Answer: You cannot borrow from your member contributions nor can you use them as collateral for a loan. They also cannot be garnished or seized by any creditor. As long as your contributions remain on deposit with IMRF, they are protected from your creditors. This restriction is determined by Article 7 of the Illinois Pension Code.

Answer: At this time and for your protection, your address cannot be changed by email. Your actual written signature is required. To change your address with IMRF you may either complete IMRF Form 6.20 or simply send your request on a piece of paper that must include: the date, your new address, your name and Social Security number, and your signature. This may be mailed or faxed (630-368-5397) to IMRF.

Answer: Your IMRF annual member statement includes this information once you have eight or more years of service credit. You may also request a pension estimate from IMRF by calling 1-800-ASK-IMRF (1-800-275-4673), or by completing and submitting Form BF-20 (Pension Estimate Request) to IMRF. You may also get a rough pension estimate by accessing our pension calculator.

No, at this time, no loan provisions are allowed with the State Retirement Systems. However, there may be loan provisions through supplemental retirement plans such as 401(k) and 403(b).

No. the StanCERA Retirement Board has not adopted 1937 Act provisions to make home loans available to members.

This will be determined by the lender based on your repayment ability and the appraised value of the home. For information on how lenders determine repayment ability, click here.

Answer: To make any change (add or remove) to your beneficiary(ies), you must complete a new Form 6.11 (Designation of Beneficiary). You must sign, date, and file this form with IMRF. Your new Designation of Beneficiary form is valid upon receipt by IMRF. Please note that although we can accept the signature of a representative for name and address changes, we cannot accept the signature of anyone other than the member to change a beneficiary.

Answer: To receive a refund, you must have stopped working for your IMRF employer. You cannot take a refund of your IMRF contributions if you have left your IMRF-qualified position but are still working for the same employer. For example, if you were working for a school district as a teacher's aide and participated in IMRF, then accepted a teacher's position and joined TRS, you cannot take a refund of your IMRF contributions. You must then complete IMRF Form 5.

Answer: A Hand Up, Inc. is entirely volunteer run. We do have expenses that need to be covered like rental fees for our storage unit, office supplies and government filing fees and insurance fees.

Answer: Check your local library's catalog to see if the book is available. If the book is not owned by the library, you can borrow the book from the National Library of Medicine. After locating the book, ask your local library to send an Interlibrary Loan (ILL) request to NLM. Contact your library for information on its ILL services and fees. For further information, visit "Getting Articles and Borrowing Books", (http://www.nlm.nih.gov/services/faqill.html).

Members may contribute up to 100% of their disposable (net) pay. Contributions may be made either by a savings allotment with a unique bank routing number, or by cash (or check) deposit. Make the deposit or start the allotment at your local pay office. When reviewing your statement, keep in mind that there may be a delay in the posting of cash deposits.

Any contributions go towards paying for development and running costs involved in the UKRag.net project which is rapidly becoming a 3 hour a day job. Recently they have made a new child project "Youthzone.net" possible and helps tackle similar goals to UKRag.net but aimed more at schools and teachers. Additionally they cover the hosting costs incurred from by this site.

You can open your account with as little as $20 per month through ACH or for a minimum of $100 you can open a voluntary periodic payment account with minimum subsequent contributions of $20. (These amounts apply to the Growth, Equity Income, Balanced, and Government Bond options. The Primary and Money Market options have a minimum of $100 for automatic bankdraft.) The SM&R Alger options have a minimum initial investment of $500 and minimum of $50 for subsequent contributions.