Skip to main content

JRS members have recently been targeted by a variety of phishing scams, including emails, phone calls, and text messages that attempt to impersonate or imply affiliation with JRS.

The fraudulent emails may provide links, including DocuSign, and allege to provide the member with the option to sign up and receive their monthly JRS benefit payments four days early by providing personal financial information, including bank account information.  JRS does not offer an early benefit payment option or request personal or banking information by email or use of DocuSign.  Please note that our emails are always sent from an email address.

Phone calls and Text messages
Several members have recently reported receiving unsolicited phone calls and text messages from individuals claiming to be associated with JRS.  These individuals initially contact the member by phone call or text message and attempt to set up counseling appointments with the member, generally through a follow-up email and/or text message.  These phone calls have been received on State landlines and State issued cell phones.  JRS does not contract with anyone outside of the agency to contact members about retirement counseling appointments or other financial services. JRS does not cold call members for retirement consultations, and only schedules retirement counseling appointments at the request of the member.

If you receive a suspicious email, call, or text message that purports to be JRS that you suspect is a scam, please report this activity to the JRS call center at 217-785-7444. Information that you provide can help JRS prevent and detect schemes that impact our members. 

Tier 2 Retirement Benefits


You may retire:

  • At age 62 with 8 years of credited service. (reduced ½ of 1% for each month under age 67). If you take a reduced benefit, it remains in effect throughout your retirement.
  • At age 67 with 8 years of credited service.

Tier 2 benefits are based on the final average salary of the 96 highest consecutive months of service out of the last 10 years, using each calendar year’s annual salary maximum (as determined by the Department of Insurance) and your total credited service. This benefit is payable for your lifetime. The maximum retirement benefit is 60% of your final average salary.

You must submit a retirement application and include a copy of your birth certificate in order to receive benefits. If you elect to retire under the Reciprocal Act, it is your responsibility to file an application with each system involved.

Contact JRS approximately 90 days before your retirement date. Your pension becomes effective on the first day following your withdrawal from service, or the date you are first eligible, whichever is later.

Your Retirement Benefit

This table displays the percentage of salary that JRS members with 8 to 20 years of JRS service credit will receive at age 67.

Retirement Benefit Chart

Years of Service Percent of Salary


24 %


27 %


30 %


33 %


36 %


39 %


42 %


45 %


48 %


51 %


54 %


57 %


60 %

Example: A member is age 67, has 20 years of credited service, and an eight year average salary (96 highest consecutive months within the last 120 months, subject to the Tier 2 salary maximum) of $113,550.53.

60% x $113,550.53 = $68,130.32 annually or $5,677.53 per month.

This member’s reduced retirement benefit with 20 years of service at age 62 is $47,691.22 annually or $3,974.27 per month because of the 1/2 of 1% reduction.

Limited Contributions

If you are age 67 and qualify for the maximum retirement annuity, you can elect to limit contributions. You would no longer pay full contributions to JRS. Instead, you would only make contributions based on future salary increases.

Reciprocal service can be used to reach the maximum benefit. However, the member cannot retire from any reciprocal system if their service was used to reach the maximum benefit and limit contributions until the service is no longer needed.

Contact JRS if reciprocal service allows you to reach the maximum benefit and before accepting an independent benefit from a reciprocal system.

Limiting your contributions is irrevocable. Pension benefits are based on the eight highest consecutive years out of the last 10 in which the salary used to calculate benefits cannot exceed the Tier 2 annual salary maximum for that calendar year.

Annual Pension Increases

If you retire at age 67 or older, you will receive a pension increase of 3% or the annual percentage increase in the Consumer Price Index-U, whichever is less on January 1 following your first full year of retirement. These annual increases are compounded on the previous year’s annuity. Pension increases are not limited by the maximum retirement benefit.

Returning to Employment

As a Tier 2 retiree, your JRS benefit will be suspended if you become a full-time participant in JRS or any Reciprocal System.

Your JRS benefit will continue if you:

  • Accept private employment.
  • Work for the state in any temporary position, except judge, for 75 days or less per calendar year.

If you are Recalled

If you are recalled as a Tier 2 judge, your JRS retirement annuity and any reciprocal benefits will be suspended. You will contribute to JRS during this period of employment and earn additional service credit.

JRS will calculate the additional benefit amount based on the judicial service earned and the salary of the position you were recalled to. This additional benefit amount is added to the existing benefit amount previously earned. Your membership date in JRS determines the salary used in calculating the additional benefit earned.

At the end of your recall period, you will be required to submit a retirement application to JRS. Your pension benefit will be reinstated the day following your removal from the bench. Your new pension amount will be the benefit earned before reemployment, plus the pension amount earned during your reemployment.

If you retired with the maximum annuity and are at least 67 years of age, upon returning to retirement, you will be given the 3% increase or the annual unadjusted percentage increase in the Consumer Price Index-U, whichever is less, for any January during your recall service.

Follow the link for the list of systems that participate in the Retirement Systems' Reciprocal Act.