Category Archives: TRS

New School Year, New Laws: Retirement Benefits

In last week’s “New School Year, New Laws” blog post, we discussed changes to the ethical and professional responsibilities of Texas public school educators. These included big changes to reporting requirements for non-certified employees and the creation of a “do-not-hire” registry. This week, we will shift gears to talk about educator pensions and retirement benefits, which also saw major changes as a result of the 2019 legislative session.

Senate Bill (SB) 12 by Sen. Joan Huffman (R-Houston): Increasing funds for TRS

SB 12 was the most important bill for improving the Teacher Retirement System (TRS) that was passed during the 86th legislative session. ATPE supported SB 12 because it infused enough additional funding into the TRS pension fund in order to make it “actuarially sound.” This also made possible the issuance of a 13th check of up to $2,000 to retirees last month. SB 12’s changes also make it more likely that the TRS will be able to offer a cost of living adjustment (COLA) in the next two to four years, which could provide a much-needed permanent increase in benefits to current and future retirees.

Actuarial soundness was achieved by gradually increasing the state, educator, and school district contributions to the fund over the next six years. Through these increased contributions, SB 12 lowered the time frame needed to pay off the unfunded liability of the TRS pension fund to reach an acceptable standard under state law. For those not familiar with pension lingo, unfunded liability refers to the amount by which the cost of future benefits that a fund is obligated to pay exceed the cash on hand in the fund, similar to carrying credit card debt. While SB 12 made great strides in supporting educators who rely on TRS, Texas remains 50th in the nation when it comes to the state’s contribution rate for educator retirement benefits. Moving forward, ATPE will continue to press the legislature to improve the retirement benefits that educators so greatly deserve.

House Bill (HB) 2820 by Rep. Dan Flynn (R-Van): Deregulating 403(b) investment options

Under previous law, TRS kept a list of approved investment vendors that could offer educators 403(b) investment products. These 403(b) investment plans are similar to 401(k) plans in that they offer a tax-advantaged way to save for retirement, but 403(b) plans are designed for public employees and tax-exempt organizations, like churches and charities. HB 2820 deregulates 403(b) investment offerings by eliminating the TRS list of approved vendors, as well as the requirement that vendors abide by TRS’s caps on fees. These caps limited the amount that a vendor could charge for each transaction. Under this new law, educators who choose to invest in a 403(b) will have to more closely monitor the administrative fees they are being charged. Additionally, without the fee cap, vendors might offer investment products that are very expensive now.


Join us next week on our “New School Year, New Laws” blog series here on Teach the Vote as we will discuss legislative changes impacting charter school laws.

For more information on new laws impacting educators, be sure to read the new report from the ATPE Member Legal Services staff, “Know the Law: An Educator’s Guide to Changes Enacted by the 86th Texas Legislature.”

Teach the Vote’s Week in Review: Sept. 20, 2019

Here’s your weekly wrap-up of education news from ATPE Governmental Relations:


Ellis and Bahorich

Dr. Keven Ellis (R) of Lufkin has been appointed as the new chair of the State Board of Education (SBOE). Dr. Ellis assumes the role after the previous chair, Donna Bahorich (R) of Houston, served the maximum of two terms over the last 4 years. Bahorich presided over last week’s SBOE meetings, which we covered here on our Teach the Vote blog, and she will remain a member of the board. Dr. Ellis has been an elected member of the board since 2016, and he recently represented the SBOE as vice chair of the Texas Commission on Public School Finance. Read more about Monday’s announcement of the SBOE change of leadership here on Teach the Vote.


ELECTION UPDATE: Tuesday, September 24, will mark the eighth annual National Voter Registration Day (NVRD), a non-partisan effort to increase civic participation. For more information on NVRD and other election news, including announcements about a key senator’s retirement and the race to succeed him, check out this week’s election update from ATPE Lobbyist Mark Wiggins.


This week’s edition of our “New School Year, New Laws” blog series on Teach the Vote covers the topic of special education. Following media reports and a federal investigation that found Texas had for years imposed an arbitrary, de facto cap on enrolling students into special education programs, this year’s legislative session was heavily focused on addressing special education, from increasing funding to enacting laws to raise awareness of students’  and parents’ rights. Read the latest blog post in our series by ATPE Lobbyist Andrea Chevalier for a breakdown of new legislation that affects special education.


