Retirement Plans

Traditional Plan - Active Members

Description Summary: 
Links for an active member in the traditional plan.

Welcome to the Active Member portion of the SURS website. An active member is currently employed by a SURS-covered employer and contributes a portion of their earnings to the System. Choose from the menu on the left for information relevant to active members. The following is a brief overview of each menu option.


Learn more about your SURS benefits including insurance, retirement, and disability. Find information on how to take a refund of your contributions if you leave the System or prepare for retirement.

Service Credit, Refunds, and Retirement

Description Summary: 
Brochures and leaflets explaining the purchase of prior service, the refund process and retirement.

The following brochures and leaflets explain the purchase of prior service, the Reciprocal Act and systems, the refund process and retirement annuities. Another good resource for information on these topics is the Frequently Asked Questions page.

Traditional Plan

Description Summary: 
A list of helpful links for members in the traditional plan.

The SURS Traditional plan is the historical SURS Defined Benefit retirement plan. It was the only SURS plan available until 1998. It provides lifetime retirement benefits and a survivor benefit at no additional cost. However, the separation refund feature is not as generous as the Portable plan. The Traditional plan is also the default plan assigned to members who fail to choose a plan within six months of certification.

Portable Plan

Description Summary: 
A list of helpful links for members in the portable plan.

The SURS Portable plan is a Defined Benefit retirement plan that has much in common with the Traditional plan. However, it provides a more generous separation refund when participants leave the system. The provisions for survivor benefits require a reduction to the retirement and death benefits.

Self-Managed Plan

Description Summary: 
A list of helpful links for members in the self-managed plan.

The SURS Self-Managed plan (SMP) is a defined contribution plan that establishes an account into which your contributions and the employer (State of Illinois) contributions are placed. You decide how your account balance will be invested, selecting from a variety of mutual funds and variable annuities.


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