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Office of the New York State Comptroller’s Seal

NYS Comptroller

Thomas P. DiNapoli

Preparing for Retirement

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Part Two: Service Credit & Loans

Service Credit and Loans

You Can Get Credit For:

  • Military Service
  • Unused/Unpaid Sick Leave (employer elected)
  • Article 19 (Tiers 1 & 2)

The last two to three years before you retire are crucial in your retirement planning. You’ll want to make sure you’ve received credit for all your public employment in New York State.

In most cases, the more credit you have, the greater your retirement benefit will be.

Besides the actual service credit you earn as a member of the System, you may also get credit for the above.