A recent Urban Institute analysis finds employees hired at age 25 in half of traditional state and local systems must work 20 or more years to start receiving pension payments worth more than their contributions. For others, the wait extends 30 years or even longer.
The recent rounds of pension reforms widened the time period before many participating employees can begin earning employer-financed benefits. The Urban Institute argues that, for those disproportionally affected, this is cause for concern.
“We want these plans to keep up with the times and be appropriate with the modern labor force when people are changing jobs more frequently and working longer,” said Richard Johnson, who directs the Urban Institute’s retirement policy program.
Retirement eligibility is typically based on a combination of a person’s age and years of service. In most systems, shorter-tenured workers' contributions help subsidize benefits of longtime employees. Many of these short-term workers actually lose money because the interest from their pension plans is less than what they could earn by investing money on their own, Johnson said.
Much of the reforms state legislatures passed in recent years raised contribution rates, while others increased retirement ages. Such adjustments pushed up the number of service years plan participants need to begin accumulating benefits from their employers.
For the most part, younger workers incurred far greater benefit cuts than those nearing the end of their careers. The changes have prompted some public sector groups to warn that cuts could deter newcomers from entering public service. A Governing analysis of retirement data published earlier this year also found pension reforms contributed to sizable increases in employee retirements in at least six states.
The following chart, compiled by the Urban Institute, shows how much longer 25-year-old new hires will need to work before accumulating employer-financed benefits from 128 state plans subject to reforms.
According to the Urban Institute’s Johnson, too many retirement systems aren’t distributing benefits fairly among members. “It’s important that even those who only stay on the job for 10 years get something out of the plan,” he said.
For some systems, the time it takes to accumulate employer-financed systems extends more than three decades. In Montana, 25-year-old employees hired after 2011 must work 36 years before accumulating employer-financed benefits from the state’s Public Employees’ Retirement System. New Ohio teachers of the same age retiring after 2026 will similarly need to work 35 years in order to earn employer-backed benefits from the State Teachers Retirement System of Ohio, according to Urban Institute calculations.
How systems are structured varies across occupations. The Urban Institute found new age-25 teaching hires must work a median of 24 years before receiving employer-financed benefits. For police and fire hires, it’s 18 years.
Because of some plans’ design, employees could see drastic swings in retirement benefits over the course of only one or two years. Police and fire pension plans, in particular, are notorious for such retirement benefit spikes. As a result, employees run the risk of losing out if they need to move or change jobs for various reasons.
The following table lists the years of service it takes to begin earning employer-financed benefits for 612 defined-benefit plans. Calculations shown are for employees hired at age 25, as computed by the Urban Institute using each plan’s adopted interest rate and inflation assumptions.
| State | Pension Plan | Years | Link |
|---|---|---|---|
| South Dakota | South Dakota Retirement System (Class B): State and local police and firefighters Retired before July 1, 2008 | 3 | View Plan Details |
| Utah | Tier 1 Noncontributory: General state government employees Hired after June 30, 1986 and before July 1, 2011 | 4 | View Plan Details |
| Utah | Tier 2 Public Employees Contributory Retirement System: General state government employees Hired after June 30, 2011 | 4 | View Plan Details |
| Utah | Tier 1 Noncontributory: Teachers Hired after June 30, 1986 and before July 1, 2011 | 4 | View Plan Details |
| Utah | Tier 2 Public Employees Contributory Retirement System: Teachers Hired after June 30, 2011 | 4 | View Plan Details |
| Utah | Tier 1 Noncontributory: General local government employees Hired after June 30, 1986 and before July 1, 2011 | 4 | View Plan Details |
| Utah | Tier 2 Public Employees Contributory Retirement System: General local government employees Hired after June 30, 2011 | 4 | View Plan Details |
| Utah | Tier 1 Public Safety: Noncontributory: Police and Fire Hired after June 30, 1989 and before July 1, 2011 (Public Safety: Non-Contributory) | 4 | View Plan Details |
| Utah | Tier 2 Public Safety and Firefighters Contributory Retirement System: Police and Fire Hired after June 30, 2011 | 4 | View Plan Details |
| Arkansas | Arkansas Public Employees Retirement Plan: General state government employees Hired after Jan. 1, 1978 and retire by June 30, 2007 | 5 | View Plan Details |
| Arkansas | Arkansas Public Employees Retirement Plan: General state government employees Hired on July 1, 1997 | 5 | View Plan Details |
| Arkansas | Arkansas Public Employees Retirement Plan: General local government employees Hired after Jan. 1, 1978 and retire by June 30, 2007 | 5 | View Plan Details |
| Arkansas | Arkansas Public Employees Retirement Plan: General local government employees Hired on July 1, 1997 | 5 | View Plan Details |
| Arkansas | Arkansas Public Employees Retirement Plan: Certain state and local public safety workers Hired after Jan. 1, 1978 and before July 1, 2005 | 5 | View Plan Details |
| Arkansas | Arkansas Local Police and Fire Retirement System: Local Police and Fire BP1 | 5 | View Plan Details |
| Arkansas | Arkansas State Police Retirement System: State Police Hired before April 3, 1997 (Tier 1) | 5 | View Plan Details |
| Arkansas | Arkansas State Police Retirement System: State Police Hired on or after April 3, 1997 (Tier 2) | 5 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - State Peace Officers and Firefighters (Firefighters): Firefighters Hired before January 15, 2011 | 5 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - State Peace Officers and Firefighters (Police): State peace officers Hired before January 15, 2011 | 5 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - California Highway Patrol: California Highway Patrol Officers Hired before January 15, 2011 | 5 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - Local Safety Members: Local police and firefighters Hired before January 1, 2012 | 5 | View Plan Details |
| Connecticut | Connecticut Municipal Employees Retirement System (CMERS) - Covered by Social Security: General local government employees covered by Social Security | 5 | View Plan Details |
