How Do I…
Change My Beneficiary?


At retirement, you designate a beneficiary for your retirement annuity. At that time, your beneficiary designation is “locked in.”

After retirement, changes to beneficiary designations are more limited. Specifically, if you retired under:

  1. The Retiree Life Only option, you can change your beneficiary in MyTMRS by logging on and clicking the blue Update button on the right side of the Beneficiaries tab. Beneficiary choices that require spousal consent (if you are married, and naming a beneficiary other than your spouse) still require a paper form (obtained by calling TMRS 800.924.8677) with a signature. MyTMRS will alert you if spousal consent is necessary and will direct you to the correct form.
  2. The Retiree Life – Guaranteed Term option (5, 10, or 15 Years), you can change your beneficiary in MyTMRS by logging on and clicking the blue Update button on the right side of the Beneficiaries tab. If you are married, spousal consent is needed and TMRS will require a paper form (obtained by calling TMRS 800.924.8677) with a signature. MyTMRS will alert you if spousal consent is necessary and will direct you to the correct form.
  3. The Retiree Life — Survivor option (100%, 75% or 50%), you cannot change your retirement beneficiary, unless your beneficiary predeceases, or you were awarded 100% of your annuity in a divorce. For more information about divorce, please see our Divorce and Retirement publication. The retiree life/survivor option plans are based on the projected life expectancies of both the member and surviving beneficiary as determined by an actuarial valuation of the total deposits and a determination of how long TMRS will pay an annuity according to the benefit option selected.

If you marry and want to change your retirement option and beneficiary designation to provide a survivor benefit for your new spouse, this change can be made only one time and must be done before your first anniversary date.

If the city you retired from offers the Supplemental Death Benefit (SDB), at the time of your death a benefit in the amount of $7,500 will be paid to your beneficiary upon your death. If your city offers such coverage, you can designate a separate beneficiary in MyTMRS by logging on and clicking the blue Update button on the right side of the Beneficiaries tab. If a separate beneficiary designation is not received, this benefit will be paid to your retirement beneficiary. You can also designate this beneficiary by using a paper form that you must print, complete and return to TMRS.

Contact TMRS at 800.924.8677 for additional instructions for updating your beneficiary for any post-retirement beneficiary changes.