You may receive an error message if what you entered does not match what we have in our records. fiscal year earnings and prior years adjustments (PYAs), Enter and Validate Data for a Manual Monthly Report, Loan/Service Credit Purchase Deduction Notifications, Accessing and Searching for Notifications. 0000256500 00000 n The New York State Office of the State Comptroller's website is provided in English. NYSLRS . 0000137321 00000 n This leaves $44,000 that will need to come from savings. If you choose an option that provides your beneficiary a lifetime pension benefit when you die, you must provide proof of your beneficiarys birth date. 2452. The New York State Office of the State Comptroller's website is provided in English. 0000106273 00000 n 0000109153 00000 n 0000015727 00000 n Conversely, if your current lifestyle consumes pretty much all of your income, your retirement income need may be closer to 100% of your current income. Sat & Sun: 6:00 am to 11:00 pm EST/EDT. Retired members receiving advance payments: Please enter your Membership Number from when you were in-service. Defined benefit pensions, like the one offered by NYSTRS, provided a valuable boost to state and national economies during the first year of the pandemic, a new study finds. We dont withhold income tax for other states. 0000730380 00000 n TRS is concerned about your online security. 0000026182 00000 n Learn More. The State of New York, its officers, employees, and/or agents are not liable to you, or to third parties, for damages or losses of any kind arising out of, or in connection with, the use or performance of such information. Google Translate cannot translate all types of documents, and it may not give you an exact translation all the time. Mon Fri: 7:00 to 6:00 pm EST/EDT You can fill out aW-4P formany time to tell us how much to withhold from your monthly benefit. Your NYSLRS pension isnt subject to New York State income tax, but it is subject to federal tax. Please read our Privacy Statement and then enter the requested information to register for access to the secure section of TRS' website. If your W-2 is missing the EIN, call your employer to get it. Conduct business with us online. Enter the deceased's TRS Membership Number or TRS Retirement Number. 442,044. total members. 0000042306 00000 n A: NYSBA membership dues are voluntary and are paid annually. That's why we follow industry standards for username and password managementincluding security images and verification codes to help you identify yourself if you forget your username or password. You also may not have some work-related expenses anymore, such as the cost of commuting and going out to lunch while at work. Review this headline often for the latest updates. cleveland browns suite cost; nothing new taylor swift chords Your username can contain any of the following characters: . Please note: If you have a username and password, but haven't logged in to the TRS website in three or more years or there is an issue with your login credentials, you may be asked to re-register and then enter a verification code in order to renew access to your online account. }, Serving New York Educators Since 1921 Serving New York Educators Since 1921. income from investment returns. Upon the members written request to NYSLRS Equitable Distribution Estimates Unit, NYSLRS will provide a one-time estimate of their Single Life Allowance retirement benefit using current earnings and service information. HWko.a>ZEnk MWhEASD"Q^YE70dz5\~`+j1bx41\elz~W=kcw)Nu.xaHlD#eJ'vgcbuTkvhYS]VTCh~k_6 2LyfZox~=kV@*PM6v.3"'g8[D'`/:ZmcsP`yYwxy`6GOuRMma]GhbCm_Z9b;r[ nM0;gUOZ9_kRvT>SEZ/!2{u^5Y}x{hRm7Z{be/)b6osJ8 y)UZFxhQqX7k1}iVevIe{F|\\ !q[(5r_qKK"rLS c;CQo;*koX4'(3)3xTqRz>=voiHiiNtMey"~:[^]nblzhWl =6: ;Z k7PPctrOz==&s8;kuzo7W{,=q.0`CZT5b4e?4Aa+ V"6k4YMx^wf~RYTE.t5}dck(U{k5a) |XEut'm#0BKO37Gk#r-=a0r 9=s`1p9GTQ3\A+T!NommO/4mMy~NN'wHeL^,}Z24Qby.S{d(dq>^}sb7mw?qpc'c;gwl;^tO@?L;tqKyDq^kwg/b=|e=\DN/@7r- Please take the opportunity to learn more about the retirement system and how we can assist you in planning a successful retirement. It is not meant to constitute a representation binding on the Retirement System. 0000116767 00000 n Instead, you can enter your Social Security number, and enter a place holder number (12345678, for example) in the Registration Number field. 0000003778 00000 n However, the "Google Translate" option may help you to read it in other languages. Watch the following video on how to create and submit your report manually. 0000107287 00000 n Retirees: Your 1099-R form has been mailed to your home address. 178,569. retired members and beneficiaries. line-height:21px; Confirm Claimant Identity: After you enter the above information and click, "Next," you will be asked to review and confirm your name and address as it appears in our records. 