Article 11: None if employer offers a non-contributory plan.

Article 14: 3% for 25 years or until retirement, whichever is earlier.

3% until retirement unless the member’s plan limits creditable service to 20, 25 or 32 years.

Contributions are not required after the maximum service credit allowed has been reached. (Certain PFRS members covered by union-negotiated contracts that require their employer to offer a special plan may not be required to contribute.)

See Tier 5 Member Contributions.

3% – 6% based on annual earnings.

Members contribute until retirement unless the member’s plan limits creditable service to 20, 25 or 32 years.

Contributions are not required after the maximum service credit allowed has been reached. (Certain PFRS members covered by union-negotiated contracts that require their employer to offer a special plan may not be required to contribute.)

See Tier 6 Member Contributions.

• Members in special plans can retire after completing their plan’s minimum service requirement, regardless of age.
• Members in regular plans can retire with full benefits at 62 or with reduced benefits between age 55 and 62 (see Reductions for Early Retirement below). 

Article 11:

• Members in special plans can retire after completing their plan’s minimum service requirement, regardless of age.
• Members in regular plans can retire with full benefits at 62 or with reduced benefits between age 55 and 62 (see Reductions for Early Retirement below).

Article 14:

• Normal retirement with 22 years of service.
• Early retirement with 20 years of service.

• Members in special plans can retire after completing their plan’s minimum service requirement, regardless of age.
• Members in regular plans can retire with full benefits at 62 or with reduced benefits between age 55 and 62 (see Reductions for Early Retirement below).

• Members in special plans can retire after completing their plan’s minimum service requirement, regardless of age.
• Members in regular plans can retire with full benefits at age 62 (age 63 for vested members not on the payroll) or with reduced benefits between age 55 and 62 (see Reductions for Early Retirement below).

Articles 11 and 22:

Benefit reduction is permanent, and percentage is prorated based on exact age at retirement.

The average of the earnings during the three highest consecutive years of service, subject to limitations.

Article 11: The earnings in any year cannot exceed the average of the previous two years by more than 20%.

Article 14: The earnings in any year cannot exceed the average of the previous two years by more than 10%.

Tiers 2 – 6: 

• Unused sick leave 
• Payments made as a result of working vacation
• Any form of termination pay
• Payments made in anticipation of retirement
• Lump sum payments for deferred compensation
• Any payments for time not worked
• For members who joined on or after April 1, 1996, earnings above the IRC Section 401(a)(17) limit

Additionally for Tiers 2, 3 (Article 11) and 5: 

• Lump sum payments for accumulated vacation

Additionally for Tier 6: 

• Lump sum payments for accumulated vacation
• Earnings above the Governor’s salary
• Earnings reported by more than your primary and secondary (if applicable) employers
   

25-Year Benefit (Section 384)

With 25 years of service, regardless of age: 
50 percent of FAE (2% of FAE × 25 years of credited service)

Additional Benefits after 25 Years (Sections 384[f], [g] and [h])

1.66% of FAE × years of credited service beyond 25
Maximum benefit cannot exceed 61.67% of FAE (a maximum of 32 years)

20-Year Benefit (Section 384-d)

With 20 years of service, regardless of age: 
50 percent of FAE (2.5% of FAE × 20 years of credited service)

Additional Benefits after 20 Years (Section 384-e)

1.66% of FAE × years of credited service beyond 20 
Maximum benefit cannot exceed 70% of FAE (a maximum of 32 years)

Note: Tier 3 (Article 14) members are not covered by special 20- and 25-year retirement plans.

For information on other PFRS retirement plans, refer to our Publications page.