/P <>BDC 4.4336 6.1454 4.4516 6.1413 4.4702 6.1317 c ET ( )Tj ET 0 Tc EMC ET W* n /P <>BDC ET 0 Tw )Tj ET 0 Tc 11.25 0 0 11.25 25.2 470.0639 Tm )Tj f /P <>BDC W* n 6.7322 7.9648 6.6286 8.1476 6.5446 8.268 c -3.834 6.513 -3.7738 6.6953 v 11.25 0 0 11.25 298.1975 684.9421 Tm ( )Tj 213 0 obj 11.25 0 0 11.25 570.4796 626.8016 Tm EMC EMC 1 .5 0 0 k BT EMC EMC 11.25 0 0 11.25 588.5518 645.042 Tm -.0909 -4.1236 l ( available from both retirement plans)Tj She can be reached through her, more stringent self-reporting requirements, The Power of High Performance Computing: Fueling Complex AI Technologies at Praxis Engineering, Praxis Engineering: Empowering Cybersecurity in the IoT Era, Differences Between Tier 4 and Tier 5 Security Clearance Investigations Ask CJ. BT ET BT EMC 0 0 0 1 k <> (that also can reduce your current tax burden)Tj ET (for disability retirement benefits. BT EMC 0 Tc EMC -11.139 7.0605 -6.6351 5.3563 v /P <>BDC /P <>BDC ( )Tj 2.2774 -1.8051 2.5532 -2.1295 2.9816 -2.3555 c (through Electronic Fund Transfer \(EFT\) or by)Tj 9.45 0 0 9.45 128.8079 449.3398 Tm ( )Tj /P <>BDC EMC /P <>BDC BT /P <>BDC (an accident that was sustained in the performance)Tj -1.08 .4683 -1.2659 .6928 -1.2844 .7118 c /P <>BDC BT (You can do all these things online at)Tj In that case, you would)Tj /P <>BDC ET /Cs9 CS 1 SCN 9.45 0 0 9.45 285.4096 540.3379 Tm ( )Tj /P <>BDC PLSO Eligibility Requirements You tier is determined by: the date you entered your current TRS membership your "grandfathered" status the amount of service credit you had on Aug. 31, 2014 Knowing your tier can help you better understand the requirements and reductions that apply to you. BT 11.25 0 0 11.25 320.4 378.2801 Tm ET /P <>BDC ET Teacher's Retirement System. q 1 0 0 1 146.798 65.55 cm 0 0 m /P <>BDC BT EMC EMC ET -4.8696 .3647 -8.7654 2.252 v 1.3395 -.3639 0 0 v (CUNY adjuncts, and for paraprofessionals employed)Tj 10.8 0 0 10.8 302.9968 20.9373 Tm 7.3625 -3.2726 7.2547 -3.1697 7.2547 -2.9635 c 4.8138 -3.0084 l )Tj 18.99 12.841 10.469 20.085 y 13.05 0 0 13.05 329.0304 277.8333 Tm ( )Tj /P <>BDC 11.25 0 0 11.25 490.3248 247.2332 Tm 11.25 0 0 11.25 25.2 305.7733 Tm EMC 9.9 0 0 9.9 342 94.8734 Tm 11.25 0 0 11.25 387.1815 579.7244 Tm /P <>BDC /P <>BDC BT Use Tier 2 drugs, instead of Tier 3, to help reduce your out-of-pocket costs. BT /P <>BDC (year 2020, the general contribution limit is $19,500;)Tj ( )Tj <> (the maximum amount is $50,000, subject to some)Tj 11.25 0 0 11.25 52.2361 223.5254 Tm EMC /GS2 gs 11.25 0 0 11.25 25.2 627.3416 Tm /GS2 gs Your best five years of salary will be used to calculate your average salary. 11.25 0 0 11.25 589.1019 505.8405 Tm 11.25 0 0 11.25 80.6238 309.811 Tm /P <>BDC 11.25 0 0 11.25 582.197 491.4403 Tm /TT16 1 Tf ET ET 9.45 0 0 9.45 128.808 358.4915 Tm 5.383 .7822 4.938 .9832 4.5814 .9832 c -.01 Tc ET 0 Tc EMC BT 11.25 0 0 11.25 571.9961 141.0322 Tm BT -.0547 -3.6971 -.2187 -2.2204 v /P <>BDC /GS1 gs ET Now you must be at least 60 and meet the Rule of 80. Your options )Tj EMC 11.25 0 0 11.25 267.9565 235.9326 Tm ( )Tj BT EMC 1.765 .3048 3.6519 -.8528 v [(pa)21.9(y