In general, you will be eligible to receive unreduced retirement allowance payments (full benefits) if one of the following statements applies to you:

• You are at least age 62 as of your retirement date and you are vested^; or
• You are at least age 55 as of your retirement date and have attained at least 30 years of Total Service Credit; or
• You are covered by the “55/25” provisions of the Age 55 Retirement Program, are at least age 55 as of your retirement date, and have attained at least 25 years of Total Service Credit; or
• You are covered by the “55/27” provisions of the Age 55 Retirement Program, are at least age 55 as of your retirement date, and have attained at least 27 years of Total Service Credit.

If none of the statements above applies to you, then you do not qualify for unreduced payments of your retirement allowance. However, as long as you are vested^ and at least age 55, you would be eligible to retire with a reduced retirement allowance.

^Tier III and IV members become vested upon attaining five years of Total Service Credit.
Note: Prior to Chapter 56 of the Laws of 2022, 10 years of Total Service Credit were required for members whose TRS membership began after December 10, 2009, and who were working in a title represented by the United Federation of Teachers (UFT).

For more information, please see the What is the Age 55 Retirement Program? FAQ below.