/P <>BDC 13.05 0 0 13.05 320.4 692.8624 Tm 13.05 0 0 13.05 301.0117 691.0623 Tm /P <>BDC ET 7.6175 -1.6606 7.7563 -.8776 7.7563 -.0936 c EMC -.162 -1.644 0 -.9642 0 0 c EMC /P <>BDC 11.25 -.0056 .0056 11.25 591.022 656.0468 Tm ET All TRS members receive a maximum of )Tj f -.01 Tc .9381 1.5271 1.0782 1.1513 1.2464 .8322 c BT 11.25 0 0 11.25 588.7385 363.78 Tm endobj BT /P <>BDC ET EMC All tiers vest with five years of service credit. /P <>BDC 11.25 0 0 11.25 25.2 499.1803 Tm Q BT (insurance from your monthly payments. Tier 3 Highest Cost. EMC BT ( )Tj ( )Tj BT ( )Tj ( )Tj ET ( )Tj /P <>BDC ( )Tj ET (your TDA funds. (TRS membership would expire 7 school years after)Tj EMC 10.8 0 0 10.8 42.3224 265.8909 Tm 9.9 0 0 9.9 341 36.552 Tm 12.6 0 0 12.6 553.1976 724.1578 Tm 4.2843 3.0981 5.278 3.96 6.0209 3.96 c ET /Cs8 cs 1 scn (Your TRS Benefits in Brief for)Tj /P <>BDC ET /P <>BDC [(be indicat)17.1(ed b)15.1(y)0( TRS 4)66.8(1)32.2(4H S)20(TD on y)13.2(our)]TJ 0 792.12 612 -792 re ( )Tj /P <>BDC /GS1 gs -.005 Tc 0 0 0 1 k ( )Tj /P <>BDC ET 0 0 l ET ET /P <>BDC ET BT ET BT /P <>BDC 0 0 0 1 k 11.561 -2.4149 11.807 -2.4785 12.124 -2.4928 c (Representatives available by phone or in person \(check our website for)Tj ET -.01 Tc /P <>BDC ( )Tj 9.45 0 0 9.45 295.6162 449.3398 Tm /P <>BDC ET .0009 1.9486 .5486 3.531 v 11.25 0 0 11.25 25.2 170.4121 Tm /P <>BDC 11.25 0 0 11.25 243.9347 242.4128 Tm ET BT /P <>BDC 6.0942 -.4456 6.283 .0375 6.283 .6545 c Guaranteed Period Annuity (Options 3 and 4) - Guarantees you a monthly benefit for a specific number of months. 11.25 0 0 11.25 25.2 158.9785 Tm EMC EMC /P <>BDC ET 213 0 obj EMC ET 6.23 -1.8331 5.0924 -2.1694 3.665 -2.1694 c ET (automatically deducted from your pay. BT ( )Tj ET /P <>BDC ET /Im7 Do #"""#'''''''''' Visit our website for more in-depth)Tj ET EMC Q /P <>BDC Tier 6 is unique because contributions are determined on a sliding scale. <>/XObject<>/ExtGState<>/ColorSpace<>>> ET -4.2326 -6.2307 l ET /Figure <>BDC BT BT EMC EMC EMC ET /TT2 1 Tf Q EMC ET EMC Should I take a partial lump-sum option from TRS? BT EMC EMC 1 .5 0 0 k Those applying for a position of public trust can plan to have a background check which includes verification of employment, education, and criminal records. EMC ET ET ET EMC 0 792 612 -792 re 11.25 0 0 11.25 589.1019 505.8405 Tm -4.0778 2.7997 -4.1386 3.1648 v /P <>BDC BT /P <>BDC BT EMC EMC 11.25 0 0 11.25 25.2 305.7733 Tm BT ET ( )Tj W n BT ET -9.762 -1.8442 -9.1657 -.281 -7.9737 1.0079 c BT BT 9.45 0 0 9.45 292.3029 527.3381 Tm endstream Teachers' Retirement System - NYSUT 13.05 0 0 13.05 105.6096 710.8624 Tm 11.25 0 0 11.25 25.2 144.4783 Tm /P <>BDC 9.4576 .7802 9.211 .406 9.0043 -.1823 c /P <>BDC EMC EMC Example : The district pays the full 9 percent retirement contributions on all earnings. ET BT /P <>BDC 3.7742 -9.009 2.2523 -5.8443 v /P <>BDC ET f (This document introduces you to the Teachers Retirement System of )Tj q EMC /P <>BDC 1 i (supplemental retirement plan. ET BT EMC BT ( )Tj ET EMC BT 9.45 0 0 9.45 292.9814 345.4918 Tm 11.25 0 0 11.25 290.7682 172.5722 Tm ( )Tj ET BT ( )Tj )]TJ -.0939 1.8739 -.0998 1.9588 -.0998 2.015 c ( )Tj /P <>BDC ( Designate your beneficiaries)Tj 0 0 0 1 k 0 Tc ET Service Retirement Plans and (code 7.2) - trsnyc.org BT /P <>BDC EMC BT (applies to retirees under age 65. 