| Indiana | Indiana State Police Fund: State police Hired before July 1, 1987 | 5 | View Plan Details |
| Maryland | Maryland State Retirement and Pension System: Law Enforcement Officers' Pension System: State and local law enforcement and firefighters Law Enforcement Officers' Pension System - Hired before Jan. 1, 2005 and did not move into alternative plan | 5 | View Plan Details |
| Missouri | Missouri State Employees Retirement System: MSEP 2000: General state government employees Hired on or after July 1, 2000 and before Jan. 1, 2011 | 5 | View Plan Details |
| Missouri | Missouri State Employees Retirement System: MSEP: General state government employees Hired on or after Aug. 28, 1997 and before July 1, 2000 | 5 | View Plan Details |
| Missouri | Missouri State Employees Retirement System: MSEP: General state government employees Hired before Aug. 28, 1997 | 5 | View Plan Details |
| Missouri | Missouri Dept of Transportation and Highway Patrol Employees' Retirement System (Closed Plan): State Police State Police - Closed plan, hired on or before Jan. 1, 1995 | 5 | View Plan Details |
| Missouri | Missouri Dept of Transportation and Highway Patrol Employees' Retirement System (Closed Plan): State Police State Police - Closed plan, hired after Jan. 1. 1995 and before July 1, 2000 | 5 | View Plan Details |
| Montana | Municipal Police Officer's Retirement System (MPORS): Local police officers Hired before July 1, 1975 | 5 | View Plan Details |
| Montana | Municipal Police Officer's Retirement System (MPORS): Local police officers Hired on or after July 1, 1975 and before July 1, 1979 | 5 | View Plan Details |
| Montana | Municipal Police Officer's Retirement System (MPORS): Local police officers Hired on or after July 1, 1979 and before July 1, 1997 | 5 | View Plan Details |
| New York | New York State and Local Police and Fire Retirement System: Local police officers and firefighters Hired on or after July 31, 1973 and before July 1, 2009 (Tier 2) | 5 | View Plan Details |
| New York | New York State and Local Police and Fire Retirement System: State police Hired on or after July 31, 1973 and before July 1, 2009 (Tier 2) | 5 | View Plan Details |
| Oregon | Oregon Public Employees Retirement System: Tier One: General state government employees Hired before July 14, 1995 | 5 | View Plan Details |
| Oregon | Oregon Public Employees Retirement System: Tier Two: General state government employees Hired on or after Jan. 1, 1996 and before Aug. 29, 2003 | 5 | View Plan Details |
| Oregon | Oregon Public Employees Retirement System: OPSRP: General state government employees Hired on or after Aug. 28, 2003 | 5 | View Plan Details |
| Oregon | Oregon Public Employees Retirement System: Tier One: General local government employees Hired before July 14, 1995 | 5 | View Plan Details |
| Oregon | Oregon Public Employees Retirement System: Tier Two: General local government employees Hired on or after Jan. 1, 1996 and before Aug. 29, 2003 | 5 | View Plan Details |
| Oregon | Oregon Public Employees Retirement System: OPSRP: General local government employees Hired on or after Aug. 28, 2003 | 5 | View Plan Details |
| Oregon | Oregon Public Employees Retirement System: Tier One: Teachers Hired before July 14, 1995 | 5 | View Plan Details |
| Oregon | Oregon Public Employees Retirement System: Tier Two: Teachers Hired on or after Jan. 1, 1996 and before Aug. 29, 2003 | 5 | View Plan Details |
| Oregon | Oregon Public Employees Retirement System: OPSRP: Teachers Hired on or after Aug. 28, 2003 | 5 | View Plan Details |
| Oregon | Oregon Public Employees Retirement System: Tier One: State and Local Police Officers and Firefighters Hired before July 14, 1995 | 5 | View Plan Details |
| Oregon | Oregon Public Employees Retirement System: Tier Two: State and Local Police Officers and Firefighters Hired on or after Jan. 1, 1996 and before Aug. 29, 2003 | 5 | View Plan Details |
| Oregon | Oregon Public Employees Retirement System: OPSRP: State and Local Police Officers and Firefighters Hired on or after Aug. 28, 2003 | 5 | View Plan Details |
| Pennsylvania | Commonwealth of Pennsylvania State Employees' Retirement System (SERS) - Class A (State Police): State police Hired before July 1, 2012 | 5 | View Plan Details |
| South Dakota | South Dakota Retirement System (Class B): State and local police and firefighters Hired on or after July 1, 2008 | 5 | View Plan Details |
| Tennessee | Tennessee Consolidated Retirement System: General state government employees Hired on or after July 1, 1976 | 5 | View Plan Details |
| Tennessee | Tennessee Consolidated Retirement System: General local government employees Hired on or after July 1, 1976 | 5 | View Plan Details |
| Tennessee | Tennessee Consolidated Retirement System: Local police officers and firefighters Hired on or after July 1, 1976 (Local Police and Fire) | 5 | View Plan Details |
| Tennessee | Tennessee Consolidated Retirement System: State Police Hired on or after July 1, 1976 (State Police) | 5 | View Plan Details |
| Washington | Public Employees' Retirement System (PERS) - Plan 3: General state government employees Hired on or after March 1, 2002 and before May 1, 2013 | 5 | View Plan Details |
| Washington | Public Employees' Retirement System (PERS) - Plan 3: General state government employees Hired on or after May 1, 2013 | 5 | View Plan Details |
| Washington | Public Employees' Retirement System (PERS) - Plan 3: General local government employees Hired on or after Setember 1, 2002 and before May 1, 2013 | 5 | View Plan Details |
| Washington | Public Employees' Retirement System (PERS) - Plan 3: General local government employees Hired on or after May 1, 2013 | 5 | View Plan Details |
| Wisonsin | Wisconsin Retirement System (WRS) - Fire: Police and Fire Retired before January 1, 2000 (Fire) | 5 | View Plan Details |
| Wisonsin | Wisconsin Retirement System (WRS) - Fire: Police and Fire 20 YOS on January 1, 2000 (Fire) | 5 | View Plan Details |
| Florida | Florida Retirement System Pension Plan: Special Risk Class: State and local police and firefighters Hired before July 1, 2011 | 6 | View Plan Details |
| Wisonsin | Wisconsin Retirement System (WRS) - Fire: Police and Fire Hired after June 30, 2011 (Fire) | 6 | View Plan Details |
| Maryland | Maryland State Retirement and Pension System: Retirement System for State Police: State Police Retirement System for State Police - Hired on or before June 30, 2011 | 7 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - California Highway Patrol: California Highway Patrol Officers Hired on or after January 15, 2011 and before January 1, 2013 | 8 | View Plan Details |
| Missouri | Missouri Local Government Employees Retirement System (LAGERS): Option L7 (Police and Fire): Local fire and police LAGERS (Option L7) | 8 | View Plan Details |
