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You Should Know

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Borrowing from your retirement funds

One of the many benefits of our Teachers’ Retirement System is that we each have the ability to borrow against our retirement funds.


Special education

Here are some important things to know about IEPs, IEP team decisions, teacher assignments, ICT classes and self-contained classes if you work with students with disabilities.

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Resolving conflicts

Workplace conflicts are hard to avoid. The key is learning how to manage and even gain from them.


Your prescription drug plan

All eligible in-service UFT members and their dependents have prescription drug coverage through the UFT Welfare Fund. There are no waiting periods for this coverage. Learn more about this valuable benefit.

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Death benefits

Here is some important information about death benefits offered by the Teachers’ Retirement System and the Board of Education Retirement System for in-service members in Tiers 3, 4 and 6.

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Mental health support groups

Belonging to a support group can significantly ease your burden. when confronting personal or professional challenges. The UFT offers a number of support groups.

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Program to help defray your medical, drug and child care costs

As medical, drug and child care costs continue to spiral upward, please note that the City’s Health Care Flexible Spending Account (HCFSA) Program and the Dependent Care Assistance Program (DeCAP) can help defray some of those increased costs.

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6 investment choices lead to peace of mind

Members of the Teachers’ Retirement System or the Board of Education Retirement System have a voluntary, supplemental savings plan, the Tax-Deferred Annuity, that can help ensure their retirement security.

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Preparation periods

Among the many meaningful rights and professional protections that your contract provides is time carved out each day for teachers to do professional work. Teachers are generally entitled to five prep periods per week. Prep periods are self-directed; teachers determine what to do during their prep periods.

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Dental care

The UFT Welfare Fund provides dental benefits through two programs: the Scheduled Benefit Plan, which provides services through the Welfare Fund panel or a dentist of your choice; and Dentcare, a no-cost dental HMO.