0000123187 00000 n If you're more of a thrifty person and save more of your income than most people, you can probably maintain your lifestyle with less than 80% of your income. Founded in 1993 by brothers Tom and David Gardner, The Motley Fool helps millions of people attain financial freedom through our website, podcasts, books, newspaper column, radio show, and premium investing services. What's your retirement number? 85%. Login to MyDMV. Albany, NY 12244-0001. 0000004443 00000 n a.homePromoLink { H\j@z9&aX>,Ac)U Please note: If you have a username and password, but haven't logged in to the TRS website in three or more years or there is an issue with your login credentials, you may be asked to re-register and then enter a verification code in order to renew access to your online account. Post author: Post published: November 3, 2021; Post category: paper mache clay recipe without joint compound; Post comments: . The security image and caption will be displayed to you when you log in. They will complete Part 2. Based on the 4% rule, dividing $44,000 by 0.04 gives a savings target of $1.1 million. However, the "Google Translate" option may help you to read it in other languages. For questions about submitting an estimate request, contact our Call Center using our secure contact form, or call 866-805-0990 (518-474-7736 in the Albany, New York area). The mailing address is: NYSLRS. Naturally, this rule of thumb isn't perfect. 2023 The New York State & Local Retirement SystemNew York State Office of the State Comptroller. The State of New York, its officers, employees, and/or agents are not liable to you, or to third parties, for damages or losses of any kind arising out of, or in connection with, the use or performance of such information. Get the most out of your NYSTRS membership. If you renewed or ordered yours recently and have not received it in the mail yet, you will need to wait . 0000000016 00000 n By clicking below to subscribe, you acknowledge that your information will be transferred to Mailchimp for processing. You can unsubscribe at any time by clicking the link in the footer of our emails. The instructions in this section will help you perform routine tasks in the Dashboard. marjorie rubin harris / spectrum channel guide birmingham, al / how do i find my nys retirement registration number. The email address you enter will be used to provide you with updates and account confirmations for your TRS account. Are you looking for specific information about your employees, such as their contribution rate or their report history? When you enroll your employees as NYSLRS members through Retirement Online, you will receive their NYSLRS IDs, registration numbers, tiers and contributions rates immediately. startxref Contribution rates for Tier 6 members varydepending on gross earnings (see table below). Claimant For most people, this means Social Security, but it can also include pension income or any annuities already purchased. 0000256144 00000 n You can send it with your retirement application or before or after, but we cannot pay pension benefits without it. 0000108924 00000 n endstream endobj 97 0 obj <> endobj 98 0 obj [/Separation/PANTONE#20287#20C/DeviceCMYK<>] endobj 99 0 obj <>stream Your password must include at least one number and one letter. To enroll in the NYS Employees Retirement System. ("Part 1 - Employee Instructions are located on page 2.). Yes. Bring the original signed form to your agency HR representative. Please read our Guide to Death Benefits brochures and the FAQs available on our website before making any payment elections. endstream endobj 92 0 obj <> endobj 93 0 obj <> endobj 94 0 obj <> endobj 95 0 obj <> endobj 96 0 obj <>stream Enter Phone Number: Enter a Primary Phone and select the phone type and country. Mail Drop 6-2 When enrolling employees as members, you need to enter a job code. 0000170819 00000 n Then, multiply this percentage by your current income. If you create an account at www.ssa.gov and view your Social Security statement, you'll see an estimate of your future Social Security benefits based on your current income and work history, as well as your expected retirement age. 0000161124 00000 n 0000041592 00000 n Your username must contain at least one letter. 0000107322 00000 n The instructions in this section will help you perform routine tasks in the Dashboard. Neither of you has a pension, and a look at your Social Security statement tells you to expect a combined $3,000 per month from Social Security, or $36,000 per year, if you retire at your full . Here's the "cheat sheet" version of these steps to help you calculate your own retirement number: There's no way to accurately project exactly how much you'll need to save for retirement, but this method can give you a pretty good estimate. Enter Email Address: Enter your email address in the field marked "Email Address" and then enter it again in the field marked "Confirm Email Address." Its also availableonline in your MyNYSTRS account. 