Human Resources
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Employee Discounts

Kentucky Retirement System (KRS)

For employees in positions that do not require a Bachelor's Degree


Non-Hazardous members hired prior to September 1, 2008:
The requirements for an Unreduced Benefit are:
  • Age 65 or older, with at least 1 month of service credit may elect to receive a benefit for life that is an actuarial equivalent to twice the member’s contributions and interest.
  • Age 65 or older, with at least 48 months of service credit is eligible to receive an unreduced monthly benefit for life based on the member’s salary and service credit.
  • 27 or more years of service credit can retire at any time with no reduction in benefits.
The requirements for a Reduced Benefit are:
  • At least 25, but less than 27 years of service credit, may retire at any time, prior to age 65, with a reduction in benefits.
  • Age 55, with at least five (5) years of service credit may retire with a reduction in benefits.
Non-Hazardous members hired on or after September 1, 2008:
The requirements for an Unreduced Benefit are:
  • Age 57 or older, may retire with no reduction in benefits if the members age and years of service equal 87 (Must have five complete fiscal years of service).
  • Age 65, with at least 60 months of service credit may retire at any time with no reduction in benefits (Must have five complete fiscal years of service)
The requirements for a Reduced Benefit are:
  • Age 60 or older, with at least 120 months of service credit may retire with a reduction in benefits.
  • If a member is eligible for a reduced benefit, the amount of reduction will depend upon the member’s age or years of service at retirement.

Employee Contribution Rate 5%

Employer Contribution 26.79

Employees with a participation date on or after September 1, 2008 contribute an extra 1% to be deposited into the Insurance Fund



Retirement income is based on member's contributions and years of service. For information on the appropriate formula to calculate monthly benefit see https://kyret.ky.gov.