how many hours can a retired nc teacher work?

Call Center openMonday through Friday, 8:30 a.m. - 4:30 p.m. Determine the average of your five highest years of salary. Call Center openMon-Fri, 8:30 am- 4:30 pm, An official website of the State of North Carolina, Learn about Cost of Living Adjustments (COLAs), Helping Members with Retirement or Disability, Schedule for Submitting Contribution Summary Instructions, Empower Plan Sponsor Website for Employers, Valuations and Annual Comprehensive Financial Reports, NC 401(k)/NC 457 Transfer Benefit web page, Enrollment Process for Eligible Retiring Employees, information from the Pierce Insurance Agency. In most cases, retired teachers must possess a master's degree to qualify for teaching positions at a college or university. Under the law, the limits are scheduled to return to 100 days or 500 hours on July 1, 2023. If this occurs, you will be notified and your benefit payment adjusted within one year after you retire. Most teacher contracts cover a set number of work days from late-August to May/June. The median pay for substitute teachers in the US is $13.79 an hour. As with most state pension funds, North Carolinas teacher retirement system provides the greatest benefits to teachers who stay the longest, while leaving everyone else with inadequate benefits. In every state, a teacher who leaves prior to vesting is eligible to withdraw his or her own contributions, sometimes with interest, but few states allow those employees to collect any portion of the employer contributions made on their behalf. MarketWatch photo illustration/iStockphoto. Multiplied by a Retirement Factor of 1.82% (set by state statute) Multiplied by your creditable years of service; Unreduced & Reduced Benefits. You are required to contribute 6% of your salary on a pre-tax basis (before State and Federal taxes)-no more, no less. TSERS is a Defined Benefit Plan, which means retirement benefits are based on salary, years of service and a retirement factor. Most teachers, though, opt to leave the classroom once they reach retirement age. In New Jersey, teachers can retire at the age of 60. Pension wealth is derived from a formula. Our grand total is 2,200 hours, or 42 hours a week, working year-round. . Although the length of vesting periods vary by state, 5 years is typical. In 2018, teachers contributed 6 percent of their salary to the pension fund, while the state contributed 14.16 percent. For more information, check out our state pages, or contact your state's pension plan. After a 6-month break, you may return to work in a position that requires membership in TSERS. Amount of Trudy's allowable earnings** for calendar year 2023. In other words, the lack of benefit portability will hurt the long-term retirement savings of any educator who leaves teaching altogether or who crosses state lines to work in another state. She is also a Chartered Financial Consultant. Although those contributions are invested in the market, and often managed by private equity and hedge funds, a teachers pension wealth is not derived from the returns on those investments. At age 65, many teachers can retire with full pension benefits. How Much Do Grade School Teachers Make a Year. About Human Resources Gov. However, not all of that investment goes toward benefits. CB #1045 There are also ways to earn cash while youre searching for a full-time position. These earnings restrictions apply for the 12 months immediately following retirement and for each calendar year following the year of retirement. See the table below for the normal and early retirement ages in your state. The key is to get a financial plan together so that you have goals to work toward, and also a sense of relief that everything will come together. New teachers starting out in North Carolina can retire: Additionally, North Carolina allows early retirement at age 50 once they have accrued at least 20 years of service, or at age 60 with 5 years of service. The Center for American Progress (CAP) recently released a report on teacher salaries. Generally, this equates to a 10-month work year. The Chicago Teachers Union saw a victory this past spring when Illinois legislators increased the number of days retired teachers can substitute teach without losing pension benefits by 20%, from 100 days a year to 120.. Eligibility to work as a substitute teacher requires that an individual be at least 18 years old and hold a high school diploma or its equivalency (GED) and have at least 60 college credit hours . (Note: TSERS employee contributions made prior to July 1, 1982, and any service purchases whenever made, are after-tax contributions.). Those contribution rates are set by the state legislature and can change year-to-year. In Minnesota, teachers must meet Social Security retirement requirements. As an active employee, you may not establish an agreement for post-retirement employment with a TSERS employer. The NCDPI Online Licensure System will assist you through the application process. Teacher Retirement System of Texas. An official website of the State of North Carolina, Adverse Weather Guide