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How does Tier 5 NYS retirement work?

Tier 5: You receive 1.67% per year of service credit for less than 25 years, 2% per year if you have between 25 and 30 years of service, and 60% plus 1.5% per year for service beyond 30 years. An age factor applies if you retire before 57 or retire between 57 and 62 with less than 30 years of service.

When did Tier 4 end in NYS?

If you are an ERS Member You are in:If you joined: Tier 3 July 27, 1976 through August 31, 1983 Tier 4 September 1, 1983 through December 31, 2009 Tier 5 January 1, 2010 through March 31, 2012 Tier 6 April 1, 2012 or after2 more rows

What is a Tier 4 NYS teachers retirement worth?

Tiers 3 and 4: You receive 1.67% per year of service credit if you have less than 20 years of service, 2% per year if you have between 20 and 30 years of service, and 60% plus 1.5% per year for service beyond 30 years. An age factor applies if you retire before 62 with less than 30 years of service.

How many years do you have to work for NY State to get a pension?

You will be eligible for a service retirement benefit when you docHub age 55, and have five or more years of service credit earned under this plan after July 1, 1973.

What is the difference between Tier 4 and Tier 6?

Under Tier 4, members can retire at age 55 with 30 years of service or retire at age 62, regardless of their years of service, without incurring a pension penalty. However, under Tier 6, members are required to work until age 63 to retire without a penalty, regardless of how many years they worked.

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When can NYS Tier 4 retire?

For the full retirement benefit, you must be 62 years old at retirement or, if you have 30 years of credited service, you may retire as early as age 55. With less than 30 years of service, you may retire as early as age 55, but you will receive a reduced benefit.

What is the difference between Tier 3 and Tier 4 NYS retirement?

Tier 4 has better reduction factors if you retire before age 62 with less than 30 years of service; and, Your maximum pension factor is unlimited under Tier 4, but is limited to 60% under Tier 3.

How is NYS retirement calculated Tier 6?

Tier 6 ERS and Tier 6 PFRS Your FAE is based on the average of your highest five consecutive years of earnings. Earnings in any 12-month period cannot exceed the average of the previous four years by more than 10 percent. Any amount over the 10 percent will be excluded from your FAE calculation.

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