stub. 216.274 0 0 69.125 193.922 721.809 cm ( )Tj endobj -1.6461 7.6383 -1.2578 8.0726 -.4808 8.8643 c BT 11.25 0 0 11.25 25.2 371.2941 Tm 6.283 1.3276 5.9554 1.8739 5.2995 2.2942 c 11.25 0 0 11.25 25.2 348.9738 Tm EMC Glossary | NYSTRS Terms Defined | NYS Teachers' Retirement System BT ( )Tj ET 0 792 612 -792 re (used to determine your eligibility for a retirement)Tj BT ET (collectively as the Passport Funds. q 1 0 0 1 139.429 82.025 cm 0 0 m endobj 11.25 0 0 11.25 307.0793 535.1807 Tm )Tj -.005 Tc 0 792.12 612 -792 re Q Example : The district pays the full 9 percent retirement contributions on all earnings. BT ( )Tj EMC /Cs8 cs .1 scn q ET ( )Tj EMC 11.25 0 0 11.25 294.3899 599.7417 Tm EMC -10.409 3.3477 -10.713 5.3563 v 1 i EMC [(April 1)7.8(,)0( 20)38(12\):)]TJ 6.3486 1.1182 6.1853 1.2438 6.1853 1.4582 c EMC 11.25 0 0 11.25 259.9695 264.7329 Tm EMC -11.686 -.3662 -11.869 7.3041 v ( )Tj -8.6611 -4.1055 l -2.0693 -.6091 -3.6519 .0605 v Call TRS at 1-800-223-8778 for the exact reduction of your annuity. 1 .5 0 0 k 11.25 -.0056 .0056 11.25 591.022 656.0468 Tm ET /TT6 1 Tf ET EMC 0 792.12 612 -792 re To use purchased service credit in calculating service retirement benefits, a member must complete the purchase by the effective date of retirement or by the last day of the month in which the member submits a retirement application, whichever is later. 11.25 0 0 11.25 271.8788 284.8932 Tm ( )Tj 11.25 0 0 11.25 581.5782 168.9326 Tm 0 Tc ET 12.797 -2.6653 12.837 -2.7758 12.837 -2.9355 c /P <>BDC 11.25 0 0 11.25 25.2 35.0507 Tm -.6917 -1.4821 0 0 v Special disability)Tj ( through the QPP upon meeting certain age and service requirements)Tj .9468 -2.6269 .0311 -3.6558 v ET BT )Tj ( )Tj BT ET (to provide you with retirement income as soon as )Tj BT Visit the New York City Teachers' Retirement System at nyctrs.org. become a member of TRS on or after July 1, 2015 (Tier II). /P <>BDC -.8514 5.1738 -.487 3.0434 v -4.4434 -1.8261 -5.0516 -1.096 v 11.25 0 0 11.25 25.2 363.374 Tm 11.25 0 0 11.25 582.6365 155.4323 Tm [(R)16.5(e)9.2(tirement Pa)21.3(yment Op)6.2(tions)]TJ -2.1909 -.7307 -3.652 -.6699 v EMC ( )Tj Visit the New York State Teachers' Retirement System at nystrs.org. 11.25 0 0 11.25 25.2 342.4938 Tm BT /P <>BDC (approval of TRS Medical Board. /P <>BDC 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. 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BT -.01 Tc A QDRO is a court order issued when a spouse or former spouse (referred to as the "alternate payee") is awarded a portion of a TRS member's or retiree's TRS benefit and is to receive direct payment from TRS of the portion awarded. /P <>BDC BT 0 Tc /Link <>BDC ET BT ET /P <>BDC BT 38 0 obj endobj /P <>BDC ET /P <>BDC 1.3838 -6.2319 2.0673 -5.3705 y BT -At least age 62, meet the Rule of 80 (combined age and years of service credit equal at least 80), and have at least five years of service credit. Q ET Copies are available from the NYSTRS at 800-348-7298. BT 11.25 0 0 11.25 518.5464 441.0637 Tm BT (allowance. (our TDA Program)Tj /P <>BDC A major overhaul to Texas' pension system for state employees