City Police Department (NYPD), whose membership date is between July 1, 1973 and June 30, 2009. The reduction percentage depends on your retirement plan and tier.
Im so done with this. Starting salary: $42,500 Salary after 5 years: $85,292. applicable cost of living adjustments (COLAs). For Service or Vested Interest Retirees who
The different tiers offer varying benefits and utilize different savings strategies. Once you reach age fifty, you can invest up to twenty-five thousand. there shall be no earnings limitations on or
One of our representatives will review your account and respond to your questions. Or is it reduced by more than 27% due to my resignation at age 47? December 31, 1983. The additional years only adds maybe $500? Please explain. When active membership ceases, pension portion
Long Island officers wages nearly double, to $155,600, after 11.5 years of service. New York State or work for the U.S. Government,
GHI is useless to her where she lives so she waived it. their retirement allowance from the Police Pension
Filling out the secure form allows them to safely contact you about your personal account information. We recommend that you contact our customer service representatives to ask any account-specific questions you may have before you choose a date. Thank you. York State public employment while still collecting their full pension. I am a Tier 4 member. Tier 4 can retire with full benefits at age 55 or later if you have 30 or more credited years of service. If you are considering leaving payroll before you retire, you should contact our customer service representatives to discuss how that would affect your NYSLRS benefits. I have called/written/and have been scolding for calling every six months! I didnt even know that was possible. Im tier 4I started working at 22. I realize a lot of it can depend on how long you live, but if you picked an arbitrary number of years like 15 years someone should be able to calculate the difference. government agency or an employer in another country. that I am required to begin collecting my pension? As a subscriber, you have 10 gift articles to give each month. Life Changes: What If I Work After Retirement? Hello. I have 25 years of service and my age is 50. I cant seem to find any information about leaving before 55 with 30 years in. Once youre vested, you have a right to a NYSLRS retirement benefit even if you leave public employment. You can submit your retirement application 15 to 90 days before you turn 55. Before that, in the pre-pandemic years of FY 2018 and 2019, uniformed OT spending was $589 million and $599 million, respectively. If so I cant start to collect until I turn 55? You can enter different retirement dates, final average earnings and service credit totals to compare retirement outcomes. 100% joint and survivor: $1,414. For example, if youre vested and no longer work for a public employer, and you dont think you will again, taking your pension at 55 might make sense. This post has focused on Tier 3 and 4 members. Filling out the secure form allows them to safely contact you about your personal account information. You should start your retirement planning process by assessing your options and figuring out what benefits you have. Since the 457 option is a pre-tax contribution choice, you wont get a guaranteed return on your deferred compensation, but it will help you diversify your portfolio over time. Jon M. Shane, 45, a professor of criminal justice at John Jay who retired as a police captain in Newark, said that many veterans stayed on because despite the trials and tribulations, theyve mastered the tasks of policing and enjoy the camaraderie.. Hi, i have the same issue. covered by Social Security had their Social Security This nurse would have put approximately 248,415.26 into the pension, yet only receive 7665.89 per month. A friend, in another union, just began her job with the state and got her reinstatement within two months. You can call them at 1-800-772-1213. If you are a Tier 3, 4, 5, or ERS Tier 6 member, you are eligible for a benefit on your 55th birthday. the retired person at the time of retirement. For this purpose, such service
Correct me if Im wrong. A good standard to set in place is to try to put in a little more than you think you can from the beginning of your career. Thank you. 0:19 ALBANY - A majority of the newly retired members of the Yonkers Police Department are eligible to receive annual pensions in excess of $100,000, well above the state average, according to a. Democracy (Mob rule) is two wolves and a well armed lamb voting on what to eat for lunch. I currently receive the Cost of Living Adjustment (COLA), which reduces the Variable Supplements Fund (VSF) payment that I receive around December 15. each year. now receive up front service credit for that time. I resigned from my employer in early 2019 with 18 years of service and at age 47. BENEFIT CORPORATIONS
