The DTRFA Member Handbook is a complete guide to your membership in the DTRFA. You will find information about the DTRFA including governance of the plan, contribution requirements, retirement benefits, leaves of absence, disability and survivor benefits as well as retirement planning information and much more. Click here to view the handbook

Disability benefits may be available to members of the Duluth Teachers' Retirement Fund who meet certain criteria. Read this brochure to find out more.
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A member of the Duluth Teachers' Retirement Fund who is granted a documented leave of absence by the Duluth Public Schools may be eligible to continue to participate in the Association by purchasing allowable service credit for the period of leave. This may be a great benefit to you as it allows you to increase your monthly pension amount at retirement time. Read this brochure to find out more. Click here to open the brochure

Members who terminate employment with the Duluth Public Schools may receive a refund of the contributions they have made to the retirement fund. This brochure explains options available to members when they leave the employment of the school district before reaching retirement age, and the consequences of taking a refund.

If you are a former member of the DTRFA who took a refund in the past, the brochure also explains the option of repaying the refund under certain conditions in order to restore your account at the DTRFA. Click here to open the brochure

The Minnesota Combined Service Law provides certain privileges to DTRFA members with service credit in other qualified Minnesota public pension funds. Read this brochure to find out more.
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Are you ready for retirement? This checklist outlines most of the important steps you need to take prior to retiring. Click here to display the checklist

This is a description of the terminology used on the Retirement Benefit Estimate.
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This brochure explains the Duluth Public Schools Earned Medical Plan for members of the Duluth Federation of Teachers. Click here to display the document

This is a list of reminders for retired members. Topics covered include tax withholding, direct deposit, the pop-up benefit feature, retiree earnings limit, change of address, and age 70 1/2 mandatory distribution rules.
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A retired member of the Duluth Teachers' Retirement Fund that goes back to work for ISD #709 may fall under a retiree earnings limit. If you are a retiree who is considering going back to work for ISD #709, this brochure will give you more information. Click here to open the brochure

This is the most recent quarterly report showing the investment performance of the funds in the Tax Deferred-403(b) for the last quarter, year, as well as for the past two, three, five and ten year periods.
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This brochure answers basic questions about tax deferred saving.
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This brochure contains detailed information of the three investment funds: the Equity Fund, the Bond Fund, and the Money Market Fund. In this brochure you will find information about the investment firms that are retained to invest the assets, the investment styles of these firms, the past investment performance of the three funds, and the fees that are charged. Click here to open the brochure

Do you wonder how to choose the right funds for your retirement assets?  This document provides a way to invest your retirement assets in a careful approach considering historical market risks and returns and your time horizon. Click here to open the document

This chart provides a picture of how the assets in the Equity Fund are invested. Click here to open the brochure

This document provides a history of monthly unit values for the Equity, Bond and Money Market Funds.
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Not sure if you should participate in a Tax Deferred Account? This document shows why it may be a good idea for you. Click here to open the brochure

This document explains the policies that govern the DTRFA's Tax Deferred - 403(b).
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This brochure provides information on the age 70-1/2 Required Minimum Distribution rule of the IRS.
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