| Missouri | Missouri Local Government Employees Retirement System (LAGERS): Option L12 (Police and Fire): Local fire and police LAGERS (Option L12) | 8 | View Plan Details |
| Missouri | Missouri Local Government Employees Retirement System (LAGERS): Option L6 (Police and Fire): Local fire and police LAGERS (Option L6) | 8 | View Plan Details |
| Wisonsin | Wisconsin Retirement System (WRS) - Police/Sheriffs/Deputies: Police and Fire Retired before January 1, 2000 (Law Enforcement) | 8 | View Plan Details |
| Wisonsin | Wisconsin Retirement System (WRS) - Police/Sheriffs/Deputies: Police and Fire 20 YOS on January 1, 2000 (Law Enforcement) | 8 | View Plan Details |
| Wyoming | Wyoming Paid Firemen's Pension Plan B: Local firefighters Local firefighters hired on or after July 1, 1981 | 8 | View Plan Details |
| Indiana | Indiana State Police Fund: State police Hired on or after July 1, 1987 | 9 | View Plan Details |
| Maryland | Maryland State Retirement and Pension System: Law Enforcement Officers' Pension System: State and local law enforcement and firefighters Law Enforcement Officers' Pension System - Hired on or before June 30, 2011 | 9 | View Plan Details |
| Wisonsin | Wisconsin Retirement System (WRS) - Police/Sheriffs/Deputies: Police and Fire Hired after June 30, 2011 (Law Enforcement) | 9 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - State Miscellaneous Members Tier 2: General state government employees Hired before January 15, 2011 (CalPERS, Tier 2) | 10 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - State Miscellaneous Members Tier 2: General state government employees Hired on or after January 15, 2011 and before January 1, 2013 (CalPERS, Tier 2) | 10 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - State Miscellaneous Members Tier 2: General state government employees Hired on or after January 1, 2013 (CalPERS, Tier 2) | 10 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - State Peace Officers and Firefighters (Firefighters): Firefighters Hired on or after January 15, 2011 and before January 1, 2013 | 10 | View Plan Details |
| Connecticut | Connecticut State Employees Retirement System (SERS) - Tier II: General state government employees Hired after July 1, 1984 and before July 1, 1997 | 10 | View Plan Details |
| Connecticut | Connecticut State Employees Retirement System (SERS) - Tier IIA: General state government employees Hired on or after July 1, 1997 and before July 1, 2011 | 10 | View Plan Details |
| Georgia | Employees' Retirement System of Georgia (ERS) - Old Plan: General state government employees Hired before July 1, 1982 | 10 | View Plan Details |
| Georgia | Employees' Retirement System of Georgia (ERS) - New Plan: General state government employees Hired on or after July 1, 1982 and before January 1, 2009 | 10 | View Plan Details |
| Georgia | Peace Officers' Annuity and Benefit Fund of Georgia : Peace officers Hired before July 1, 2010 | 10 | View Plan Details |
| Hawaii | Employees' Retirement System of the State of Hawaii (ERS) - Noncontributory Plan: General state government employees Hired on or after July 1, 1984 and before July 1, 2006 | 10 | View Plan Details |
| Hawaii | Employees' Retirement System of the State of Hawaii (ERS) - Noncontributory Plan: General local government employees Hired on or after July 1, 1984 and before July 1, 2006 | 10 | View Plan Details |
| Hawaii | Employees' Retirement System of the State of Hawaii (ERS) - Noncontributory Plan: Teachers Hired on or after July 1, 1984 and before July 1, 2006 | 10 | View Plan Details |
| Indiana | Indiana Public Employees Retirement Fund: General state government employees | 10 | View Plan Details |
| Indiana | Indiana Public Employees Retirement Fund: General local government employees | 10 | View Plan Details |
| Indiana | Indiana StateTeachers Retirement Fund: Teachers | 10 | View Plan Details |
| Louisiana | Louisiana State Police Retirement System: State police Hired before Jan. 1, 2011 | 10 | View Plan Details |
| Massachusetts | Massachusetts Public Employee Retirement System: General state government employees Hired on or after Jan. 1, 1979 and before Jan. 1, 1984 | 10 | View Plan Details |
| Massachusetts | Massachusetts Public Employee Retirement System: General state government employees Hired on or after Jan. 1, 1984 and before July 1, 1996 | 10 | View Plan Details |
| Massachusetts | Massachusetts Public Employee Retirement System: General state government employees Hired on or after July 1, 1996 and before April 1, 2012 | 10 | View Plan Details |
| Massachusetts | Massachusetts Public Employee Retirement System: General local government employees Hired on or after Jan. 1, 1979 and before Jan. 1, 1984 | 10 | View Plan Details |
| Massachusetts | Massachusetts Public Employee Retirement System: General local government employees Hired on or after Jan. 1, 1984 and before July 1, 1996 | 10 | View Plan Details |
| Massachusetts | Massachusetts Public Employee Retirement System: General local government employees Hired on or after July 1, 1996 and before April 1, 2012 | 10 | View Plan Details |
| Massachusetts | Massachusetts Public Employee Retirement System: Local police officers and firefighters Local police officers and firefighters - Hired on or after Jan. 1, 1979 and before Jan. 1, 1984 | 10 | View Plan Details |
| Massachusetts | Massachusetts Public Employee Retirement System: Local police officers and firefighters Local police officers and firefighters - Hired on or after Jan. 1, 1984 and before July 1, 1996 | 10 | View Plan Details |
| Massachusetts | Massachusetts Public Employee Retirement System: Local police officers and firefighters Local police officers and firefighters - Hired on or after July 1, 1996 and before April 1, 2012 | 10 | View Plan Details |
| Massachusetts | Massachusetts Public Employee Retirement System: Local police officers and firefighters Local police officers and firefighters - Hired on or after April 1, 2012 | 10 | View Plan Details |
| Massachusetts | Massachusetts Teachers' Retirement System: Teachers Hired on or after Jan. 1, 1979 and before Jan. 1, 1984 | 10 | View Plan Details |
| Massachusetts | Massachusetts Teachers' Retirement System: Teachers Hired on or after Jan. 1, 1984 and before July 1, 1996 | 10 | View Plan Details |
| Massachusetts | Massachusetts Teachers' Retirement System: Teachers Hired on or after July 1, 1996 and before July 1, 2001 | 10 | View Plan Details |
| Michigan | Public School Employees' Retirement System - Basic: Teachers Hired before January 1, 1990 and retired before February 1, 2013 | 10 | View Plan Details |
| Michigan | Public School Employees' Retirement System - Member Investment Plan (MIP) Graded - Option 1: Teachers Hired after December 31, 1989 and before July 1, 2008 - 20 YOS on February 1, 2013 (Option 1) | 10 | View Plan Details |
