Sign up for Automatic Dues Payments and win $350

From now through July 31, 2019 if you sign up to pay your dues automatically via our Automated Dues Deduction program you will be entered into a contest to win a $350 MasterCard gift card (that’s equal to 10 years of MRTA membership) that you can use anywhere!

Click here or form below to print.  

We will draw your dues on October 1, 2019 for the 2020 membership year, unless your dues are already paid for 2020 – in which case see * below. When signed up for the automatic dues withdrawal we will automatically draw your $35 membership dues each year, you do not have to do anything!

*Dues will be drawn on or around October 1 of the year that your dues expire. For instance, if your dues expire on Dec. 31, 2020 we will draw your dues Oct. 1, 2020 for the 2021 dues year.

You can cancel at any time.

HB 864 – Most Dangerous Bill in 27 Years A Warning from Director Kreider

In Director Kreider’s 27 years of experience and involvement with the Missouri legislature, he has not seen legislation as dangerous as this to our pension benefits and pension system to-date.

UPDATE: HB 864 was not EVEN assigned to a committee! Thanks to YOU we have SQUASHED this legislation. Please stay tuned as the target will still be on us in 2020.

Dear MRTA:

HB 864 is a bill targeting educator pensions. Creating an “OPTION for all educators to get into a 401(k) plan. This is targeted to NEW HIRES. This is Sinquefield/Show Me Institute model legislation Introduced by none other than my own Representative Jered Taylor of Nixa. The PSRS/PEERS Systems are having the actuaries look at the bill. To put it simply: No money, no pensions. HB 864 will take away employee and employer contributions (currently 29% of payroll) from the system by allowing educators to OPT OUT the current system and into a 401(k). This will lower the amount of dollars for investment. Currently, 61 cents of every dollar paid to retirees comes from investment returns. Representative Taylor is using Show-Me Institute talking points and therefore is misinformed on how a Defined Benefits plan works. HB 864 is an attack on public education and educators.

If this type of legislation is passed it WILL:
1. Eventually, bankrupt our system. The system would run out of money in about 25 years. Fewer contributions will be paid into the system for investments which are needed to pay benefits. The average retiree uses the amount they contributed in less than 6 years!!

2. Immediately eliminate any future COLAs.

3. Likely result in benefit reductions by possibly 25% or more for current retirees.

4. Cause drastic increases in the contribution percentage paid by active vested educators Currently, they are paying 14.5%. This will be necessary to try to stretch benefits into the future. How much will active educators be willing to pay?

COMMENT: MRTA strongly opposes any legislation like HB 864 as it threatens pension benefits educators have worked so hard for. 401(k)s have been described as a “failed experiment.” Only 40% of Americans have any retirement savings. 401(k)s are at the mercy of the stock market. Do you feel lucky?! 401(k)s can be raided by individuals as life creates needs for cash. To be simply put 401(k)s do NOT offer retirement security. Our pension plan does! Our defined benefit system pays you until you pass. Now that is retirement security! But it takes everyone to participate. HB 864 was designed to divide and conquer us!

OUR job is to convince our own Missouri State Representative and State Senator to oppose this type of legislation. Stay vigilant in 2020. Educate your friends and family now. Ask someone to join MRTA today – “Strength in Numbers!” Legislation like HB 864 threatens our pension system and our pension benefits. Just leave us alone!

Please see recent articles regarding HB 864 and Representative Taylor:
Springfield News Leader Article Jered Taylor Comments – Feb. 15, 2019
Springfield News Leader Article Jered Taylor Comments – March 20, 2019

HB 864 -A Warning From Director Kreider

UPDATE: HB 864 has not been assigned to a committee as of today. SO far we have put the “brakes” on this legislation. Please stay tuned as the target is on us.

