# Tennessee SB 0510: AN ACT to amend Tennessee Code Annotated, Title 8, Chapter 25; Title 8, Chapter 34; Title 8, Chapter 35; Title 8, Chapter 36 and Title 8, Chapter 37, relative to retirement. Tennessee SB 0510, AN ACT to amend Tennessee Code Annotated, Title 8, Chapter 25; Title 8, Chapter 34; Title 8, Chapter 35; Title 8, Chapter 36 and Title 8, Chapter 37, relative to retirement., is a 114th General Assembly (2025-2026) Senate bill sponsored by no sponsor on record; status signed, last action 2025-05-13 (Effective date(s) 05/05/2025); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/TN-SB0510-2025-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Tennessee SB 0510 - State: Tennessee - Session: 114th General Assembly (2025-2026) - Title: AN ACT to amend Tennessee Code Annotated, Title 8, Chapter 25; Title 8, Chapter 34; Title 8, Chapter 35; Title 8, Chapter 36 and Title 8, Chapter 37, relative to retirement. - Status: signed - Chamber: Senate - Introduced: 2025-01-30 - Last action: 2025-05-13, Effective date(s) 05/05/2025 - Sponsors: no sponsor on record - Cosponsors: 0 - Subjects: Pensions and Retirement Benefits - Touches household money: yes - Roll calls: 3 (132 yes, 0 no in all) - Economic provisions PRIA read: 15 ## Summary No summary available. ## Bill overview: provisions PRIA read - Hybrid workers get employer retirement deposits: benefit, high. Employers must put 5% of each participating hybrid-plan worker's salary into the plan's retirement savings account. This applies even when the worker contributes nothing. For K–12 teachers, the local education agency pays this amount in addition to any applicable match. Local governments adopting t… - State workers get matching retirement money: benefit, medium. Beginning July 1, 2021, participating state workers get a dollar-for-dollar employer match on their monthly retirement-plan contributions. The match covers up to $50 per month. The annual state budget can set a higher monthly maximum. - Tax-offset pay counts toward worker pensions: benefit, medium. Tennessee retirement calculations count payments made to offset tax bills or repay withholdings required by state or federal law. These payments are included in the pay used to calculate retirement benefits. The effect on a worker's pension depends on their pay and benefit formula. - Members gain SIMPLE retirement account rollovers: benefit, low. Tennessee retirement-system members can roll money from a qualifying SIMPLE IRA into the retirement plan. At least two years must have passed since the first contribution to that account. - Retirees gain limited beneficiary change options: benefit, low. Retirees without an optional payment plan can change beneficiaries by filing a properly signed written designation. Those with an optional payment plan generally cannot change beneficiaries after retirement. They can cancel a designation after the beneficiary's death or divorce, with written reques… - Returning retirees face employment restoration rules: cost, low. Retirees taking part-time work with a participating employer are treated as restored to employment under Tennessee's retirement rules. This applies even when they cannot qualify for retirement-system membership. The provision does not state a specific benefit reduction or suspension. - County and city officials join retirement: mixed, high. Full-time county judges and officials taking office beginning July 1, 2025, must join if their county participates. Full-time city judges and attorneys serving on or after that date must join if their city participates. They receive benefits and contribute on the same basis as other local employees… - Election commissioners get new pension rules: mixed, high. Current or former State Election Commission members with at least five years of service qualify for retirement membership. Members taking office beginning July 1, 2025, must join; earlier officeholders are eligible under the