Riverwalk, 354 Merrimack Street, Entry C - 3rd fl, Lawrence, MA 01843

Phone (978) 620-3570 - FAX (978) 683-5894

Hours 7:30 - 3:00 pm (see below)

Summer Hours effective June 1st - 7:00-3:00 Mon-Thurs, Fridays 7:00 - 12:00

(If a later appt. is needed, please call to make arrangements)




The City of Lawrence Retirement Board Members and Office Staff are ready to assist you with any questions you may have regarding your retirement system. As always we would like to encourage our members and retirees to contact the office with any questions or concerns that may arise. This web site was created so that our members and retirees would have yet another tool to find information regarding their municipal pension. We hope you find our site informative and easy to navigate. We are happy to have you as a visitor and encourage you to come back often!

This information is not intended as a substitute for the Massachusetts General Laws nor will its interpretation prevail should a conflict arise between its contents and MGL Chapter 32. Rules governing retirement benefits are subject to change periodically either by statute of the Massachusetts Legislature or by regulation of the Lawrence Retirement Board.

Click Here for our 2016 Quarterly Performance Report



Benefits Office 978 620-3065
GIC 617 727-2310

We are pleased to announce that we have implemented an Employee Self Service Portal (ESS) which will give our active and retired members access to data concerning their own individual retirement accounts. You must register and choose a username and password. Once registration is complete, you will be able to access some of your retirement information. Please follow the instructions on the following link for Self-Registration: www.Pensiontechnologygroup.com/Lawrence

**Current Information***

The Lawrence Retirement Board is soliciting proposals for Independent Financial Audit Service to complete an annual adit of the Lawrence Retirement System. Deadline for submission is January 30th 2018.

Click here for a copy of the RFP


Retiree 1099-R's - Please note if you became age 59 1/2 during 2017

Due to the IRS Private Letter Ruling and Determination Letter, superannuation (non disability) retirees who turned 59 1/2 during a calendar year will recieve 2 forms 1099-R for that calendar year. One will be created with a distribution code 2 (under age 59 1/2) one with a distribution code 7 (over age 59 1/2). All subsequent years your 1099R will be coded 7.

ALSO Please note, IRS ruling on Accidental Disibility Survivors Section 101 - Effective 2015, you will not recieve a form 1099-R unless you had income tax withholdings. Your pension is now defined as NON TAXABLE.



***Public Records Request***

Please Click here for the Guidelines for Requesting Public Records



GIC Benefits Decesion Guide - click for link

City Benefits Department - 978 620-3065
GIC - 617 727-2310

ANNUAL HEATLH/DENTAL OPEN ENROLLMENT - APRIL 5 – MAY 3 For Changes Effective July 1, 2017

The Group Insurance Commission (GIC) Health Insurance and the City’s Altus Dental Insurance has open enrollment beginning April 5, 2017 and will continue until May 3, 2017.  Completed enrollment forms must be turned into the Personnel Department’s Benefits Office no later than Wednesday, May 3, 2017. Please remember that the Altus Dental insurance is not through the GIC. Altus Dental benefits are independent of GIC through the City of Lawrence.

The GIC Health Insurance rates have changed, most have increased.

Websites: The majority of the health plans’ websites with provider listings for 7/1 will be available no later than April 1.  You should wait until then to check provider tiers.

Home Mailing: The GIC will be mailing on Wednesday (3/29) to all employees a notice about Annual Enrollment.