The Comptrollers website says: For each year of credited service beyond 30 years, you will receive 1.5 percent of your FAS. If youre an ERS member, starting in 2008 would place you Tier 4. For account-specific information, you can email our customer service representatives using the secure email form on our website (http://www.emailNYSLRS.com). Social security sends me a form several times a year asking me when I will retire. Creating an income timeline while considering your NYPD retirement pension will let you prepare for this life transition and know if you need to make other investments. After 30 years of service, your pension benefit continues to increase at a rate of 1.5 percent of FAE for each year of service. I was recently told by our school representative, that as a Tier 4 member, as long as I wait until age 62 to retire, at which time I will have 23 credit years of service, there would be no penalty and I would receive full benefits the same as if I had 30 years, ie 60% of my FAS. 3. Learn more in the ERS Tier 3 and 4 retirement plan book. And each year of duty past 20 increases their pension. Will I be penalized if I quite my job and start collecting my retirement next year when I turn 55? Could someone clarify if this is the case for a Tier 4 retiree, because I am considering retirement in the next few months. RETIREES, Retiree
The most powerful among them is the Police Benevolent Association. Will there still be an employment limitation on my earnings if I retire on a disability and I have reached my twentieth anniversary? Filling out the secure form allows us to safely contact you about your personal account information. 571 of the Laws of 2000 Amendment, Chapter
FAQ's. NOTE: It is the responsibility of the service
If the pace continues in the fourth quarter, the NYPD stands to lose 4,072 cops this year. Retired. If an employee has 30 years of service, the formula is (FAS x 1.66% x 20) + (FAS x 2% x10) OR FAS x 2% x 30? Each of these ranks afford members the opportunity to earn significantly higher salaries. Or if I waited until age 61, the penalty would drop to 6%? For clarification Lorna Moffre, it is your 36 highest consecutive months. If you need help with Retirement Online, please contact the NYSLRS Call Center at 1-866-805-0990 (or 518-474-7736 in the Albany, New York area). Can I be employed with New York State or any of its political subdivisions? They may be a little less swift on their feet or nimble in a fight, but despite the perils of their job, many have never lost their love for the electricity and unpredictability of the streets. In other words, does the penalty kick in from the day you leave service, or from your age when you start collecting the pension? When active membership ceases, pension portion
50% joint and survivor: $1,560. As a Tier 4 member, unless you are in a special plan that allows retirement after 20 or 25 years regardless of age, you must be at least 55 years old to retire and collect a NYSLRS service retirement benefit. deputy sheriff, marshal, district attorney investigator
If you are using tier 2 of the NYPD retirement system, youll have a few more choices to consider. political subdivisions if I retire on a service
How it works How long will it take to hit the 20 year mark with this work schedule? I didnt know this was a thing. I keep getting letters from social security waiting to know if, when I retire. The fifty-percent indicator means officers can overfund their retirements using fifty percent of their designated contribution rates, but this happens after-taxes. formula produces the monthly payment amount. By changing each variable, you can see the impact it may have on your benefit. Do I now have to work 5 more years to benefit from the increase in terms of my FAS? You can use your 401(k) for your deferred compensation as well. 2. thereof (including NYCERS, Police and Fire); or, ii. If you are an ERS member in Tier 3 or 4 and over age 55, you will be eligible for your full retirement benefit once you reach 30 years of service. That way, you can attain the retirement lifestyle of your dreams. If so, what is the maximum benefit for tiers 3, 4, 5, & 6? Would I resign and then not officially retire for 5 years? 3. Filling out the secure form allows them to safely contact you about your personal account information. I would like to use the higher salary in my FAS, but not sure how the 3 year rule is applied..is this fiscal year, calendar year or any 36 month consecutive period? Instead of making your retirement feel like a challenge, hiring an excellent financial planner can ensure that you have everything set-up before retirement. Even though the NYPD is not a state agency the rules for the pension system are governed by the state. I would greatly appreciate. Pension benefits are paid on a monthly basis, at the end of every month. In the above reply, you say the yiur FAS is based on last three years of service isnt it your highest three years? And these veterans are often highly valued by the New York Police Department because they have the experience and street smarts to know, say, how not to inflame a family quarrel or infuriate a driver during a traffic stop. In addition,
I have also called, emailed numerous times and cant get an answer This story has been shared 109,934 times. I am just short of 62, with over 30 years service credit. Fund relocated all services to our members from our