for State Employees. Be sure your retirement application has been received by the Retirement System. Your State Health Plan retiree group coverage to be suspended. ORBIT will provide you with payment history, earnable allowance, tax documents, the option to change your address, and much more. J.B. Pritzker. Contributions made into teacher plans are related but not directly tied to what teachers actually receive in benefits. Retirement, disability, monthly income and medical benefits are also available. That matters a lot. After the required six-month break, if reemployed on a part-time, interim, temporary or contractual basis, or are otherwise engaged to perform services on any basis that does not require membership in the Retirement System, your retirement payment will be stopped if your earnings during the 12-month period immediately following the effective date of retirement or during any calendar year exceed your earnings limitation, which is calculated as the greater of the following: These limits are indexed annually by TSERS. Note: You can continue to work once you have exceeded 867 hours. After this 60-day period, you will no longer be able to elect the optional Contributory Death Benefit coverage. Please see the Return to Work after Retirement section for your Retirement System in. We earn $400,000 and spend beyond our means. Of course, I realize that many people with 40-hour-a-week jobs take work home or work more than their 40 hours. You'll pay $100 to the Massachusetts Department of Education. Completed at least 30 or more years of creditable service with the Teachers' and State Employees' Retirement System. He holds a Bachelor of Arts degree in journalism from Eastern Illinois University. 00:00 00:00. What Jobs Are Available If a Teacher Loses Her Job? A pre-defined formula is used to calculate the retirement benefit amount . All permanent full-time employees who work 30 or more hours per week have the option to choose between TSERS or the Optional Retirement Program (ORP). North Carolina Teachers' and State Employees' Retirement System, Average pension value (2018): -Median pension value (2018): -Vesting Period: 5 YearsTeacher Contribution Rate (2018): 6%Employer Contribution Rate (2018): 14.16%Participation in Social Security: Yes. In most cases, their pensions are subject to certain restrictions. The TSERS is a defined benefit retirement plan established to provide retirement benefits for teachers and state employees in North Carolina. The time limit restriction in Illinois is 600 hours or 120 days in a calendar year. The financial penalty for returning to work for an LGERS employer on a part-time, temporary, interim, or fee for service basis, during the month immediately following the effective date of LGERS retirement, will be the lesser of the following as determined by the Retirement System: You will be deemed to have retired the month after the month you ceased performing services for the employer and repay all retirement benefits received until that date; You will be required to make a lump sum payment to LGERS equal to three times the compensation earned during the month immediately following the effective date of retirement. Many states also offer teachers the option to retire early with a reduced benefit. how many hours can a retired nc teacher work? You can file your claim online on the DES website, or by telephone at 888-737-0259. (This is more than most full-time employees.) The plan is also funded by University contributions those this money goes into the general pension fund. Teacher salaries in North Carolina range from $37,049 to $43,092 per year. If you do not have a NC 401(k) or NC 457 account, you will need to create an account before you retire in order to transfer other retirement accounts into the Retirement System to receive an additional monthly benefit. Contact the Licensure office by phone at 800-577-7994 (toll-free within North Carolina) or (919) 716-1800. In total, 20.16 percent of teacher salary was spent on North Carolina's teacher pension fund. The renewal forms above can be used for reinstatement as well. However, localities can add as much as 3%, potentially topping out at a 9% hit to your wallet . These pension restrictions do not affect retirees who choose to work in the private sector. State and Local Employee Pension Plan Database. The State matches contributions made by State employees. Please Note: Currently, the Call Center takes a lunch break from 11:30 am to 12:30 pm. But remember, again, that teachers' contracts aren't actually for 12 months a year. If you do not make a beneficiary designation, the Retirement System will default your beneficiary to your estate. Once your properly completed Form 6E is received by the System, you will receive a confirmation letter listing the option you selected and the date your first benefit check will be mailed. Members should be aware of the Medicare primacy change and the need to elect Medicare Part B to be effective the date of their retirement. Note: Table is based on data from theUrban Institute's State and Local Employee Pension Plan Database. Secure