We hope you are excited about the world of
opportunities, adventures and interests
waiting to be discovered.
is guide is intended to help you have a rewarding
and successful retirement. Topics covered are listed
alphabetically for your convenience. Some items are
specic to your NYSTRS benet and others are general
in nature, but we hope all will assist you in the process
of discovering retirement.
Before diving in, let’s begin with a review of the
NYSTRS resources available to you in retirement.
Many of these items will be referenced throughout this
publication, so it will be helpful to be familiar with
them.
| NEWSLETTER |
Resource
is a newsletter produced exclusively for our
retired members and beneciaries. You have the choice
of receiving it through U.S. Mail or reading it online at
NYSTRS.org. If you are sight impaired, you can request
an audio edition on CD or listen to it on our website.
| RETIRED MEMBER PROFILE |
is personalized document is produced annually and
includes a breakdown of your gross monthly income
and net payment amount. It also provides a reminder of
the benet payment option you selected at retirement
and, if applicable, your designated beneciary(ies).
| WEBSITE |
Visit NYSTRS.org for the latest System news. It’s also a
place to nd and print forms, review publications, see
benet payment dates, learn the rules for working in
retirement and much more.
Congratulations on your retirement!
“It’s not the years in your life that count.
It’s the life in your years.”
∼ Abraham Lincoln
DISCOVERING
Retirement
| MYNYSTRS |
is secure area of our website provides registered users
the ability to print tax forms, update tax withholdings,
change direct deposit information, verify benet
payments have posted, and change mailing addresses.
You must create an account in order to take advantage
of these services.
| HOTLINE |
Call this 24-hour Hotline at (800) 782-0289 to request
forms and publications, hear the latest earnings
in retirement limits, and obtain other pertinent
information.
BENEFICIARIES
Whether you can change your beneciary(ies) depends
on what benet payment option you selected at
retirement. If you selected an option with beneciary
coverage, the beneciaries you selected are listed on the
Retired Member Prole
produced by NYSTRS each fall.
If you selected the Maximum at retirement, there is no
payment to a beneciary.
If you selected a survivor or pop-up option, which
provides a lifetime payment to one beneciary only,
you cannot change your beneciary.
(Remember to
notify NYSTRS if you selected a pop-up option and
your beneciary predeceases you so we can adjust your
monthly benet to the Maximum.)
If you selected a lump sum or guaranteed period
option, you can change your beneciary(ies) provided
the coverage is still in eect.
No matter what benet payment option you selected,
if you qualify for a death benet in retirement, you are
able to change the beneciary named to receive this
separate benet. See the Death Benets section of this
publication for more details.
To change your beneciary, if eligible, you may use
the Beneciaries tab under My Retirement in your
secure MyNYSTRS account. Alternatively, you may le
a properly completed and notarized paper form with
the System. If you selected a guarantee period option,
use
Designation of Beneciary for Retirees Electing a
Guarantee Option (
RMS-5.3). If you selected a lump
sum option, use
Designation of Beneciary for Retirees
Electing a Lump Sum Option
(RMS-5). e forms are
available on the Retiree Forms page at NYSTRS.org or by
calling the NYSTRS Hotline at (800) 782-0289.
COST-OF-LIVING ADJUSTMENT (COLA)
Your retirement benet is subject to automatic, annual
cost-of-living adjustments when you meet eligibility
requirements. To be eligible, you must meet one of the
following criteria:
• At least age 62 and retired at least ve years.
• At least age 55 and retired at least 10 years.
• Receiving a disability benet and retired for at
least ve years (regardless of age).
A surviving spouse receiving a lifetime survivor’s benet
will receive one-half the benet increase the retiree
would have received.
e COLA is 50% of the increase in the Consumer Price
Index (CPI) recorded between the current and previous
year’s March. It can be a minimum of 1% to a maximum
of 3%. e percentage is multiplied by the rst $18,000
of your maximum retirement benet.
DEATH BENEFIT
Generally, members who retired under Tiers 2-6 are
eligible for a post-retirement Paragraph 2 death benet,
payable to a designated surviving beneciary. is
payment would be made in addition to what is
provided by the option you selected, even if it is the
Maximum benet, and is available at no additional
cost to the member.
2
Tier 2-6 retirees are eligible for this benet unless:
• ey retired from NYSTRS more than a year
aer leaving the payroll of a participating
System employer.