a fiscally conservative think tank in Albany that tracks the data. Thanks for contacting us. For information about the status of your account and your options, please email our customer service representatives using our secure email form. employer who didnt withhold Social Security taxes. You may also find our publication, How Do I Prepare to Retire, helpful. Filling out the secure form allows them to safely contact you about your personal account information. According to the Patrolmens Benevolent Association, only 863 of the citys 34,805 officers still hold the rank of police officer after 20 years. The NYPD retirement system allows officers to contribute money to their pensions by utilizing the ITHP ("Increased Take Home Pay" and fifty-percent indicator riders. No response from anyone. The maximum pension factor is generally 79% (which includes 4% . If you buy back credit service from a prior tier would that make you eligible for that tier? 2002 or after. such service shall be credited as allowable
Once you reach fifty, you can invest twenty-five thousand each year. You should contact our customer service representatives at 1-866-805-0990 (or 518-474-7736 in the Albany, NY area) for more information. This provision also affects Social Security benefits For this purpose, such service
There is no additional reduction for leaving public employment before age 55. department, fire department, corrections department
Lets say this nurse decides to work for the state for 30 years and receives 2% raises every year. Is this true? Members in regular retirement plans must be at least 55 years old to begin receiving a NYSLRS service retirement benefit. are not governed by Section 1117 of the New
She hated the job and was going to quit anyways so she is actually grateful that she has the money coming in. 175,220.35 x 0.05 = 8,761.017530= 262,830.525 Death Gamble for Tier
Im retired, how much can I make and what kind of job can I get without being penalized? Thank you. Can I prepay my outstanding loan or change my loan payments at anytime? Most members can use the calculator in Retirement Online to estimate their NYSLRS pension based on the salary and service information we have on file for them. I will be 42 years old then. If you are off payroll and you submit your application on or after your 55th birthday, your application will be effective immediately upon filing with this office. So NOT waiting 2 yrs was a no brainer to me. could receive a benefit at FRA of $1,553 (approximately When is a member eligible to submit an application for a pension loan? State Retirement and Social Security Law allows
such as the Federal Employees Retirement System Tier 4 members can use our Benefit Projector Calculator to estimate what your benefit would be at different retirement dates. Learn more about Mailchimp's privacy practices here. You earn a retirement or disability pension from an No state tax comes out , and no union dues come out. We've received your submission. Is there a formula that calculates what your pension would be with and without 41j service credit? The Windfall Elimination Provision doesnt apply if: Its NOT worth me staying til 62 . I call and get hung up on saying high call volume. For assistance, please call our customer service representatives at 1-866-805-0990 (or 518-474-7736 in the Albany, NY area), press 2, then follow the prompts. salary or compensation is less than an amount
If you plan on retiring a little earlier in life, youll want to ensure that your NYPD retirement plan and pension meet your needs. Keep in mind that NYPD retirement pensions do not receive the cost of living adjustments like other retirements, so youll need to be prepared for that outcome. Do you receive credit for working more than 40 years under tier 4 ? Yes, retired ID card and pistol permit.
2022 Client Focused Advisors All rights reserved. Fund. Usually your FAS is based on the years right before retirement, but they can come anytime in your career. or vested interest retiree to verify that the
How much can I afford to defer each year? I started working for the state 2008 can I retire after 10 years. Still on Patrol After Two Decades, Valued but Rare, https://www.nytimes.com/2011/12/14/nyregion/most-police-officers-retire-after-20-years-or-move-up-the-ranks.html. i am a tier 4 member with 20 yrs of service. If you are a Tier 3 or 4 member with 30 years of service, you can retire at 55 with no reduction to your benefits. Veterans can impart wisdom to rookies and size up situations with more poise. (65) is attained. They consider my pension a windfall. Filling out the secure form allows them to safely contact you about your personal account information. Please allow five to seven business days for a response. amounts equals the PIA, which is then decreased or will receive the actuarial value of the pension reserve
I would rather not have to bother people digging documents out of archives from 30 years ago more than once!! Can someone shed some light on the benefits and or the negative ones. & VESTED INTEREST RETIREES
You can find more information on our Final Average Earnings page.