HB 864 is a bill targeting educator pensions. Creating an “OPTION for all educators to get into a 401(k) plan. This is targeted to NEW HIRES. This is Sinquefield/Show Me Institute model legislation Introduced by none other than my own Representative Jered Taylor of Nixa. The PSRS/PEERS Systems are having the actuaries look at the bill. There will be more information out soon on the affects to our pension system. I am very sure the expense to the system will be enormous. To put it simply: No money, no pensions. HB 864 will take away employee and employer contributions (currently 29% of payroll) from the system by allowing educators to OPT OUT the current system and into a 401(k). This will lower the amount of dollars for investment. Currently, 61 cents of every dollar paid to retirees comes from investment returns. Representative Taylor is using Show-Me Institute talking points and therefore is misinformed on how a Defined Benefits plan works. HB 864 is an attack on public education and educators.

This Legislation if passed WILL:

  • Eventually bankrupt our system. The system would run out of money in about 25 years. Fewer contributions will be paid into the system for investments which are needed to pay benefits. The average retiree uses the amount they contributed in less than 6 years!!
  • Immediately eliminate any future COLAs.
  • Likely result in benefit reductions by possibly 25% or more for current retirees.
  • Cause drastic increases in the contribution percentage paid by active vested educators Currently, they are paying 14.5%. This will be necessary to try to stretch benefits into the future. How much will active educators be willing to pay?
  • MORE TO COME as we study the legislation and get input from the PSRS/PEERS system and the actuaries.

COMMENT: MRTA strongly opposes HB 864 as it threatens pension benefits educators have worked so hard for. 401(k)s have been described as a “failed experiment.” Only 40% of Americans have any retirement savings. 401(k)s are at the mercy of the stock market. Do you feel lucky?! 401(k)s can be raided by individuals as life creates needs for cash. To be simply put 401(k)s do NOT offer retirement security. Our pension plan does! Our defined benefit system pays you until you pass. Now that is retirement security! But it takes everyone to participate. HB 864 is designed to divide and conquer us!

OUR job is to convince our own Missouri State Represenative and State Senator to oppose the bill. Ask them to VOTE NO! HB 864 threatens our pension system and our pension benefits. Just leave us alone!

Please see recent articles regarding HB 864 and Representative Taylor:
Springfield News Leader Article Jered Taylor Comments – Feb. 15, 2019
Springfield News Leader Article Jered Taylor Comments – March 20, 2019

MRTA Legislative Halftime Report

Great job so far, MRTA! Please remember, MUCH can happen before Session ends on May 17th. Please stay tuned, check your e-mail often, and please act on any CALL TO ACTION from your MRTA. We are here 24/7 to be YOUR PENSION WATCHDOG!

PRIORITY #1 – MRTA opposes HB 864 (Taylor Rep. – 139) Establishes a new retirement option for certain teachers in Missouri.

Click here for a report and talking points on HB 864.

  • Halftime Report – This bill has not been assigned to a committee as of March 28th. We have “put the brakes” on this legislation. GOOD JOB, MRTA!

PRIORITY #2 – MRTA supports HB 723 (Pike Rep.– 126) This legislation is an MRTA priority and allows pension benefits to “POP UP” after a divorce with the ruling on assets by a court.

HB 723 makes this provision retroactive for those divorced prior to Sept. 1, 2017. This bill is similar to HB 304 of 2017.

  • Halftime Report – Voted Do Pass Out of Committee. Awaiting floor debate

PRIORITY #3 – MRTA supports HB 77 (Black Rep.-7), SB 17 (Romine Rep.-3.) Exempts any person retired or receiving allowance from PSRS and employed by a public community college from current law related to working-after-retirement (W.A.R.) provisions.

  • Halftime Report – HB 77 will likely become law soon. Passed the House by consent and Senate Committee. Awaiting final vote of the Senate.

PRIORITY #4 – MRTA supports HB 69 (Dinkins Rep.-144). This legislation re-establishes the 2.55 factor for those working 31 years or longer.

This legislation has a positive financial effect on the PSRS system. The longer one works the fewer benefits that will be paid as one gets closer to death.

  • Halftime Report – No action.

PRIORITY #5 – MRTA supports full funding of the Foundation Formula and opposes the use of public tax dollars for private schools.