0000256578 00000 n 0000105606 00000 n 0000016829 00000 n 0000006929 00000 n Click "Previous" if you wish to go back to the first screen to edit your information. If you have an account but can't remember your username or password, you can recover them online: Forgot Username Forgot Password 0000023847 00000 n Watch this video on how to upload and submit your adjustment report file. Whether youre a member, retiree or participating employer, Retirement Online gives you a convenient and secure way to do business with the Retirement System. 0000106644 00000 n Being vested means you have enough years of service to qualify for a retirement benefit, even if you leave public employment before you are old enough to retire. This Fact Sheet will show you where to look. Watch this video on how to manage your notifications in Retirement Online. The Office of the State Comptroller does not warrant, promise, assure or guarantee the accuracy of the translations provided. Please select either "Member" or "Claimant" andenter the following personal information in order to register to use TRS' website. 0000106218 00000 n Delegates attending NYSTRS 2022 Annual Delegates Meeting re-elected Schenectady teacher Juliet C. Benaquisto to the NYSTRS Board of Trustees. "We're very excited that they've decided to open it up and allow more access," said Britni Tantalo, a founding coalition board member, CAURD applicant and co-owner of Flower City Dispensary. 0000006486 00000 n Now that you know your post-retirement income needs, the next step is to figure out where it's going to come from. Disabling Your Browser's Password Management: We strongly recommend disabling your browser's password management feature by following the steps indicated below. It appears that your web browser does not support JavaScript, or you have temporarily disabled scripting. Equitable Distribution Estimates Unit. Your password must be between 8 and 50 characters long. 0000109075 00000 n How do I find my NYS retirement number? 0000136733 00000 n Please note: If we already have a username on file for your membership, it will be displayed on screen. If the member was an in-service member:The TRS Membership Number is printed in the "pension number" box on their pay stub or on statements and correspondence from TRS. . Close your browser and access the website through www.trsnyc.org. Watch this video on how to submit your report in Retirement Online. 0000108530 00000 n } 0000169475 00000 n NYSLRS is unable to accommodate multiple estimates, estimates which are highly speculative in nature (for example, those which . Albany, NY 12244-0001. Fax: (718) 935-3830 or (718) 935-4124. However, if you contact us at (800) 348-7298, Ext. : Your password cannot be the same as your username. The Office of the State Comptroller does not warrant, promise, assure or guarantee the accuracy of the translations provided. Use this form to enroll in the NYS Employees' Retirement System. Do not use the number on your advance payment stub or statement. You must complete the verification process in order to log in to the secure section of the TRS website. If you are apermanent, full-time, 12-month New York State employee. How to Find Your Member or Pension Number - New York City Employees' Retirement System How to Find Your Member or Pension Number Fact Sheet #738 Fact Sheet Having trouble locating your Member or Pension Number? Learn more about Mailchimp's privacy practices here. text-decoration:none; Site Index | Career Opportunities| Contact Us | Privacy and Links Policies | Regulations | Accessibility | FOIL | Webcasts, Repaying Your NYSLRS Loan after Retirement, damages or losses caused by reliance upon the accuracy of any such information, damages incurred from the viewing, distributing, or copying of such materials. Contact Us. TRS Membership/Retirement Number of Deceased: Last Name of Deceased: Enter the deceased's last name. You can upload a specially formatted report file or manually enter your employee data. After months ofplanning and preparation, youre ready to apply for retirement. Tier 3 & 4 Members: When Is The Right Time To Retire? RETIREMENT ONLINE Whether you're a member, retiree or participating employer, Retirement Online gives you a convenient and secure way to do business with the Retirement System. 0000170897 00000 n 0000154436 00000 n Visit theRetired Public Employees Associations websiteto see whether your benefit will be taxed in another state. Did you already submit your members data and need to make a correction to previously reported data? <]/Prev 937725>> If an ex-spouse is entitled to part of your pension, you should send us a copy of your domestic relations order (DRO) as soon as possible. 0000007513 00000 n 0000153753 00000 n Tier 6 membersbecome vested and earn the right to retirement benefits in the form of a pension after 10 full years of service. Bring the original signedform to your agency HR representative. Please note in accordance with a program piloted by Internal Revenue Service (IRS), only the last four digits of your Social Security number will be displayed and the first five digits will appear as X's. Example: Social Security Number (SSN) 123-45-6789 will appear as XXX-XX-6789. 