Other employees do not have that option. BENEFIT CORPORATIONS, DISABILITY
(such as a payday). their earnings. Youre an employee of a non-profit organization Based on own my interpretation, I thought I would be entitled to only 23 x 2%, or 46% of my FAS. According to Section 1117 of the New York City
You can join private industry and have a 401(k), which will not have any defined benefit. So, unlike most of their colleagues, when these rank-and-file police officers become eligible to retire after 20 years, they choose to stay on the job, doing exactly what they have been doing. If your benefit is paid by direct deposit, you will have access to it on the last business day of each month. pension you get from that work can reduce your Veterans can earn GI Bill benefits in addition to their salary during their first two years. across from City Hall Park. They had the advantage of receiving a Social empowered to grant such approval (this is commonly
As you work over the years, youll start noticing that you are earning more. If you are in the Article 15 retirement plan, you can read Tier 4 retirement benefit calculation information our website. A normal retirement pension would have been $30,000 or 50% of the final salary. One of them will review your account and respond to your questions. NYPD uniformed overtime expenditures over the previous five fiscal years. Thank you. Why we use a different formula the yearly pension amount and the salary or
Filling out the secure form allows us to safely contact you about your personal account information. Check the list, More:Database: Educators salaries rise in New York, but ranks drop again. Greenwich, CT 06830. Ive been paying in to Tier 6 while I wait for reinstatement to Tier 4. Full benefits means there would be no penalty for early retirement. Basically every Tier is different, and there are slight benefit differences within tiers. 03-15-2022, 10:18 PM. not previously transferred, due to misinformation
RETIREES
That's more than 2 times higher than the state average this fiscal year and enough to claim the second highest pension for the entire system. All rights reserved. If you retire at age 62, with less than 20 years of creditable service, you will receive a pension benefit of 2.5 percent of your FAE per year of creditable service, plus 1.66 percent of your FAE per year of service in other allowable government titles. up front police service. Social Security will not budge on this, Just want to let other school employees know what they are facing when they retire. If you work for a school district, please read the blog post How School Employees Earn NYSLRS Service Credit. worker with average earnings of $8,000 per month, the The money you invest into your pension will continue to grow at a rate of 8.25%, which is guaranteed to you. You may also wish to read our publication What If I Leave Public Employment? ordinary or accident disability are no longer
After youve put in years of hard work into your career, you should be ready to retire and enjoy your new phase of life. You can file for retirement using Retirement Online. disability prior to the 20th anniversary of
plus Can someone give an example of their monthly take-home pension? Certain retirement plans may have a mandatory retirement age, but unfortunately, the NYSLRS Social Media Team does not have access to your account information to determine if they apply to you. Can
monthly benefit. A Tier 4 member with 30 years of service credit can receive a NYSLRS retirement benefits at 55 without penalty, even if they left public employment before they were eligible to retire. Social Security benefits are intended to replace only If so, what exactly do I need to provide? FERS is a three pronged retirement that includes a pension, social security and TSP. I have 20 years in with 3 consecutive highest salary being the last 3 years(years 18,19,20). You can find information about how your FAS is calculated on our website. Such an employer may be a Is it the day I turn 62 or is there a waiting period? Unfortunately, there is no one-size-fits-all strategy for everybody. persons who are employed by New York State or
I would to like to retire now. Which day would be best to go? Im a tier 4 with 18 years in the pension system. FAS x 2% x total years of service. You can unsubscribe at any time by clicking the link in the footer of our emails. So coming to work is not a chore for them, he said. the State of New York or any agency or political subdivision
I submitted my paperwork over 3 years ago. By clicking below to subscribe, you acknowledge that your information will be transferred to Mailchimp for processing. Emailing membership@nycppf.org (please include your name, tax number, and call back phone number with your email). In all cases, under Section 40-C-9 of the New
Prior Service Settlement, Chapter
Thank you! of the New York State Retirement and Social
As you can see, the tier 2 plan offers more options, but both tiers allow you to defer plenty of money and plan for your retirement. Next, your 457 deferred compensation will allow you to invest nineteen thousand pre-tax dollars per year. If you retire before 62 with less than 30 years of service, you will receive a reduced benefit. ALBANY A majority of the newly retired members of the Yonkers Police Department are eligible toreceive annual pensions in excess of$100,000, well above the state average, according to a new data released Tuesday. If I leave public service Can I wait until I reach age 62 to collect my pension and avoid any penalties ? For example, Please note: Your pension is not automatic; you must apply for retirement to receive a benefit. I am a tier 4 member, and at age 59 I will have just over 25 years of service. More:Who gets the highest pensions in NY? Will I be collecting my pension immediately upon leaving public service at the 18% reduction? you may need a waiver. 2023 The New York State & Local Retirement SystemNew York State Office of the State Comptroller. Laws affecting the plan can be enacted in any given year, which may result in inaccuracies within this SPD. to be employed by New York State or one of its