10.469 20.085 m BT 11.25 0 0 11.25 25.2 63.851 Tm (However, if you have been a member of an eligible)Tj /P <>BDC 11.25 0 0 11.25 547.5396 499.0641 Tm /TT12 1 Tf ( )Tj H6P@S 33/%BLA"rL22cSe&(P(3)+/PH)- rKA0 PS ( )Tj This blog post will discuss this option and the benefits and drawbacks of taking a PLSO. ET Q 11.25 0 0 11.25 32.436 223.5254 Tm ET (are enrolled in Tier VI; see )Tj EMC EMC /Link <>BDC BT (through Electronic Fund Transfer \(EFT\) or by)Tj EMC 455.575 57.777 l /P <>BDC 11.25 0 0 11.25 548.9894 587.0416 Tm 4.4432 14.182 6.4522 14.121 v 9.45 0 0 9.45 128.8079 475.3392 Tm W* n Partial Lump Sum Option (PLSO) - Teacher Retirement System of Texas (;)Tj (Loans)Tj <> /Im1 Do .0004 Tw 11.25 0 0 11.25 25.2 648.9418 Tm ( )Tj EMC EMC endstream /P <>BDC BT EMC BT EMC )]TJ -.01 Tc EMC BT 9.45 0 0 9.45 82.6617 475.363 Tm ( )Tj 12.441 -2.5065 12.638 -2.544 12.717 -2.6045 c /P <>BDC /GS2 gs EMC ET 168.465 0 0 105.256 415.263 565.74 cm /Cs8 cs 1 scn /P <>BDC BT 11.25 0 0 11.25 294.3899 599.7417 Tm EMC s 11.25 -.0056 .0056 11.25 326.6426 670.5791 Tm If the member then selects an optional retirement annuity, the option factor will be applied to the reduced standard annuity. ET EMC EMC 11.25 0 0 11.25 553.1094 421.7804 Tm You notice that the later you become a TRS member, the less favorable the normal retirement age will be. 11.25 0 0 11.25 25.2 656.1418 Tm 11.25 0 0 11.25 257.9084 533.7406 Tm (The second portion, if applicable, is based on the)Tj 0 Tc BT f ET 11.25 -.0056 .0056 11.25 585.5695 535.0883 Tm /Link <>BDC /P <>BDC /Figure <>BDC EMC BT ( )Tj BT (Loans)Tj /GS2 gs EMC You may contribute)Tj ET BT /Cs8 cs 1 scn BT EMC /P <>BDC 11.25 0 0 11.25 267.9565 235.9326 Tm /P <>BDC /TT13 1 Tf ET EMC ET ET EMC ET /P <>BDC The QPP provides the )Tj EMC EMC /P <>BDC EMC ET 10.759 -1.7447 11.002 -2.0777 11.384 -2.3023 c /TT6 1 Tf 11.25 0 0 11.25 25.2 363.374 Tm /P <>BDC /P <>BDC ( )Tj EMC (1 year of service credit in a given school year. /P <>BDC EMC BT /Im9 Do 2.2191 10.349 3.2794 10.649 4.5694 10.649 c (service, and from your TDA funds after your first)Tj q BT /GS2 gs 11.25 0 0 11.25 583.4714 711.6722 Tm -.0547 -3.6971 -.2187 -2.2204 v 11.25 0 0 11.25 52.2361 181.0648 Tm BT 3.5719 -8.6081 3.5487 -8.5426 3.5201 -8.458 c /P <>BDC /P <>BDC ( )Tj 9.45 0 0 9.45 95.2919 371.5231 Tm ET /P <>BDC <> EFVU(eufv7GWgw8HXhx)9IYiy*:JZjz m !1AQa"q2#BRbr3$4CS%cs5DT EMC 11.25 0 0 11.25 25.2 663.3419 Tm EMC An active member contributes 6% of his or her gross monthly salary into TRS and the employer contributes an additional 7.5% of the member's gross monthly salary into TRS. 216.274 0 0 69.125 193.922 