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

Phone (978) 620-3570 - FAX (978) 722-9490

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



There will be an election for the Second Elected Member to the LAWRENCE RETIREMENT BOARD. Elected Member will serve a 3 year term commencing October 15, 2021.  In order to be eligible to run for candidacy, you must be either an active or retired member of the Lawrence Retirement System.  If interested, Nomination papers are available beginning July 8th, 2021 at the Retirement Office located at 354 MERRIMACK STREET –3rd Floor, Entry C, LAWRENCE.  Anyone wishing to run for the upcoming board member position must return the nomination papers containing signatures and addresses of at least twenty (20) Active Members or Retirees of the Lawrence Retirement System. Nomination papers must be returned prior to NOON on Friday, August 27th, 2021.  The election will be conducted by mail.  Ballots will be mailed to every active/inactive and retired member once candidates are determined and must be returned to the Retirement Office, BY MAIL ONLY, prior to the last mail delivery on Monday, October 11th, 2021.  Tabulation of Ballots will be conducted Tuesday, October 12th, 2021 in the Retirement Office, beginning at 9:30 a.m.
Questions, Please contact the Election Officer, Christine Adames at (978) 620-3570



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

  • Completed Annual Enrollment forms are due to the GIC Benefits Coordinator (Johanny DeSoto)(978 620-3065) , by June 1st, 2021:  Changes go into effect July 1, 2021.
  • Employees can enroll in coverage for the first time at Annual Enrollment or within 60 days of a documented qualifying event. Qualifying events include marriage, birth/adoption of a child, involuntary loss of other coverage, spouse’s Annual Enrollment or return from an approved FMLA or maternity leave. New hires may enroll in coverage during their first ten days of employment and also during Annual Enrollment.
  • Once you choose health care coverage, you cannot change products until the next Annual Enrollment period which will be in April - May. Even if your doctor or hospital leaves the health insurance product, unless you have an eligible qualifying status change, you must remain enrolled in your selected plan until the next Annual Enrollment. You can find a list of qualifying status changes on the GIC’s Annual Enrollment website.
  • Doctors and hospitals within a carrier’s network can change during the year, usually because of a health carrier and provider contract issue, practice mergers, retirement or relocation. If your doctor is no longer available, your health insurance carrier will help you find a new one.
  • When checking provider coverage and tiers, be sure to specify the health insurance product’s full name, such as “Tufts Health Plan Spirit” or “Tufts Health Plan Navigator,” and not just “Tufts Health Plan.” The health insurance carrier is your best source for this information.

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

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.


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 1, 2021.

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




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.




** 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 08-02-2021

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