| Michigan | Public School Employees' Retirement System - Member Investment Plan (MIP) Graded - Option 2: Teachers Hired after December 31, 1989 and before July 1, 2008 - 20 YOS on February 1, 2013 (Option 2) | 10 | View Plan Details |
| Michigan | Public School Employees' Retirement System - Member Investment Plan (MIP) Graded - Option 3: Teachers Hired after December 31, 1989 and before July 1, 2008 - 20 YOS on February 1, 2013 (Option 3) | 10 | View Plan Details |
| Michigan | Public School Employees' Retirement System - Member Investment Plan (MIP) Graded - Option 4: Teachers Hired after December 31, 1989 and before July 1, 2008 - 20 YOS on February 1, 2013 (Option 4) | 10 | View Plan Details |
| Michigan | State Employees Retirement System - DB Plan: General state government employees Hired before March 31, 1997 and retired before April 1, 2012 | 10 | View Plan Details |
| Michigan | State Employees Retirement System - DB Classified: General state government employees Hired before March 31, 1997 and 20 YOS on April 1, 2012 | 10 | View Plan Details |
| Michigan | State Employees Retirement System - DB 30: General state government employees Hired before March 31, 1997 and 20 YOS on April 1, 2012 | 10 | View Plan Details |
| Michigan | State Employees Retirement System - DB/DC Blend: General state government employees Hired before March 31, 1997 and 20 YOS on April 1, 2012 | 10 | View Plan Details |
| Minnesota | Minnesota State Patrol Retirement Fund: State Police Minnesota State Patrol Retirement Fund - Hired Before July 1, 2010 | 10 | View Plan Details |
| Minnesota | Minnesota State Patrol Retirement Fund: State Police Minnesota State Patrol Retirement Fund - Hired on or after July 1, 2010 | 10 | View Plan Details |
| Montana | Municipal Police Officer's Retirement System (MPORS): Local police officers Hired on or after July 1, 1997 | 10 | View Plan Details |
| North Dakota | North Dakota Public Employees Retirement System: Local police officers and firefighters | 10 | View Plan Details |
| New York | New York State and Local Employees' Retirement System: General state government employees Hired on or after April 1, 2012 (Tier 6) | 10 | View Plan Details |
| New York | New York State and Local Employees' Retirement System: General local government employees Hired on or after April 1, 2012 (Tier 6) | 10 | View Plan Details |
| New York | New York State and Local Police and Fire Retirement System: Local police officers and firefighters Hired on or after Jan. 9, 2010 and before April 1, 2012 (Tier 5) | 10 | View Plan Details |
| New York | New York State and Local Police and Fire Retirement System: Local police officers and firefighters Hired on or after April 1, 2012 (Tier 6) | 10 | View Plan Details |
| New York | New York State and Local Police and Fire Retirement System: State police Hired on or after Jan. 9, 2010 and before April 1, 2012 (Tier 5) | 10 | View Plan Details |
| New York | New York State Teachers' Retirement System: Teachers Hired on or after April 1, 2012 (Tier 6) | 10 | View Plan Details |
| Washington | Washington Teachers' Retirement System (TRS) - Plan 3: Teachers Hired after June 30, 1996 and before May 1, 2013 | 10 | View Plan Details |
| Washington | Washington Teachers' Retirement System (TRS) - Plan 3: Teachers Hired on or after May 1, 2013 | 10 | View Plan Details |
| Alabama | Employees' Retirement System (ERS) - Tier 1 (State Police): State police Hired before January 1, 2013 | 11 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - California Highway Patrol: California Highway Patrol Officers Hired on or after January 1, 2013 | 11 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - Local Miscellaneous Members: General local government employees Hired before January 1, 2012 | 11 | View Plan Details |
| Florida | Florida Retirement System Pension Plan: Special Risk Class: State and local police and firefighters Hired on or after July 1, 2011 | 11 | View Plan Details |
| Louisiana | Louisiana Parochial Employees' Retirement System: Plan B: General local government employees Hired before Jan. 1, 2007 (PERSLA, Plan B) | 11 | View Plan Details |
| Maryland | Maryland State Retirement and Pension System: Law Enforcement Officers' Pension System: State and local law enforcement and firefighters Law Enforcement Officers' Pension System - Hired after June 30, 2011 | 11 | View Plan Details |
| Maryland | Maryland State Retirement and Pension System: Retirement System for State Police: State Police Retirement System for State Police - Hired after June 30, 2011 | 11 | View Plan Details |
| Michigan | Public School Employees' Retirement System - Member Investment Plan (MIP) Fixed - Option 1: Teachers Hired before January 1, 1990, elected MIP plan - 25 YOS on February 1, 2013 (Option 1) | 11 | View Plan Details |
| Michigan | Public School Employees' Retirement System - Member Investment Plan (MIP) Fixed - Option 2: Teachers Hired before January 1, 1990, elected MIP plan - 25 YOS on February 1, 2013 (Option 2) | 11 | View Plan Details |
| Michigan | Public School Employees' Retirement System - Member Investment Plan (MIP) Fixed - Option 3: Teachers Hired before January 1, 1990, elected MIP plan - 25 YOS on February 1, 2013 (Option 3) | 11 | View Plan Details |
| Michigan | Public School Employees' Retirement System - Member Investment Plan (MIP) Fixed - Option 4: Teachers Hired before January 1, 1990, elected MIP plan - 25 YOS on February 1, 2013 (Option 4) | 11 | View Plan Details |
| Minnesota | Minnesota State Employees Retirement Fund: General state government employees Hired on or after July 1, 2010 | 11 | View Plan Details |
| Minnesota | Minnesota State Employees Retirement Fund: General state government employees Hired on or after July 1, 1989 and before July 1, 2010 | 11 | View Plan Details |
| Minnesota | Minnesota State Employees Retirement Fund: General state government employees Hired before July 1, 1989 | 11 | View Plan Details |
| New York | New York State Teachers' Retirement System: Teachers Hired on or after July 27, 1976 and before Jan. 1, 2010 (Tiers 3 & 4) | 11 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - State Peace Officers and Firefighters (Firefighters): Firefighters Hired on or after January 1, 2013 | 12 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - State Peace Officers and Firefighters (Police): State peace officers Hired on or after January 15, 2011 and before January 1, 2013 | 12 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - State Peace Officers and Firefighters (Police): State peace officers Hired on or after January 1, 2013 | 12 | View Plan Details |
| Connecticut | Connecticut Municipal Employees Retirement System (CMERS) - Not Covered by Social Security: General local government employees not covered by Social Security | 12 | View Plan Details |
| Delaware | Delaware State Employees' Pension Plan: General state government employees Hired on or after Jan. 1, 1997 and before Jan. 1, 2012 | 12 | View Plan Details |
