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Pension Information

The City of Memphis Retirement System (Plan) is designed to help you enjoy an important part of your future….your retirement. 

The Plan is a defined benefit pension plan established to provide retirement benefits for eligible employees and their beneficiaries. In addition, the Plan may also provide benefits if you die, become disabled, or leave before retirement.

Article 5-Drop Program

The Hybrid Pension Plan

401(a) Plan Highlights

COM Pension Plans

Commissioned Officers

Drop Program Q&A

General Employees

Drop Freeze Ordinance

CoM Pension FAQs

Hybrid General Employees Summary

Social Security vs Pension (timeline)

Hybrid Police & Fire Summary

Pension Forms

Empower RetireSmart

Empower Retirement Deferred Compensation Virtual 1 on 1