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Your Checklist to Apply for Retirement

After months of planning and preparation, you’re ready to apply for retirement. To get your pension benefit, you need to send in a NYSLRS retirement application. Let’s look at what you should include with the form to help make the retirement process go more smoothly.

Filling Out the Retirement Application

Unless you’re filing for a disability retirement, you’ll need to fill out the Application for Service Retirement (RS6037). Some items to keep in mind when you fill out the form:

  • Know your registration number. You can find this number on your most recent Member Annual Statement or retirement estimate.
  • Know your past employment. Please list your public employment history, including military service and any memberships in other New York public retirement systems. This helps ensure you receive the proper credit for your public service.
  • Include your beneficiary’s information. This isn’t an official designation, but will help us provide you with the pension payment options available to you.
  • See a notary. The form must be filled out completely and signed by a notary public.

Applying for Retirement

Proof of Birth

Make sure we also have proof of your birth date. You can send it with your retirement application or before or after, but pension benefits cannot be paid without it. We’ll accept photocopies of the following as proof:

Other Forms to Consider

You’ll need to choose your payment option before your pension is payable. Option election forms are available on our website, but we will also send you a form after we process your retirement application. If you choose an option that would provide a pension benefit to a beneficiary upon your death, you must provide us with proof of your beneficiary’s birth date.

Your NYSLRS pension isn’t subject to New York State income tax, but it is subject to federal tax. You can fill out a W-4P form to tell us what amount you want withheld from your monthly benefit. You can change your federal withholding status at any time. We don’t withhold other states’ income taxes. Visit the Retired Public Employees Association’s website to see if your benefit will be taxed in another state.

You can enroll in our direct deposit program at the same time you file for retirement. Just fill out a Direct Deposit Enrollment Application (RS6370) and return it to us. Once your final retirement benefit amount is determined, your payments will be directly deposited into the account you specified on your enrollment application. Direct deposit is the fastest and most secure way for you to receive your pension benefits. We will send you information on your direct deposit payment amount including deductions, and will inform you when the amount changes.

If you’re divorced and your 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. We cannot finalize your pension until we have reviewed your DRO and calculated the required distribution of your benefit. The DRO gives us specific instructions on how your benefits should be divided. For more detailed information, please read our Guide to Domestic Relations Orders.

If you have other questions about applying for retirement, read our publication, Life Changes: How Do I Prepare to Retire?

How To Keep Your NYSLRS Records Up-to-date

NYSLRS specialists are here to assist you as you plan and get ready for retirement. However, if your records are incomplete or incorrect, it can cause delays later on. We need your help to make sure your personal information is correct and accurate. So whether you have just recently joined NYSLRS or have been a member for a number of years, here are some instances where you should get in touch with us right away:

  • Let us know when your mailing address changes. This is especially important if you leave public employment before becoming eligible for retirement. Having your correct address on file will help us keep you up-to-date about benefits. Just complete our Change of Address Form (RS5512) and return it to us.
  • Report any date of birth errors. Let us know if your date of birth is incorrect on any official documents or paperwork we send you. You can write to our Member & Employer Services Bureau Registration Unit, 110 State Street, 5th Floor, Albany, NY 12244-0001 to correct your date of birth, and include any supporting documentation (such as your birth certificate). You don’t need to send us an original document to prove your birthdate, but if you do, we’ll return it to you.
  • Name changes. You can change your name by submitting a Name Change Notice Form (RS5483). A signed letter requesting such a change is also acceptable. (If a court order was required for the change, a copy of the court order must be submitted.)
  • Naming or changing your beneficiary. If you wish to update your beneficiaries, you must complete a Designation of Beneficiary Form (RS5127) and send it to us. Please list all beneficiaries you wish to designate. Remember, submitting a new designation of beneficiary form replaces any previous designations you made.

You can read more about your obligations as a NYSLRS member in our publication, Membership in a Nutshell.