Indiana State Teachers’ Retirement Fund (TRF)

The Indiana State Teachers’ Retirement Fund (TRF) Hybrid Plan is a retirement plan option available through the Indiana Public Retirement System (INPRS) to faculty and professional staff employees who qualify for benefits. This plan consists of both a pension plan and a defined contribution (DC) account. 

• TRF at a Glance: Fact Sheet
• Call TRF at (844) GO-INPRS or (844) 464-6777
• View TRF information online at https://www.in.gov/inprs/

University Contributions

In addition to the state mandated contribution percentage to the employee’s pension plan, the University also contributes the required 3 percent to the employee's defined contribution (DC) account.

Voluntary Employee Contributions

Employees may choose to make post-tax contributions to their TRF Hybrid Plan DC account. Post-tax contributions may be made from 1 percent to 10 percent of the employee's gross pay. This election may be changed at any time.

Ball State also offers two voluntary retirement plans to which employees may make retirement savings contributions.

• Tax Deferred Accont (TDA) 403(b) (pre- or post-tax)
• 457(b) Deferred Compensation Plan (pre- or post-tax)

• Pension - A minimum of 10 years of service credit is required to be eligible for TRF pension benefits.
• Defined Contribution (DC) account - Employees are immediately vested at 100 percent.

• Register for a retirement benefit workshop to receive: help to budget for retirement, a review of benefit estimates, an explanation of retirement options, step-by-step instructions for completing the online retirement application, information about working after retirement, answers to TRF retirement questions
• Register for a retirement benefit webinar to receive: help to budget for retirement, and explanation of retirement options, information about working after retirement, and answers to your retirement questions
• Register for a one on one session and to receive: a personalized TRF benefit estimate, explanation of TRF retirement options, step-by-step instructions for completing a TRF retirement application, information about working after retirement, and answers to TRF retirement questions

• To set up online login access click Register Now and follow the instructions or call TRF at (844) GO-INPRS to be sent a pin number via mail or email.
• Login

1. Login
2. Click on the “Application and Calculators” icon
3. Click on “Calculators” and it will bring up a TRF calculator
4. Click on the TRF calculator to go to the estimate page (note: the calculator will show current years of service which may be adjusted for a future retirement date)