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Office of the New York State Comptroller’s Seal

NYS Comptroller

Thomas P. DiNapoli

State Police Plan

For PFRS Tier 2, 5 and 6 Members

(Section 381-b)

Contributing Toward Your Retirement

Tier 2 Members

If you are a Tier 2 member, you are not required to contribute toward your retirement benefits, but may elect to make voluntary annuity savings contributions to the Retirement System. These contributions, plus the interest they earn, will provide you with an annuity, in addition to your regular service retirement benefit, when you retire.

Tier 5 Members

If you are a Tier 5 member, you are required to contribute 3 percent of your reportable earnings toward your retirement benefits until you retire or have 32 years of service credit, whichever occurs first. These mandatory contributions are not annuity savings contributions and will not provide you with an additional annuity when you retire.

Tier 6 Members

Tier 6 members are required to contribute a specific percentage of your reportable earnings (see chart below) until you retire or have 32 years of service credit, whichever occurs first. During the first three years of membership, your contribution rate is based on your annual wage, as provided by your employer on your Membership Application. After this three-year period, your contribution rate is based on what you actually earned two years prior. For part-time employees, your contribution rate is based on your annualized wage. Contribution rates are set April 1 of each year. Regardless of whether you work on a full- or part-time basis, however, the amount of your contribution is determined by applying your contribution rate to your current reportable earnings. These mandatory contributions are not annuity contributions and will not provide you with an additional annuity when you retire.

Annual Wage Contribution Rate
$45,000 or less 3.00%
$45,000.01 to $55,000 3.50%
$55,000.01 to $75,000 4.50%
$75,000.01 to $100,000 5.75%
More than $100,000 6.00%