Health Fair: Health fairs, conducted by GIC, can be found by visiting: www.mass.gov/gic/healthfairs http://www.mass.gov/anf/employee-insurance-and-retirement-benefits/benefit-enrollment/gic-health-fair-schedule.html

GIC Municipal Website:  Additional information, including the municipal guides, monthly rates, and frequently answered questions (FAQs) can be found in http://www.mass.gov/anf/employee-insurance-and-retirement-benefits/benefit-enrollment/benefit-decision-guides/municipal-benefit-dec-guide/

Benefit Decision Guides: Benefit Decision Guide shipments will be shipped March 29 – April 3 and should arrive to our office within the next week. Once we received the guides, we will ensure we distributed them accordingly. Please take time to review the Benefit Decision Guide as there have important changes to all of the plans (see attached PDF version). These are some of the changes that are occurring this fiscal year: 

New Prescription Drug Fiscal Year Deductible:  There will be a new separate prescription drug deductible of $100 individual/$200 family for all health plans except Fallon Health Direct and Select.  Oral chemotherapy, preventive care medications covered under federal health care reform, and certain drugs used to treat opioid dependence will not be subject to copays or the deductible.

Fiscal Year Medical Deductible:  The fiscal year deductible will increase to $500 individual/$1000 family (regardless of family size).  For the Fallon Health Direct and Select plans, the deductible will increase to $550 individual/$1,100 family.

Health Plans Closed to New Members: Due to concerns about significant premium increases and spending beyond those premium rates, Fallon Health Select, Harvard Pilgrim Independence Plan, and Tufts Health Plan Navigator will be closed to new members:

  • Existing members can stay in or leave these plans and can change their coverage (e.g., individual to family) within 60 days of a qualifying event; however,
  • New groups or new employees joining the GIC cannot enroll in these plans;
  • Individuals who are picking up GIC health insurance coverage during Annual Enrollment or within 60 days of a qualifying event cannot enroll in these plans; and
  • Existing GIC members currently enrolled in other health plans cannot switch into these plans.

Harvard Pilgrim Independence and Primary Choice Plans: The prescription drug formulary for these plans will change to a closed formulary similar to the other plans.  This means certain prescription drugs will be excluded from coverage, but will have alternatives available that are more cost effective.

Harvard Pilgrim Primary Choice, Harvard Pilgrim Independence Plan, Tufts Health Plan Navigator and Tufts Spirit: Physician office visit and hospital tiering will change to one based on provider group value instead of individual performance. This could affect your copays.  Contact the plan to see each of your  provider’s tiers for the office location you visit.   Also contact the plan to see which tier your hospital is in.

Harvard Pilgrim Independence Plan and Tufts Health Plan Navigator:  Will implement Primary Care Provider (PCP) tiering based on provider group value: $10 Tier 1/$20 Tier 2/$40 Tier 3.





Group Insurance Commission has posted new rates to take effect 7/1/2017 (This will be withheld in your June 2017 pension check). The group insurance website is the best resourse for updates on your health insurance. Health insurance is a City of Lawrence Benefit. Although we try to update our website frequently, as a courtesy to our retirees, we may not have the most up to date insurance information. As always, please feel free to contact our office directly with any questions you may have.

Click here for a link to the GIC website for Rate Changes Non Medicare/Survivor AND Click here for a link for Medicare

IMPORTANT HEALTH INSURANCE INFORMATION** If you are eligible to enroll in Medicare Part B, you must do so immediately. Any questions can be directed to the benefits department at 978 620-3065. If you do not enroll, the Group Insurance Commission may deny membership in their plan.





** There are significant changes in the retirement laws for those who become members of a Retirement System on or after April 2, 2012.

** Please note: If you refund (withdraw) your account and return to service after April 2, 2012, you will fall under the new guidelines.

Below is a list of some of the changes. Click here for a link to an indepth list of more changes

  • Increased minimum retirement age; (Group 1 cannot retire prior to attaining age 60)
  • New age factors for calculating retirement allowances;
  • The unavailablility of the G.L. c. 32, 10 Termination allowance;
  • The applicability of G.L. c. 32 105 to elected officials;
  • Five Year Average Annual Rate of Regular Compensation for calculating allowances rather than a three year average;
  • Proration of benefits earned for service in different Group classifications;
  • New contribution rates;

Link to Pension Reform


Site updated 01/19/18

Contact Us | ©2016 Lawrence Retirement System | Site designed and developed by Gina Rizzo, LRB | Hosted by City of Lawrence .