If you are otherwise eligible for a loan, you may apply for a new QPP loan while you have an outstanding QPP loan balance. Internal Revenue Service (IRS) regulations require that any new loan requested be treated as a separate loan balance. Each loan balance is subject to the interest, insurance charges, and repayment terms in effect when the loan is issued.

Beneficiaries are not permitted to reinvest death benefit funds with TRS. (Before 2021, certain TDA beneficiaries could choose to maintain funds invested in TRS’ Passport Funds by establishing a “TDAB” account—a beneficiary account in TRS’ Tax-Deferred Annuity Program. However, a New York State law passed in 2021 closed our TDAB accounts to new participants; the law does not affect existing TDAB accounts in any way.)

Your erroneous date of death may have been reported to TRS by employers, obituary services, the Social Security Administration, or LexisNexis, a vendor TRS uses for analytic data. The best way to address the issue depends on the source of the error. Therefore, if you have mistakenly been identified as deceased, please contact our Member Services Center at 1 (888) 8-NYC-TRS, or (212) 612-5949 from outside the United States, and a Member Services Representative will assist you.

No, based on an Internal Revenue Service change effective after 2019. However, you would not be eligible for a hardship withdrawal unless you have maximized any reasonably available funds or distributions from non-TRS sources before you apply for a hardship withdrawal. Note that hardship withdrawal applications based on domestic abuse are exempt from this requirement.

Your erroneous date of death may have been reported to TRS by employers, obituary services, the Social Security Administration, or LexisNexis, a vendor TRS uses for analytic data. The best way to address the issue depends on the source of the error. Therefore, if you have mistakenly been identified as deceased, please contact our Member Services Center at 1 (888) 8-NYC-TRS, or (212) 612-5949 from outside the United States, and a Member Services Representative will assist you.

In order for TRS to promptly respond to your inquiry, you should have the following information available when you contact TRS, or include this information when you send us correspondence: your TRS membership number, a phone number at which you can be reached during business hours, copies of correspondence you are questioning, and documentation to support your claim. If you are visiting TRS, you should also bring a photo ID that includes a signature. Acceptable forms of identification include a driver's license, state-issued non-driver's license identification, passport, or school ID; unacceptable forms of identification include a credit card or store card with a photo, gym card, or a library card.

Appointments are not required for in-person visits. However, you can schedule a video appointment if you prefer.

To change your username, you need to contact TRS at the toll free number 1 (888) 8-NYC-TRS.

Yes. However, your loan from one plan may affect the maximum amount that you may borrow from the other plan.

Yes. You may use the withdrawn money at your discretion.