The Missouri Constitution mandates adequate funding of K-12 education through HB 2 which requires education funding as the second priority of state expenditures. Comment: Due to several tax cuts enacted by the legislature over the past few years general revenue is expected to be reduced significantly. MRTA asks funding for Public Education be the #1 priority.

  • Halftime ReportBudget debate by the House this week. The House has proposed fully funding the Foundation Formula – a $62 million increase! GOOD JOB, MRTA!

PRIORITY #6 – MRTA supports SB 78 (Sater Rep.-29) This legislation would restore to over 60,000 elderly Missourians state assistance for prescription drugs.

Many older MRTA members are at minimum retirement benefit and many are not eligible for Medicare. This legislation would be of great help to their quality of life.

  • Halftime Report – On Senate Calendar for debate and vote.

PRIORITY #7 – MRTA opposes SB 160 (Koenig Rep.-13). This act establishes the Missouri Empowerment Scholarship Accounts Program.

Comment: These are voucher schemes which create a new 100% tax credit allowing up to $25 million per year of state revenue to be used for private school tuition and other expenses for students. This will result in up to $25 million less state revenue for public education per year. These bills take scarce tax revenue away from public education.

  • Halftime Report – On Senate Calendar for debate and vote. Stalled at this time due to lack of votes and filibuster. GOOD JOB, MRTA!

PRIORITY #8 – MRTA opposes HCS/HB 581 (Roeber Rep. 34) and SCS/SB 292 (Eigel Rep. – 23).

Charter School Expansion – This bill would allow charter schools outside entities and operate in districts around the state. Charter schools are not subject to the same standards of accountability as public schools. Comment: Charter schools take scarce tax revenue from public education. Currently, charter schools are only allowed in St. Louis and Kansas City.

  • Halftime Report – On House Calendar for debate and vote. Stalled at this time due to lack of votes. GOOD JOB, MRTA!

PRIORITY #9 – MRTA supports and asks for legislation to allow a Cost of Living Adjustment for St. Louis City and Kansas City retired educators.

Currently, St. Louis City retired educators have not had a COLA since 2006. Their spending power has been significantly reduced. COLAs are essential to the quality of life of education retirees.

  • Halftime Report – No action.

Missouri Income Tax Deductions

Married couples with Missouri adjusted gross income less than $100,000 and single individuals with Missouri adjusted gross income less than $85,000, may deduct up to 100% of their public retirement benefits, to the extent the amounts are included in their federal adjusted gross income.  Click here for MO-A form.

  • The total public pension exemption was limited to $37,720 for each spouse for the 2018 tax year.
  • Married couples with Missouri adjusted gross income greater than $100,000 and single individuals with Missouri adjusted gross income greater than $85,000, may qualify for a partial exemption.
  • There is no age requirement for eligibility.

Health Insurance Premiums may be deductible too. Click here for more.

Visit www.dor.mo.gov for more information regarding eligibility. Or you may contact the Missouri Department of Revenue at (573) 751-3505, email income@dor.mo.gov or consult a tax professional for more information.

MRTA Legislative/Capitol Blitz Day Plans

MRTA Legislative Day – February 12

Where: First Floor Rotunda, Missouri State Capitol Building, Jefferson City, MO

When: 10:30 a.m., Tuesday, February 12, 2019

Who: MRTA members are encouraged to attend. Please plan a meeting with your Senator and Represenative.

How: Please RSVP no later than 4:00 p.m., Friday, February 8 so we can plan for the proper amount of materials. RSVP to MRTA 1-877-366-6782 or email us at
mrta@mrta.org.

Travel: Carpooling is strongly recommended. MRTA will reimburse for mileage at 27.5 cents per mile for a vehicle carrying 3 or more members.

MRTA Blitz Day- February 12

February 12th is also MRTA Capitol Blitz Day! We are asking every member of MRTA who cannot attend Legislative Day to write, e-mail, or call their State Representative and State Senator on Tuesday, February 12th.

