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Frequently Asked Questions

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A list of the most commonly asked questions.

I am a retiree and have a special skill. How would I teach a course through the UFT's retired teachers program?

Contact the coordinator of the Si Beagle Learning Center where you would like to teach and make an appointment to discuss your idea. Bring your resume and a course outline. You can also mail a copy of your resume and course outline to: UFTWF Retiree Programs, 52 Broadway, 17th floor, NY, NY 10004, or send an email to: lynn [dot] lospenuso [at] uftwf [dot] org (lynn[dot]lospenuso[at]uftwf[dot]org).

How can I obtain the services of a social worker?

Retiree Social Services are available to retiree members and their families by calling 212-598-6880.

What other states offer UFT Welfare Fund Retiree Programs? Is there a contact person?

There are coordinators in all five boroughs as well as in Westchester/Rockland/Putnam, Suffolk and Nassau Counties, Arizona, California, Florida, Georgia, the greater Washington, DC area, New Jersey, Nevada, North Carolina, Puerto Rico and Israel. To find the phone number of the coordinator in your area, call the Retiree Programs’ office at 212-598-6879 or visit the Florida Section of the UFT Welfare Fund Retiree Programs on the UFT website or the Outreach Sections for other parts of the U.S or Israel.

Who is entitled to participate in UFT Welfare Fund Retiree Programs?

All UFT and Welfare Fund retiree members, as well as their spouses or domestic partners on file with the Welfare Fund, are entitled to participate in the program.

Where can I obtain information about UFT Welfare Fund Retiree Programs?

You can call Retiree Programs at 212-598-6879, check out the Retiree Programs section of the UFT website (http://www.uft.org/chapters/retirees/programs), the Guide to Retiree Programs on our website (http://www.uft.org/health-benefits/retiree-programs), read Si Beagle Learning Center annual meeting notices, attend annual meetings and read the retiree page in the New York Teacher (http://www.uft.org/news/ny-teacher/retired-teacher-chapter-news).

Why are there different pension tiers?

Your pension is governed by state law and protected by the State Constitution. Whenever the State Legislature made substantial changes in public employee pensions, it passed a new law creating a new plan for people hired after the law’s effective date. So public employees fall into different pension plans depending on when they began their service.

The plans may have different costs and benefits, so to find out about your pension plan, you need to know what tier you are in. In some cases, people are permitted to change tiers or to transfer their tier membership from another eligible retirement system.

Is there a minimum age for retiring with a pension?

Yes, but the required age differs depending on when you joined the retirement system and what pension tier you are in. To find out the minimum age you must reach before collecting full or reduced pension benefits, you can speak to a pension consultant at your UFT borough office or attend an in-depth UFT pension clinic. The retirement systems also have several publications that describe the retirement plans in detail. Go to the Teachers’ Retirement System at www.trsnyc.org or the Board of Education Retirement System at www.nycbers.org.

How many years do I have to work before I can retire and collect a pension?

The state laws governing the public employee pensions have changed over time. Usually the changes do not apply to people who have already joined the retirement system — in other words, the new pension plan applies only to future members. So the rules about how old you have to be and how long you have to work before you qualify for reduced or full retirement benefits differ depending on when you were hired and joined the retirement system. To better understand your plan, speak to a union pension consultant at your UFT borough office. The union also offers in-depth pension clinics in the UFT borough offices at various times throughout the year for those two to three years from retiring.  Also, make sure you register on the Teachers’ Retirement System website at www.trsnyc.org so you can track the details of your pension status. The TRS also has numerous publications that describe your benefits in detail. Go to www.trsnyc.org. BERS-eligible members can go to www.nycbers.org or call BERS at 929-305-3800.

What is the Tax-Deferred Annuity (TDA) Program?

In addition to the defined benefit Qualified Pension Plan, the Teachers’ Retirement System and the Board of Education Retirement System offer a voluntary program, the Tax-Deferred Annuity (TDA) that allows you to save additional money for your retirement. Taxes are deferred on your contributions to the TDA and on any investment earnings from those contributions until you withdraw the money as income. How much your contributions earn depends on your investment choices. Upon retiring, you may receive your TDA funds in various ways, including as an annuity that is separate from and in addition to your pension allowance.

If I previously worked for the city or state, can I get pension credit for those years of service?

In some cases, Tiers III, IV and VI members can purchase service credit for certain employment they had before joining TRS. For your service to be eligible, the work had to have been rendered while you were in public employment in New York City or New York State. Generally, any New York City or New York State service rendered prior to your membership date may count as pensionable service.