721.809 cm EMC /P <>BDC 11.25 0 0 11.25 319.5 682.8719 Tm /P <>BDC 11.25 0 0 11.25 282.6949 112.8115 Tm ( )Tj EMC <>stream EMC EMC 11.25 0 0 11.25 25.2 477.5801 Tm -.0002 Tw ET 11.25 0 0 11.25 247.0823 584.1412 Tm (by a member during any continuous period of )Tj BT ET EMC (die after you retire, a different lump-sum benefit)Tj EMC /TT2 1 Tf ET /P <>BDC <> If you retire with less than 20 years of service credit, the benefit is 1.66 percent of your final average earnings (FAE) for each year of service. /P <>BDC /P <>BDC EMC -.6091 -1.5216 -2.8611 -2.4343 v EMC /P <>BDC ET In that case, you would)Tj /P <>BDC 9.45 0 0 9.45 128.808 358.4915 Tm ( )Tj 212 0 obj 11.25 0 0 11.25 286.5547 634.5416 Tm ET [(Y)59(our 4.85% contributions will be indicat)17.1(ed)]TJ 2.0856 -3.1435 1.6352 -3.1173 1.3362 -3.1173 c /P <>BDC 11.25 0 0 11.25 281.8874 320.1735 Tm EMC 0 Tc 11.25 0 0 11.25 25.2 334.5736 Tm 447.729 57.821 447.825 57.789 447.882 57.825 c ET 11.25 0 0 11.25 320.4 645.042 Tm 306 396.12 m Questions from TRS members about retirement are addressed in a column that appears in each issue of NYSUT's monthly membership newsmagazine, NYSUT United. 6.2074 .8067 6.8965 -.1805 y EMC BT BT /TT18 1 Tf BT BT /Cs8 cs 1 scn /P <>BDC (Prior to April 9, 2022, Tier 5 and 6 members required 10 years of service credit to vest.) ( )Tj -4.8696 .3647 -8.7654 2.252 v ET New York City teachers and paraprofessionals who have questions about retirement can also call a pension representative in the borough offices of the United Federation of Teachers. 11.25 0 0 11.25 319.5 198.6328 Tm 210 0 obj ET EMC /P <>BDC 5.3455 -7.5906 5.545 -7.7729 5.545 -8.0166 c BT 11.25 0 0 11.25 25.2361 244.5716 Tm EMC /TT15 1 Tf 0 0 l Q ( )Tj EMC (Publications, FAQs, news, tools, and videos on our website and social media )Tj /GS2 gs 11.25 0 0 11.25 25.2 599.7417 Tm /P <>BDC 11.25 0 0 11.25 387.5223 594.2245 Tm endobj /P <>BDC 9.45 0 0 9.45 270.0383 410.3406 Tm )Tj 9.45 0 0 9.45 70.7336 527.3619 Tm /P <>BDC ET /P <>BDC 11.25 0 0 11.25 565.5689 256.2334 Tm -.0227 9.3349 .4406 9.8055 .9087 10.277 c 0 0 0 1 k ( )Tj 11.25 0 0 11.25 319.5 433.8397 Tm /P <>BDC 11.25 0 0 11.25 402.4078 263.9072 Tm ET BT EMC (Program is a defined-contribution plan maintained in accordance with Section 403\(b\) of the IRC. 11.25 0 0 11.25 25.2 184.8122 Tm EMC EMC BT EMC /P <>BDC ET /P <>BDC [(Guide t)24.8(o)0( Death Ben f)12.2(or Benef)-6.8(iciaries of )]TJ BT 11.25 0 0 11.25 586.0304 349.2799 Tm /P <>BDC ( )Tj /P <>BDC /TT6 1 Tf EMC BT EMC BT /Link <>BDC BT -2.0296 -8.2799 -1.0854 -8.007 -.078 -7.4584 c BT h 10.339 4.7533 11.133 3.0197 v /P <>BDC ( )Tj 11.25 0 0 11.25 25.2 670.5421 Tm q 1 0 0 1 147.707 80.2 cm 0 0 m ET /GS1 gs 11.25 0 0 11.25 583.3442 674.0422 Tm (your TDA account in any combination of the )Tj After a month separation from the district after retirement, you may substitute an unlimited amount of time, providing there is an employee in the position for which you substitute. EMC EMC /P <>BDC /P <>BDC f endstream ET 6.8442 1.7938 7.1432 1.7776 7.5454 1.7455 c 9.45 0 0 9.45 106.7851 501.3624 Tm BT ( )Tj ( )Tj /GS1 gs ( )Tj Q ( )Tj ( )Tj 0 0 0 1 k Q BT /TT12 1 Tf EMC ET Brooklyn: 718-852-4900 11.25 0 0 11.25 283.1233 313.6935 Tm <0017>Tj ET /P <>BDC (se stated here. 0 792 612 -792 re -12.356 12.963 -10.469 14.729 v BT /GS1 gs EMC 11.25 0 0 11.25 219.3996 244.5716 Tm ET 0 Tc 0 0 0 1 k /P <>BDC Q Use Tier 2 drugs, instead of Tier 3, to help reduce your out-of-pocket costs. ( )Tj ET ( available from both retirement plans)Tj /P <>BDC /TT15 1 Tf ET ET Chris Reddick | Jun 1, 2022 Retirement Educators and administrators enrolled in the Teachers Retirement System (TRS) of Texas have an option of the Partial Lump Sum Option (PLSO) upon separation from service. ( )Tj /P <>BDC Q BT [(Options at R)17.3(etirement)]TJ <> /P <>BDC EMC ET ( )Tj 11.25 0 0 11.25 320.4 436.2805 Tm 11.25 0 0 11.25 25.2 565.2243 Tm 3.163 6.6679 3.6741 6.4248 4.414 6.1454 c 11.25 0 0 11.25 214.3484 448.7799 Tm [(Tier III/Tier IV Summar)-30.7(y Plan Descrip)5.8(tion)]TJ 11.25 -.0056 .0056 11.25 575.9366 584.0535 Tm -1.6275 1.6917 -1.4869 1.7938 -1.2069 1.7938 c BT ET ET 0 Tc /GS1 gs /P <>BDC <> Finally, the least favorable. EMC /Cs8 cs 1 scn Glossary | NYSTRS Terms Defined | NYS Teachers' Retirement System s ET /P <>BDC /Artifact <>BDC BT EMC 11.25 0 0 11.25 289.3911 276.9731 Tm -.01 Tc /P <>BDC EMC -.3653 -2.5565 -1.4608 -3.4696 v ( )Tj <0002>Tj 0 792 612 -792 re 11.25 0 0 11.25 571.1942 376.2391 Tm ( )Tj /GS2 gs ( )Tj BT /GS2 gs ET Loans must )Tj EMC EMC ET 11.25 -.0056 .0056 11.25 583.0131 355.3232 Tm BT EMC ET ET 11.25 0 0 11.25 25.2 506.3804 Tm EMC /P <>BDC EMC Q /TT12 1 Tf BT 11.25 0 0 11.25 272.5214 334.5736 Tm /P <>BDC /TT5 1 Tf EMC (up to a designated amount each year, as determined)Tj 11.25 0 0 11.25 278.7837 216.9789 Tm If you substitute and do part-time work at the same time, you may only work 11. 7.6291 -4.003 5.6386 -5.6548 v BT /Im9 Do EMC BT 11.25 0 0 11.25 390.9225 608.7245 Tm 11.25 0 0 11.25 25.2 231.479 Tm BT /P <>BDC New York State United Teachers, Please provide search phrase and then press enter key to search. ET Covered prescription drugs are assigned to 1 of 4 different levels with corresponding copayment or coinsurance amounts. ( )Tj EMC 0 0 0 1 k BT BT /P <>BDC /P <>BDC (be eligible for pension credit, the procedure for)Tj EMC q 1 0 0 1 144.116 47.514 cm 0 0 m Enter your email and date of birth below. EMC 9.45 0 0 9.45 128.8079 410.3406 Tm If you met at least one of the following criteria before Sept. 1, 2005, you are a grandfathered member. ET )Tj ET 0 0 0 1 k /P <>BDC 9.9 0 0 9.9 545.2248 49.5518 Tm EMC f BT Here's Who Qualifies For This Round Of TERS - Careers Portal f ( )Tj 11.25 0 0 11.25 342.4088 277.8333 Tm 11.25 0 0 11.25 583.3066 97.8318 Tm )Tj 1 .5 0 0 k 1.2077 10.654 1.5029 11.035 1.7927 11.422 c 29. [(pa)21.9(y stub. BT BT Q 9.45 0 0 9.45 128.808 345.4918 Tm Q )Tj /P <>BDC These sectors will be able to claim for