The TRS board met in Austin this week discussing topics ranging from healthcare affordability to retirees’ recently issued 13th check and potential office moves for the agency. Read more about the discussions in this new post by ATPE Senior Lobbyist Monty Exter, who attended the TRS meetings this week.


A pair of hearings on the subject of school safety and preventing school violence took place this week in Texas and in Washington, DC, with more meetings scheduled in the near future.

First, in the nation’s capital this week, the U.S. House Committee on Education and Labor met Wednesday for a markup of H.R. 4301, the “School Shooting Safety and Preparedness Act” filed by Rep. Tulsi Gabbard (D – Hawaii). The measure calls for an annual report by the U.S. Department of Education on school violence data and would define in federal statute the terms “mass shooting” and “school shooting.” After a heated debate, the committee approved the bill by a party-line vote of 27-22, with some Republicans on the committee, including its ranking member, deriding it as a “publicity stunt.” For members of the Texas congressional delegation serving on the committee, Democrat Joaquin Castro voted for the measure, while Republicans Van Taylor and Ron Wright voted against it.

Here in Texas, the new House Select Committee on Mass Violence Prevention and Community Safety held its first meeting on Tuesday. During the organizational meeting, committee members heard invited testimony only from state law enforcement officials and mostly focused their conversation around the topic of threat reporting and investigations. A similar select committee established in the Texas Senate will hold its first meeting next week on Sept. 26.


Highlights of the September TRS Board Meeting

The Teacher Retirement System (TRS) Board of Trustees convened in Austin this week for their regular quarterly meeting. Among items discussed by the board were space planning for the agency, creating regional TRS-ActiveCare offerings, and delivery of the 13th check to retirees.

TRS has recently been in the news with regard to new lease space in downtown Austin. Approximately 10 years ago, TRS ran out of space to house all of its employees at the 11th and Red River location. As a result, the agency moved its investment staff to leased space a few blocks away. Since that time both the TRS benefits/customer service staff and the investment team have continued to grow. Both the Red River location and the leased space are at maximum capacity now. In order to accommodate the size and needs of the investment staff, TRS has taken three floors in a new building, in which TRS is a part owner, further into downtown Austin. The board must determine whether to substantially renovate or move out of TRS’s Red River office in order to accommodate non-investment staff (primarily those working in customer service). Because all TRS costs, including staffing and space, are paid for out of the pension trust fund, these moves naturally bring up questions about whether the agency’s additional staff and office space requirements will bring in more value for TRS members than it costs to accommodate. There is no definitive way to answer this question, but ATPE and other groups representing active and retired TRS members will continue to monitor and report on the value of TRS spending.

Another program in which TRS is trying to find ways to improve its value proposition is TRS-ActiveCare. The agency staff and board members have begun looking into the development of regional ActiveCare options that school districts could choose to offer their employees. The move was prompted by actions taken by El Paso ISD over several years to try to exit the TRS-ActiveCare program. When the district could not find a way to do so under existing state laws, El Paso found a novel way to migrate most of its staff out of the state’s program and onto a new local plan, which was deemed to be cheaper than the statewide plan due to regional differences in healthcare costs. In response to El Paso’s decision and with the expectation that other districts may pursue a similar course of action, TRS is now looking into the possibility of regional options for school district employees. This project is in its preliminary stages and is something ATPE will follow closely as it evolves.

Finally, the TRS board also received an update this week on the 13th check provided to retirees as a result of Senate Bill 12 that was passed by the legislature earlier this year. The additional payment equates to the lesser of the amount of a retiree’s standard monthly annuity check or $2,000. TRS annuitants who receive their TRS payments through direct deposit received the 13th payment on September 10. The remainder of TRS retirees should have received a check in the mail by September 15. ATPE encourages any retirees who did not receive a check and believe that they should have received one to contact TRS directly.

Click here to watch a video of this week’s TRS meetings or review the board materials.

Teach the Vote’s Week in Review: Sept. 6, 2019

Here’s your weekly wrap-up of education news from ATPE Governmental Relations:


In the wake of the tragic shootings in El Paso and Odessa, Gov. Greg Abbott has issued executive orders addressing public safety. While most of the orders focus on improving agency-level responses like developing standardized intake questions and guidelines on when to submit Suspicious Activity Reports, executive orders number five and six deal directly with schools. The orders are as follows:

  • Order No. 5 The Department of Public Safety shall work with the Texas Education Agency and the Texas Higher Education Coordinating Board on ways to better inform schools, students, staff, and families about the importance of Suspicious Activity Reports and how to initiate that process.
  • Order No. 6 The Department of Public Safety shall work with local law enforcement, mental-health professionals, school districts, and others to create multidisciplinary threat assessment teams for each of its regions, and when appropriate shall coordinate with federal partners.