• ey had employment (other than service
reportable to NYSTRS) between their cease-
teaching date and retirement.
You may change your death benet beneciary at any
time using the Beneciaries tab under My Retirement in
your secure MyNYSTRS account or by ling a properly
completed and notarized paper form
Designation of
Beneciary for In-Service or Post-Retirement Paragraph
2 Death Benet
(NET-11.4). e form is available on the
Retiree Forms pages at NYSTRS.org or by calling
(800) 782-0289.
e amount of the survivor’s benet payable under
Paragraph 2 in retirement is as follows:
1st year: 50% of any in-service death
benet in eect at retirement.
2nd year: 25% of any in-service death
benet in eect at retirement.
3rd year and beyond: 10% of any in-service death
benet in eect at retirement,
or age 60 if higher.
Death benet payments are made in a lump sum unless
you specied a monthly annuity. e beneciary of
a lump sum payment may elect, within 90 days of a
retiree’s death, to instead receive a monthly annuity.
If you are eligible for this benet, it will be noted on
the
Retired Member Prole
you receive from NYSTRS
each October.
DIRECT DEPOSIT
With the exception of a few long-time retirees, monthly
benet payments are deposited directly into bank
accounts. If possible, when switching banks or accounts,
notify NYSTRS of the new account before closing out
the existing account. is will help avoid the possible
rejection of your benet payment.
ere are two options for changing your direct deposit:
Option 1
Submit the change online with a MyNYSTRS account.
Visit the Tools > Direct Deposit Authorization
Agreement page to update your information.
Option 2
Complete and submit to NYSTRS a new
Direct Deposit
Authorization Agreement
(GRE-54), available on the
Retiree Forms page of our website or by calling
(800) 348-7298, Ext. 6230.
If you use a brokerage rm that clears payments through
a bank, please call that rm to get the proper direct
deposit ACH (Automated Clearing House) instructions,
and provide us with the institution’s name, your account
number and the routing (ABA) number to which direct
deposit payments should be sent.
Changes must be received by NYSTRS’ payroll
processing deadline (generally the 10th of the month) to
ensure the change takes eect for that month’s payment.
For more information about direct deposit and the
authorization process, call (800) 348-7298, Ext. 6230.
DIVORCE
When a NYSTRS member divorces, a court may
determine the member’s former spouse is entitled to
share in the member’s benets. Any division of NYSTRS
benets must be contained in a Domestic Relations
Order (DRO), which species how benets will be
divided between parties.
NYSTRS oers an online form designed to assist with
draing a DRO. e form, available in the Library at
NYSTRS.org, guides you as you ll it out based on
your unique situation. Aer entering the required
information, the DRO is generated as a PDF, which may
then be saved to your computer and printed.
In all cases, it is recommended that the dra DRO be
submitted to NYSTRS for review prior to its submission
to a court.
For more information about DROs, including important
information to consider when determining the division
of benets, read our publication
Domestic Relations
Orders and a Member’s Retirement Benet —A Guide to
DROs and NYSTRS Benets
. It is available in the Library
at NYSTRS.org.
3
INSURANCE COVERAGE
Until you become eligible for Medicare, which in
most cases is age 65, your health insurance coverage
will depend on the choices your former employer
oered you. e cost and extent of coverage will vary
by employer. Please note that health insurance is not
available through NYSTRS.
While there is no guarantee that retirees in the state
have the same coverage as active employees, the state
Legislature prohibits school districts and BOCES
from unilaterally diminishing retiree health insurance
coverage unless a similar reduction is negotiated for
active employees.
New York State Health Insurance Plan
Employers who participate in the statewide health
plan must continue health coverage for most retired
employees (those employed prior to April 1,1977), but
not necessarily at the same level as prior to retirement.
Coverage by the statewide health plan requires a
minimum amount of service (usually ve years) with
the employer. e employer may reduce its share to 50%
of the premium payments for the retired employee and
35% for additional family members.
NYSTRS will make premium deductions from your
monthly pension payment as determined by your
employer. However, questions pertaining to eligibility,
premium increases or claims should be directed to
your former employer or the state agency administering
the plan:
New York State Department of Civil Service
Employee Benets Division
Alfred E. Smith State Oce Building
Albany, New York 12239
(800) 833-4344
LEGAL DOCUMENTS
If you haven’t already done so, now is a good time to
become familiar with the documents and strategies that
will enable you to maintain control over your estate.