websites use HTTPS certificates. Teachers with 30 or more years of teaching experience in North Carolina may qualify for a retirement license. If you were first hired prior to October 1, 2006, and retire with five or more years of State System membership service, the State will pay either all or most of the cost if you select one of the Preferred Provider Organization (PPO) plans, depending on the plan chosen. If your Form 6E is returned to the System after the 25th of the month in which it is first payable, your first check will be mailed within a week after the System receives your completed Form 6E. Gov. This can also be thought of as the debt cost of the pension fund. Please Note: Currently, the Call Center takes a lunch break from 11:30 am to 12:30 pm While she didn't make a lot of money as a teacher, she thought retirement would be secure. The legislation was filed by state Rep. Janet Yang Rohr, D-Naperville, and would allow retired teachers to return to the classroom for 140 days or 700 paid hours, without having to . Gov. The pay for tutors ranges from about $10 per hour to as much as $60 per hour. That goes for a full, comprehensive financial plan as well. The 95-day rule allowing retired teachers, principals and vice principals to work in the public school system while drawing income from employment and their pensions will be in effect until the . The basic structure of North Carolinas teacher defined benefit (DB) pension is similar to that of other states. This is $5,440 over the limit. Also, North Carolina will pay 50 percent of the cost of health insurance for any teacher with 10 years of service and 100 percent of the cost of health insurance for those teachers with 20 years of service. Completed a combined total of 30 or more years of employment as a licensed teacher, administrator, or student services personnel in one or more public school units in North Carolina. Take note of these career paths when you're applying for jobs to earn an income after you retire. Review (if you are a teacher or state employee) your State Health Plan (SHP) coverage which will change from the active group to the retiree group. 23243. Once you cash this check or your second payment is direct deposited, your option selection and retirement are irreversible (except under specific circumstances). You can work for 867 hours in a fiscal year (July 1-June 30) without impacting your retirement benefit. You might feel uncomfortable when applying for jobs, especially if you think you are underqualified for a position but try to work around that, and remain confident. (Your TSERS retirement benefit will also be suspended if you return to membership service under the Consolidated Judicial Retirement System.). When we retire, we lose a lot. How to avoid retirement shock. Employees may retire with unreduced benefits after 30 years at any age, after 25 years of service at age 60 or older, or after five years at age 65 or older. Temporaries may not work for more than 11 consecutive months without a lapse in employment of 31 or more days. Senate Bill 399 filed March 28 would let retired teachers work at Title I schools or schools that receive a D or F grade under the state's school performance system without it hurting their . This excludes any debt cost. As a result, you may experience a lapse in your health coverage which means you may not have health coverage for a month or more. Some pensions are valued according to the rise and fall of the stock market, so it's not uncommon for a retiree to . Approximately 90 days from receipt is required by the System to complete your application process. Do You Lose Workman's Compensation Widow Benefits If You Get a Job? Not-so-breaking news: A pension advocacy group thinks pensions are the best retirement option for all workers. But rising pension costs are a significant factor in keeping salaries flat. It will resume following your last day of employment or at the beginning of the next fiscal year (July 1-June 30 . Be sure they are aware of your plans. The NC General Statutes are clear in that there must be a full stop in employment, and a break from work for a specific amount of time with no plans to return to work up to and prior to an employee's effective retirement date. Disclaimer North Carolina has a 5 year vesting period. For all of calendar year 2023 (January 1 through December 31, 2023), Trudy can still earn a total of $17,000. 