law's rules. Members covered by the election rule, without maintained prio… - More public officials must join retirement: mixed, high. Beginning July 1, 2025, people taking covered public positions generally must join Tennessee's retirement system, subject to a statutory exception. This includes new state judges, district attorneys general, and lawmakers; membership can require paycheck contributions. Earlier final participation o… - Part-time public workers get default retirement: mixed, high. Beginning July 1, 2025, newly hired, covered part-time state workers and teachers join Tennessee's retirement system by default. Part-time local workers also join if their employer participates and allows part-time coverage. Workers can opt out in writing within 30 calendar days after their first w… - Local board members gain retirement coverage: mixed, medium. Covered local board members taking office beginning July 1, 2025, must join retirement when their employer authorizes participation. Earlier officeholders are eligible under these rules. Covered boards handle duties such as rates, permits, professional regulation, advice, studies, or planning. Appr… - Retirees gain new survivor payment choices: mixed, medium. New Options 5 and 6 give retirees a lower lifetime payment in exchange for survivor income. After the retiree dies, the named beneficiary receives 70% of the retiree's payment rate for life. Under Option 6, if the beneficiary dies first, the retiree's payment returns to the amount payable without t… - Retirement overpayments face collection or waiver: mixed, medium. Tennessee's retirement system can recover mistaken payments from members, beneficiaries, or others not entitled to the money. Methods include bank recovery, reduced benefits, repayment agreements, collection agencies, estate claims, lawsuits, and methods approved by the state treasurer. Participati… - Retirement payments get mandatory start deadlines: mixed, medium. Retirement payments must start by the later of two dates: April 1 after the applicable age year or service-ending year. The age is generally 70½, or 72 for people born on or after July 1, 1949; federal law can change it. Without an application, the system starts payments unless the member selected… - Public retirement plans face approval checks: mixed, low. Participating public employers need the retirement-system director's approval for tax-deferred retirement plans that include employer contributions. Local defined-benefit plans established and maintained before May 17, 2023, can remain outside the statutory public employee retirement-system definit… ## Sponsors and cosponsors - (none) ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-04-16 | House | FLOOR VOTE: REGULAR CALENDAR PASSAGE ON THIRD CONSIDERATION 4/16/2025 | pass | 93 | 0 | | | 2025-04-07 | Senate | FLOOR VOTE: as Amended Third Consideration 4/7/2025 | pass | 32 | 0 | | | 2025-04-01 | Senate | SENATE STATE & LOCAL GOVERNMENT COMMITTEE | pass | 7 | 0 | | ## Actions (27) - 2025-05-13: Effective date(s) 05/05/2025 - 2025-05-13: Pub. Ch. 367 - 2025-05-05: Signed by Governor. (Senate) - 2025-04-23: Transmitted to Governor for action. (Senate) - 2025-04-22: Signed by H. Speaker (House) - 2025-04-22: Signed by Senate Speaker (Senate) - 2025-04-22: Enrolled and ready for signatures (Senate) - 2025-04-16: Passed H., Ayes 93, Nays 0, PNV 0 (House) - 2025-04-16: Am. withdrawn. (Amendment 1 - HA0088) (House) - 2025-04-16: Subst. for comp. HB. (House) - 2025-04-09: Rcvd. from S., held on H. desk. (House) - 2025-04-07: Engrossed; ready for transmission to House (Senate) - 2025-04-07: Passed Senate as amended, Ayes 32, Nays 0 (Senate) - 2025-04-07: Senate adopted Amendment (Amendment 2 - SA0316) (Senate) - 2025-04-07: Senate adopted Amendment (Amendment 1 - SA0314) (Senate) - 2025-04-04: Placed on Senate Regular Calendar for 4/7/2025 (Senate) - 2025-04-01: Recommended for passage with amendment/s, refer to