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Thomas P. DiNapoli

Membership Milestones for Police & Fire Retirement System (PFRS) Members

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No matter which retirement plan you’re covered under, there are important milestones you need to know. Understanding your milestones will help you develop a sound financial plan. Select your retirement plan from the Table of Contents to see how your years of service affect your retirement benefits. If your plan isn’t listed, please refer to your plan booklet on our publications page.

Tier 2 & 3 Police and Fire Retirement System (PFRS) 20-Year Retirement Plan (Article 11)

Before Retirement:

  • Immediately upon joining the system, you are covered by certain job-related death and disability benefits.
  • After 90 days of service credit, you are covered by a non-job-related death benefit.
  • With 5 years of service credit, you become vested and are entitled to a monthly benefit that may start as early as age 55.
  • With 10 or more years of service credit, you are:
    • Eligible to apply for a non-job-related disability benefit.
    • Eligible for an out-of-service death benefit, if you leave public employment and die prior to your retirement.
  • With 20 years of service creditable in your special plan, you are eligible to retire at any age.
  • If your employer has adopted Section 384-e, you will receive an additional benefit for each year of special plan service credit over 20 years.
  • A maximum of 32 years of service credit can be used in your pension calculation.
  • If you are 55 or older at retirement and are eligible for both regular plan and special plan benefits, you will receive the greater benefit. A regular plan is based on age in addition to years of service.

After Retirement:

  • After you retire and begin collecting a monthly benefit, you will receive annual cost-of-living (COLA) increases when you meet eligibility requirements.

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Tier 2 & 3 Police and Fire Retirement System (PFRS) 25-Year Retirement Plan (Article 11)

Before Retirement:

  • Immediately upon joining the system, you are covered by certain job-related death and disability benefits.
  • After 90 days of service credit, you are covered by a non-job-related death benefit.
  • With 5 years of service credit, you become vested and are entitled to a monthly benefit that may start as early as age 55.
  • With 10 or more years of service credit, you are:
    • Eligible to apply for a non-job-related disability benefit.
    • Eligible for an out-of-service death benefit, if you leave public employment and die prior to your retirement.
  • With 25 years of service creditable in your special plan, you are eligible to retire at any age.
  • If your employer has adopted Section 384(f) and you have elected it, you will receive an additional benefit for each year of special plan service credit over 25 years.
  • A maximum of 32 years of service credit can be used in your pension calculation.
  • If you are 55 or older at retirement and are eligible for both regular plan and special plan benefits, you will receive the greater benefit. A regular plan is based on age in addition to years of service.

After Retirement:

  • After you retire and begin collecting a monthly benefit, you will receive annual cost-of-living (COLA) increases when you meet eligibility requirements.

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Tier 3 Police and Fire Retirement System (PFRS) Article 14 Retirement Plan

Before Retirement:

  • Immediately upon joining the system, you are covered by certain job-related death and disability benefits.
  • After 90 days of service credit, you are covered by a non-job-related death benefit.
  • With 5 years of service credit, you:
    • Become vested and are entitled to a monthly benefit when you reach the retirement age specified by your plan. (You will forfeit the monthly benefit if you withdraw your contributions.)
    • Are eligible to apply for a non-job-related disability benefit.
  • With 10 or more years of service credit, you are:
    • Eligible for an out-of-service death benefit, if you leave public employment and die prior to your retirement.
    • No longer able to withdraw your membership and receive a refund of your contributions.
  • With 20 years of service creditable in your plan, you are eligible for early retirement.
  • With 22 years of service creditable in your plan, you are eligible for normal retirement.
  • With 25 years of service credit, or at retirement, whichever occurs first, you are no longer required to contribute.

After Retirement:

  • After you retire and begin collecting a monthly benefit, you will receive annual cost-of-living (COLA) increases when you meet eligibility requirements.

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Tier 5 Police and Fire Retirement System (PFRS) 20-Year Retirement Plan (Article 22)

Before Retirement:

  • Immediately upon joining the system, you are covered by certain job-related death and disability benefits.
  • After 90 days of service credit, you are covered by a non-job-related death benefit.
  • With 10 years of service credit, you become vested and are entitled to a monthly benefit that may start as early as age 55.
  • With 10 or more years of service credit, you are:
    • Eligible to apply for a non-job-related disability benefit.
    • Eligible for an out-of-service death benefit, if you leave public employment and die prior to your retirement.
  • With 20 years of service creditable in your special plan, you are eligible to retire at any age.
  • If your employer has adopted Section 384-e, you will receive an additional benefit for each year of special plan service credit over 20 years.
  • A maximum of 32 years of service credit can be used in your pension calculation.
  • With 20 years of service credit (32 years if your employer has adopted Section 384-e), you are no longer required to contribute 3 percent.
  • If you are 55 or older at retirement and are eligible for both regular plan and special plan benefits, you will receive the greater benefit. A regular plan is based on age in addition to years of service.