Every MRTA member is asked to respond to this “CALL TO ACTION” on February 12th. We will show our STRENGTH IN NUMBERS through their emails and phone lines. We ask you to do this in correspondence with MRTA Legislative day so we can have the biggest impact. MRTA wants to keep the bad bills out of committee so it is important to do this NOW before they “grow legs.”

Elected official contact information and information on issues of importance with suggested language will be sent out via e-mail in the days before the event. We are asking everyone to SPREAD THE WORD to fellow retirees. Please call the MRTA office at 1-877-366-6782 to add your e-mail address if we do not have it.

MRTA Legislative Day – Hands Off

2019 Legislative – Blitz Day
February 12

“Keep the outsiders’ hands off our money!”

Click here for Legislative/Capitol Blitz Day Details and Logistics

The 2019 Legislative Session began on January 9th. With the election of 2018 and Missouri term limits, there will be a completely new General Assembly for 2019 to deal with. There will be 70 brand new members of the House of Representatives out of 163, a brand new Chairperson of the House Pensions Committee, a brand new Speaker of the House. What will their agenda be?? Unknown!


There will be 10 new Senators out of 36, a brand new Chairperson of the Pensions Committee, and a brand new President Pro Tem of the Senate. What will their agenda be? Unknown!


We now have a brand new Governor. Governor Parson has vast Legislative experience and has spoken very positively about MRTA and education retirees. This is very much appreciated and encouraging to MRTA. What his agenda and priorities are is unknown.


Billionaire Rex Sinquefield donated ONE MILLION DOLLARS to a PAC supporting Parson for Governor in 2020. The question is: How much was also donated to House and Senate leaders? What will the effect if any be?
The Show Me Institute, who is funded by St. Louis billionaire Rex Sinquefield, is having symposiums around the state promoting DC plans and demeaning DB plans such as ours. PSRS-PEERS is in their top 10 issues to address by 2020 They want to put educators into a DC plan that would eventually destroy and bankrupt our system.


As our MRTA Legislative Chairwoman, Linda Greeson, has written, even though we are retired from education – we are never retired from educating when it comes to the Legislature.

We need you! Please plan to attend MRTA Legislative Day or to participate in MRTA Blitz Day!

Do you know who your Legislator is?

Please find your Legislators and their contact information now and save it for the 2019 Legislative Session. Have it ready for MRTA Calls to Action. If you plan on attending Legislative Day please make an appointment with your Legislators. Click here to find your legislator. 

2018 Public Pension Exemption

Married couples with Missouri adjusted gross income less than $100,000 and single individuals with Missouri adjusted gross income less than $85,000, may deduct up to 100% of their public retirement benefits, to the extent the amounts are included in their federal adjusted gross income.  Click here for MO-A form.

  • The total public pension exemption was limited to $37,720 for each spouse for the 2018 tax year.
  • Married couples with Missouri adjusted gross income greater than $100,000 and single individuals with Missouri adjusted gross income greater than $85,000, may qualify for a partial exemption.
  • There is no age requirement for eligibility.

Visit www.dor.mo.gov for more information regarding eligibility. Or you may contact the Missouri Department of Revenue at (573) 751-3505, email income@dor.mo.gov or consult a tax professional for more information.

A New Tactic from the Show-Me Institute

The Show-Me Institute – if the name alone brings to mind a scary thought, it’s for a reason. Missouri’s resident billionaire, Rex Sinquefield, funds this think tank. Sinquefield’s admitted two main areas of interest are rolling back the income tax and education reform. He spends millions of dollars each year to back political candidates that will pass his agenda as well as millions on these think tank groups that help influence legislation.

Your pension is #8 on Rex’s “hit-list” – “20 for 2020“ The Show-Me Institute has put out a plan to introduce policy regarding education and pension reform, changing teacher retirement to a 401(k) system. We must work together to prevent billionaires and bullies from influencing our legislators! To see the full document click here.

A new Tactic – The Show-Me Institute is now holding meetings about “The Looming Pension Crisis” in MO. They are working harder than ever to destroy our pension system. They currently have upcoming dates in St. Louis and in Columbia. Do not believe the misinformation!