1. In most cases, the answer is yes, you may still work while receiving a pension but with a few limitations. You would not get the job done. To continue receiving your retirement benefits, the earliest you could return to work would be October 1. - $48,000. (The Center Square) - Retired teachers can work more hours in the classroom without impacting their pension benefits under a measure signed by Gov. Here is a list of the top 10 highest-paying jobs a teacher can pursue after retirement. Remember when I said you should carefully examine your spending? As they work, teachers and their employers must contribute into the plan. He needs 160 hours for the first month of service credit. Receive a Form 6 confirmation letter. Today, many test prep companies offer tutoring services, and teachers can land jobs with these tutoring companies, which normally pay hourly wages and allow retirees to work as often or as infrequently as they wish. Still, you wouldnt be the first retiree to re-enter the labor market. In more than a fifth of plans (22 percent) age-25 hires must work more than 25 years before their future pension benefits are worth more than their plan contributions. Statewide, the rate is 6%. Teachers may opt into a Summer Cash Savings Account program to redistribute their salary over 12 months. Current annual salary for position from which Trudy retired*. Seth will receive two months of service credit at retirement that can be used to increase his annuity. The formula for TSERS is: You qualify forfull (or unreduced)retirement benefitswith: You qualify for areduced retirement benefitwith: You can complete an application for retirement up to 120 days before your planned retirement date. from high school, globally competitive for work and postsecondary education and prepared for life in the 21st Century. Educators can now earn $35,000 to . Earned sick leave for general employees can be used to complete: 30 years of service at any age; 25 years of service after age 60; 20 years of service after . State employees contribute 6% of their salary to the retirement system. Read about your benefit payment options in. . Some people do it because they simply find themselves bored in retirement, while others may realize they need more income to live comfortably. The retiree can earn (i) 50% of the gross pre . Benefits. Retirement Systems DivisionAddress:3200 Atlantic Avenue,Raleigh, NC 27604Email: NCRetirement@nctreasurer.comPhone: (919) 814-4590 Visit ORBIT to acquire a unique user ID and secure password. A lock icon or https:// means youve safely connected to the official website. This optional $10,000.00 benefit payable at your death is available to all retirees for a low cost per month, which will be deducted from your benefit payment. If you have 20 or more years of service (or you are at least age 60 with at least 5 years of service) at the time of your death, your beneficiary can choose between receiving a refund of contributions plus interest or receiving a life-time benefit. Normal cost: The annual cost of retirement benefits as a percentage of teacher salary. If you cant afford to work with a financial professional just yet, you can search for advisers who may do pro bono work. Yes, you can retire at 55 and continue to work. For example, according to the General Court of New Hampshire, retired teachers in Illinois who return to public-sector jobs are limited in the number of hours and days they can work. Retirement date is 7/1/2013. 5-year license cycle is 7/1/2011 to 6/30/2016. North Carolina recently passed legislation that will make it easier for teachers to receive retirement benefits. . Weekend humor from Celia Rivenbark: Our increasingly hysterical weather forecasts. I retired from my job in 2014 and started drawing my Social Security at age 62. Rehired retirees may be subject to earnings limits with the Social Security Administration and/or their previous employerand should consult with these entities before returning to the workforce. State and local government retirees are permitted to return to work for a state or local government employer with certain restrictions. The Best 10 Jobs for Polyglots in 2023. It is important to note, however, that the state assesses an educators final salary based on their average highest 4 consecutive years of salary. The answer to that question depends on the state, the date the teacher began their employment, their age, and their years of service. Retirement Systems DivisionAddress:3200 Atlantic Avenue,Raleigh, NC 27604Email: NC.Retirement@nctreasurer.comPhone: (919) 814-4590 Log into ORBIT. Any renewals for this license after 6/30/2018 will require CEUs. 919-843-2300 Employees have 60 calendar days from their date of employment to complete the online retirement enrollment found at ConnectCarolina>Self Service>My Benfeits>Benefits Enrollment (on left)>Mandatory Retirement Plans. $17,000. See: Im a 31-year-old engineer who wants to shift to a lower-paying job one day what rate of return do I need to sustain my retirement savings? I have severe knee pain but I am mobile and in good health and have good strength. You worked before your retirement, and because of that, you have skills you can offer an employer. Mailing Address: MSC 1331, Raleigh, NC 27699-1331, Physical Address:116 W. Jones Street, Raleigh, NC 27603. Nearly every state has multiple tiers with different benefit rules that depend on the teachers start date. to add your phone and email information. In North Carolina, employees vest in TSERS after five years of service. Your retirement benefit will be suspended on the first day of the month following the month of reemployment and you will again become a contributing member in the month in which you are restored to membership service. ( 2 ) The chart below shows samples of 2021-2022 salaries for entry level teachers around North Carolina. You may republish this article online or in print under our Creative Commons license. You cannot work more than 49% of the . By investigating the types of courses available at local colleges and by making it known that you can teach those courses as well as some not currently offered, you may be able to land a position with the school. Retirement Planning 101. If your benefit is suspended and later reinstated, your State Health Plan retiree group coverage will not be reinstated retroactively. Some retirees of the Teachers' and State Employees . 