Active Members

Membership in the Worcester Retirement System is mandatory for permanent employees of the City of Worcester (excluding teachers) and Worcester Housing Authority that regularly work a minimum of 30 hours per week.

The Worcester Retirement Board staff are available to answer any questions regarding your benefits.

Calculate Your Benefits

Forms - Active Members

Beneficiary

Purchase Creditable Service

Survivors

Withdrawal

Have a Question?

  • If you are employed by the City of Worcester or WHA on a permanent basis and holding a position, which requires you to work a minimum of 30 hours per week (excluding teachers), you are eligible to become a member of the Worcester Retirement System.

  • According to the Massachusetts Retirement Law (M.G.L. Chapter 32), you must become a member of the system if you meet the eligibility requirements.

  • No! Under State Law, your retirement account has no provision for withdrawal under any circumstance including mortgage down payments or college education.

  • You are required to contribute a set percentage of your salary and if applicable, an additional 2% on any salary over $30,000 through regular payroll deductions. Your contribution rate is established by Massachusetts General Law and is determined by the date on which you first became eligible for membership in a Massachusetts Contributory Retirement System and continuously maintained your funds on account.

    If the date of which you become a member of a Massachusetts Retirement System and continuously maintained your funds on account is:

    • 5% - Before January 1, 1975
    • 7% - January 1, 1975 through December 31,  1983
    • 8% - January 1, 1984 through June 30, 1996
    • 9% - July 1, 1996 or After

    Whether you are subject to the 2% Over $30,000 deduction is determined by your membership date. If the date on which you become a member of the Massachusetts Contributory Retirement System and continuously maintained your funds on account is:

    • NOT Subject to the "2% OVER $30K" - Before January 1, 1979
    • Subject to the "2% OVER $30K" - On or After January 1, 1979
  • The Retirement Office establishes and maintains an individual annuity savings account in your name. Statements showing the balance of your contributions and accumulated interest are issued annually for your records.

  • You pension is considered a defined benefit plan that operates as a qualified employer plan under section 401(a) of the Internal Revenue Code. Your retirement allowance is calculated using:

    1. Your years of creditable service;
    2. Your age factor at retirement; and
    3. Your average annual rate of compensation.

    To figure out your average annual rate of compensation:

    • If hired before April 2, 2012 add your 3 highest consecutive years compensation and divide by 3.
    • If hired on or after April 2, 2012 add your 5 highest consecutive years compensation and divide by 5.

    *Actual benefit is subject to anti-spiking provision.

  • You are considered eligible for retirement:

    If hired before April 2, 2012

    • You have 20 years of creditable service
    • You are age 55 with at least 10 years of creditable service

    If hired on or after April 2, 2012

    • You are age 60 with at least 10 years of creditable service (group 1)
    • You are age 55 with at least 10 years of creditable service (group 2)
    • You are age 50 with at least 10 years of creditable service (group 4)

    *Creditable service is earned by contributing employees working at least 30 hours or more per week.

Contact Information

Retirement Board
City Hall Room 103
455 Main Street
Worcester, MA 01608

Accessible via WRTA Bus Line. View Schedules

Phone: 508-799-1062
Fax: 508-799-1047
Email Us

Office Hours:
Monday - Friday
8 a.m. - 4 p.m.

City of Worcester
Customer Service Line
Monday - Friday
7:30 a.m. - 5 p.m.
508-929-1300
Contact Us

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