When you earn four years of TCDRS service time, your beneficiary becomes eligible for a lifetime monthly benefit with employer matching should you pass away before you retire. Your beneficiary does not need to wait until you would have been eligible to retire; he or she can begin taking the benefit immediately.
You don’t have to keep working for a county or district to retain this benefit. As long as you have money in your account and you have at least four years of TCDRS service time, your beneficiary can choose a lifetime monthly benefit.
Your beneficiary can choose to withdraw the account, but that withdrawal would not include employer matching. If you prefer, you can remove the withdrawal option for your beneficiary to ensure he or she receives a lifetime monthly benefit that includes employer matching.
If you are not eligible for the Survivor Benefit, your beneficiaries get your account balance, including deposits and interest, as a one-time payment.
If you have questions about the Survivor Benefit, call TCDRS Member Services at