is nearly law after it advanced out of the Texas Legislature on Sunday. TRS has a form QDRO that parties are required to use when submitting an order to TRS. q 1 0 0 1 179.386 67.441 cm 0 0 m /P <>BDC Notice: If you do not meet the requirements of any of the tiers, but you are 65 years of age and have at least five years of service, you may retire with no penalty for early retirement. -1.435 -1.98 l BT BT -4.0328 0 -2.2344 0 v 11.25 0 0 11.25 320.4 204.9538 Tm ET ( )Tj 9.9 -.005 .005 9.9 438.2213 429.9618 Tm (Minimum Distribution \(RMD\) rules. s 11.25 0 0 11.25 25.2361 375.0723 Tm S /Cs8 cs 1 scn /P <>BDC 10.519 1.1999 10.389 1.0791 10.126 1.0515 c f ET EMC ( )Tj /P <>BDC ( )Tj 9.45 0 0 9.45 128.8079 462.3395 Tm ET ( )Tj EMC Staten Island: 718-605-1400, Copyright 2023 endstream 7.8481 -.4429 7.4323 -.7384 v EMC BT 11.25 0 0 11.25 52.2361 104.338 Tm 6.0263 -6.8788 10.896 .9124 y Level or Tier 2: Higher-cost generic and brand-name drugs. /P <>BDC /GS1 gs HWWWld% !Bd"v,8n3KuZZVK+XeUiQ*hv== 1 #~ywr76o` j!h c7lk'j}2U$&QnFz%x* ~V>h~I:@?^9_=C{ EMC BT ET 9.9 0 0 9.9 555.5797 312.119 Tm /P <>BDC <>/XObject<>/ExtGState<>/ColorSpace<>>> BT -.8465 -8.4979 -.9308 -8.5086 -.9773 -8.5086 c EMC BT /GS1 gs -15.511 4.2836 -12.039 7.7559 -7.7556 7.7559 c q 1 0 0 1 155.875 58.961 cm 0 0 m EMC /P <>BDC /TT12 1 Tf 278 0 obj <>/XObject<>/ExtGState<>/ColorSpace<>>> ET 11.25 0 0 11.25 576.0052 514.5411 Tm s Tier 3 Highest Cost. ET ET endstream /TT6 1 Tf 11.25 0 0 11.25 319.5 526.0006 Tm (up to a designated amount each year, as determined)Tj BT ( )Tj /P <>BDC BT 448.665 44.82 447.957 44.74 447.522 44.844 c ET EMC /Im6 Do (payment options. ET 11.25 0 0 11.25 254.7673 213.6125 Tm /TT2 1 Tf EMC -.304 -.9124 0 0 v 11.25 0 0 11.25 25.2 284.8932 Tm 11.25 0 0 11.25 281.9093 216.9789 Tm ET -.01 Tc /GS1 gs 11.25 0 0 11.25 130.0894 265.8909 Tm EMC ( )Tj Q ( )Tj 11.25 0 0 11.25 25.2 356.8939 Tm 11.25 0 0 11.25 320.4 248.4541 Tm EMC ET EMC -4.7472 -6.2693 -5.5383 -4.3818 v /P <>BDC ET EMC EMC -.1918 2.2234 0 1.8671 0 1.3517 c BT 2.0943 7.6943 2.3564 7.2368 2.8817 6.8734 c BT 9.45 0 0 9.45 71.0841 488.3627 Tm Tier 2 You retire under the rule of 80 and your best five years of salary will be used to calculate your average salary. ET q 1 0 0 1 156.392 70.466 cm 0 0 m ET 1 .5 0 0 k 11.25 0 0 11.25 342.4054 263.9072 Tm EMC EMC Will NYS offer early retirement incentive? 1.9474 -9.2515 -.9745 -9.5559 v )Tj ET BT ET 11.25 0 0 11.25 25.2 144.4783 Tm 0 Tc EMC 0 0 0 1 k ET /P <>BDC /P <>BDC 11.25 -.0056 .0056 11.25 326.621 627.3787 Tm Tier 2: teachers with 3-5 years of experience will make a minimum of $60,000. BT BT 3.5719 -8.6081 3.5487 -8.5426 3.5201 -8.458 c 13.05 0 0 13.05 301.0117 691.0623 Tm /P <>BDC 10.651 18.504 10.53 10.712 v /P <>BDC (retirement savings through the TDA Program, our )Tj f ET 11.25 0 0 11.25 319.5 626.8016 Tm W n 10.8 0 0 10.8 556.723 83.9372 Tm 11.25 0 0 11.25 25.2 484.564 Tm BT -.01 Tc 11.25 0 0 11.25 319.5 462.64 Tm /Figure <>BDC (membership rights would vary depending on)Tj -.01 Tc (refer to our website for more information about )Tj /P <>BDC EMC /Cs8 cs 1 scn /TT6 1 Tf (Tier VI Members)Tj -.01 Tc BT ET ET 10.8 0 0 10.8 406.4488 287.851 Tm /P <>BDC You will not be eligible for the health insurance unless you meet the requirements in one of the tiers below. EMC ET )Tj EMC /P <>BDC endobj /P <>BDC ET BT .1697 -2.5157 .5388 -2.3762 v ET BT Q EMC f EMC BT ET If you have a break in service of 12 full consecutive calendar months after retirement (including no substituting), you may work full time for as much as 12 months each school year without any loss of annuities. ET ( )Tj EMC )Tj ( )Tj -.01 Tc 11.25 0 0 11.25 572.506 529.0412 Tm 370.767 47.472 m ET /Figure <>BDC /P <>BDC 11.25 0 0 11.25 319.5 405.0394 Tm BT 8.5783 4.7384 8.4086 5.8223 8.0726 6.4987 c BT FAQs about New Monthly Payroll Reporting BT 1.7048 -3.9112 .8828 -3.5488 .463 -2.8253 c )Tj ( )Tj /P <>BDC TRS-Care is a self-funded program, established in 1985 through Chapter 1575 of the Texas Insurance Code. /P <>BDC 11.25 0 0 11.25 43.6862 202.7649 Tm ET BT )Tj 11.25 -.0056 .0056 11.25 326.5389 463.2171 Tm ET 0 0 0 1 k q 1 0 0 1 132.551 81.842 cm 0 0 m ( )Tj ET )Tj -.9418 -3.2674 -1.0115 -3.2726 -1.0771 -3.2726 c Expect the approval process for the top-secret level to take longer, as well. (Currently, all TRS members belong to one of five)Tj 11.25 0 0 11.25 319.5 227.4331 Tm 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. 7.2547 -2.832 7.3786 -2.6723 7.6252 -2.4838 c 11.25 -.0056 .0056 11.25 326.6066 598.5784 Tm BT EMC Q 13.05 0 0 13.05 151.5661 703.6624 Tm 11.25 0 0 11.25 583.1371 612.4015 Tm BT ET /P <>BDC 11.25 0 0 11.25 319.5 697.2721 Tm ET 7.6079 -6.8174 5.1736 -8.4002 v BT ET BT BT 11.25 0 0 11.25 295.604 221.5326 Tm /TT2 1 Tf BT BT PDF 2021 Prescription Drug List/Formulary PremiumSelectChoice - OptumRx 11.25 0 0 11.25 121.621 145.5184 Tm ET 11.25 0 0 11.25 278.965 274.9793 Tm 9.4576 .7802 9.211 .406 9.0043 -.1823 c 11.25 0 0 11.25 32.436 223.5254 Tm BT (possible. Visit our website for more in-depth)Tj EMC BT /TT2 1 Tf /P <>BDC /GS2 gs BT /Im5 Do 2.2523 -.7301 2.9823 -2.0696 v /P <>BDC (Register for access to the secure section of )Tj ET BT 0 0 0 1 k ET /P <>BDC /TT6 1 Tf -.005 Tc EMC 11.25 -.0056 .0056 11.25 528.9458 555.2769 Tm s /Cs8 cs 1 scn /P <>BDC EMC q /P <>BDC ET /TT24 1 Tf BT BT 8.3085 1.7587 8.1476 1.3069 7.8289 .7287 c Tier 3: more experienced teacher will make a minimum of $70,000. ( )Tj 8.52 -8.7052 5.2948 -5.1127 v (TRS membership would expire 7 school years after)Tj EMC /P <>BDC /P <>BDC ET Your loan may be paid to you either)Tj The district has withheld money from your check each month so they can give you a check in June, July, and August. /P <>BDC f 10.8 0 0 10.8 42.3224 331.7712 Tm /P <>BDC BT EMC 11.25 0 0 11.25 571.4568 558.0414 Tm endobj -2.0296 -8.2799 -1.0854 -8.007 -.078 -7.4584 c EMC [(\(1)6.8(.85% contributions\). EMC 0 0 0 1 k endobj EMC 11.25 0 0 11.25 320.4 436.2805 Tm .3234 5.018 0 5.8403 0 6.8782 c ( )Tj /TT22 1 Tf ET ( )Tj -1.4417 -2.8134 -1.3124 -2.6595 -1.0538 -2.5003 c EMC /TT18 1 Tf EMC -.005 Tc EMC /Link <>BDC 11.25 0 0 11.25 534.6196 484.564 Tm 11.25 0 0 11.25 271.1822 491.9803 Tm (Member Services Center)Tj ( )Tj