50 percent of your compensation, excluding termination payments, reported to the Retirement System during the 12 months of service preceding the effective date of your retirement. Rehired North Carolina state government retirees typically work 29 or fewer hours on average per week per year. A lock icon or https:// means youve safely connected to the official website. A retiree may serve as a substitute in more than one vacant position each school year . To learn more, view our full privacy policy. Features. Be subject to earnings restrictions. Be sure to read the Guides on the Form 6 for additional detailed information about the retirement process. Mailing Address: MSC 1331, Raleigh, NC 27699-1331, Physical Address:116 W. Jones Street, Raleigh, NC 27603. * Multiply your average salary (from step 2) by the number from step 1. Visit a quote page and your recently viewed tickers will be displayed here. If you were first hired on or after January 1, 2021, there is no longer a retiree health insurance offered to you through the State of North Carolina. Retired teachers have options for meeting their post-retirement job needs. If you die while in active service, your beneficiary will receive a refund of contributions and interest. Below you will find a summary of the variety of benefits we currently offer to eligible employees. There is a dark side concerning taxes in South Carolina: Sales taxes. For secondary head teachers, it stretches to an average of 63.3 hours per week - the longest of any of the teaching jobs. You are limited to the salary restrictions as indicated in the Official Code of Georgia law 47-3-127 (e) (1). Pension Advocacy Group Thinks Pensions Are Better for Charter School Teachers, Do Late-Career Salary Bumps Help Retain Teachers? Normal Retirement Eligibility: (Age/Years of Service), Early Retirement Eligibility: (Age/Years of Service), Teachers' Retirement System (TRS) - Tier 1, Teachers' Retirement System (TRS) - Tier 2, Hired on or after July 1, 1990 and before July 1, 2006, Hired on or after Jan. 1, 1984 and before July 1, 2011, California State Teachers' Retirement System (CalSTRS), Public Employees' Retirement Association (PERA), Hired before July 1, 2005; vested on January 1, 2011, Hired after June 30, 2005 and before January 1, 2007; vested on January 1, 2011, Hired after December 31, 2006 and before January 1, 2011, Hired on or after Jan. 1, 1997 and before Jan. 1, 2012, District of Columbia Teachers' Retirement Plan, Florida Retirement System Pension Plan: Regular Class, Florida Retirement System Investment Plan, Teachers Retirement System of Georgia (TRS), Employees Retirement System of the State of Hawaii (ERS) - Contributory Plan for General Employees, Employees Retirement System of the State of Hawaii (ERS) - Noncontributory Plan, Hired on or after July 1, 1984 and before July 1, 2006, Employees Retirement System of the State of Hawaii (ERS) - Hybrid Plan, Hired on or after July 1, 2006 and before July 1, 2012, Public Employee Retirement System of Idaho (PERSI), Teachers' Retirement System of the State of Illinois, Iowa Public Employees Retirement System (IPERS), 62/20; 65/4; 55 and AGE + YOS = 88; 70 and still working for IPERS, 62/20; 65/7; 55 and AGE + YOS = 88; 70 and still working for IPERS, Kansas Public Employees Retirement System: School Tier 1, Kansas Public Employees Retirement System: School Tier 2, Hired on or after July 1, 2009 and before Jan. 1, 2015, Kansas Public Employees Retirement System: School Tier 3 (Cash Balance), Hired on or after July 1, 1983 and before July 1, 2002, Hired on or after July 1, 2002 and before July 1, 2008, Hired on or after July 1, 1999 and before Jan. 1, 2011, Maine Public Employees Retirement System: State and Teacher's Retirement Program, Hired on or after July 1, 1983 and before Oct. 1, 1989, Hired on or after Oct. 1, 1994 and before July 1, 2006, Maryland State Retirement and Pension System: Teachers' Pension System, Hired between Jan. 1, 1980 and July 30, 2011, Massachusetts Teachers' Retirement System, Hired on or after Jan. 1, 1979 and before Jan. 1, 1984, Hired on or after Jan. 1, 1984 and before July 1, 1996, Hired on or after July 1, 1996 and before July 1, 2001, Hired on or after July 1, 2001 and before April 1, 2012, Public School Employees' Retirement System - Basic, Hired before January 1, 1990 and retired before February 1, 2013, Public School Employees' Retirement System - Member Investment Plan (MIP) Fixed - Option 1, Hired before January 1, 1990, elected MIP plan - 25 YOS on