| Delaware | Delaware State Employees' Pension Plan: Teachers Hired on or after Jan. 1, 1997 and before Jan. 1, 2012 | 12 | View Plan Details |
| Georgia | Employees' Retirement System of Georgia (ERS) - GSEPS: General state government employees Hired on or after January 1, 2009 | 12 | View Plan Details |
| Lousiana | Louisiana Municipal Police Employees' Retirement System: Local police officers Hired before Jan. 1, 2013 | 12 | View Plan Details |
| Louisiana | Louisiana State Police Retirement System: State police Hired on or after Jan. 1, 2011 | 12 | View Plan Details |
| Montana | Firefighters Unified Retirement System (FURS): Local firefighters Hired on or after July 1, 1981 | 12 | View Plan Details |
| New York | New York State and Local Employees' Retirement System: General state government employees Hired on or after July 27, 1976 and before Jan. 1, 2010 (Tiers 3 & 4) | 12 | View Plan Details |
| New York | New York State and Local Employees' Retirement System: General local government employees Hired on or after July 27, 1976 and before Jan. 1, 2010 (Tiers 3 & 4) | 12 | View Plan Details |
| Pennsylvania | Commonwealth of Pennsylvania State Employees' Retirement System (SERS) - Class A-3 (State Police): State police Hired on or after July 1, 2012 (Class A-3) | 12 | View Plan Details |
| Pennsylvania | Pennsylvania Municipal Retirement System (PMRS): Police and Fire | 12 | View Plan Details |
| Virginia | Virginia Retirement System (VRS) - Plan 1: General state government employees Hired before July 1, 2010 and vested on January 1, 2013 | 12 | View Plan Details |
| Virginia | Virginia Retirement System (VRS) - Plan 1: General local government employees Hired before July 1, 2010 and vested on January 1, 2013 | 12 | View Plan Details |
| Virginia | Virginia Retirement System (VRS) - Plan 1: Teachers Hired before July 1, 2010 and vested on January 1, 2013 | 12 | View Plan Details |
| Arkansas | Arkansas Local Police and Fire Retirement System: Local Police and Fire BP2 | 13 | View Plan Details |
| Florida | Florida Retirement System Pension Plan: Regular Class: General state government employees Hired before July 1, 2011 | 13 | View Plan Details |
| Florida | Florida Retirement System Pension Plan: Regular Class: General local government employees Hired before July 1, 2011 | 13 | View Plan Details |
| Florida | Florida Retirement System Pension Plan: Regular Class: Teachers Hired before July 1, 2011 | 13 | View Plan Details |
| North Dakota | North Dakota Highway Patrolmen's Retirement System: State Police | 13 | View Plan Details |
| Texas | Law Enforcement and Custodial Officers Supplemental Retirement Fund: State law enforcement officers Hired before Sept. 1, 2009 | 13 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - State Miscellaneous Tier 1: General state government employees Hired before January 15, 2011 (CalPERS, Tier 1) | 14 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - Local Safety Members: Local police and firefighters Hired on or after January 1, 2012 | 14 | View Plan Details |
| Delaware | Delaware County and Municipal Other Employees' Pension Plan: General local government employees | 14 | View Plan Details |
| Iowa | Iowa Public Employees Retirement System (IPERS): Protection Occupations: Police and Fire | 14 | View Plan Details |
| Michigan | Public School Employees' Retirement System - Member Investment Plan (MIP) Plus: Teachers Hired after June 30, 2008 and before July 1, 2010 (MIP Plus) | 14 | View Plan Details |
| Mississippi | Mississippi Highway Safety Patrol Retirement System: State Police State Police | 14 | View Plan Details |
| Virginia | Virginia Law Officers' Retirement System (VaLORS) - Plan 1: Police and Fire Hired after June 30, 2001 and before July 1, 2010 and vested on January 1, 2013 | 14 | View Plan Details |
| Vermont | Vermont State Employees' Retirement System (Group C): State police and firefighters | 14 | View Plan Details |
| Washington | Washington State Patrol Retirement System (WSPRS) - Plan 1: State police Hired before January 1, 2003 | 14 | View Plan Details |
| Wyoming | Wyoming State Patrol, Game & Fish Warden and Criminal Investigator Pension Plan: State highway patrol | 14 | View Plan Details |
| Arkansas | Arkansas Local Police and Fire Retirement System: Local Police and Fire BP1 | 15 | View Plan Details |
| Arkansas | Arkansas Local Police and Fire Retirement System: Local Police and Fire BP2 | 15 | View Plan Details |
| Georgia | Peace Officers' Annuity and Benefit Fund of Georgia : Peace officers Hired after June 30, 2010 | 15 | View Plan Details |
| Illinois | Illinois Municipal Retirement Fund: General local government employees Hired before Jan. 1, 2011 (Tier 1) | 15 | View Plan Details |
| Louisiana | Louisiana Parochial Employees' Retirement System: Plan B: General local government employees Hired on or after Jan. 1, 2007 (PERSLA, Plan B) | 15 | View Plan Details |
| Missouri | Missouri Local Government Employees Retirement System (LAGERS): Option L6: Local government employees LAGERS (Option L6) | 15 | View Plan Details |
| North Carolina | Teachers' and State Employees' Retirement System (TSERS): Police and Fire Hired before August 1, 2011 | 15 | View Plan Details |
| North Carolina | Teachers' and State Employees' Retirement System (TSERS): Police and Fire Hired after July 31, 2011 | 15 | View Plan Details |
| North Carolina | Local Governmental Employees' Retirement System (LGERS): Police and Fire LGERS Police and Fire | 15 | View Plan Details |
| Virginia | State Police Officers' Retirement System (SPORS) - Plan 1: Police and Fire Hired before July 1, 2010 and vested on January 1, 2013 | 15 | View Plan Details |
| Virginia | Political Subdivision Employees Eligible for Enhanced Hazardous Duty Coverage (VRS) - Plan 1: Police and Fire Hired before July 1, 2010 and vested on January 1, 2013 | 15 | View Plan Details |
| Kentucky | Kentucky Employees Retirement System: Hazardous Members: State government employees in hazardous positions (except state police) Hired before Sept. 1, 200 | 16 | View Plan Details |
| Kentucky | Kentucky County Employees Retirement System: Hazardous Members: Local police and firefighters Hired before Sept. 1, 2008 | 16 | View Plan Details |
| Kentucky | Kentucky State Police Retirement System: State Police Hired before Sept. 1, 2008 | 16 | View Plan Details |
| Michigan | Municipal Employees' Retirement System (MERS): General local government employees | 16 | View Plan Details |
| Michigan | Municipal Employees' Retirement System (MERS): General local government employees | 16 | View Plan Details |
| Michigan | Municipal Employees' Retirement System (MERS): Police and Fire | 16 | View Plan Details |
| Michigan | Municipal Employees' Retirement System (MERS): Police and Fire | 16 | View Plan Details |