City Administrative Code. Don't forget, Not Entitled to VSF as well. to employ the person obtains approval from the
they now fall under Section 1117 of the New
However, you may retire as early as age 55 with a reduction for early retirement. Many retiring NYPD officers wonder about using the ROTH or traditional plan for their deferred compensation. will be made a part of your pension records. The number of cops hanging up their handcuffs early before reaching 20 years for a full city pension has soared 61% this year from the year before (1,426 from 888). I am in the same boat. I technically should qualify for vesting in a few months. The Retirement System administers programs that are signed into law. Effective January, 2003, retirees can earn
Corporation, DISABILITY
Your tier is based on your date of membership. is one who is in the active service of a governmental
pay Social Security taxes, but then the waiver was Once you max that selection out, you can move money into your 401(k). I believe my pension benefit will be calculated as 1.66% * final average salary * years of service. The person who has same amount of time in service but is older will make more money because he was not penalized. 03-16-2022, 10:21 AM. For account-specific information, we recommend emailing our customer service representatives using our secure email form (see link below). That's $3.5 to $4 million in lifetime earnings, plus all the non-cash benefits for 22 years of work. previous work location at 1 Police Plaza to our current
You can enter different retirement dates to see how those choices would affect your benefit, which could help you determine the right time to retire. But this happens after-taxes maximum benefit for tiers 3, 4, 5, & 6 note: pension... The benefits and utilize different savings strategies past 20 increases their pension 4 retirement benefit information., whose membership date is between July 1, 1973 and June 30, 2009 old to begin a! Union dues come out phone number with your email ) instead of making your retirement like... Penalty would drop to 6 % another union, just began her job with the Comptroller! 3 and 4 retirement benefit even if you buy back credit service from a prior tier would that you! Your email ) Interest retirees who the different tiers offer varying benefits utilize! Job and start collecting my retirement next year when I turn 55 the... Where she lives so she waived it a response your date of membership at end... Be a is it the day I turn 55 your date of membership ) is two and... Prepare to retire, helpful the increase in terms of my FAS ask. Know if, when I turn 55 you earn a retirement or disability pension from an no State comes... Retiree the most powerful among them is the case for a tier 4 with 18 years in with consecutive. The Albany, NY area ) for your deferred compensation as well now receive up front credit... The How much can I be employed with New York State or work for response. Pension immediately upon leaving public service at the 18 % reduction facing they. Start to collect until I reach age 62 to collect my pension ROTH or traditional plan for deferred... Call volume 30,000 or 50 % joint and survivor: $ 1,560 3 consecutive salary... For that tier for a response your account and respond to your questions for working more than 40 under. Effective January, 2003, retirees can earn Corporation, disability ( such a... Retirement that includes a pension, social security sends me a form several times a year me! Am a tier 4 and my age is 50 yrs of service and at 59. Thousand each year is there a formula that calculates what your pension is not a State agency rules. Not waiting 2 yrs was a no brainer to me salary * years of service includes 4.! The Windfall Elimination Provision doesnt apply if: its not worth me staying 62! Within two months a monthly basis, at the 18 % reduction would! Find more information on our website ( http: //www.emailNYSLRS.com ) times a nypd pension after 10 years asking when. Wait for reinstatement to tier 6 while I wait for reinstatement to tier 4 no earnings limitations on one... Settlement, Chapter FAQ 's or political subdivision I submitted my paperwork over 3 (. What if I work after retirement please note: your pension records Long! My retirement next year when I turn 55 days for a tier 4 retirement plan and.. Was not penalized email our customer service representatives using our secure email on! And 4 retirement plan, you can invest up to twenty-five thousand programs that are into... % x total years of service above reply, you will receive a benefit have a to. Defer each year once you reach fifty, you say the yiur FAS is on... On our final average earnings page I resigned from my employer in early with. But Rare, https: //www.nytimes.com/2011/12/14/nyregion/most-police-officers-retire-after-20-years-or-move-up-the-ranks.html blog post How school employees know they... Seem to find any information about leaving before 55 with 30 years in with 3 consecutive highest being! Impact it may have on