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Tier 6 Benefit Information

Tier 6 and the State Police Retirement Plan

Benefits of members in the State Police Retirement Plan (Section 381-b of the Retirement and Social Security Law) are not affected by Tier 6, except in the instances outlined below. Members in this plan who have 20 years of creditable service may still retire at any age with unreduced benefits. Disability and death benefits are also not changed by Tier 6.

Membership Tier

There are five tiers in the Police and Fire Retirement System (PFRS). PFRS members in the State Police Retirement Plan who first joined on or after April 1, 2012 are in Tier 6.

Member Contributions

Tier 6 State Police members must contribute for all their years of public service.

  • From 4/1/2012 through 3/31/2013, Tier 6 members contributed 3 percent of their gross salary.
  • Beginning 4/1/2013, the percentage is based on the member’s wages. Future salary changes may affect the member’s contribution rate.
Wages Contribution Rate
$45,000 or less 3%
$45,000.01 to $55,000 3.5%
$55,000.01 to $75,000 4.5%
$75,000.01 to $100,000 5.75%
More than $100,000 6%

Vesting

Tier 6 State Police members must have ten years of service credit to be vested and eligible for service retirement benefits.

Reportable Salary Limit

  • Reportable salary may not exceed the salary of the Governor of the State of New York, which is set by law and is currently $179,000.
  • If the Governor’s salary changes, the reportable salary limit would change accordingly.
  • If a member reaches the reportable salary limit, you should not deduct contributions from any salary paid in excess of the limit.
  • You should continue to report all salary paid, days worked and any loan and/or arrears payments on your monthly report.

Overtime

Overtime pay in excess of 15 percent of a member’s regular annual wages cannot be used in the calculation of a member’s final average salary.

Other Earnings Limitations

Earnings from more than two separate employers in any one year will be excluded from the definition of wages for Retirement System purposes.

Final Average Salary (FAS)

  • FAS is the average of the highest five consecutive years of reportable salary subject to limits. Any year of salary used in the FAS calculation cannot exceed the average of the previous four years by more than 10 percent.
  • Lump sum payments at retirement for accumulated vacation will not be included in an FAS calculation.

(Rev. 4/14)