Learn more about the executive orders in this blog post by ATPE Lobbyist Andrea Chevalier.


Earlier this week U.S. Rep. Bill Flores (R-TX 17) announced that he would not be seeking re-election in 2020. This season has seen the announcement of a number of departures from Capitol Hill as well as many campaign launches. The special elections to fill the seats vacated by Rep. John Zerwas (R-Richmond), Rep. Jessica Farrar (D-Houston), and Rep. Eric Johnson (D-Dallas) have been set to coincide with voting on the constitutional amendments on Nov. 5th. The deadline to register to vote in the Nov. 5th election is Oct. 7. For more on the races in the upcoming election check out this blog post by ATPE Lobbyist Mark Wiggins. 


Curriculum and instruction is the subject of this week’s installment of ATPE’s blog series, “New School Year, New Laws.” This blog post examines bills such as House Bill 4310 by Rep. Harold Dutton (D-Houston) which stipulates that sufficient time be given for students to learn the scope and sequence of TEKS (Texas Essential Knowledge and Skills); and parts of House Bill 3 that provide funding for gifted and talented programs. For the full list of laws visit this blog post by ATPE Lobbyist Andrea Chevalier. 


The latest edition of the Texas Education Agency’s weekly video series, “HB 3 in 30,” covers special education and dyslexia. You can find a link to this week’s video and all previous videos here.


The Teacher Retirement System (TRS) has announced a time frame for retirees to receive their 13th ThinkstockPhotos-465016790_moneycheck. According to the TRS.Texas.gov website, retirees will receive their 13th check on or around Sept. 15, 2019. A list of frequently asked questions about the check can be found here. More of Teach the Vote’s coverage of Senate Bill 12 (the bill responsible for the 13th check) can be found in this blog post by ATPE Senior Lobbyist Monty Exter..


 

Teach the Vote’s Week in Review: Aug. 9, 2019

Here’s your weekly wrap-up of education news from ATPE Governmental Relations:


With back to school starting for millions of Texas students, it is time once again for students and teachers alike to buy school supplies. This weekend is the annual Texas Sales Tax Holiday, or “tax-free weekend,” as it is sometime called. This year’s tax holiday begins today, August 9, and runs through Sunday, August 11. During the holiday you can avoid paying sales tax when you buy most clothing, footwear, school supplies, and backpacks (sold for less than $100) from a Texas retail store or from an online or catalog seller doing business in Texas. ATPE members can also use their OfficeMax/Office Depot discount this weekend for even more combined savings.

Teach the Vote readers may have also heard about a grass roots movement started by teachers called #ClearTheList. Teachers participating in #ClearTheList or #ClearTheListsTexas post school supply wish lists on social media platforms like Facebook or Twitter, and companies or individuals will “clear their list” by purchasing the school supplies for the teacher to use in their classroom. Hopefully the day will come when we fund public schools such that these types of school supply charity drives will not be necessary, but until then – never underestimate the ingenuity or tenacity of a Texas educator to serve his or her students! To participate, type #ClearTheList or #ClearTheListsTexas into the search bar of any social media platform.

 


The Texas Education Agency is continuing to do its deep dives on the myriad new policies created with the passage of House Bill 3 with the release of another video in its “HB 3 in 30” series. This week’s video will dive into the outcomes bonus based on college, career, and military readiness, otherwise known as CCMR. A list of all previous HB 3 in 30 videos, as well as a schedule of upcoming topics, can be found at this link.

 


The movement to repeal the federal Windfall Elimination Provision (WEP), which decreases the Social Security benefits of many hard-working Texas teachers, gained media attention this week. This article by Lorie Konish of CNBC highlights recently introduced legislation by Texas Congressman Kevin Brady (R-The Woodlands) and quotes ATPE Senior Lobbyist Monty Exter. Look for more from the press and ATPE as additional bills are filed in Congress and the movement to address the WEP heats up in Washington this fall.

