Retired Members

2024 Direct Deposit Schedule
January 2 July 1
February 1 August 1
March 1 September 3
April 1 October 1
May 1 November 1
June 3 December 2

The following is important information about your SPTRFA 1099-R for the tax year 2023:

Your SPTRFA 2022 1099-R was mailed on January 12, 2024.

Click here to view an example 2023 tax year 1099-R form.

If you have questions regarding this information, please email us at

The SPTRFA sends a 1099-R Form in January for the prior year’s benefits received. Similar to a W-2 form from an employer, the 1099-R reports your annual benefit payments for the previous year.

As a retired member of SPTRFA, you may have questions about your benefits and the retirement laws and regulations that apply to you.

The SPTRFA is committed to helping you get the retirement information you need. We encourage you to explore all the resources on our website. If you have specific account questions, please contact us at 651-642-2550.

Returning to Work?

What you need to know about Break-In Service Law

In response to a number of questions we’ve received recently, we thought we’d highlight the “Break in Service” rule.

In order to have a right to receive your retirement benefit from SPTRFA, Minnesota law requires a “complete and continuous separation for 90 days from employment in any form with Independent School District No. 625.”  Importantly, “employment” for this purpose includes “service provided to the school district as an independent contractor or as an employee of an independent contractor.”

Under this rule, for example, employment with Teachers on Call for service as a substitute teacher in District 625 within 90 days of your final date of employment with District 625 would result in a failure of the Break in Service rule.

Please be advised that Minnesota law requires the SPTRFA to recover, with interest, amounts received by a member who fails to satisfy the Break in Service rule.

What you need to know about Earnings Limitations

Are you planning to work with St. Paul Public Schools (SPPS) during retirement?  Here’s what you need to know about working after you begin receiving your St. Paul Teachers’ Retirement Fund Association (SPTRFA) pension benefits.

When a retired member returns to work with SPPS they are subject to an earnings limitation as defined by Social Security of $46,000. If the retiree earns more than the $46,000 earnings limitation in a calendar year, then, in the following calendar year, $1 in benefits will be reduced from your pension for each $3 of excess earnings above the limit.  Any recovered earnings will remain with SPTRFA.

For new retirees who are retired for part of the calendar year, the earnings limitation will be prorated.

The earnings limitation does not apply once you reach Social Security’s normal retirement age or return to work with another school district in Minnesota.

New Update:  During the 2022 legislative session, a law was passed that temporarily suspends the $46,000 earnings limitation for retirees returning to SPPS positions for calendar years 2022, 2023 and 2024. 

Contact us for more information.