Frequently Asked Questions
The Retirement Fund is a private trust, established originally pursuant to a Declaration of Trust, dated January 1, 1948 (the “1948 Trust Agreement”). The Retirement Fund is a contributory defined benefit retirement plan for a single employer, and, as a governmentally sponsored plan, is exempt from the Employee Retirement Income Security Act of 1974 (“ERISA”). The Retirement Fund is governed by two documents: (i) the Amended and Restated Trust Agreement, dated July 19, 2019 (the “Trust Agreement”), by and among the Massachusetts Bay Transportation Authority (the “Authority”), Local 589, Amalgamated Transit Union, AFL-CIO (the “Union”), and the Retirement Board of the Retirement Fund, which superseded the 1948 Trust Agreement and the October 28, 1980 Amended Trust Agreement, and (ii) the Pension Agreement, dated as of July 1, 2014 (the “Pension Agreement”), which is the product of a collective bargaining agreement between the Authority and the Union. Capitalized terms not defined herein have the meanings ascribed to them in the Pension Agreement.
These frequently asked questions (these “FAQs”) are being provided to you for informational purpose only. Nothing in these FAQs is intended to supersede the terms and conditions of the Trust Agreement or the Pension Agreement. Notwithstanding anything to the contrary herein, the Retirement Fund reserves its rights to enforce the Pension Agreement and the Trust Agreement according to its literal terms which shall govern if, and to the extent, those terms differ from anything set out in these FAQs.
- The period of time an employee is not working due to an injury on the job and is being paid workers’ compensation.
- The period of time spent in the military service by an employee who was a member of the Fund before leaving for military service, for which a maximum credit of 4 years is allowed, if such time occurs during a period of national emergency or such military service is compulsory.
No optional benefit for spouse
33 1/3% without pop-up
25% without pop-up
50% with pop-up
33 1/3% with pop-up
25% with pop-up
5, 10 or 15 years term certain benefits
Yes. When a member is out of work and receiving Workers’ Compensation payments, it does count as creditable membership service.
This means that your pension benefit will be directly reduced by the amount of the Workers’ Compensation benefit that you receive.
Workers’ Compensation payments that are based on an injury different from the injury that qualified you for a disability pension will not affect your disability retirement benefit.
The MBTARF Pension is not taxable in the state of Massachusetts. Retirees residing in Massachusetts should not include their pensionable earnings from the MBTA Retirement Fund as income on their Massachusetts return.
All questions should be directed to the MBTA Retirement Fund at One Washington Mall, Boston, MA 02108 (617) 316-3800 or (800) 810-6228