For Inactive IMRF Members, a Member Access Account is Very Important
With a Member Access account, you can:

  • View your annual Member Statement

  • View your account balance and service credit

  • Keep your contact information up to date

  • Apply for a refund of your contributions

If you need to create a Member Access account, please either call 1-800-ASK-IMRF (275-4673) to request your registration key and receive registration assistance, or click here to request that a new registration key be mailed to you.
 
To watch a video on how to create a Member Access account, click here.


If you are planning to work for an IMRF employer again in the future and hope to become vested in your IMRF pension, this FREE webinar about your IMRF benefits and planning ahead for retirement may be of interest to you.

An IMRF Field Representative will explain how IMRF pensions are funded, your benefits as an IMRF member, and the importance of having more than one savings vehicle as you prepare for your eventual retirement.

Your Glass is Half Full: Understanding Your IMRF Benefits Workshop webinar dates:
 
  • Tuesday, December 7, 12 PM - 1 PM

  • Wednesday, January 12, 12 PM - 1 PM

  • Thursday, February 24, 12 PM - 1 PM

  • Monday, March 21, 12 PM - 1 PM

  • Wednesday, April 13, 5 PM - 6 PM
 
For more information, or to register for a Your Glass is Half Full Workshop webinar, click here for the December webinar or click here for any of the other dates.
Refunds and Rollovers of Your IMRF Contributions
If you have left your IMRF employer and are not planning to work for an IMRF employer or Illinois Reciprocal System employer in the future, you can request a refund of your IMRF contributions.

However, by taking a refund, you will forfeit any IMRF service credit you have earned. For more information to help you decide whether taking a refund is right for you, visit IMRF's Refunds for Inactive Members web page. If you take a refund, you may want to consider rolling it into a qualified retirement account.

Rolling Over Your Refund Offers You Tax Benefits

  • When you rollover your refund into an IRA (other than a Roth IRA) or other eligible retirement savings account, your contributions remain sheltered from taxes until you withdraw them.

  • If you roll over your refund into a Roth IRA, you will have to pay taxes up front; however, as long as you follow the withdrawal rules you can withdraw your money tax free – even the increase on your original amount that was earned as investment income.

  • If you receive a direct payment instead of rolling your refund over, IMRF is required by federal law to withhold 20% of the taxable portion of your refund, unless you elect to have the taxable portion directly rolled over into an IRA or other qualified retirement plan.

  • Depending on your age, you may also be liable for an additional 10% tax on the taxable portion of your refund. You may defer the additional 10% tax by directly rolling your refund into a traditional IRA or other qualified pension plan.
Member Access - How to...
Apply for a Refund of Your IMRF Contributions Online
To apply for a refund of your IMRF contributions online, log into your Member Access account. Select the My Account tab at the top of the page. Click on Apply for a Refund of Contributions.
If you need to create a Member Access account, please either call 1-800-ASK-IMRF (275-4673) to request your registration key and receive registration assistance, or click here to request that a new registration key be mailed to you.
To watch a video on how to create a Member Access account, click here.
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