You will want to make sure that, upon your death, your
property is divided according to your wishes.
You should seek professional advice in preparing these
documents and be sure to make adjustments when your
situation changes. If you move to another state, make
sure your documents conform to the laws of that state.
Will
A will is a legal document that transfers your property
aer you die and names an executor to oversee your
estate and carry out your wishes.
You may think you don’t need a will because you assume
everything you own will go to your spouse. is may
not be the case. Each state has a specic formula for
distributing an estate.
For example, in New York, a spouse with no children
inherits the total estate, and other relatives receive no
assets. When a spouse and children are the survivors,
the spouse inherits $50,000 plus one-half of the residue,
while the children and their descendants share one-half
of the residue, equally divided.
When you name an executor, you are selecting someone
who will be responsible for gathering assets and
protecting your estate until creditors and taxes have
been paid. e executor then distributes what remains
to beneciaries and heirs. You should name someone
who is capable of dealing with legal and nancial issues.
You can also name an alternate to act if your rst choice
is unable to carry out the responsibilities.
Requirements for a valid will are complex and dier
by state, so you should have your will reviewed by an
attorney to make sure it conforms to the laws where you
live. If your situation is complex and you have sizeable
assets, it makes sense to consult with an attorney
who specializes in wills to be sure you achieve the
distribution you want.
4
Trust
A trust can also be an important part of your estate
planning. In a trust, you name a bank, attorney,
nancial advisor, or other person as trustee. A trustee
then manages the trust property for you and/or your
beneciaries. Trusts are primarily established to benet
family members and other beneciaries. Tax issues and
protecting assets if you need long-term nursing home
care are also considerations.
ere are two major types of trusts: inter vivos trusts
and testamentary trusts. An inter vivos trust is created
while you are living. It can be either revocable (you can
modify it) or irrevocable (you can’t make changes once
it’s set up). A testamentary trust is created by your will
and takes eect when you die.
If you believe a trust might be desirable, it is best not
to attempt to set it up yourself. An attorney can help
you determine whether a trust is advisable, given your
objectives. If so, the attorney can help you select the
appropriate trust and tailor it to meet your needs and
conform to your overall estate plan.
Power of Attorney
A power of attorney is a legal document naming a
person to act as your agent. at person can be
granted the right to handle a broad range of personal,
nancial, legal and other aairs, including acting on
your behalf concerning your NYSTRS benets. With
a power of attorney, you are able to decide in advance
whom you want to make decisions for you in situations
in which you are unable to make decisions for yourself,
such as during medical procedures or absences from
the country.
When choosing an agent, you should select someone
you trust — perhaps a family member or friend — who
is willing to act in ways having far-reaching eects on
your nancial and personal aairs.
In New York State, a “short form” power of attorney
lists 15 categories in which you may delegate authority.
One category is “retirement benet transactions,” which
would cover any transaction or interaction you would
have with the System. In New York State, a short form
power of attorney executed on or aer Sept. 1, 2009
must also be accompanied by a Statutory Major Gis
Rider in order for an agent to have the power to make
gis and other transfers, including the authority to
change or designate beneciaries on retirement
benet plans.
It’s a good idea to consult with an attorney
to make sure you are using the right form
and to tailor it to meet your needs.
An original or certied copy of your power
of attorney with your signature must be on
le at the System if you want your agent
to act on your behalf concerning your
NYSTRS benet.
e Special Durable
Power of Attorney Form
is available within
the Library page of our website. You may
also request a copy by calling our Hotline.
Health Care Proxy and Living Will
If you become ill or are injured, you may
not be able to express your wishes about
your medical treatment. By completing
a health care proxy, you can appoint
someone you trust as your agent to ensure
your wishes are carried out.
5
Some considerations when selecting an agent:
• You can give the person as little or as much
authority as you want. Unless you say otherwise,
your agent will be allowed to make all health
care decisions for you. You can limit the agent’s
authority or give specic instructions to follow.
• Your agent will begin making decisions for you
when doctors decide you are not able to make
health care decisions yourself. As long as you
are able to make decisions yourself, you have the
right to do so.
• You can choose anyone 18 years of age or older to
be your agent or alternate agent.
• You should discuss your choice of an agent
with family members and your health care
professionals before you sign your proxy, to make
sure you understand the types of decisions that
may be made for you.