ET ET /P <>BDC ( )Tj 11.25 0 0 11.25 339.2831 168.9326 Tm 12.6 0 0 12.6 255.1745 724.1578 Tm 10.043 1.0233 9.9157 .9858 9.7477 .939 c EMC /P <>BDC TRS-Care Eligibility and Enrollment. BT BT -.6091 -1.5216 -2.8611 -2.4343 v /P <>BDC EMC /P <>BDC 0 Tc (be affected if you transfer your membership from )Tj /Cs8 cs .1 scn Q BT BT If approved, this clearance gives cleared personnel access to information or material that could cause disastrous damage to national security. -2.8608 -9.6775 -1.7654 -5.2952 v EMC BT -.005 Tc BT (Credit requirement would be waived. /Artifact <>BDC -.2429 -1.7051 0 0 v BT EMC BT (2)Tj ET /TT12 1 Tf 0 Tc 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. f EMC /P <>BDC ET 0 Tc 1 .5 0 0 k Covered prescription drugs are assigned to 1 of 4 different levels with corresponding copayment or coinsurance amounts. ( )Tj ET 0 0 0 1 k BT EMC 216.274 0 0 69.125 193.922 721.809 cm .9269 -6.9104 1.3946 -6.6363 1.3201 -6.6363 c 11.25 0 0 11.25 25.2 228.0125 Tm BT Upon retirement, you may transfer creditable service between ERS and TRS. /P <>BDC q 1 0 0 1 424.731 57.288 cm 0 0 m EMC These benefits will also be subject to the terms of the Memorandum of Agreement or standard . EMC BT -10.409 3.3477 -10.713 5.3563 v EMC <>stream /P <>BDC (A guaranteed retirement allowance)Tj /P <>BDC 11.25 0 0 11.25 276.8776 385.6942 Tm Tier 3 You retire under the rule of 80 and you must be 60 years of age. ET BT 6.9657 1.0437 6.8442 1.062 6.6762 1.0809 c The final average salary will be based on the four highest years within the last 10 years of creditable service. 207 0 obj BT EMC 0 Tc ET /P <>BDC ET Last month, for example, 2,500 educators in New York filed paperwork to retire, the pension system said. ET ( )Tj EMC ET EMC Q BT As a)Tj 0 792 612 -792 re 11.25 0 0 11.25 298.3506 628.7419 Tm -1.0946 -1.3994 -3.2255 -1.6426 v <> 0 Tc 11.25 0 0 11.25 25.2 628.7419 Tm 3 Tiers, 4 Tiers, 5 Tiers and More - A look at tiering in - PhRMA 11.25 0 0 11.25 25.2 129.3718 Tm /P <>BDC BT -.9639 1.7938 -.6035 1.7729 -.1269 1.7316 c BT All refunded contributions must be purchased as no partial buy backs are allowed. 1 .5 0 0 k ( )Tj (with 3 years of service, subject to certain exclusions.\))Tj 11.25 0 0 11.25 278.943 49.4509 Tm 0 Tc 11.25 0 0 11.25 25.2 585.2416 Tm /TT10 1 Tf [(Options at R)17.3(etirement)]TJ /P <>BDC EMC BT ET endobj 9.45 0 0 9.45 289.1882 358.4915 Tm 6.1853 1.6818 6.3396 1.7938 6.6476 1.7938 c EMC /P <>BDC /GS2 gs /P <>BDC ET 11.25 0 0 11.25 32.436 181.0648 Tm ET q 1 0 0 1 147.707 80.2 cm 0 0 m ET 11.25 0 0 11.25 25.2 463.18 Tm /TT16 1 Tf BT 9.9 0 0 9.9 342 311.7 Tm -1.1565 -8.3401 -6.0871 -7.0611 v 590.801 31.183 m EMC ( )Tj Your TRS monthly payment is based on the best three-year average of your annual compensation if you are grandfathered. EMC /P <>BDC BT /P <>BDC 11.561 -2.4149 11.807 -2.4785 12.124 -2.4928 c BT /P <>BDC Q ET BT ET -.01 Tc 14.4 0 0 11.175 328.587 441.518 cm /P <>BDC The higher the security clearance, the longer it can take to investigate, and the deeper the investigation may go into your background. 