Watch New On-Demand Webinar Explaining IMRF Benefits

"Your Benefits Roadmap" is a new on-demand webinar that will walk through all of the information you need to know as an IMRF member, including:

An overview of IMRF and how it works.
An explanation of your benefits from retirement to disability.
The benefits of the Voluntary Additional Contributions (VAC) program.
Online resources available to you.

This new webinar is also available in Spanish!

Watch Now

Enroll in VAC to Increase Your

Retirement Savings

One of the best things you can do as you prepare for retirement is to start saving early, especially when there are questions about the solvency of Social Security and what will happen in the future.

IMRF members already have a head start by contributing to one of the best funded pension systems in the nation.

IMRF also allows you to save even more through its Voluntary Additional Contributions (VAC) program. Members can save up to 10% of their income each paycheck to a special investment account with IMRF. Contributions are made after tax.

In the public market, the safest investment funds (CDs or high-yield savings accounts) typically earn an interest rate between 3-5%. The savings you add to your VAC account earn 7.25% interest every January 1.

Over time, contributing to your VAC can significantly increase your monthly pension payment from IMRF.

The graphic to the left shows how saving a small portion of your monthly salary can dramatically increase your retirement savings.

Visit our website to learn more about VAC and how to sign up.

Create Your Member Access Account Today

Having a Member Access account allows you to get important documents and connect with IMRF on your schedule.

Create an account today to safely and securely:

Send IMRF secure messages.
Update contact information like your address and phone number.
Download the form to sign up for the Voluntary Additional Contributions (VAC) program.
Update your beneficiaries.

Visit the Member Access Learning Center for "How To" guides and more.

IMRF Achieves 97.4% Actuarial Funded Status

Every year IMRF publishes its Popular Annual Financial Report (PAFR), which provides a look at its financial health.

One of the key take aways is that IMRF is 97.4% funded. This means that IMRF has over 97 cents for every dollar it will pay to current and future retirees and members.

Most importantly, this means that IMRF members do not need to worry about whether their retirement contributions will be there in the future, regardless of when you are able to retire.

Some other highlights from the report include:

IMRF had a net return rate of 14.2%
Its portfolio grew by $6.4 billion to $61.7 billion.

Download Individualized Documents from Member Access

Thinking about signing up for the Voluntary Additional Contributions (VAC) program?

Get the form you need to sign up (plus many others) through YOUR Member Access account.

These documents are individualized and contain a barcode to help make entering this data faster.

Learn more about how to create your documents in the Member Access Learning Center.

Strategic Plan in Action

Every three years IMRF creates a Strategic Plan to guide its growth for the future. Since January, IMRF has been implementing its 2026-2028 Strategic Plan focusing on plans to improve operations and customer engagement. Learn more about what IMRF has been doing here.

IMRF Website

Member Access

IMRF News

800 COMMERCE DR, OAK BROOK IL 60523-2196 (Main Office)

3000 PROFESSIONAL DR, STE 101, SPRINGFIELD IL 62703

Member-only Phone: 1-800-ASK-IMRF (275-4673)