 


The 86th legislative session may have just ended, but that means a new election season is already upon us. Each day it seems that additional lawmakers are announcing their plans to retire as new candidates are announcing their bids to run, either to replace incumbents or for a chance to fill newly opened seats.

Without question, the 2019 legislative session was influenced in a positive way by huge voter turnout among educators and public education allies. If it weren’t for that turnout in 2018, there would likely have been no talk of an increase in teacher pay in 2019. It is critically important for educators to stay engaged this election cycle in order to maintain and improve upon the gains that were made last session, but it is also important for educators and all public servants to make sure they are expressing their political views and encouraging civic engagement among their peers in ways that are ethical and legal.

Thankfully, the Texas Educators Vote coalition, working in coordination with ATPE, has published this handy dos and don’ts guide on civic engagement around Texas elections. As educators head back to school, they can feel confident exercising their right to free speech with the aid of this guide. ATPE encourages members to check out the guide and other resources available from Texas Educators Vote on the coalition’s newly updated website, and be sure to follow Teach the Vote this fall for election updates and information to help educators stay politically active and make informed choices at the polls.

 


ATPE joined legislators and advocates from around the country this week for the National Conference of State Legislatures (NCSL) 2019 Summit in Nashville, Tennessee. This event draws together some of the brightest minds from the U.S. and abroad to discuss policy items of interest to state governments. Education is always a topic of lively discussion, and this year was no different.

Among the topics discussed were ongoing efforts to ensure all students are provided with an equally high quality of education, regardless of race or socioeconomic status. This continues to be a challenge in Texas and other states, where great disparities continue to exist both across and within school district boundaries. The U.S. Supreme Court ruled in Brown v. Board of Education in 1954 that laws passed to racially segregate schools were unconstitutional. Yet the Court’s decision in Milliken v. Bradley in 1974 essentially allowed segregation to continue as long as it is not explicitly intentional. The result has been de facto racial and socioeconomic segregation that continues in many parts of the state today, despite decades of efforts and lawsuits intended to achieve the original aim of integration.

Attendees also discussed efforts to improve the future of education, which includes working with employers to emphasize the role of the education system in creating the workforce of the future. How well we do at preparing future workers has a direct impact on the overall economy. Like Texas in 2018, many states have recently launched commissions to study ways to improve the public education system. The findings of these commissions are unsurprisingly similar to the results found by the Texas Commission on Public School Finance. For example, a commission launched by the state of Maryland found that investing in early education and better compensation for educators are both critical components of building a high-achieving education system. There is now a mounting body of evidence across the United States supporting these core determinations.


 

Teach the Vote’s Week in Review: July 19, 2019

ATPE’s Governmental Relations team is reporting from Houston this week, where hundreds of our members are here for the ATPE Summit and to celebrate the 50th anniversary of the moon landing. Here’s the latest:


ATPE State Officers for 2019-20 took their oath of office at the ATPE Summit in Houston, July 18, 2019.

The ATPE Summit, our annual convention for members, is taking place this week in Houston. On Wednesday, members had an opportunity to hear a legislative update from the ATPE lobbyists, including our Washington-based lobbyist David Pore. Topics of the presentation and a Q&A session that followed included the outcomes of the 2019 legislative session and implementation of the school finance bill, House Bill 3, along with developments related to federal legislation on Social Security. Yesterday, the ATPE House of Delegates met and elected new state officers for the 2019-20 membership year. Delegates also amended and adopted the ATPE Legislative Program, a series of statements reflecting the members’ legislative priorities.


The Teacher Retirement System of Texas (TRS) board of trustees is meeting in Austin this week. Board materials and a link to a livestream of the meeting can found here. During this week’s meeting, the board announced that TRS would distribute the 13th check provided by Senate Bill (SB) 12 this September. ATPE supported SB 12, which along with an infusion of over a billion dollars this session and additional increases in subsequent years brings the TRS trust fund into actuarial soundness. Read additional information and frequently asked questions about SB 12  here. In announcing the plans for issuance of the 13th check in September, TRS Executive Director Brian Guthrie explained that it is important for the agency to cut the check prior to the November board meeting, in case any volatility in the stock market temporarily pushes the fund over the 31-year window within which it is considered actuarially sound.


The Texas Education Agency (TEA) its continuing its video series about this year’s major school finance bill, House Bill (HB) 3. This week’s installment in the informational series focuses on changes to pre-Kindergarten laws under the bill. Check out the latest video and more HB 3 resources here on TEA’s HB 3 website.