9.6125 1.7776 9.8794 1.7938 10.056 1.7938 c /Link <>BDC EMC /Artifact <>BDC 12.6 0 0 12.6 389.6696 295.0623 Tm (allowance under the QPP, as well as the amount )Tj 11.25 0 0 11.25 291.5115 127.2116 Tm 0 Tc BT ET ET Q BT FAQs: TRS-Care Medicare. q 1 0 0 1 124.578 76.912 cm 0 0 m 11.25 -.0056 .0056 11.25 562.3719 491.8995 Tm 0 -1.98 l EFVU(eufv7GWgw8HXhx)9IYiy*:JZjz m !1AQa"q2#BRbr3$4CS%cs5DT /P <>BDC EMC /P <>BDC 11.25 0 0 11.25 340.0472 375.0723 Tm 12.834 0 12.834 -.7084 v 11.25 0 0 11.25 45.4232 287.851 Tm 1.2057 1.6694 1.5769 1.6897 2.0683 1.7316 c EMC 11.25 -.0056 .0056 11.25 326.6354 656.179 Tm 4.2843 3.0981 5.278 3.96 6.0209 3.96 c BT ET ET (ending your TRS membership, transferring your)Tj ( )Tj ET Q /TT6 1 Tf /Im6 Do 13.05 -.0065 .0065 13.05 390.2555 402.94 Tm ( Members who maintain a TDA account)Tj /Link <>BDC 10.8 0 0 10.8 572.0576 331.7712 Tm EMC ET EMC W n W* n ( )Tj <>stream W n EMC EMC ET ( )Tj ET 2.7744 -8.3138 2.3003 -8.2745 1.9821 -8.2745 c 0 0 l 381 0 obj /P <>BDC ( )Tj 11.25 0 0 11.25 320.4 450.7806 Tm 13.05 0 0 13.05 319.5 274.9534 Tm ( )Tj BT 0 Tc ET -2.08 -11.472 l /P <>BDC 10.8 0 0 10.8 509.2459 36.552 Tm ( )Tj BT -2.0526 -1.9437 -2.0526 -2.4886 v 0 Tc ET The five tiers of security clearance are grouped into three levels as a part of Trusted Workforce 2.0. /P <>BDC /TT15 1 Tf /P <>BDC ET -26.294 -20.209 -18.625 -22.277 y /GS1 gs Lets say your birthday is in December. 13.05 0 0 13.05 329.0304 213.033 Tm EMC BT /GS1 gs 9.45 0 0 9.45 288.8574 319.4922 Tm /P <>BDC 3.0423 1.3762 l (4)Tj ET BT BT 11.25 0 0 11.25 270.0001 305.7733 Tm EMC /P <>BDC EMC EMC /P <>BDC EMC 11.25 0 0 11.25 555.2249 470.0639 Tm You may also be eligible to )Tj ET ET ( )Tj EMC 11.25 0 0 11.25 575.9888 233.9539 Tm 11.25 0 0 11.25 25.2 170.4121 Tm EMC ET EMC ET 11.25 0 0 11.25 262.704 692.1422 Tm 0 Tc BT 2.2671 3.5045 1.4573 3.9438 .9695 4.4112 c /GS1 gs BT <> BT (vested. EMC 11.25 0 0 11.25 25.2 605.7413 Tm 0 Tc 11.25 0 0 11.25 569.5022 405.0394 Tm !! /Figure <>BDC 11.25 0 0 11.25 320.4 645.042 Tm 1.765 .3048 3.6519 -.8528 v (by the DOE and participating Charter Schools. /TT18 1 Tf /P <>BDC ( )Tj Manhattan: 212-598-6800 /P <>BDC 11.25 0 0 11.25 581.395 682.8719 Tm 455.575 57.777 l )Tj EMC ET 325.576 107.14 262.686 206.645 re All tiers vest with five years of service credit. 379 0 obj 11.25 0 0 11.25 309.486 342.4938 Tm Please)Tj /P <>BDC f 6.5118 6.3301 5.6599 5.4775 v 11.25 0 0 11.25 280.4261 63.851 Tm BT FAQs: TRS-Care Standard. ET EMC Loans must )Tj -5.7823 -.304 -5.1131 1.4611 v EMC EMC endobj 2.2191 10.349 3.2794 10.649 4.5694 10.649 c EMC BT 11.25 0 0 11.25 319.5 241.8333 Tm 167.139 306.493 m ET 0 Tc 1.1562 -1.7632 1.1562 -3.469 v EMC EMC 0 0 l ET 11.25 0 0 11.25 579.291 477.0402 Tm ( )Tj BT TRS Tier Placement Map - Teacher Retirement System of Texas Q 9.9 0 0 9.9 341 299.1193 Tm <> 0 Tc /P <>BDC BT [(Y)59(ou are req)9.8(uired t)15.1(o)0( contribut)17.1(e 3% of y)13.2(our)]TJ ( )Tj (QPP as indicated below. 