| New York | New York State and Local Employees' Retirement System: General state government employees Hired on or after Jan. 1, 2010 and before April 1, 2012 (Tier 5) | 16 | View Plan Details |
| New York | New York State and Local Employees' Retirement System: General local government employees Hired on or after Jan. 1, 2010 and before April 1, 2012 (Tier 5) | 16 | View Plan Details |
| Virginia | State Police Officers' Retirement System (SPORS) - Plan 2: Police and Fire Hired after June 30, 2010 | 16 | View Plan Details |
| Virginia | Virginia Law Officers' Retirement System (VaLORS) - Plan 1: Police and Fire Hired before July 1, 2001 and vested on January 1, 2013 | 16 | View Plan Details |
| Virginia | Virginia Law Officers' Retirement System (VaLORS) - Plan 2: Police and Fire Hired after June 30, 2010 (VaLORS) | 16 | View Plan Details |
| Virginia | Political Subdivision Employees Eligible for Enhanced Hazardous Duty Coverage (VRS) - Plan 2: Police and Fire Hired after June 30, 2010 (VRS) | 16 | View Plan Details |
| Washington | Washington State Patrol Retirement System (WSPRS) - Plan 2: State police Hired on or after January 1, 2003 | 16 | View Plan Details |
| Alaska | Alaska Public Employees' Retirement System: General state government employees Hired before July 1, 1986 | 17 | View Plan Details |
| Alaska | Alaska Public Employees' Retirement System: General local government employees Hired before July 1, 1986 | 17 | View Plan Details |
| Alaska | Alaska Public Employees' Retirement System: State police Hired before July 1, 1986 | 17 | View Plan Details |
| Alaska | Alaska Public Employees' Retirement System: Local police officers and firefighters Hired before July 1, 1986 | 17 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - Local Miscellaneous Members: General local government employees Hired on or after January 1, 2013 | 17 | View Plan Details |
| Connecticut | Connecticut State Employees Retirement System (SERS) - Tier III: General state government employees Hired on or after July 1, 2011 | 17 | View Plan Details |
| Georgia | Georgia Firefighters' Pension Fund: Local firefighters | 17 | View Plan Details |
| Lousiana | Louisiana Municipal Police Employees' Retirement System: Hazardous Duty Plan: Local police officers Hired on or after Jan. 1, 2013 | 17 | View Plan Details |
| Michigan | Municipal Employees' Retirement System (MERS): General local government employees | 17 | View Plan Details |
| Michigan | Municipal Employees' Retirement System (MERS): General local government employees | 17 | View Plan Details |
| Michigan | Municipal Employees' Retirement System (MERS): Police and Fire | 17 | View Plan Details |
| Michigan | Municipal Employees' Retirement System (MERS): Police and Fire | 17 | View Plan Details |
| Minnesota | Minnesota Public Employees Police and Fire Fund: Local police officers and firefighters Hired before July 1, 1989 | 17 | View Plan Details |
| Minnesota | Minnesota Public Employees Police and Fire Fund: Local police officers and firefighters Minnesota Public Employees Police and Fire Fund - Hired on or after July 1, 1989 and before July 1, 2007 | 17 | View Plan Details |
| Minnesota | Minnesota Public Employees Police and Fire Fund: Local police officers and firefighters Minnesota Public Employees Police and Fire Fund - Hired on or after July 1, 2007 and before July 1, 2010 | 17 | View Plan Details |
| Minnesota | Minnesota Public Employees Police and Fire Fund: Local police officers and firefighters Minnesota Public Employees Police and Fire Fund - Hired on or after July 1, 2010 | 17 | View Plan Details |
| Missouri | Missouri Local Government Employees Retirement System (LAGERS): Option L12: Local government employees LAGERS (Option L12) | 17 | View Plan Details |
| Oklahoma | Oklahoma Public Employees Retirement System (OPERS): General state government employees Hired before July 1, 1992 | 17 | View Plan Details |
| Oklahoma | Oklahoma Public Employees Retirement System (OPERS): General state government employees Hired after June 30, 1992 and before November 1, 2011 | 17 | View Plan Details |
| Oklahoma | Oklahoma Public Employees Retirement System (OPERS): General local government employees Hired before July 1, 1992 | 17 | View Plan Details |
| Oklahoma | Oklahoma Public Employees Retirement System (OPERS): General local government employees Hired after June 30, 1992 and before November 1, 2011 | 17 | View Plan Details |
| Virginia | Virginia Law Officers' Retirement System (VaLORS) - Plan 2: Police and Fire Hired after June 30, 2010 (VaLORS) | 17 | View Plan Details |
| Washington | Law Enforcement Officers' and Firefighters' Retirement System (LEOFF) - Plan 2: Local police officers and firefighters Hired after September 30, 1977 | 17 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - State Miscellaneous Members Tier 1: General state government employees Hired on or after January 15, 2011 and before January 1, 2013 (CalPERS, Tier 1) | 18 | View Plan Details |
| Hawaii | Employees' Retirement System of the State of Hawaii (ERS) - Contributory Plan for General Employees: General state government employees Hired before July 1, 1984 | 18 | View Plan Details |
| Hawaii | Employees' Retirement System of the State of Hawaii (ERS) - Contributory Plan for General Employees: General local government employees Hired before July 1, 1984 | 18 | View Plan Details |
| Hawaii | Employees' Retirement System of the State of Hawaii (ERS) - Contributory Plan for General Employees: Teachers Hired before July 1, 1984 | 18 | View Plan Details |
| Illinois | State Employees' Reirement System of Illinois: General state government employees Hired before Jan. 1, 2011 (Tier 1) | 18 | View Plan Details |
| Illinois | Illinois Municipal Retirement Fund: Sheriff's Law Enforcement Personnel Plan: Local sheriffs and deputies Hired on or after Jan. 1, 2011 (IMRF) (Tier 2) | 18 | View Plan Details |
| Louisiana | Louisiana Firefighters Retirement System: Local firefighters | 18 | View Plan Details |
| Montana | Firefighters Unified Retirement System (FURS): Local firefighters Hired before July 1, 1981 | 18 | View Plan Details |
| New York | New York State Teachers' Retirement System: Teachers Hired on or after Jan. 1, 2010 and before April 1, 2012 (Tier 5) | 18 | View Plan Details |
| Pennsylvania | Commonwealth of Pennsylvania State Employees' Retirement System (SERS) - Class A: General state government employees Hired before July 1, 2001 | 18 | View Plan Details |
| Pennsylvania | Commonwealth of Pennsylvania State Employees' Retirement System (SERS) - Class AA: General state government employees Hired on or after July 1, 2001 and before January 1, 2011 | 18 | View Plan Details |
| Pennsylvania | Commonwealth of Pennsylvania State Employees' Retirement System (SERS) - Class A-4 (State Police) (Optional): Police and Fire Hired after June 30, 2012 (Class A-4) | 18 | View Plan Details |
