CMCSS employees are either a member of the Hybrid Plan or the Legacy Plan, depending on which plan the state had when the employee was hired.
These plans are managed by RetireReadyTN, the state retirement program used by Tennessee public school systems.
Watch the brief video to see how you can find out which plan you are a member of.
The Hybrid Plan has two components and includes CMCSS contributions toward your TCRS Retirement Pension and your Empower 401K account.
Use the links below to learn the details about your plan and log in to each of your funding accounts.
TCRS Account Login (click "Need to Register?" if you have never created a username and password)
Empower 401K Login (click "Register" if you have never created a username and password)
The Legacy Plan includes CMCSS contributions toward your TCRS Retirement Pension with the option of adding employee contributions to a 401K account.
Use the links below to learn the details about your plan and log in to each of your funding accounts.
TCRS Account Login (click "Need to Register?" if you have never created a username and password)
If you are within 3 years of retiring or being retirement eligible, please contact TCRS at 800-922-7772 to request a benefit estimate and a counseling appointment.
At every prompt, just say one word - "representative."
After 3-5 times, a representative will come on the line.
Tell the rep you need a benefit estimate and an appointment for counseling, then provide them:
your retirement date
the name and birth date of your beneficiary
IMPORTANT NOTE - Only the treasury department can provide future payout amounts, to include details about amounts payable for each of the 6 survivor payout options.
Please review your Plan Member Guide (Legacy or Hybrid - linked above) for details about how the payout options work so you can choose the best fit for your needs.
2026 CMCSS Retirement Information Session Presentation Slides
2026 RetireReadyTN - Plan Dedicated Advisor Ben Straley's Presentation Slides
RetireReadyTN Contact Number: 800-922-7772
Questions about your CMCSS PayStub? Contact your school or building's payroll officer.
Thinking about retiring in the next year or so? Contact Michael Tharpe, HR Coordinator.