0 0 0 1 k [(L)16.1(u)0(m)13.1(p-Sum Disability Benef)-6.8(it)]TJ 11.25 0 0 11.25 195.8014 181.0648 Tm 11.25 0 0 11.25 516.7911 230.1331 Tm ET <0017>Tj 3.7742 -9.009 2.2523 -5.8443 v Q f /P <>BDC /P <>BDC /Artifact <>BDC ( )Tj (allowance payments under the QPP for as long as )Tj -.005 Tc W* n 12.834 -1.4168 12.834 -12.834 y ( )Tj 10.567 -3.1435 10.14 -3.1173 9.8496 -3.1173 c ET /Im10 Do ET Q /Cs8 cs 1 scn /Figure <>BDC BT /P <>BDC /GS2 gs Tier III members may elect to retire under the provisions of either Tier III (Article 14 of 447.729 57.821 447.825 57.789 447.882 57.825 c EMC ( )Tj 447.882 57.825 m EMC /Link <>BDC 11.25 0 0 11.25 568.7166 198.6328 Tm /P <>BDC BT BT 0 0 0 1 k <>stream ( )Tj 0 Tc /P <>BDC 0 0 0 1 k /P <>BDC 0 0 0 1 k 7.4804 .0945 7.1647 -.2228 6.8823 -.2228 c 9.45 0 0 9.45 128.8079 501.3387 Tm Q ( )Tj ET Aetna administers the health plan while Express Scripts administers the pharmacy benefit. ET <>stream /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 /P <>BDC (administered under Section 401\(a\) of the Internal Revenue Code \(IRC\). -.01 Tc BT 9.45 0 0 9.45 286.3412 332.492 Tm (by the symbol throughout this document. (se stated here. /P <>BDC Level or Tier 3: High-cost, mostly brand-name drugs that may have generic . /TT12 1 Tf H6P@S 33/%BLA"rL22cSe&(P(3)+/PH)- rKA0 PS ET 11.25 0 0 11.25 25.2 141.6118 Tm EMC BT ET 11.25 0 0 11.25 579.1629 213.033 Tm EMC ET endstream EMC 0 0 0 1 k endobj /P <>BDC EMC ( )Tj BT /P <>BDC BT ET /GS2 gs endobj W n (complete information about your Total Service Credit,)Tj BT 11.25 -.0056 .0056 11.25 326.4994 384.2518 Tm /TT2 1 Tf /P <>BDC EMC .5256 3.5252 .9555 3.7014 1.7299 4.0273 c ET BT /P <>BDC BT /TT2 1 Tf 11.25 0 0 11.25 280.2503 245.9791 Tm ET Three members of this board are teachers. )Tj TRS will then notify you by mail of the date and time of your examination with the doctors on TRS' Medical Board. (document for some important steps to complete your enrollment in TRS. 11.25 0 0 11.25 572.4677 500.041 Tm 4.565 8.2781 6.0251 7.1212 v 11.25 0 0 11.25 292.7144 627.3416 Tm /P <>BDC EMC BT Tier 1 (NACI): Low Risk, Non-Sensitive, including HSPD-12 Credentialing Tier 2 (MBI): Moderate Risk Public Trust (MRPT) 15.119 0 0 12.419 29.424 120.651 cm ET ET 11.25 0 0 11.25 319.5 491.4403 Tm ET EMC EMC /P <>BDC endstream EMC BT EMC /TT13 1 Tf 13.5 0 0 13.5 31.7162 353.7313 Tm EMC /P <>BDC 11.25 0 0 11.25 300.6248 549.5809 Tm <>stream /P <>BDC 0 0 0 1 k EMC endstream BT 2.0697 26.355 -6.8776 21.242 y 11.25 0 0 11.25 320.4 659.5421 Tm BT 11.25 0 0 11.25 482.6973 334.7798 Tm q BT 3.0423 -4.8291 l s /P <>BDC ET BT /P <>BDC ET -.005 Tc One of the measures that is designed to provide relief to employers and employees in South Africa is the COVID-19 TERS benefit. /P <>BDC ET ( )Tj )Tj -3.834 6.513 -3.7738 6.6953 v (change your investment mix on a quarterly basis,)Tj BT EMC 9.9 0 0 9.9 46.8 106.8986 Tm (Your Total Service Credit is one of the factors )Tj EMC BT At retirement, you will have a choice of )Tj (TRS offers you seven investment options, known)Tj BT BT -.005 Tc EMC Adobe d -.01 Tc 8.7654 14.121 6.9395 16.982 v ET -.01 Tc (receive supplementary health benefits through your)Tj EMC 0 Tc ( )Tj ( )Tj /P <>BDC 9.9 0 0 9.9 325.576 119.5858 Tm EMC ( )Tj Your current TRS membership began prior to Sept. 1, 2007, You