Retirement Planning

A successful retirement takes careful planning and education on your part. In advance of your planned retirement, verify that you will meet the age and service requirements as stipulated in your union's contract, meet with your financial advisor and consult with your retirement system. To begin the retirement process, use the district's Retirement Self-Checklist.

New York State and Local Retirement System

If you are a member of New York State and Local Employees’ Retirement System (ERS):
The Retirement System recommends submitting a Request For Estimate (FORM # RS6030) approximately eighteen months away from retirement eligibility. This is not required, but will facilitate the processing of your actual retirement application. Make sure to include all dates and locations of public service on your request. Contact the retirement system for information on your benefits and advice on how to maximize your pension benefit. Review specific information, such as your estimated date of retirement and age as of that date, to determine any impact on your pension benefit. The best way to obtain this information is to schedule an appointment at a local consultation site. You are responsible for filing your notarized Application for Service Retirement (Form # RS6037) with ERS within 15-90 days of your date of retirement. Any pension benefits you may be entitled to are dependent upon your completing the application process per ERS requirements and submitting all required paperwork directly to ERS per their instructions.

The toll free number for ERS is 1-866-805-0990. The website, www.osc.state.ny.us/retire, also contains extensive information and forms. You can make an appointment to visit one of their consultation sites or write to them at

NYS and Local Retirement System
110 State Street
Albany, NY 12244-0001

New York State Teachers' Retirement System

If you are a member of New York State Teachers’ Retirement System (TRS):
Contact the retirement system for information on your benefits and advice on how to maximize your pension benefit. Request an estimate of benefits. Review specific information, such as your estimated date of retirement and age as of that date, to determine any impact on your pension benefit. The best way to obtain this information is to schedule a one-on-one benefit consultation. If you have any service time prior to your membership date make sure to discuss this with the consultant. You are responsible for filing your notarized Service Retirement Application (RET-54) with TRS within 30-90 days of your date of retirement. Any pension benefits you may be entitled to are dependent upon your completing the application process per TRS requirements and submitting all required paperwork directly to TRS per their instructions.

The toll free number for TRS is 1-800-348-7298. The website, www.nystrs.org, also contains extensive information, including video presentations, publications and forms.

Health Insurance Benefits

In most cases, your benefits will not change and you will be invoiced quarterly for your health insurance premiums. As you or your spouse approach 65, it is imperative that you contact the district regarding Medicare and Classic Blue Secure coverage (see Medicare Parts A & B information below). You may call Mary Jane Heinz at (315) 622-7108 in Human Resources to set up an appointment to discuss questions regarding health benefits.

Medicare Parts A & B Information

Medicare Parts A & B -
Typically, if you are retired and attain age 65, you must enroll in Medicare Parts A & B. You may waive Part B, if you are actively employed beyond the age of 65, until you retire. Part A is automatic but you will pay a premium for Part B. If you do not elect Part B and do not qualify for delayed enrollment, you may be assessed a penalty by Medicare and have reduced claim payments by Excellus Blue Cross Blue Shield. It is your responsibility to notify us when you and/or your spouse turn 65 years old.

Medicare Disability Part B -
If your spouse is receiving Medicare Part A due to a disability, he/she must enroll in Medicare Part B, whether or not they are 65 years old, once you retire from the district. There are very few exceptions of this law. Penalties and reduced claim payments may be assessed.

Actively employed past age 65 -
If you are over age 65, actively employed and plan on retiring soon, you will need to apply for Medicare Parts A & B at least 30 days in advance of your retirement. Contact the Social Security Administration at 1-800-772-1213 for enrollment information.

Additional Medicare information is available on the web at www.medicare.gov

Please call Mary Jane Heinz if you have questions regarding enrollment in Medicare Parts A & B.

Related Files
pdf NYS Retirement pdf 121 KB
pdf Retirement Self Checklist pdf 95 KB