| South Carolina | South Carolina Police Officers Retirement System: State and local police officers and firefighters Hired before July 1, 2012 (Class 2) | 18 | View Plan Details |
| South Carolina | South Carolina Police Officers Retirement System: State and local police officers and firefighters Hired on or after July 1, 2012 (Class 3) | 18 | View Plan Details |
| Wyoming | Wyoming Public Employee Pension Plan: General state government employees Hired before Sept. 1, 2012 | 18 | View Plan Details |
| Wyoming | Wyoming Public Employee Pension Plan: General local government employees Hired before Sept. 1, 2012 | 18 | View Plan Details |
| Kansas | Kansas Public Employees Retirement System: Kansas Police and Fireman's Retirement System Tier 2: State and local police officers and firefighters Hired on or after July 1, 1989 | 19 | View Plan Details |
| Michigan | Michigan State Police Retirement System - Pension Plus Plan (PPP): Police and Fire Hired after June 9, 2012 | 19 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: State and local police Hired before Jan. 1, 2002 (Police) | 19 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: State and local firefighters Hired before Jan. 1, 2002 (Fire) | 19 | View Plan Details |
| Vermont | Vermont Municipal Employees' Retirement System (Group C): Local police and firefighters | 19 | View Plan Details |
| Wisonsin | Wisconsin Retirement System (WRS): General state government employees Retired before January 1, 2000 | 19 | View Plan Details |
| Wisonsin | Wisconsin Retirement System (WRS): General state government employees 20 YOS on January 1, 2000 | 19 | View Plan Details |
| Wisonsin | Wisconsin Retirement System (WRS): Teachers Retired before January 1, 2000 | 19 | View Plan Details |
| Wisonsin | Wisconsin Retirement System (WRS): Teachers 20 YOS on January 1, 2000 | 19 | View Plan Details |
| Wisonsin | Wisconsin Retirement System (WRS): General local government employees Retired before January 1, 2000 | 19 | View Plan Details |
| Wisonsin | Wisconsin Retirement System (WRS): General local government employees 20 YOS on January 1, 2000 | 19 | View Plan Details |
| Wyoming | Wyoming Public Employee Pension Plan: Teachers Hired before Sept. 1, 2012 | 19 | View Plan Details |
| Wyoming | Wyoming Law Enforcement Pension Plan: County sheriffs and deputies, municipal police officers | 19 | View Plan Details |
| Alaska | Alaska Teachers Retirement System: Teachers Hired on or after July 1, 1990 and before July 1, 2006 | 20 | View Plan Details |
| Alaska | Alaska Public Employees' Retirement System: State police Hired on or after July 1, 1986 and before July 1, 1996 | 20 | View Plan Details |
| Alaska | Alaska Public Employees' Retirement System: State police Hired on or after July 1, 1996 and before July 1, 2006 | 20 | View Plan Details |
| Alaska | Alaska Public Employees' Retirement System: Local police officers and firefighters Hired on or after July 1, 1986 and before July 1, 1996 | 20 | View Plan Details |
| Alaska | Alaska Public Employees' Retirement System: Local police officers and firefighters Hired on or after July 1, 1996 and before July 1, 2006 | 20 | View Plan Details |
| Alabama | Employees' Retirement System (ERS) - Tier 2 (State Police): State police Hired on or after January 1, 2013 | 20 | View Plan Details |
| Arkansas | Arkansas Teacher Retirement System: Teachers | 20 | View Plan Details |
| Arizona | Arizona Public Safety Personnel Retirement System: State and local police officers and firefighters Hired before Jan. 1, 2012 | 20 | View Plan Details |
| Colorado | Public Employees' Retirement Association (PERA): General state government employees Hired before July 1, 2005; vested on January 1, 2011 | 20 | View Plan Details |
| Colorado | Public Employees' Retirement Association (PERA): General state government employees Hired after June 30, 2005 and before January 1, 2007; vested on January 1, 2011 | 20 | View Plan Details |
| Colorado | Public Employees' Retirement Association (PERA) - State Troopers: Police and Fire Eligible for a benefit on January 1, 2011 | 20 | View Plan Details |
| Colorado | Public Employees' Retirement Association (PERA) - State Troopers: Police and Fire Not eligible for a benefit on January 1, 2011 | 20 | View Plan Details |
| Colorado | Public Employees' Retirement Association (PERA): General local government employees Hired before July 1, 2005; vested on January 1, 2011 | 20 | View Plan Details |
| Colorado | Public Employees' Retirement Association (PERA): General local government employees Hired after June 30, 2005 and before January 1, 2007; vested on January 1, 2011 | 20 | View Plan Details |
| Colorado | Public Employees' Retirement Association (PERA): Teachers Hired before July 1, 2005; vested on January 1, 2011 | 20 | View Plan Details |
| Colorado | Public Employees' Retirement Association (PERA): Teachers Hired after June 30, 2005 and before January 1, 2007; vested on January 1, 2011 | 20 | View Plan Details |
| Connecticut | Connecticut State Employees Retirement System (SERS) - Tier II Hazardous Duty: State Police Hired after July 1, 1984 and before July 1, 1997 | 20 | View Plan Details |
| Connecticut | Connecticut State Employees Retirement System (SERS) - Tier IIA Hazardous Duty: State Police Hired on or after July 1, 1997 and before July 1, 2011 | 20 | View Plan Details |
| Connecticut | Connecticut State Employees Retirement System (SERS) - Tier III Hazardous Duty: State Police Hired on or after July 1, 2011 | 20 | View Plan Details |
| District of Columbia | District of Columbia Police Officers' and Firefighters' Retirement Plan: Local police officers and firefighters Hired before Feb. 15, 1980 (Tier 1) | 20 | View Plan Details |
| Delaware | Delaware New State Police Pension Plan: State police Hired on or after July 1, 1980 | 20 | View Plan Details |
| Delaware | Delaware County and Municipal Police & Firefighters' Pension Plan: Local police and firefighters | 20 | View Plan Details |
| Iowa | Iowa Public Employees Retirement System (IPERS): Sheriffs and Deputies: Police and Fire | 20 | View Plan Details |
| Illinois | State Employees' Reirement System of Illinois: State police and firefighters Hired before Jan. 1, 2011 (SRS) (Tier 1) | 20 | View Plan Details |
| Illinois | Illinois Municipal Retirement Fund: Sheriff's Law Enforcement Personnel Plan: Local sheriffs and deputies Hired before Jan. 1, 2011 (IMRF) (Tier 1) | 20 | View Plan Details |
| Indiana | Indiana 1977 Police Officers' and Firefighters' Pension and Disabiilty Fund: Local Police and Firefighters | 20 | View Plan Details |
| Kansas | Kansas Public Employees Retirement System: State Tier 1: General state government employees Hired before July 1, 2009 | 20 | View Plan Details |
| Kansas | Kansas Public Employees Retirement System: School Tier 1: Teachers Hired before July 1, 2009 | 20 | View Plan Details |