Senate Calendar Committee Ayes 7, Nays 0 PNV 0 (Senate) - 2025-03-26: Placed on Senate State and Local Government Committee calendar for 4/1/2025 (Senate) - 2025-03-25: Action deferred in Senate State and Local Government Committee to 4/1/2025 (Senate) - 2025-03-19: Placed on Senate State and Local Government Committee calendar for 3/25/2025 (Senate) - 2025-03-18: Action deferred in Senate State and Local Government Committee to 3/25/2025 (Senate) - 2025-03-11: Placed on Senate State and Local Government Committee calendar for 3/18/2025 (Senate) - 2025-03-04: Action deferred in Senate State and Local Government Committee to 3/18/2025 (Senate) - 2025-02-25: Placed on Senate State and Local Government Committee calendar for 3/4/2025 (Senate) - 2025-02-12: Passed on Second Consideration, refer to Senate State and Local Government Committee (Senate) - 2025-02-10: Introduced, Passed on First Consideration (Senate) - 2025-01-30: Filed for introduction (Senate) ## Bill text - Enrolled / Public Chapter: [PDF](https://publications.tnsosfiles.com/acts/114/pub/pc0367.pdf) - Fiscal Note: [PDF](https://capitol.tn.gov/Bills/114/Fiscal/HB0535.pdf) - HA0088: [PDF](https://capitol.tn.gov/Bills/114/Amend/HA0088.pdf) - Introduced: [PDF](https://capitol.tn.gov/Bills/114/Bill/SB0510.pdf) - SA0314: [PDF](https://capitol.tn.gov/Bills/114/Amend/SA0314.pdf) - SA0316: [PDF](https://capitol.tn.gov/Bills/114/Amend/SA0316.pdf) ## Related bills - SB 0254: AN ACT to amend Tennessee Code Annotated, Title 38; Title 39; Title 40 and Title 55, relative to criminal law. (signed) - SB 0198: AN ACT to amend Tennessee Code Annotated, Title 67, relative to taxes. (signed) - HB 2670: AN ACT to amend Chapter 33 of the Private Acts of 1985; as amended by Chapter 85 of the Private Acts of 2004; and any other acts amendatory thereto, relative t… (signed) - HB 2656: AN ACT to amend Chapter 325 of the Private Acts of 1945; as amended by Chapter 335 of the Private Acts of 1968; Chapter 282 of the Private Acts of 1972; Chapte… (signed) - HB 2666: AN ACT to amend Chapter 131 of the Private Acts of 1969; as amended by Chapter 85 of the Private Acts of 1987; Chapter 74 of the Private Acts of 1995; Chapter… (signed) - HB 2631: AN ACT to make appropriations for the purpose of defraying the expenses of the state government for the fiscal years beginning July 1, 2025, and July 1, 2026,… (failed) ## Sources - [Enrolled / Public Chapter (PDF)](https://publications.tnsosfiles.com/acts/114/pub/pc0367.pdf) - [Fiscal Note (PDF)](https://capitol.tn.gov/Bills/114/Fiscal/HB0535.pdf) - [HA0088 (PDF)](https://capitol.tn.gov/Bills/114/Amend/HA0088.pdf) - [Introduced (PDF)](https://capitol.tn.gov/Bills/114/Bill/SB0510.pdf) - [SA0314 (PDF)](https://capitol.tn.gov/Bills/114/Amend/SA0314.pdf) - [SA0316 (PDF)](https://capitol.tn.gov/Bills/114/Amend/SA0316.pdf) ## Related - [SB 0254: AN ACT to amend Tennessee Code Annotated, Title 38; Title 39; Title 40 and Titl…](https://policyrisk.com/state-bill/TN-SB0254-2025-2026) - [SB 0198: AN ACT to amend Tennessee Code Annotated, Title 67, relative to taxes.](https://policyrisk.com/state-bill/TN-SB0198-2025-2026) - [HB 2670: AN ACT to amend Chapter 33 of the Private Acts of 1985; as amended by Chapter 8…](https://policyrisk.com/state-bill/TN-HB2670-2025-2026) - [HB 2656: AN ACT to amend Chapter 325 of the Private Acts of 1945; as amended by Chapter…](https://policyrisk.com/state-bill/TN-HB2656-2025-2026) - [HB 2666: AN ACT to amend Chapter 131 of the Private Acts of 1969; as amended by Chapter…](https://policyrisk.com/state-bill/TN-HB2666-2025-2026) - [HB 2631: AN ACT to make appropriations for the purpose of defraying the expenses of the…](https://policyrisk.com/state-bill/TN-HB2631-2025-2026) - [Tennessee bills](https://policyrisk.com/states/tennessee/bills) - [Tennessee state hub](https://policyrisk.com/states/tennessee) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/TN-SB0510-2025-2026 (as of 2026-11-01).