Your monthly service retirement allowance is calculated based on several factors including your tier, your age at retirement, and your qualifying years of service. In general, all members receive a pension based on their service credit and their Final Average Salary (or FAS). In addition, the retirement allowances of Tier I and II members may include a pension based on their Increased-Take-Home Pay (or ITHP) and an annuity based on any funds they have accumulated in excess of their required minimum accumulation. Please refer to your Summary Plan Description for more detailed information. While TRS is unable to provide an estimate of your allowance at this time, you may contact your union in this regard.