# TEACHERS AND STATE EMPLOYEES RETIREMENT SYSTEM YOUR RETIREMENT BENEFITS

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1 TEACHERS AND STATE EMPLOYEES RETIREMENT SYSTEM YOUR RETIREMENT BENEFITS Member Handbook Department of State Treasurer Raleigh, NC Revised January 2015

8 Transferred creditable service counts toward your eligibility for a monthly benefit and is used to compute the amount of your benefit. Overlapping transferred service cannot be counted twice for the same time period. A transfer can affect your eligibility for retiree group coverage under the State Health Plan. For more information about the State Health Plan, see page 29. After completing 5 years of membership service in TSERS, you may transfer contributions and creditable service from CJRS and LRS to TSERS. Contact us for additional information and instructions. 8

10 At Service Retirement Mary You Step 1 Add your salary during your 4 \$30,600 \$ highest-paid years in a row. 31,700 32, ,000 \$129,200 \$ Step 2 Divide Step 1 by 4 to get \$32,300 \$ average final compensation. Step 3 Multiply Step 2 by.0182 to \$32,300 \$ apply formula. x.0182 x.0182 \$ \$ Step 4 Determine creditable service (see pages 17-20) years Step 5 Multiply Step 3 by Step 4 \$ \$ to determine your annual x 32.2 x retirement benefit. \$18, \$ Step 6 Divide Step 5 by 12 to get \$1, \$ monthly maximum allowance. Early Retirement Calculation Example Assume employee Fred Wise works 12 months per year and retires at age 61 with 24 years and 3 months of creditable service and an average final compensation of \$32,300. Here is how we calculate his benefit: \$ 32,300 (average final compensation) x.0182 \$ x (creditable service) \$ 14, Now apply the early retirement reduction percentage from the chart on page 11. \$ 14, x.88 (percentage at age 61) \$ 12,

16 Example of Payment Options Assume John Murphy has earned a service retirement benefit under the maximum allowance of \$1,000 a month. He wants to share his benefit with his wife, Pam, who is 51 when John retires at 57 after 30 years and three months of creditable service. The table below shows how much John and Pam would receive monthly under each payment option. These are only examples. Your own benefit is calculated individually and the actual amounts of your payment options are based on many factors, such as your age, your beneficiary s age, and when payments start. Payment Option To John To Pam After John s Death Maximum Allowance \$1,000 monthly \$0.00 Option 2 \$ monthly \$ monthly Option 3 \$ monthly \$ monthly Option 4* \$1, up to age 62, \$ thereafter \$0.00 Option 6-2 Option 6-3 \$ monthly; if Pam dies before John, he receives \$1,000 monthly thereafter \$ monthly; if Pam dies before John, he receives \$1,000 monthly thereafter \$ \$ *Assumes John s primary Social Security benefit is \$635 a month at age

20 Withdrawn University of North Carolina Optional Retirement Program Service Extended Illness Leave Parental Leave For detailed information about the eligibility requirements for purchasing creditable service, please see the applicable purchase form found in ORBIT. You may roll over funds from other eligible retirement plans or IRAs to purchase credible service. Rollovers to Purchase Retirement Credit We will accept pre-tax money from an eligible retirement plan or an eligible IRA via rollover or in-service plan-to-plan transfer to purchase creditable service. For further information and instructions, see Form 398 (Using a Distribution of Tax-Sheltered Savings to Purchase Retirement Credit), available in ORBIT. 20

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