• You should discuss your health care wishes and
the health care proxy form with the person you
have chosen as your agent. You don’t need a
lawyer, but two adult witnesses, 18 years of age or
older, must sign your proxy.
• It is a good idea to give a signed copy of the proxy
to your agent, your doctor, other family members
or friends. You should also keep one with your
other important papers.
• You can cancel the proxy, or change your agent
or any treatment instructions, by lling out a new
form. You can also specify that the proxy expire
on a certain date or if a certain event occurs.
A health care proxy is not the same as a living will. A
living will is a document that allows you to express
your feelings about withholding or withdrawing life-
sustaining treatment that prolongs the process of dying.
In it, you can state in advance your objection to certain
medical measures or your desire to have all available
life-sustaining treatment administered.
e living will should express your general wishes, but
it can be as specic as you want. You can indicate your
wishes concerning cardiac resuscitation, mechanical
respiration, and articial nutrition and hydration.
New York, unlike most states, does not have a specic
statute recognizing living wills. However, the courts
have upheld the rights of individuals who have declared
their objections to life-sustaining treatment. ere must
be “clear and convincing” proof that a person made this
statement while still competent. A living will satises
this requirement.
By having both a living will and a health care proxy,
you are making your feelings about your treatment
known and selecting someone you trust to carry out
those wishes.
LONG-TERM CARE
As you live longer, the chances increase that you will
need long-term care, either at home or in a nursing
home. e cost for long-term care depends on where
you live and the level of care you need. e average
length of long-term care is 2.5 years, with one in ve
people needing care for ve or more years.
ere are three ways to pay for long-term care: personal
funds, Medicaid (if you’re near the federal poverty
level and you’ve exhausted your assets), or long-term
care insurance.
Although Medicare provides protection against acute-
care costs such as hospital and physician’s charges, it was
never meant to pay for long-term needs. Medicaid takes
over when people are unable to pay their nursing home
bills. Each state establishes its own qualications for
Medicaid assistance.
6
Partnership for Long-term Care
In New York State, the Partnership for Long-Term Care
program is a unique Department of Health program
combining private long-term care insurance and
Medicaid Extended Coverage (MEC). Its purpose is to
help New Yorkers nancially prepare for the possibility
of needing nursing home care, home care, or assisted
living services someday.
e program works by allowing an individual or couple
who purchases a Partnership insurance policy and
keeps it in eect to hold onto all or part of their assets
(depending on the type of policy purchased) under the
Medicaid program if their long-term care needs extend
beyond the period covered by their policy.
You can nd information on the Partnership by
browsing its website at www.nyspltc.org. You can also
call the Partnership’s toll-free hotline at (866) 950-7526
or send an email to nyplt[email protected]y.gov. e mailing
address is:
New York State Partnership for Long-Term Care
NYS Department of Health
One Commerce Plaza, Rm. 1620
Albany, New York 12210
MEDICARE
Medicare is the basic health insurance program
for people 65 or older and many other people
with disabilities.
Medicare has two parts:
Part A is hospital insurance that helps pay for
inpatient hospital care and certain follow-up services.
It is funded by payroll taxes of 1.45% that all workers
pay on their salary. If you are receiving a Social
Security benet, your hospital insurance will start
automatically at age 65.
Part B is medical insurance, an optional program
that helps pay doctors’ services, outpatient hospital
care and other medical expenses. Almost anyone
who is eligible for hospital insurance can sign up for
medical insurance. It has a monthly premium adjusted
each January and is deducted from your Social
Security payment.
RETIRED BOARD MEMBER ELECTION
As a retiree, you may cast a vote for the retired member
of the NYSTRS Retirement Board. Trustees oversee the
administration and operation of the System. e retired
member and their alternate serve three-year terms.
When only one candidate and alternate are nominated,
they are deemed elected and no formal vote is required.
SOCIAL SECURITY
ere is no Social Security tax on your NYSTRS benet.
Also, for a vast majority of our retirees, NYSTRS
benets and Social Security benets are completely
separate; one does not aect the other.
e lone exception is for Tier 3 members who retire
with a Tier 3 (Article 14) benet. For this group, at age
62, the NYSTRS benet is reduced by 50 percent of the
Social Security benet accrued while in New York State
public employment. To avoid this reduction, most
Tier 3 members retire under the provisions of Tier 4
(Article 15).