Teach the Vote’s Week in Review: June 28, 2019

Here’s your weekly wrap-up of education news from the ATPE Governmental Relations team:


On Tuesday, the Texas Education Agency (TEA) launched a new website that will serve as a resource portal for implementation of House Bill 3. In an introductory video, Commissioner of Education Mike Morath explained that TEA will release a series of videos covering different parts of the school finance reform bill. Read more about the new TEA resource in this blog post by ATPE Lobbyist Mark Wiggins. To learn more about House Bill 3 and other legislation that passed this year, check out the ATPE lobbyists’ in-depth analysis on Teach the Vote here and here.


In their first meeting since the 86th legislative session adjourned, members of the Pension Review Board (PRB) discussed the implementation of various pieces of pension-related legislation that passed this year. The discussion included a look at bills pertaining to the Teacher Retirement System (TRS) pension fund. There was also a passing of the torch as outgoing Chair Josh McGee ended his term and incoming Chair Stephanie Liebe began hers overseeing the PRB. Read a more detailed review of the PRB meeting in this blog post from ATPE Lobbyist Mark Wiggins.

 


Pension review board discusses recent legislation

The Texas Pension Review Board (PRB) met Thursday, June 27, 2019, in Austin with a focus on reviewing pension-related legislation passed by the 86th Texas Legislature.

Members began by recognizing outgoing Chair Josh McGee, who passes the gavel to new Chair Stephanie Leibe. The PRB governmental relations team then walked the board through a handful of items resulting from the most recent legislative session. The bills include:

  • Senate Bill (SB) 2224 by Sen. Joan Huffman (R-Houston) requires every public retirement system to adopt a written funding policy that details the system’s plan for achieving a funding ratio equal to or greater than 100 percent. Each plan must be submitted to the system’s sponsor and the PRB.
  • SB 322 by Sen. Huffman relates to the evaluation and reporting of investment practices and the performance of certain public retirement systems. Public retirement systems must now include in their annual financial report information about how much investment managers are being paid, as well as hire an independent firm to evaluate the system’s investment practices.
  • SB 12 by Sen. Huffman relates to contributions into and benefits under the Teacher
    Retirement System of Texas (TRS). This bill increases the annual base employer contribution, supplemental employer contribution, and member contribution rates over a five-year period. Certain retired members will also receive a 13th check this year capped at the lesser of the amount of their monthly TRS annuity check check or $2,000.
  • House Bill (HB) 2763 by Rep. Dan Flynn (R-Canton) relates to the police pension fund in certain municipalities.

The agenda book for the current PRB meeting included additional bills related to pensions, such as HB 3. While the school finance bill does not directly address TRS, PRB staff suggest that a significant increase in the salaries of some educators could affect the financial position of TRS over the short term. You can read the full agenda book for today’s meeting here.

PRB Executive Director Anumeha Kumar also explained the agency’s legislatively approved budget, as well as the revised rule review plan for the board. This plan will lay out the process by which the board will review rules for adoption, revision, or repeal.

Staff indicated that as a result of legislation passed this session, the TRS pension’s amortization period is projected to drop from 87 years to under 30 years. This would meet the minimum requirements for being considered actuarially sound and therefore eligible to provide members a cost of living adjustment (COLA). The plan’s amortization period jumped to 87 from 32 last year as a result of the TRS board’s decision to change actuarial assumptions to reflect more conservative economic forecasts.

TRS is by far the largest active plan under the purview of the PRB, with more than $154 billion in assets. The next largest plan, the Texas County & District Retirement System, is worth $30 billion. The PRB briefly mentioned a new resource that is available for members of the public to see a snapshot of the health of the state’s various public pension plans. The Texas Public Pension Data Center can be found here.

Here’s how TRS legislation ended up in the 86th legislative session

As the 86th legislative session came to a close yesterday, there were some significant changes made to the Teacher Retirement System (TRS) that warrant a closer look.

TRS Pension Reform

Senate Bill (SB) 12 by Sen. Joan Huffman (R – Houston), sponsored in the House by Rep. Greg Bonnen (R – League City), was passed 31:0 in the Senate and 145:1 in the House on the last day to pass bills. The bill will immediately reduce the funding window on the Teacher Retirement System (TRS) pension from over 90 years to pay off the unfunded liability to under 30 years. Reducing the time frame to less than 30 years also allowed the legislature to provide current retirees with an additional pension payment during the current fiscal year. The 13th check, as the supplemental payment is often called, will be the amount of the retiree’s regular monthly annuity payment up to a maximum amount of $2,000.