After Retirement:

  • After you retire and begin collecting a monthly benefit, you will receive annual cost-of-living (COLA) increases when you meet eligibility requirements.

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Tier 5 Police and Fire Retirement System (PFRS) 25-Year Retirement Plan (Article 22)

Before Retirement:

  • Immediately upon joining the system, you are covered by certain job-related death and disability benefits.
  • After 90 days of service credit, you are covered by a non-job-related death benefit.
  • With 10 years of service credit, you become vested and are entitled to a monthly benefit that may start as early as age 55.
  • With 10 or more years of service credit, you are:
    • Eligible to apply for a non-job-related disability benefit.
    • Eligible for an out-of-service death benefit, if you leave public employment and die prior to your retirement.
  • With 25 years of service creditable in your special plan, you are eligible to retire at any age.
  • If your employer has adopted Section 384(f) and you have elected it, you will receive an additional benefit for each year of special plan service credit over 25 years.
  • A maximum of 32 years of service credit can be used in your pension calculation.
  • With 25 years of service credit, (32 years if your employer offers and you elected Section 384(f)), you are no longer required to contribute 3 percent.
  • If you are 55 or older at retirement and are eligible for both regular plan and special plan benefits, you will receive the greater benefit. A regular plan is based on age in addition to years of service.

After Retirement:

  • After you retire and begin collecting a monthly benefit, you will receive annual cost-of-living (COLA) increases when you meet eligibility requirements.

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Tier 6 Police and Fire Retirement System (PFRS) 20-Year Retirement Plan (Article 22)

Before Retirement:

  • Immediately upon joining the system, you are covered by certain job-related death and disability benefits.
  • After 90 days of service credit, you are covered by a non-job-related death benefit.
  • With 10 years of service credit, you become vested and are entitled to a monthly benefit.
    • Members who retire directly from the payroll may apply for and receive their benefit as early as age 55.
    • Members who are off public payroll may collect a vested benefit at age 63.
  • With 10 or more years of service credit, you are:
    • Eligible to apply for a non-job-related disability benefit.
    • Eligible for an out-of-service death benefit, if you leave public employment and die prior to your retirement.
  • With 20 years of service creditable in your special plan, you are eligible to retire at any age.
  • If your employer has adopted Section 384-e, you will receive an additional benefit for each year of special plan service credit over 20 years.
  • A maximum of 32 years of service credit can be used in your pension calculation.
  • With 20 years of service credit (32 years if your employer has adopted Section 384-e), you are no longer required to contribute.
  • If you are 55 or older at retirement and are eligible for both regular plan and special plan benefits, you will receive the greater benefit. A regular plan is based on age in addition to years of service.

After Retirement:

  • After you retire and begin collecting a monthly benefit, you will receive annual cost-of-living (COLA) increases when you meet eligibility requirements.

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Tier 6 Police and Fire Retirement System (PFRS) 25-Year Retirement Plan (Article 22)

Before Retirement:

  • Immediately upon joining the system, you are covered by certain job-related death and disability benefits.
  • After 90 days of service credit, you are covered by a non-job-related death benefit.
  • With 10 years of service credit, you become vested and are entitled to a monthly benefit.
    • Members who retire directly from the payroll may apply for and receive their benefit as early as age 55.
    • Members who are off public payroll may collect a vested benefit at age 63.
  • With 10 or more years of service credit, you are:
    • Eligible to apply for a non-job-related disability benefit.
    • Eligible for an out-of-service death benefit, if you leave public employment and die prior to your retirement.
  • With 25 years of service creditable in your special plan, you are eligible to retire at any age.
  • If your employer has adopted Section 384(f) and you have elected it, you will receive an additional benefit for each year of special plan service credit over 25 years.
  • A maximum of 32 years of service credit can be used in your pension calculation.
  • With 25 years of service credit, (32 years if your employer offers and you elected Section 384(f)), you are no longer required to contribute.
  • If you are 55 or older at retirement and are eligible for both regular plan and special plan benefits, you will receive the greater benefit. A regular plan is based on age in addition to years of service.

After Retirement:

  • After you retire and begin collecting a monthly benefit, you will receive annual cost-of-living (COLA) increases when you meet eligibility requirements.

(Return to Top)

(Rev. 5/16)