcement officers)

Retirement Factor



Average Final Salary

Average of the highest three years out of the last ten years

Average of the highest five years out of the last ten years

Benefit Cap


80% of Average Final Salary

Retirement Contributions on Overtime Pay

Earnable Compensation cannot exceed 120% of base pay

Earnable Compensation cannot exceed 125% of base pay

Sick Leave Conversion



Member Handbook

Tier 1 Members

Tier 2 Members


Retirement Counseling

RSA counselors are available Monday through Friday from 8:00 a.m. – 5:00 p.m. to counsel you by phone and answer questions concerning your account. To schedule an appointment with an individual counselor in Montgomery, please call TRSA or click here for more information.