TRS Illinois · Survivor benefits

What your family receives from TRS Illinois

TRS Illinois pays survivor benefits from the 1% survivor contribution you make while working. Here's what a spouse or other dependent can get.

Illinois specificsShort answer: a survivor pension is generally 50% of the member's earned pension in Tier 1, and 67% for a Tier 2 spouse (50% for other dependents), paid for by the 1% survivor contribution. A reversionary annuity can add more. Survivors can keep health coverage through TRIP, and survivor pensions rise each year (see yearly increases). The calculator shows the earned pension these percentages apply to.
Survivor benefits (TRS Illinois)
Tier 1Tier 2
Monthly survivor benefitGenerally 50% of the member's pension Tier 1 Guide p. 34, Types of Beneficiaries table and notesSpouse: 66.67%. Other dependents: 50% Tier 2 Guide p. 33, Types of Beneficiaries table; TRS Illinois Tier 2 slides, slide 35
On $56,100 a year$2,338 a month$3,117 a month to a spouse

The dollar row is our illustration, using the pension in TRS Illinois's Tier 2 example. TRS Illinois Tier 2 slides, slide 17

Tier 1 details

Death of annuitant or inactive member with 20+ years: monthly benefit generally 50% of the member's earned benefit at death, plus a lump sum of $3,000 or 1/6 of the highest salary rate in the last four years (or $1,000). Death while employed: lump sum up to the highest salary rate in the last four years or $1,000, and a monthly benefit generally not less than $400 ($600 with minor children), or 50% of the earned annuity if greater. Tier 1 Guide p. 34, Types of Beneficiaries table and notes

Who qualifies for monthly benefits

Dependent beneficiaries qualify for monthly survivor benefits if the member had 1.5 years of TRS Illinois service and at least 60 days of creditable service in the 18 months before death; or the member was an annuitant (with service after July 24, 1959) or an inactive member with 20+ years. Tier 1 Guide pp. 33-34, Survivor benefits: Eligibility and table

Spouse/partner with minor children or age 50+: at death (active/inactive) or first of month after death (annuitant). Spouse under 50: when spouse turns 50 if married at least one year. Dependent parent: at 55. Tier 1 Guide p. 33, When Survivor Benefits Begin for Dependents

Refund to beneficiaries

Active/inactive: all retirement contributions plus interest and the annual-increase portion. Annuitant: remaining contributions after subtracting annuity payments received. Tier 1 Guide p. 33, Beneficiary Refund

Raises on survivor pensions

Survivor pensions get yearly raises too. See Yearly increases.

What the guides say

Questions

What does my spouse get if I die after retiring?

Generally a monthly benefit of 50% of your pension in Tier 1, or 66.67% for an eligible spouse in Tier 2, if they qualify as a dependent beneficiary.

Who counts as a dependent beneficiary?

Generally a spouse or partner, minor children, or a dependent parent, under the member guide's rules. Nondependent beneficiaries get a lump sum only.

What if I have no dependents?

At or after retirement you may take a refund of your 1% survivor contributions. Doing so gives up all survivor benefits.

Source: TRS Tier 1 and Tier 2 Member Guides, September 2026, Tier 1 Guide pp. 19, 32, 33, 34; Tier 2 Guide pp. 19, 33; Tier 2 meeting slide 35. Last reviewed .