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Special 20- and 25-Year Plans

For PFRS Tier 1, 2, 3, 5 and 6 Members

(Sections 384, 384-d and 384-e)

Additional Benefits After 20 Years (Section 384-e)

Eligibility

Under the 20-year plan, you will receive additional benefits for service over 20 years if your employer adopted coverage under Section 384-e and/or 384-e (b) of the RSSL. Should your employer make these benefits available to you, you are automatically covered. If your employer chooses to adopt the benefits for a limited period of time, and you enter employment after the expiration date, you would not be eligible for them.

The Section 384-e Benefit

This provides an additional pension of 1/60th (1.66 percent) of your FAS for each year of creditable service beyond 20 years. If you are 55 at retirement and an alternative regular plan would provide a greater benefit, you will receive the greater benefit.

The Section 384-e (b) Benefit

This provides an additional 1/60th (1.66 percent) of your FAS for each year of service earned with a public employer prior to your service performed as a police officer or firefighter.

Maximum Benefit
  • For Tier 1 members, the maximum benefit payable under Section 384-e and Section 384-e (b) is 75 percent of your FAS.
  • For Tier 2, 3, 5 and 6 members, the maximum benefit payable is the benefit due on completion of 32 years of creditable service (70 percent of your FAS).