0000106467 00000 n For example, if you plan to retire early, your money will need to last longer, so you may want to use a 3% rule to be safe. 1220 Washington Ave Age is a factor in retirement planning thats why its important to understand these key milestones. If you are not already a member of the Employees Retirement System and your employment ispart-time, temporary, less than 12 months per year, or you are eligible for and elect to join the Voluntary Defined Contribution Plan, membership is optional. Watch this video for an introduction to searching notifications. On the other hand, if you retire late, or have lots of money coming in from other sources, withdrawing up to 5% per year might be the best move for you. We cannot finalize your pension until we review it and calculate the court-mandated distribution of your benefit. After you fix any errors in your report, you can submit the report to us. 0000003032 00000 n Recent data shows that the majority of Americans have no idea how much they need to save for retirement -- rather, most just guess an arbitrary round number, such as $1 million. 0000007486 00000 n 0000017986 00000 n Watch this video on enrolling members in Retirement Online. Nearly 600 delegates from across the state participated in the Nov. 6-7 meeting. If it does not meetthe username standards indicated above,you must create a new username. 0000006038 00000 n If you rely on information obtained from Google Translate, you do so at your own risk. Your username must be between 6 and 50 characters long. Neither of you has a pension, and a look at your Social Security statement tells you to expect a combined $3,000 per month from Social Security, or $36,000 per year, if you retire at your full retirement age, which you plan to do. However, the "Google Translate" option may help you to read it in other languages. 0000108858 00000 n 0000107116 00000 n However, the "Google Translate" option may help you to read it in other languages. Modeling pension fund excellence since 1921. To make the world smarter, happier, and richer. Member Account Contact BERS (929) 305-3800 or (800) 843-5575 (outside New York State). 0000154330 00000 n Members Account Access Sign in to your BERS account. No. If the information you enter matches the information that TRS has on file, you will be able to complete your registration. Any error contained on this website is subject to correction in accordance with Education Law Section 525 and the practices of the System. 263,475. active members. The New York State Employees Retirement System and New York State Police and Fire Retirement System data, as provided by the state comptroller's office, includes names, gross benefit rates (based on the option the retiree selected), retirement dates and last known employers when available for every individual who collected benefits. These include, but are not limited to: Because Google Translate is intellectual property owned by Google Inc., you must use Google Translate in accord with the Google license agreement, which includes potential liability for misuse: Google Terms of Service. l}b4U|0gi};oiL+-^x7~{p6Gn/>0) }k|0oOTsI3v>H4oZg>;{ocTx(-3"[#W9mjjKr -XVzC_/--mMe2E.\,sYr1Cu:uC]gg@G#tMa~;&o +++=+%,ySc|Lw12`Bx'v` p' 0000019951 00000 n 0000107171 00000 n Click "Cancel" if you wish to cancel. 0000059385 00000 n The Retirement Online Billing Dashboard is where employers access estimated, annual and projected invoices, If you receive your pension checks by mail, the example below shows you how to locate your Pension Number and suffix code. This is the amount you'll need to withdrawal from your retirement savings. Unless youre filing for adisability retirement, youll need to fill out theApplication for Service Retirement (RS6037). Click "Cancel" if you do not wish to continue. If the dates of marriage are provided, the estimate will also include the total service credit accrued during the marriage. This Lesser-Known Way to Save for Retirement Could Result in Major Tax Savings, 2 Reasons to Avoid a Roth 401(k) for Your Retirement Savings, 3 Silly Mistakes That Could Keep You From Retiring Early, Warren Buffett's Latest $2.9 Billion Buy Brings His Total Investment in This Stock to $66 Billion in 4 Years, Want $1 Million in Retirement? If you do not knowthe deceased'sTRS Membership/Retirement Number, please contact Member Services at 1 (888) 8-NYC-TRS. 6250, we can mail your EmplID to the home address you have on file. 0000022011 00000 n The most commonly used guideline is known as the "4% rule," which says that if you withdraw 4% of your savings during your first year of retirement, then give yourself cost-of-living adjustments in subsequent years, the chance of running out of money within 30 years is small. 