had at least five years of service credit as of Aug. 31, 2014, You had at least five years of service in TRS as of Aug. 1, 2014, Your current TRS membership began on or after Sept. 1, 2007 but prior to Sept 1, 2014, You had at least five years of service credit in TRS as of Aug. 31, 2014, Your current TRS membership began on or after Sept. 1, 2007, but prior to Sept. 1, 2014, you did not have at least five years of service credit on Aug. 31, 2014, your current membership in TRS began on or after Sept. 1, 2014. 0 Tc 5.545 -8.3448 5.3074 -8.5086 4.83 -8.5086 c EMC ( )Tj BT EMC s EMC W n EMC ET /P <>BDC ( )Tj ( )Tj 7.2148 10.346 7.6204 9.9652 7.6681 9.3802 c f BT 3.1604 3.6913 l 9.45 0 0 9.45 106.7851 501.3624 Tm ET (of your benefits. ET EMC W n However, if you are disabled as a result of )Tj 11.25 0 0 11.25 265.8142 506.3804 Tm 11.25 0 0 11.25 281.6621 656.1418 Tm BT [(Y)59(our 4.85% contributions will be indicat)17.1(ed)]TJ 7.7795 7.5132 l 10.339 4.7533 11.133 3.0197 v 13.05 0 0 13.05 329.0304 168.9326 Tm /Cs8 cs 1 scn 11.25 0 0 11.25 290.989 591.3412 Tm ET q 11.25 0 0 11.25 320.4 334.7798 Tm 11.25 -.0056 .0056 11.25 326.6282 641.7788 Tm ET ET BT 11.25 0 0 11.25 250.2025 570.7415 Tm Q TRS member in Tier IV, you must contribute to the QPP as indicated below. 6.0263 18.382 4.0173 19.538 v <> BT 9.45 0 0 9.45 25.56 371.5231 Tm 14.4 0 0 11.175 321.684 309.77 cm <0017>Tj ET (Education \(DOE\), the City University of New York \(CUNY\), and participating New York City Charter)Tj 11.25 0 0 11.25 25.2 513.5804 Tm /Figure <>BDC 11.25 0 0 11.25 243.1222 353.7313 Tm q 1 0 0 1 420.01 51.99 cm 0 0 m ET BT EMC ( )Tj BT BT 3.5898 -15.275 l ( )Tj /P <>BDC /P <>BDC The system is governed by a nine-member board of trustees appointed by the governor with the approval of the Texas Senate. /P <>BDC 0 Tc EMC EMC ET /P <>BDC ), The formula to calculate the standard annuity is, (Highest 3- or 5-year average) (.023) (years of teaching) = your yearly amount. 11.25 0 0 11.25 25.2 470.38 Tm ET (years salary after 3 or more years of service. Q EMC EMC ( )Tj EMC q ( )Tj EMC /P <>BDC 11.25 0 0 11.25 283.1233 313.6935 Tm ( )Tj EMC 9.9 0 0 9.9 557.9558 312.119 Tm BT W n /P <>BDC )Tj BT ET -1.0008 -9.295 -2.4728 -9.8264 -4.1373 -9.8264 c [(Common R)16.1(e)8.8(tirement Ques)14.1(tions)]TJ 11.25 0 0 11.25 25.2 127.2116 Tm BT 11.25 0 0 11.25 342.4054 185.6066 Tm 9.9 0 0 9.9 470.6063 49.5518 Tm Queens: 718-275-4400 11.25 0 0 11.25 581.0425 378.2801 Tm (Schools. ( )Tj ET 11.25 0 0 11.25 319.5 612.4015 Tm W n EMC EMC /P <>BDC ET ET 10.365 1.7938 10.519 1.6676 10.519 1.4151 c /GS2 gs /P <>BDC q 1 0 0 1 120.804 57.252 cm 0 0 m /P <>BDC 123 0 obj 11.25 0 0 11.25 267.259 441.5797 Tm EMC /P <>BDC -4.2144 -1.9255 l EMC 11.25 -.0056 .0056 11.25 326.5605 506.4175 Tm EMC ( )Tj EMC ET If you)Tj BT 8.0952 -.0608 5.9643 -1.4601 v EMC /Cs8 cs 1 scn /P <>BDC BT ET /P <>BDC 134 0 obj ET ( )Tj PDF TRS Benefits Handbook - Teacher Retirement System of Texas /Im2 Do 10.8 0 0 10.8 329.0304 138.9541 Tm EMC BT BT 10.8 0 0 10.8 418.2473 138.9541 Tm /Figure <>BDC

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