the period of 16 October 2020 to 15 March 2021. ET <0002>Tj /P <>BDC ET 187 0 obj ET ET /P <>BDC BT 1.3395 -.3639 0 0 v /TT6 1 Tf Q 0 Tw -.01 Tc /GS1 gs EMC In addition, our Tax-Deferred)Tj EMC /P <>BDC ET /P <>BDC BT /GS1 gs /P <>BDC EMC BT ET ET /P <>BDC BT -.005 Tc BT 1.765 .3048 3.6519 -.8528 v /P <>BDC BT ( )Tj 9.9 0 0 9.9 171.5886 428.5801 Tm /Im6 Do 0 0 0 1 k 11.25 -.0056 .0056 11.25 326.621 627.3787 Tm 0 0 0 1 k PDF Teachers Retirement System Tier Ii (Trs Tier Ii) /P <>BDC /P <>BDC /P <>BDC /P <>BDC <0002>Tj BT /P <>BDC EMC BT /P <>BDC /P <>BDC 11.25 0 0 11.25 566.4745 132.4533 Tm 11.25 0 0 11.25 549.66 526.0006 Tm -.01 Tc 0 Tc (York City/State public retirement system )Tj ET 10.8 0 0 10.8 509.2459 36.552 Tm EMC /P <>BDC EMC ET -6.6953 -2.252 0 0 v 14.4 0 0 11.175 27.024 426.602 cm BT ET (you separate from service. Q -.005 Tc EMC BT /GS2 gs )Tj BT /P <>BDC ET ( )Tj BT ET PLSO Eligibility Requirements -1.3201 -3.2726 -1.4417 -3.1697 -1.4417 -2.9635 c /P <>BDC 11.25 0 0 11.25 25.2 274.9793 Tm 11.25 0 0 11.25 590.6556 572.5415 Tm 458.176 55.01 458.075 53.965 458.075 53.21 c EMC 11.25 0 0 11.25 289.1824 144.4783 Tm BT BT q 1 0 0 1 120.804 57.252 cm 0 0 m -2.8608 -9.6775 -1.7654 -5.2952 v [(N)5.8(on-R)16.1(e)8.8(tired Member)-12.2(s)]TJ )Tj Q ET ET )Tj You could RESIGN at the end of the school year and wait until the last day of December to RETIRE from TRS because after your birthday you would then meet the rule of 80. (used to determine your eligibility for a retirement)Tj /P <>BDC BT )Tj 11.25 0 0 11.25 25.2 216.9789 Tm <> ( )Tj 0 0 0 1 k ( )Tj endobj EMC /P <>BDC 11.25 0 0 11.25 319.5 583.6012 Tm 9.9 -.005 .005 9.9 510.0658 442.9256 Tm /P <>BDC 11.25 0 0 11.25 573.6825 169.8325 Tm BT 8.1 0 0 8.1 470.0164 31.1834 Tm It is one of the factors used to calculate when you can retire and how much your annuity will be. BT /GS1 gs /P <>BDC EMC (If you leave your position before you retire, you will)Tj EMC EMC ET (Tier VI Members)Tj (If you decide to work after you retire, your earnings )Tj W n (This publication should not be solely relied upon, as it is based on currently available information that is subject to change. 11.25 0 0 11.25 32.436 145.5184 Tm EMC ET If you do not work past June 15, you will get a June, July, and August retirement check from TRS. BT EMC EMC EMC TRS member in Tier IV, you must contribute to the QPP as indicated below. /TT13 1 Tf 10.8 0 0 10.8 302.9968 20.9373 Tm BT Please)Tj 11.25 0 0 11.25 307.0793 535.1807 Tm 11.25 -.0056 .0056 11.25 326.4778 341.0513 Tm 10.567 -3.1435 10.14 -3.1173 9.8496 -3.1173 c 9.9 0 0 9.9 437.7239 311.7 Tm EMC /P <>BDC EMC BT EMC 0 Tc BT [(TD)22.9(A Loans)]TJ Q BT /P <>BDC Qualification)Tj Notice: To retain your placement in a particular Tier, you cannot terminate your membership by withdrawing your accumulated contributions and resume membership in TRS after Aug. 31, 2014. -2.0693 -.6091 -3.6519 .0605 v /P <>BDC )Tj /Figure <>BDC EMC ET /P <>BDC /P <>BDC BT ET 11.25 0 