Benet Eligiblity
Social Security credits are earned at a rate of four a year
while working and paying taxes. To qualify for a benet,
you need a minimum of 40 credits or 10 years of work.
Additional credits will not increase your benet, but the
income you earn may result in a higher benet. Social
Security benets are paid to you for life and are subject
to cost-of-living adjustments.
Applying
Social Security benets are not paid automatically.
You can apply in person, by mail, or by phone, and
should do so at least three months prior to
7
the date you want benets to begin. Social Security will
tell you what documents you need to establish eligibility.
Calculation of Benet
Your Social Security benet is based on your reported
earnings throughout your employment history. ese
earnings are adjusted to reect changes in average wage
levels over the years. If you were born aer 1928,
your 35 highest years are used to nd your average
indexed monthly earnings (AIME). e AIME is then
multiplied by a percentage in a formula specied by law.
e earliest you can collect Social Security is age 62. e
benet, however, will be smaller than what you would
receive at normal retirement age. Normal retirement age
for a full benet is determined by your year of birth as
shown in the following chart.
Social Security Earnings Limits
If you work in retirement and are of full retirement age,
your Social Security benet cannot be diminished no
matter how much you earn. However, if you have yet to
achieve full retirement age, your benet will be reduced
if you exceed established earnings limits. Contact SSA
for details.
It is important to note that unlike your NYSTRS benet,
which is subject to an earnings limit only as it applies to
New York State public employment, your Social Security
benets are subject to earnings limits for all
employment if you are not of full
retirement age. (Items such as pensions,
annuities, investment income and interest
do not count as employment earnings.)
ere are dierent rules for those receiving Social
Security disability benets.
Divorce
If you are divorced, your ex-spouse may be eligible for
Social Security benets from your account. is holds
true even if you remarry. In some situations, your
ex-spouse may get benets even if you are not receiving
them yourself.
In order to qualify, your ex-spouse must meet all the
following conditions:
• Have been married to you for at least 10 years.
• Be at least 60 years old.
• Be unmarried.
• Not be eligible for an equal or higher benet on
their own Social Security record, or on someone
else’s Social Security record.
If your ex-spouse receives a Social Security benet
on your account, it does not aect the amount of any
benets payable to you or your other family members.
Getting SSA Information
Social Security has a comprehensive website at
www.ssa.gov containing the latest policy changes,
proposals for the future and detailed information.
Or call (800) 772-1213 to speak with a Social Security
representative. is person can answer your questions
or make an appointment for you at the nearest Social
Security oce.
TAXES
Your NYSTRS benet is subject to federal income
tax, but is exempt from New York State income tax.
In several other states, out-of-state pension income
is partially exempt. If you are considering a move to
another state, we suggest you contact that state’s tax
department to understand how your benet will be
taxed. A summary of tax laws by state is also available
at www.rpea.org.
If you have previously taxed member contributions
remaining in the System, a small percentage of your
benet may be non-taxable. We will report any such
non-taxable amount to you.
(Please Note: Contributions
made by Tier 3 and 4 members before July 1,1989, are
included in the non-taxable amount.)
8
Year of Birth Full Retirement Age
1937 or earlier 65
1938 65 and 2 months
1939 65 and 4 months
1940 65 and 6 months
1941 65 and 8 months
1942 65 and 10 months
1943-54 66
1955 66 and 2 months
1956 66 and 4 months
1957 66 and 6 months
1958 66 and 8 months
1959 66 and 10 months
1960 or later 67
Year End Tax Reporting
You will receive a 1099-R tax form from the System each
January. It will list the gross amount of your benet,
the taxable amount and any federal tax withheld for the
previous calendar year. We send Copy A of the form to
the Internal Revenue Service. You le Copy B with your
federal tax return and keep Copy C for your records.
If you need a duplicate copy and you have a MyNYSTRS
account, you can print a replacement from the NYSTRS
website. You will need to log in to your MyNYSTRS
account to access it. You can also request a duplicate by
calling us at (800) 348-7298, Ext. 6120.
Two 1099-R items to keep in mind:
1. e rst several benet payments new retirees
receive represent an estimate of what the
actual amount will be. When the retirement is
nalized, a lump-sum adjustment will be paid
to make up the dierence between the estimated
payment amount and the nal payment amount.
e lump-sum payment may or may not be
paid in the same tax year as the estimated
benet payments and, as a result, the gross
amount on a given year’s 1099-R may be
dierent than expected.
