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Creditable Services

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For more complete information about the various types of creditable service, look at the MTRS website at mass.gov/mtrs. Forms to purchase service can be downloaded from the website or obtained by calling the MTRS at (617) 679-6877 in Boston or (413) 784-1711 in Springfield.

Buying Back Creditable Service

  • Use pre-tax vs. after-tax dollars from your 403 B/ 457/IRA
  • Buying back from other states
  • Buying back overseas. 
    (You must have 10 years teaching in MA to buy back from other states and overseas)

Forms of Creditable Service

  • Regular Service
  • Out-of-state public school teaching service up to 10 years
  • Substitute, temporary, part time teaching or tutoring
  • Maternity prior to January, 1975
  • Any unpaid leave of absence--1 month
  • Non-Public School Service--prior to 1973 up to 10 years
  • Military service
  • Peace Corps service
  • Work done in any state, county, municipality, as long as not while you are teaching
  • Part of a year counts