ATPE was strongly in support of shoring up the TRS pension fund as it will ensure that the primary retirement income for many Texas educators will be viable for decades to come. The passage of SB 12 also saves the state and taxpayers hundreds of billions of dollars in interest on the pension fund’s liabilities, and it puts the TRS fund in a position for policymakers to begin considering a permanent cost of living adjustment for retired educators as early as the next legislative session in 2021.

SB 12 calls for the state’s contribution to immediately increase from 6.8% to 7.5% in the 2020 fiscal year, which begins on Sept. 1, 2019. The state contribution rate will then continue to increase over time until the rate reaches 8.25% in 2024. School districts not paying into Social Security currently contribute 1.5% to the pension fund. Beginning in the 2019-20, all school districts will contribute toward TRS pensions with the district rate increasing by a tenth of a percent each year beginning in the 2021 fiscal year, until the district rate reaches 2% in 2025.  Active school employees’ contributions to TRS will remain at their existing rate of 7.7% for the next two years. Employee contributions will increase to 8% in the 2021-22 school year and 8.25% the following year.

Aside from injecting more money into the TRS pension fund, SB 12 contains a few additional provisions that are worth noting. For one, the bill maintains a provision that ensures that if the state’s contribution to TRS should decline in the future, then school district and active employee contributions to the fund would be reduced by the same percentage. It is worth noting, however, that any future legislature could vote to change this. SB 12 also includes a change for the handful of school districts that currently pay into Social Security on behalf of their employees. As noted above, those districts that opt to make Social Security contributions will no longer enjoy an exemption from paying into TRS, which Rep. Greg Bonnen said would add about $20 million per year to the fund. Only institutions of higher education will now be exempt from participating in contributing into the TRS pension fund for their covered employees.

Here is a summary of the details provided by TRS staff on how the final adopted version of SB 12 is funded over time:

 

TRS Healthcare

ATPE hoped that the conference committees for SB 12 and House Bill 3, the omnibus school finance bill that also passed, would find better ways to help active and retired teachers deal with the rising costs of their healthcare. There were internal discussions about increasing the state share of active employee health insurance costs. Currently, the state pays $75 per month toward premiums and requires school districts to pay a minimum of $150 per month on behalf of their staff. Employees cover the rest of the cost of their health insurance premiums. SB 12 significantly increases the state’s share of contributions going into the TRS pension system, and the final version of HB 3 does require districts to spend additional dollars on employee compensation (which could include increasing the district’s share of health insurance costs). Despite these improvements, neither bill addressed the inadequacies of the state’s share of active employee premiums in the end.

State lawmakers did make good on their pre-session promises not to raise TRS-Care rates for retiree health insurance. The state budget in House Bill 1 includes $230 million in supplemental funding to cover the projected shortfall in the TRS-Care trust fund. State leaders pushed TRS not to raise rates last fall when it became apparent that the amount of the shortfall for the upcoming biennium was going to be less than originally projected. The savings were largely due a combination of successful TRS contract negotiations and favorable provisions of the federal Affordable Healthcare Act taking effect. Unfortunately, barring a substantial change in the healthcare landscape, the projected shortfall for the 2022-2023 biennium is much larger than what lawmakers had to deal with this session to address the shortfall expected for the next two years.

TRS releases ActiveCare rates for 2020

The board of trustees for the Teacher Retirement System (TRS) of Texas met in Austin this week. Of note on their agenda was a discussion of proposed TRS-ActiveCare pricing for 2020.

Overall, the premiums for all ActiveCare plans will be increased by 3.9 percent on average, which is significantly lower than market averages, with the average increase for the ActiveCare I – High Deductible plan and ActiveCare Select at 3 percent and the increase for the ActiveCare II plan at 8.9 percent.

Note: ActiveCare II was closed to new enrollees after the 2018 plan year.

You can see the exact premium increases and benefits changes for the different coverage options on the attached rate card, or for more in-depth information, view the TRS Benefits Committee board board book at pages 16-31.

If you have questions about TRS-ActiveCare plans, visit the TRS-ActiveCare web page or call 1-800-222-9205.