0 2 Maybe you need to find their deductions or if any improper withholdings were taken. 0000105356 00000 n Retiree Annual Statements are being mailed. If you are reporting manually, you enter report information directly into Retirement Online. So, as a final thought, it's a smart idea to err on the side of caution and aim to exceed your retirement number before leaving work for good. 0000016650 00000 n We accept photocopies of the following as proof: Youll need to choose your pensionpayment option,or how you want your pension paid. Making the world smarter, happier, and richer. NYSLRS is unable to accommodate multiple estimates, estimates which are highly speculative in nature (for example,those which project benefits to some future hypothetical retirement date), or pre-retirement estimates of an ex-spouses benefit pursuant to the terms of the DRO. If an employer issues W-2s, it must have an EIN. 0000620599 00000 n If you do not see the image and caption when you attempt to log in, you should not proceed. Try the BSC Help Center where you can send a question to our support team or search a database of FAQs. endstream endobj 88 0 obj <>>> endobj 89 0 obj <>/ExtGState<>/Font<>/Pattern<>/ProcSet[/PDF/Text/ImageC]/Properties<>/XObject<>>>/Rotate 0/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>> endobj 90 0 obj <> endobj 91 0 obj <>stream 195 0 obj <>stream If you have an account but can't remember your username or password, you can recover them online: All data presented on this website is subject to audit, verification and re-computation, and is provided as a convenience to you. 0000104774 00000 n 110 State Street. 0000136989 00000 n Watch this video on looking up employee information. This Google translation feature is provided for informational purposes only. color:rgb(132,0,0); a.homePromoLink:hover { ^rR2?xT&Dgg~m>692`$@J%L6If^4 ZE\EttX&%p"bBQ<4QMc8d2K)X^iy6?K+mc7< ci)xb color:rgb(0,125,165); 0000026112 00000 n The phone number you enter will be used only for official TRS business. (800) 348-7298. communit@nystrs.org. 0000106389 00000 n trailer You will be asked for the member's NYSLRS ID, retirement or registration number (or Social Security number if you don't have these account numbers) and the date of death. Read our recent newsletters. unemployment method sauce Nuvina Special - Thp cc dinh dng Cao Cp - V Khng ng 195.000 ; wilson combat 350 legend magazine Nuvina Special - Thp cc dinh dng Cao Cp - V t ng 195.000 ; less competitive speech pathology graduate programs 2020 Dng Sn Phm Kim Sot Cn Nng 250.000 . 0000476174 00000 n 0000003912 00000 n 0000116585 00000 n ! Login now. Watch this video on how to create and submit a manual adjustment report. These include, but are not limited to: Because Google Translate is intellectual property owned by Google Inc., you must use Google Translate in accord with the Google license agreement, which includes potential liability for misuse: Google Terms of Service. t:IPt#% xK|$"aI@q$7pA(L|C/ve)x] E-mail BERS using this . Our Guide explains the benefit and payment info in your Statement and provides links to helpful resources. Print the form. You can use our NYSLRS Job Codes tool to select the job codes available to you. Experts generally suggest you'll need about 80% of your pre-retirement income to maintain the same lifestyle in retirement. The DRO gives us specific instructions on how to divide your benefits. Retired teacher David P. Keefe of Hempstead has been re-elected to a new three-year term on the Systems 10-member Board of Trustees. Estimates for members considering retirement will include equitable distribution only if NYSLRS has a signed DRO on file. 0000104895 00000 n Social Security benefits are calculated by applying a formula to your 35 highest-income years on an inflation-adjusted basis. Watch this video for a brief introduction to the features in the Billing Dashboard. Licensing fees with the NYS Office of Court Administration (OCA) are mandatory and are paid biennially by all attorneys engaged in the active practice of law. Google Translate cannot translate all types of documents, and it may not give you an exact translation all the time. Why 80%? font-style:italic; xpjv"X6H2ZXL5Tt6P.[tI|. 0000072833 00000 n Estimates for members considering retirement will include equitable distribution only if NYSLRS has a signed DRO on file. Retirement Online has two ways to submit a report. %%EOF Please follow the instructions in the message. 0 Online Availability: The court may ask for the present or accrued value of the benefits due to a member at retirement. 0000105437 00000 n Your monthly report should include all employees who are members, including these newly added members. 110 State Street 0000006752 00000 n Please review our Terms of Participation and Privacy Policy. Stay informed and connected. 