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 7:00-3:00 Mon-Thurs, Fridays 7:00 - 12:00 Effective June 1 ending after Labor Day Weekend

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

PLEASE NOTE: Our office is now open to the public however if you are not comfortable you always can reach someone by phone at 978 620-3570, email at grizzo@cityoflawrence.com or fax at 978 722-9490. We will respond to your calls, emails and faxes promptly.




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.



Benefits Office 978 620-3065
GIC 617 727-2310

Use link below for our 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***

Please note: Our Board has changed it's policy on Veterans Buybacks for current and future members. If you think this may affact you, please call the office.



Members of the Lawrence Retirement System (“System”) who file the application required no later than 180 days from the date they receive written notification from the Board shall be eligible to purchase veteran service consistent with the provisions of M.G.L. c. 32 §§ 4(1)(h).  Members may purchase the maximum amount allowed or less if they so choose.  Members may accomplish the purchase of veteran’s service, by remitting to the Board the amount due, in a lump-sum or by entering into an installment plan other than payroll deductions.  Members that have filed their applications within the 180 required days can purchase this service at any time, prior to retirement.  No interest is charged.  Only new members that apply after receiving notification along with individuals who are current members that have filed their applications consistent with the provisions of M.G.L. c. 32 §§ 4(1)(h) will now fall under this policy prospectively.

Lawrence Retirement Board
March 31st, 2021



Health Insurance rates for the GLTHS will increase effective your December 2020 check.

Retiree 1099-R's - Please note if you became age 59 1/2 during 2018

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


City Benefits Department - 978 620-3065 or 3064
GIC - 617 727-2310


The Group Insurance Commission Annual Enrollment - Below is from the City of Lawrence Benefits office - *NEW 2021

  • Annual enrollment is your once-a-year opportunity to change your health plan or coverage election. This year’s Annual Enrollment: April 7 - May 5, 2021 - Benefits and new rates are effective for July 1, 2021.

    Hope all is well.

    FY 2022 Annual Open Enrollment for health insurance and dental insurance begins anew on April 8, 2021 and will continue through May 5, 2021.  The Group Insurance Commission offers you the opportunity to review your benefit options and enroll in or change your coverage until May 5, 2021. If you have, and want to keep, your current benefits and not change anything of your health plans or dental plan, you do not need to complete any forms, as your coverage will continue automatically.

    Any changes that you may make during this time, as well as the new rates for all plans, are to take effect for July 1, 2021. Premium rates are deducted one month prior for effect. The benefits decision guide is enclosed as a link (below). All benefits fairs across the Commonwealth are cancelled due to the COVID-19 situation.

    Please visit the below link as this year's enrollment can be completed online, (through email link) without having to come into City Hall. As you all know, City Hall is by appointments due to the COVID-19 situation. If you wish to complete a hard copy form, then you must mail your completed form to Personnel Benefits Coordinator, 200 Common Street, Room 303, Lawrence, MA 01841 or bring it into Room 303 at City Hall. We'd prefer you utilized the online change format as it is easier, quicker and most reliable. FY22 health insurance rates for city employees are attached. All forms must arrive on or before May 5, 2021

    Additionally, the Altus Dental Summary and enrollment form are attached.  These forms must be received directly to the Personnel Benefits Coordinator by May 5, 2020.  Please complete, sign and return either via email, by appointment, or by US mail to City of Lawrence Personnel Department, 200 Common Street, Room 303, Lawrence, MA. 01841. All forms must arrive on or before May 5, 2021.

    Failure to return any of the forms by the respective deadline date will prevent you (and/or your family) from having health insurance with the Commonwealth Group Insurance Commission and/or dental insurance with Altus Dental.

    We will continuously be providing updates, news, and reminders along the way up to May 5th. In the meantime here is what is new in FY22 —

    ·        (Health Insurance) - Three no-cost behavioral health telehealth visits per member – Starting on July 1, 2021, for all non-Medicare health plans, each covered member will be eligible for three no-copay in-network behavioral health telehealth visits per year. This includes behavioral telehealth care you receive from a traditional provider.
    ·        (Pharmacy Benefits) -  COVID-19 vaccines are covered under Express Scripts.

    GO DIGITAL!!! If GIC has your email address you may use myGICLink to access enrollment forms to make Annual Enrollment changes. Go to bit.ly/mygiclink. Enter your email address and DOB. Choose your GIC form(s). Select Request
    Check your email for the requested form(s). Follow instructions for completion. Select Submit. Watch your email for confirmation of receipt

    Or  https://www.mass.gov/how-to/how-to-enroll-in-or-change-gic-municipal-employee-benefits

    I have included; the Benefits Guide to allow you to review the health plans, Dental Summary page for review of the Altus dental plan, July 1st health and dental rates (GIC rates have increased while Altus Dental have remain the same as FY21). I have also attached the enrollment form for GIC and Altus Dental, along with a list of required documents for new enrollees or new family enrollees.

    Life Insurance, long term benefits and other benefits associated with sponsored agencies will also be on open enrollment period. Colonial, Aflac, NYLife, etc.

    We are here to help.  Call us or send us an email and we will respond as soon as possible. Contact the City’s benefit Coordinator (Johanny DeSoto) at jdesoto@cityoflawrence.com or (978) 620-3065. Stay Safe!

  • GIC Guide
  • Open Enrollment Form for Health Change Only
  • Open Enrollment Form for Altus Dental

    2021 GIC INFORMATION - Please note, all forms must be returned to Johanny DeSoto, Benefits Coordinator before June 1, 2021.

    Please remember that the Altus Dental insurance is not through the GIC. Altus Dental benefits are independent of GIC through the City of Lawrence changes are due prior to May 5, 2021. If you have, and want to keep, your current benefits and not change anything of your health plans or dental plan, you do not need to complete any forms, as your coverage will continue automatically.

    Frank Bonet-Rosado
    Personnel Director
    City of Lawrence
    Lawrence, Massachusetts
    (978) 620-3060




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.

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.


Post-Retirement Work in the Public Sector and COVID-19 - NEW 2021

Pursuant to legislation recently passed (Chapter 53 of the Acts of 2020), superannuation retirees (disability retirees are excluded from the legislation) working in the public sector will be subject to a different hours/earnings calculation for CY 2020. Specifically, hours and earnings that occur during the current State of Emergency as defined in the Governor’s Executive Order of March 10, 2020 will not be included in the retiree’s earnings limitations for CY 2020. Please note that this work need not be directly related to the coronavirus; the law covers any hours/earnings from the emergency period. So, for example, if the State Emergency lasts 3 months, the hours and earnings from this period will not be included in the 2020 limitations, you would only look at the hours and earnings from the other 9 months. PERAC will publish guidance to boards and municipalities providing the law’s text and further detail.


** 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 03-31-2021

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