0 11.25 280.4261 63.851 Tm 0 1.0099 -.1873 1.6324 -.5599 1.8672 c 1.1562 -1.7632 1.1562 -3.469 v /P <>BDC )Tj 11.25 0 0 11.25 43.6862 181.0648 Tm )Tj -.8465 -8.4979 -.9308 -8.5086 -.9773 -8.5086 c 11.25 0 0 11.25 590.6885 601.5417 Tm /GS2 gs BT /P <>BDC 1 i 13.05 -.0065 .0065 13.05 412.1287 703.6566 Tm BT ET -8.6427 16.19 -7.6687 17.164 v /TT5 1 Tf BT EMC endobj ET /P <>BDC /P <>BDC PDF What is my Tier? - Teacher Retirement System of Texas /Cs8 cs .1 scn ET /P <>BDC ET /TT24 1 Tf /P <>BDC EMC Q EMC /TT6 1 Tf For example, if you had 28 years of teaching and your average salary was $60,000 here is the calculation: ($60,000) X (.023) X (28) = $38,640 per year or $3220 per month. <0002>Tj /Link <>BDC 10.8 0 0 10.8 42.3224 353.7313 Tm ET /P <>BDC BT s BT 2.1595 .0189 2.2477 -.3345 2.4276 -.7706 c ( )Tj EMC ( )Tj BT BT You had at least 25 years of service credit; or. BT /P <>BDC Q Teacher Retirement System of Texas BT /P <>BDC -.0002 Tw EMC ET q /TT10 1 Tf 14.4 0 0 11.175 328.587 441.518 cm EMC 11.25 0 0 11.25 320.4 674.0422 Tm /P <>BDC 11.25 0 0 11.25 319.5 668.4717 Tm EMC 11.25 0 0 11.25 320.4 500.041 Tm 11.25 0 0 11.25 319.5 477.0402 Tm 5.5389 -2.069 3.7742 -1.3991 v BT 0 -5.9186 l (to a later date and leave the funds invested with TRS,)Tj ( )Tj /P <>BDC EMC 11.25 0 0 11.25 320.4 587.0416 Tm Information is provided in your ERS Handbook. 11.25 0 0 11.25 25.2 202.4788 Tm 205 0 obj ET .45 w BT BT 11.25 0 0 11.25 52.2361 124.758 Tm BT 457.668 56.418 457.876 56.094 458.003 55.638 c EMC Q ET 0 J 0 j .384 w 4 M [] 0 d ( )Tj EMC All teachers and teaching assistants who joined on or after January 1, 2010, are in Tier 5, and all teacher and teaching assistants who joined on or after April 1, 2012 are Tier 6. /GS2 gs 0 Tw EMC ( )Tj ET /TT12 1 Tf A: Tier 3 and 4 members are required by law to contribute 3 percent of salary until they have been TRS members for 10 years or accrue 10 years of total service credit, whichever occurs first. BT /P <>BDC EMC 0 Tc q 1 0 0 1 398.85 56.709 cm 0 0 m ( )Tj ET q /Cs8 cs 1 scn ET /P <>BDC EMC BT /P <>BDC ( )Tj If you retire at semester, you should get your first retirement check in 31 days. <>stream ET 11.25 -.0056 .0056 11.25 326.5605 506.4175 Tm That's up 4.4% compared to May 2020. EMC 3]CLbJ 216.274 0 0 69.125 193.922 721.809 cm After your examination, you will be notified of the Medical Board's decision by mail. ET ET EMC EMC BT BT (credit. /P <>BDC (You are generally eligible to take loans against your)Tj PDF 2021 Prescription Drug List/Formulary PremiumSelectChoice - OptumRx EMC (of Total Service Credit, or with reduced benefits as)Tj /P <>BDC ( )Tj EMC Tier 1 You retire under the rule of 80 and your best three years of salary will be used for your average salary. BT 9.9 0 0 9.9 341.1 312.119 Tm ET ( )Tj Q BT EMC BT ET EMC ET ( )Tj /P <>BDC ET BT BT BT If the purchased service credit is required for retirement eligibility, payment must be . 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