In general, you would qualify for Tier I status if you last joined TRS before July 1, 1973. You may also qualify in the following situations: if you switched from Tier II to Tier I during the period that was available for tier changes, or if you transferred your Tier I membership from another eligible retirement system to TRS.

In addition, you can apply for reinstatement to your previous membership and tier status if you are in active membership status and previously lost your Tier I membership rights in TRS or another New York City or New York State public retirement system.

To apply for reinstatement, file a Membership/Tier Reinstatement Request Form (code SD42) with TRS. To effect the reinstatement, you must pay back the amount of contributions refunded when your membership ended, plus 5% interest compounded annually from the date of the refund to the date of repayment.

In general, you would qualify for Tier II status if you last joined TRS after June 30, 1973 and before July 27, 1976. You may also qualify in the following situations: if you switched from Tier III or Tier IV to Tier II during the period that was available for tier changes, or if you transferred your Tier II membership from another eligible retirement system to TRS.

In addition, you can apply for reinstatement to your previous membership and tier status if you are in active membership status and previously lost your Tier II membership rights in TRS or another New York City or New York State public retirement system.

To apply for reinstatement, file a Membership/Tier Reinstatement Request Form (code SD42) with TRS. To effect the reinstatement, you must pay back the amount of contributions refunded when your membership ended, plus 5% interest compounded annually from the date of the refund to the date of repayment.

In general, when you leave service, you may repay your outstanding loan balance in a lump sum within 30 days of TRS' notification. If you do not pay the balance within that timeframe: your outstanding QPP loan amount would generally be reduced from your QPP fund balances; and your outstanding TDA loan balance would be considered a taxable distribution and would be reported to the IRS. However, if you have vested rights when you leave service, you may maintain an outstanding TDA loan balance by filing a TDA Deferral Status Election Form (for vested members) (code TD31).

In general, you would qualify for Tier I status if you last joined TRS before July 1, 1973. You may also qualify in the following situations: if you switched from Tier II to Tier I during the period that was available for tier changes, or if you transferred your Tier I membership from another eligible retirement system to TRS.

In addition, you can apply for reinstatement to your previous membership and tier status if you are in active membership status and previously lost your Tier I membership rights in TRS or another New York City or New York State public retirement system.

To apply for reinstatement, file a Membership/Tier Reinstatement Request Form (code SD42) with TRS. To effect the reinstatement, you must pay back the amount of contributions refunded when your membership ended, plus 5% interest compounded annually from the date of the refund to the date of repayment.

In general, you would qualify for Tier II status if you last joined TRS after June 30, 1973 and before July 27, 1976. You may also qualify in the following situations: if you switched from Tier III or Tier IV to Tier II during the period that was available for tier changes, or if you transferred your Tier II membership from another eligible retirement system to TRS.

In addition, you can apply for reinstatement to your previous membership and tier status if you are in active membership status and previously lost your Tier II membership rights in TRS or another New York City or New York State public retirement system.

To apply for reinstatement, file a Membership/Tier Reinstatement Request Form (code SD42) with TRS. To effect the reinstatement, you must pay back the amount of contributions refunded when your membership ended, plus 5% interest compounded annually from the date of the refund to the date of repayment.

In general, you would qualify for Tier III status if you last joined TRS after July 26, 1976 and before September 1, 1983. You may also qualify if you transferred your Tier III membership from another eligible retirement system to TRS.

In addition, you can apply for reinstatement to your previous membership and tier status if you are in active membership status and previously lost your Tier III membership rights in TRS or another New York City or New York State public retirement system.

To apply for reinstatement, file a Membership/Tier Reinstatement Request Form (code SD42) with TRS. To effect the reinstatement, you must pay back the amount of contributions refunded when your membership ended, plus 5% interest compounded annually from the date of the refund to the date of repayment.

If you are an in-service Tier I or II member who is not on a leave of absence, your employer makes contributions equaling 2.5% of your salary to your Increased-Take-Home-Pay (ITHP) account. If you retire, you would receive this amount as part of your retirement allowance. In addition, certain Department of Education and Charter School employees in all tiers receive a supplemental contribution when they reach the maximum of their salary schedule. This amount is $550 per year for supervisors, and $400 per year for other members. If you are a Tier I or II member, this amount is deposited in your Annuity Savings Fund (ASF) account; if you are a Tier III, IV, or VI member, this amount is deposited in your Annuity Savings Accumulation Fund (ASAF) account.

If you disagree with the Medical Board's findings, you may request that a Special Medical Committee review the Medical Board's recommendations. TRS must receive your request within 30 days of the date you receive the transcript of your exam. If you apply for this review, you must pay half the cost of the medical fees incurred and you would waive your rights to pursue your case in any other forum. Another option, if you have new evidence for your case, is to reapply for a disability retirement. In addition, if you had applied for an accident disability retirement application and were denied, you may file for an ordinary disability retirement instead.

EFT is available for other payments, as noted below.

If you are an in-service member paid on the City of New York payroll through direct deposit, you may elect to receive QPP loans or QPP direct withdrawals via EFT in the same account where you receive your pay. You would automatically receive a TDA loan or TDA direct withdrawal via EFT, unless you elect to receive these distributions by check.

If you are a retiree with TDA Deferral status and you are receiving your retirement allowance via EFT, you would automatically receive a TDA loan and TDA direct withdrawal via EFT in the same account where you receive your benefit payments, unless you elect to receive these distributions by check. You would automatically receive a Required Minimum Distribution (RMD) via EFT.

In general, you would qualify for Tier III status if you last joined TRS after July 26, 1976 and before September 1, 1983. You may also qualify if you transferred your Tier III membership from another eligible retirement system to TRS.

In addition, you can apply for reinstatement to your previous membership and tier status if you are in active membership status and previously lost your Tier III membership rights in TRS or another New York City or New York State public retirement system.

To apply for reinstatement, file a Membership/Tier Reinstatement Request Form (code SD42) with TRS. To effect the reinstatement, you must pay back the amount of contributions refunded when your membership ended, plus 5% interest compounded annually from the date of the refund to the date of repayment.