0000005343 00000 n Keefe, who was first elected in 2004, currently serves as Board president. HWA#7+Dg {/"{2%Eq. Keepconnected via MyNYSTRS to submit forms, review information and message us securely. If the employer says you don't need it, call the IRS at 800-829-1040 for their instructions. Learn more about Mailchimp's privacy practices here. Retirement Online's regular hours of availability are: Monday - Friday: 7:00 am to 6:00 pm Saturday & Sunday: 6:00 am to 11:00 pm Visit our Retirement Online sign in page for the most current online availability information. If you are uploading a file, your report must be saved as a .prn, .txt, .rpt, .dat, or .csv file. If the member was a retired members:The TRS Retirement Number is shown in the "pension no." Site Index | Career Opportunities| Contact Us | Privacy and Links Policies | Regulations | Accessibility | FOIL | Webcasts, Reporting Elected and Appointed Officials, damages or losses caused by reliance upon the accuracy of any such information, damages incurred from the viewing, distributing, or copying of such materials. For this, you'll need to account for all of your retirement income sources. The Retirement Online Billing Dashboard is where employers access estimated, annual and projected invoices, GASB information, fiscal year earnings and prior years' adjustments (PYAs). Please check your information and try again. By clearing the passwords saved in your browser, you may plug a potential gap in your system's security. The New York State Teachers' Retirement System (NYSTRS) is one of the 10 largest public pension funds in the nation and among the best-funded teacher systems. The notifications you receive depend on your security role. 0000002933 00000 n Site Index | Career Opportunities| Contact Us | Privacy and Links Policies | Regulations | Accessibility | FOIL | Webcasts, Obtaining Information about a Members Benefits, damages or losses caused by reliance upon the accuracy of any such information, damages incurred from the viewing, distributing, or copying of such materials. 0000076320 00000 n 0000169514 00000 n Help. 0000022292 00000 n 0000116651 00000 n This Google translation feature is provided for informational purposes only. There are a few things to consider when deciding how much you can safely withdraw from your retirement savings each year without having to worry about running out of money later on. For more detailed information, please read ourGuide to Domestic Relations Orders. While having a random savings goal is obviously better than none at all, finding a more accurate retirement number doesn't have to be complicated. As a final step in calculating your retirement number, divide the amount of income you'll need from savings by your withdrawal rate, expressed as a decimal. Sign at the bottom of page 1. Help for viewing our website and using MyNYSTRS. You can find it on your most recent Member Annual Statement or retirement estimate. If you do not report this data timely, your unreported employees may owe additional interest on their membership contributions, loans, and service credit purchases, and may experience delays in receiving service credit. R9c` } box on your retirement allowance check stub or your EFT quarterly statement. box on their retirement allowance check stub or your EFT quarterly statement. When working in Retirement Online, you may receive notifications that tell you important information (informational) or require you to take action (actionable). Still have questions? More about us. Use of this online system is limited to active members and retirees. Let's say you and your spouse have combined income of $100,000 per year, and that you'll need about 80% of your income after retirement, or $80,000. or contact us. H\0}`@&DQe.RHo3&KL>:p$w%Li0w_ubH-]5y+\4`+,E-+/2*I2TkBxN You will lose your changes and will be returned to the TRS home page. The New York State Office of the State Comptroller's website is provided in English. Just fill out aDirect Deposit Enrollment Application (RS6370), and return it to us. There's a ton of other information on your statement -- here's a screenshot of mine, with numbers removed for privacy: Image source: Author's Social Security statement, obtained via Social Security Administration. Claim Code: Enter the 12-digit Claim Code on the letter you received from TRS. 0000123814 00000 n Either select a date or type the date using the MM/DD/YYYY format. To get yourNYSLRSpension benefit, you need to send in an application. From elections to Annual Meeting information, everything a Delegate needs to know. As an obvious example, you'll no longer have a need to set some of your paycheck aside to save for retirement. Albany, NY 12244-0001. Invest better with The Motley Fool. 0000170226 00000 n If you need help with Retirement Online, visit our contact us page for contact and troubleshooting information. Please speak to an independent actuarial consultant, or use the Retirement Online benefit calculator or the Quick Calculator on our website for a projection of anticipated benefits. 0000170477 00000 n