February 1, 2013 (Option 1), Public School Employees' Retirement System - Member Investment Plan (MIP) Fixed - Option 2, Hired before January 1, 1990, elected MIP plan - 25 YOS on February 1, 2013 (Option 2), Public School Employees' Retirement System - Member Investment Plan (MIP) Fixed - Option 3, Hired before January 1, 1990, elected MIP plan - 25 YOS on February 1, 2013 (Option 3), Public School Employees' Retirement System - Member Investment Plan (MIP) Fixed - Option 4, Hired before January 1, 1990, elected MIP plan - 25 YOS on February 1, 2013 (Option 4), Public School Employees' Retirement System - Member Investment Plan (MIP) Graded - Option 1, Hired after December 31, 1989 and before July 1, 2008 - 20 YOS on February 1, 2013 (Option 1), Public School Employees' Retirement System - Member Investment Plan (MIP) Graded - Option 2, Hired after December 31, 1989 and before July 1, 2008 - 20 YOS on February 1, 2013 (Option 2), Public School Employees' Retirement System - Member Investment Plan (MIP) Graded - Option 3, Hired after December 31, 1989 and before July 1, 2008 - 20 YOS on February 1, 2013 (Option 3), Public School Employees' Retirement System - Member Investment Plan (MIP) Graded - Option 4, Hired after December 31, 1989 and before July 1, 2008 - 20 YOS on February 1, 2013 (Option 4), Public School Employees' Retirement System - Member Investment Plan (MIP) Plus, Hired after June 30, 2008 and before July 1, 2010 (MIP Plus), Public School Employees' Retirement System - Pension Plus Plan (PPP), Hired after June 30, 2010 (Pension Plus Plan), Minnesota Teachers Retirement Association, Mississippi Public Employees' Retirement System, Hired on or after July 1, 2007 but before July 1, 2011, Public School Retirement System of Missouri, Montana Teacher's Retirement System (TRS), Nebraska School Employees' Retirement System, Nevada Public Employees' Retirement System, Hired on or after July 1, 2001 and before Jan. 1, 2010, Hired on or after Jan. 1, 2002 and before July 1, 2009, Hired on or after July 1, 2009 and before July 1, 2011, New Jersey Teachers' Pension and Annuity Fund, Hired on or after July 1, 2007 and before Nov. 2, 2008 (Tier 2), Hired on or after Nov. 2, 2008 and before May 22, 2010 (Tier 3), Hired on or after May 22, 2010 and before June 28, 2011 (Tier 4), Hired on or after July 1, 2010 and before July 1 , 2013, New York State Teachers' Retirement System, Hired on or after July 27, 1976 and before Jan. 1, 2010 (Tiers 3 & 4), Hired on or after Jan. 1, 2010 and before April 1, 2012 (Tier 5), Teachers' and State Employees' Retirement System (TSERS), North Dakota Teachers' Fund for Retirement, Hired before July 1, 2008 and age 55 by July 1, 2013, Hired before July 1, 2008 and younger than 55 on July 1, 2013, Hired on or after July 1, 2008 and retire after July 1, 2013, Retiring on or after Aug. 1, 2015 and before Aug. 1, 2017, Retiring on or after Aug. 1, 2019 and before Aug. 1, 2021, Oklahoma Teachers Retirement System (TRS) - Low Base, Hired after June 30, 1979 and before July 1, 1992, Oklahoma Teachers Retirement System (TRS) - High Base, Hired after June 30, 1992 and before July 1, 1995, Hired after June 30, 1995 and before November 1, 2011, Oregon Public Employees Retirement System: Tier One, Oregon Public Employees Retirement System: Tier Two, Hired on or after Jan. 1, 1996 and before Aug. 29, 2003, Oregon Public Employees Retirement System: OPSRP, Pennsylvania Public School Employees' Retirement System (PSERS) - Class T-C, Pennsylvania Public School Employees' Retirement System (PSERS) - Class T-D, Hired after June 30, 2001 and before July 1, 2011, Pennsylvania Public School Employees' Retirement System (PSERS) - Class T-E, Hired on or after July 1, 2011, Class T-E, Pennsylvania Public School Employees' Retirement System (PSERS) - Class T-F (Optional), Hired on or after July 1, 2011, Class T-F, Employees' Retirement System of Rhode Island (ERSRI) - Schedule B2, Hired after September 30, 2009 and before July 1, 2012, Employees' Retirement System of Rhode Island (ERSRI) - Schedule AB, Employees' Retirement System of Rhode Island (ERSRI), Tier 1: hired on or before Sept. 1, 1980, or hired on or before Sept. 1, 2005 and at least age 50 at that time or age + YOS = 70 that year, Tier 2: hired after Sept. 1, 1980 and on or before Sept. 1, 2007, and not in Tier 1, Hired after June 30, 1975 and before July 1, 1986, Hired after June 30, 1986 and before July 1, 2011, Tier 2 Public Employees Contributory Retirement System, State Teachers' Retirement System of Vermont, Hired on or after July 1, 1981 and before July 1, 1985 (or at least age 57 on July 1, 2010), Hired on or after July 1, 1985 (and younger than age 57 on July 1, 2010), Virginia Retirement System (VRS) - Plan 1, Hired before July 1, 2010 and vested on January 1, 2013, Virginia Retirement System (VRS) - Plan 2, Washington Teachers' Retirement System (TRS) - Plan 2, Hired after September 30, 1977 and before July 1, 1996, Washington Teachers' Retirement System (TRS) - Plan 3, Hired after June 30, 1996 and before May 1, 2013.

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