Pension change notices for March are now available in Online Services. Notices are available online only, but may be printed from your account. This notice will only be added to your account if there has been a change in your net monthly pension payment.

To view your notice, register for or log in to your Online Services account and choose “My TRAF Documents.”

Effective July 1, 2025, TRAF will grant a cost of living adjustment (COLA) of 1.60% to eligible members receiving a TRAF pension.

To learn more, visit Cost of Living Adjustment (COLA).

Your 2024 T4A is now available in your Online Services account. Log in or register today. Paper copies were mailed in mid-February.

If you return to teach under contract in a position covered by TRAF while collecting your pension and work more than 120 full days in a school year (including substitute service), your pension will be suspended on the 121^st day and you must again contribute to TRAF. You are required to notify your employer(s) that you are receiving a TRAF pension and you will be required to track the number of days you work and notify your employer(s) and TRAF when that number reaches 120 days. Your employer is also required to notify TRAF in writing when the number of days is expected to reach 120 days.

The 120-day rule does not apply if you are age 65 or older and have at least 15 years of qualifying service before reaching your 121^st day.

If you have returned or plan to return to teaching (or any other position covered by TRAF) after retirement, it is important that you understand all of the rules that apply, including both the 120-day rule and the 90-day rule, and the impact they may have on your pension.

For more information, please refer to the Teaching After Retirement fact sheet. We also encourage you to contact us to discuss your personal situation.

A “Special Edition Newsletter Focused on Sustainability” is now available, which focuses on the plan’s funding, account structure and long-term financial outlook. 

Whether you’re early or mid-career, or approaching or enjoying retirement, it’s important to understand the financial outlook of your pension plan.

2024 annual statements are now available through Online Services.

Your annual statement provides important information such as when you are eligible to apply for your pension, projected gross monthly pension estimates, your termination benefit and your pre-retirement survivor’s benefit. It also confirms your beneficiary designation in the event you pass away before your pension begins.

Log in or register for Online Services to review this important information.

Read the fall 2024 editions of The Link (for active and deferred members) and The Horizon (for retired members). News stories include an article on the impact of inflation on your pension, funding valuation results, July 2024 retirement statistics and an announcement about TRAF’s 100^th anniversary.

To add a further layer of security to your Online Services account, you will be asked to set up MFA upon registering or logging in.

When you receive this invitation, signing up for MFA will be mandatory.

Learn more about how to register for Online Services and set up MFA by watching a step-by-step video or reviewing the fact sheet.

The 2023 Annual Report is now available. Read the report for details on governance, member services, funded status of the plan, cost of living adjustments, investments and more.

In 2023, the TRAF investment portfolio generated a return of 8.34% net of investment expenses, compared to the benchmark return of 9.29%. Longer-term returns remain well above our benchmark, having generated 0.72% in additional return over the past 20 years. For a breakdown of the investment returns, net of expenses, for the total portfolio and each asset class over the one-year, five-year, 10-year and 20-year periods, see Investment Performance.