2. COLA adjustments, by law, are made to eligible
retirees each September. As a result, the
1099-R income amount reects eight months
at one monthly payment, and four months at a
higher (COLA-adjusted) monthly payment.
Tax Withholding
You can have taxes withheld from your monthly pay-
ments or you can make quarterly estimated tax pay-
ments. If you do not le a
W-4P Withholding Certicate
for Periodic Pension or Annuity Payments
(FIN-149.1)
form, federal taxes will be withheld automatically at the
rate for “married with
three exemptions.”
To elect a new withholding amount, you must submit a
new W-4P form with the System. You can change your
tax withholding at any time and, generally, a change
received by the 12th of a month will be reected in that
month’s payment. MyNYSTRS account holders have the
convenience of updating their W-4P withholding
election online.
Make your withholding decision carefully since you may
incur penalties under the estimated tax rules if your
tax payments are not sucient to meet your federal
tax obligation. System sta cannot oer tax advice. We
recommend you consult a tax advisor or the IRS directly
if you need assistance.
UNION PROGRAMS
If you so request, we will withhold payments
from your retirement benet for various
union programs oered through New York
State United Teachers (NYSUT). Questions
about the programs and benets should be
directed to:
New York State United Teachers
800 Troy-Schenectady Road
Latham, New York 12110-2455
(800) 342-9810 or
(518) 213-6000 for Albany-area calls
9
VOLUNTEERING
If you’re looking for new and rewarding activities to
enjoy in retirement, you don’t have to look hard to
nd organizations that can use your time and skills.
Volunteering gives you the opportunity to stay active and
the satisfaction of making a positive contribution
to society.
Many organizations are hungry for volunteers, especially
retired educators who have the experience of working
one-on-one or in small groups, as well as making
presentations and organizing data.
Here are some things to consider if you’re thinking about
volunteering:
• Look for situations where you can recreate the
aspects of teaching you found most satisfying—
maybe coaching or tutoring.
• Start with organizations where you’re already
active—a religious institution, club, charity or
community service group.
• Explore the possibilities of on-line volunteering you
can do right at home.
• Consider working at special events in your
community, such as fundraisers for worthy causes.
WORKING IN RETIREMENT
Whether it’s to help oset rising costs or to satisfy a
need to be connected and productive, returning to the
workplace aer retiring has become commonplace.
If you’re considering returning to work, you should
nd out if there are earnings limitations for the type of
work you are considering. You’ll nd comprehensive
information in the NYSTRS publications
Working in
Retirement
and
Retired Members’ Handbook.
You may
also call us at (800) 348-7298, Ext. 6150 whenever you
have a question about your employment.
Don’t jeopardize your retirement benet. Know the
facts about earnings limits and their eect on your
NYSTRS benet.
Report Your Earnings
If you are under 65 and working for a New York State
public employer, you are required to report your earnings to
NYSTRS as soon as you reach the earnings limit of $35,000
in 2020 and subsequent years — even if you worked under
a waiver or your public employer contracted with a private,
third-party entity to hire you.
If you have a MyNYSTRS account, use the Earnings Aer
Retirement feature to report your earnings. We recommend
reporting monthly, even if you do not intend to exceed the
limit. Timely self-reporting helps you track your earnings
and avoid having to repay a portion of your retirement
benet.
ose without an account will need to complete and submit
the
Reporting Your New York State Public Employment
Earnings
(RMS-64.1) form as soon as they reach the limit in
a calendar year. e form is available on the Retiree Forms
page of NYSTRS.org.
If you work for a NYSTRS-participating employer (including
New York State public school districts, qualifying charter
schools, the state Education Department, SUNY or state
community colleges), you must provide your NYSTRS
EmplID to your employer. In addition to your own
reporting, a NYSTRS-participating employer must report
your earnings to us monthly.
Please Note: Employment rules and earnings limitations
oen change. Also, Social Security regulations and New
York State law may not always be the same. Visit
our website at NYSTRS.org or call the System at
(800) 782-0289 for updates on these and other topics.
“THE LONGER I LIVE,
THE MORE BEAUTIFUL
LIFE BECOMES.”
~ Frank Lloyd Wright
10 CORPORATE WOODS DRIVE
ALBANY, NY 12211-2395
NYSTRS.ORG
DECEMBER 2022
10