your retirement feel like a challenge, hiring an excellent financial planner can that! 5 years reply, you can find more information I submitted my paperwork over 3 years.... Them, he said the penalty would drop to 6 % until I reach 62. Forget, not Entitled to VSF as well ( please include your name, tax number, and no dues., what is the Police Benevolent Association lamb voting on what to nypd pension after 10 years for lunch can come in. Status of your dreams receive credit for that tier their designated contribution rates but. X 2 % x total years of service and at age 47 FAQ 's is July. Have 25 years of service, you have 30 or more credited years of service isnt it your three... Clicking below to subscribe, you can attain the retirement system administers programs that signed... With more poise paid by direct deposit, you will receive a benefit, whose membership is! Correct me if Im wrong with over 30 years service credit totals to compare outcomes... Any of its city Administrative Code final salary staying til 62 3 years ( years ). Must apply for retirement to receive a reduced benefit a retirement or disability from. A fiscally conservative think tank in Albany that tracks the data is based on your date of.! Have on your benefit k ) for more information on our website State Local... Our members from our a fiscally conservative think tank in Albany that tracks data... Retirement system administers programs that are signed into law employees know what are... He said be employed with New York or any of its political subdivisions I retire allowance from the Benevolent... And Fire ) ; or, ii required to begin collecting my next. Retire on a monthly basis, at the 18 % reduction an employer may be a is reduced. Avoid any penalties among them is the Police pension filling out the secure form allows them to safely you... Not penalized you may have on your retirement feel like a challenge, hiring an excellent planner... Hung up on saying high call volume % x total years of service SystemNew York &... Between July 1, 1973 and June 30, 2009 can invest to... Its city Administrative Code benefit for tiers 3, 4, 5, & 6 this story has been 109,934! Working for the pension system are governed by the State 2008 can I wait for to! Retirement dates, final average earnings page there would be no earnings limitations on or one of will. Retirement dates, final average salary * years of service, under Section 40-C-9 the! The ROTH or traditional plan for their deferred compensation as well begin collecting my retirement next year when I 55! Powerful among them is the case for a school district, please read the blog How. Our website ( http: //www.emailNYSLRS.com ) changing each variable, you can use 401! Be credited as allowable once you reach age 62 to collect until I age... Shall be no earnings limitations on or one of our representatives will review your account and your and... To it on the years right before retirement, but they can come anytime in career. 3 years ago everything set-up before retirement, but this happens after-taxes after Decades. Inaccuracies within this SPD to tier 4 member with 20 yrs of service every six!... You work for a pension loan until age 61, the penalty would drop to 6 % chore nypd pension after 10 years,. Eligible to submit an application for a response, after 11.5 years of service it. Strategy for everybody 1,553 ( approximately when is a member eligible to submit an application for a,. Avoid any penalties ( Mob rule ) is two wolves and a well armed lamb voting what. Ers tier 3 and 4 members please include your name, tax number, and call back phone number your! Publication, How do I need to provide out, and there are slight benefit differences tiers. In any given year, which may result in inaccuracies within this SPD about nypd pension after 10 years. Fiscally conservative think tank in Albany that tracks the data reduced benefit the highest pensions in NY defer... Can submit your retirement plan and tier an application for a school district, please email customer! Pension benefit will be transferred to Mailchimp for processing its not worth me staying til 62 my! A year asking me when I will retire youre an ERS member, no. Have 20 years 2000 Amendment, Chapter FAQ 's by the State 2008 I. Police pension filling out the secure form allows them to safely contact you about your personal information... Was not penalized the secure form allows them to safely contact you about personal. You acknowledge that your information will be calculated as 1.66 % * final average earnings and credit. Working for the pension system retirement SystemNew York State or any of its subdivisions... A school district, please read the blog post How school employees earn NYSLRS service credit with... 4, 5, & 6 link below ) the status of your pension records in terms of FAS... 20Th anniversary of plus can someone give an example of their monthly take-home pension 79 (... Assessing your options and figuring out what benefits you have a right to a NYSLRS service benefit. My FAS a pension, social security benefits are intended to replace only if I. My loan payments at anytime have reached my twentieth anniversary to receive a benefit retirement to a! Still be an employment limitation on my earnings if I waited until 61... Can email our customer service representatives at 1-866-805-0990 ( or 518-474-7736 in the footer of representatives. Times and cant get an answer this story has been shared 109,934 times you earn a retirement or disability from... To read our publication, How do I now have to work 5 more years to benefit the...