| Kansas | Kansas Public Employees Retirement System: Local Tier 1: General local government employees Hired before July 1, 2009 | 20 | View Plan Details |
| Kansas | Kansas Public Employees Retirement System: Kansas Police and Fireman's Retirement System Tier 1: State and local police officers and firefighters Hired before July 1, 1989 | 20 | View Plan Details |
| Louisiana | Teachers' Retirement System of Louisiana: Teachers Hired before July 1, 1999 | 20 | View Plan Details |
| Louisiana | Teachers' Retirement System of Louisiana: Teachers Hired on or after Jan. 1, 2011 | 20 | View Plan Details |
| Massachusetts | Massachusetts Public Employee Retirement System: State Police State Police - Hired on or after July 1, 1996 and before April 1, 2012 | 20 | View Plan Details |
| Massachusetts | Massachusetts Public Employee Retirement System: State Police State Police - Hired on or after April 1, 2012 | 20 | View Plan Details |
| Maine | Maine Public Employees Retirement System: State and Teacher's Retirement Program: State Police Hired before Sept. 16, 1984 | 20 | View Plan Details |
| Missouri | Missouri Local Government Employees Retirement System (LAGERS): Option L7: Local government employees LAGERS (Option L7) | 20 | View Plan Details |
| Montana | Montana Highway Patrol Officer's Retirement System (HPORS): Highway patrol officers Hired before July 1, 1997 | 20 | View Plan Details |
| Montana | Montana Highway Patrol Officer's Retirement System (HPORS): Highway patrol officers Hired after June 30, 1997 | 20 | View Plan Details |
| North Carolina | Teachers' and State Employees' Retirement System (TSERS): Teachers Hired before August 1, 2011 | 20 | View Plan Details |
| North Carolina | Teachers' and State Employees' Retirement System (TSERS): Teachers Hired after July 31, 2011 | 20 | View Plan Details |
| North Carolina | Teachers' and State Employees' Retirement System (TSERS): General state government employees Hired before August 1, 2011 | 20 | View Plan Details |
| North Carolina | Teachers' and State Employees' Retirement System (TSERS): General state government employees Hired after July 31, 2011 | 20 | View Plan Details |
| North Carolina | Local Governmental Employees' Retirement System (LGERS): General local government employees LGERS General local government employees | 20 | View Plan Details |
| North Carolina | Firemen's and Rescue Squad Workers' Pension Fund: Police and Fire Firemen's and Rescue Squad Workers' Pension Fund | 20 | View Plan Details |
| New Jersey | New Jersey Police and Firemen's Retirement System (PFRS): Local police officers and firefighters Hired on or before Jan. 18, 2000 (Tier 1) | 20 | View Plan Details |
| New Jersey | New Jersey State Police Retirement System: State Police Hired on or before Aug. 29, 1985 (Tier 1, State Police) | 20 | View Plan Details |
| New Jersey | New Jersey State Police Retirement System: State Police Hired after Aug. 29,1985 and on or before May 21, 2010 (Tier 1, State Police) | 20 | View Plan Details |
| New Jersey | New Jersey State Police Retirement System: State Police Hired after May 21, 2010 (Tier 2, State Police) | 20 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: Local police officers Municipal Police Plan 5: Hired before July 1, 2010 | 20 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: Local police officers Municipal Police Plan 5, Tier 1: Hired on or after July 1, 2010 and before July 1, 2013 | 20 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: Local firefighters Municipal Fire Plan 5, Tier 1: Hired before July 1, 2010 | 20 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: Local firefighters Municipal Fire Plan 5, Tier 1: Hired on or after July 1, 2010 and before July 1, 2013 | 20 | View Plan Details |
| Nevada | Nevada Public Employees' Retirement System: General state government employees Hired on or after July 1, 2001 and before Jan. 1, 2010 | 20 | View Plan Details |
| Nevada | Nevada Public Employees' Retirement System: General local government employees Hired on or after July 1, 2001 and before Jan. 1, 2010 | 20 | View Plan Details |
| Nevada | Nevada Public Employees' Retirement System: State and local police and firefighters Hired on or after July 1, 2001 and before Jan. 1, 2010 | 20 | View Plan Details |
| New York | New York State and Local Police and Fire Retirement System: State police Hired on or after April 1, 2012 (Tier 6) | 20 | View Plan Details |
| Oklahoma | Law Enforcement Retirement System: State police | 20 | View Plan Details |
| Oklahoma | Police Pension and Retirement Systems: Local police Police Pension and Retirement Systems | 20 | View Plan Details |
| Oklahoma | Firefighters Pension and Retirement System: Local firefighters Firefighters Pension and Retirement System | 20 | View Plan Details |
| Rhode Island | Municipal Employees' Retirement System (MERS): Police and Fire Retired before July 1, 2012 (MERS) | 20 | View Plan Details |
| Rhode Island | State Police Retirement Benefits Trust (SPRBT): Police and Fire Retired before July 1, 2012 (SPRBT) | 20 | View Plan Details |
| Texas | Employees Retirement System of Texas: General state government employees Hired before Sept. 1, 2009 | 20 | View Plan Details |
| Texas | Law Enforcement and Custodial Officers Supplemental Retirement Fund: State law enforcement officers Hired on or after Sept. 1, 2009 | 20 | View Plan Details |
| Texas | Teacher Retirement System of Texas: Teachers Tier 1: hired on or before Sept. 1, 1980, or hired on or before Sept. 1, 2005 and at least age 50 at that time or age + YOS = 70 that year | 20 | View Plan Details |
| Utah | Tier 1 Firefighters - Division A: Police and Fire Hired before July 1, 2011 (Fire - Division A) | 20 | View Plan Details |
| Utah | Tier 1 Firefighters - Division B: Police and Fire Hired before July 1, 2011 (Fire - Division B) | 20 | View Plan Details |
| Utah | Tier 1 Public Safety: Contributory - Division A: Police and Fire Hired before July 1, 1989 (Public Safety: Contributory - Division A) | 20 | View Plan Details |
| Utah | Tier 1 Public Safety: Contributory - Division B: Police and Fire Hired before July 1, 1989 (Public Safety: Contributory - Division B) | 20 | View Plan Details |
| West Virginia | Plan A: State Police Death, Disability, and Retirement Fund (PSDDRS): Police and Fire Hired before March 12, 1994 | 20 | View Plan Details |
| West Virginia | Municipal Police Officers & Firefighters Retirement System (MPFRS): Police and Fire | 20 | View Plan Details |
| West Virginia | Deputy Sheriffs' (DSRS): Police and Fire | 20 | View Plan Details |
| Hawaii | Employees' Retirement System of the State of Hawaii (ERS) - Contributory Plan for Police Officers, Firefighters, and certain Public Safety Officers: Police and Fire Hired before July 1, 2012 | 21 | View Plan Details |
| Idaho | Public Employee Retirement System of Idaho (PERSI): State and local police and firefighters | 21 | View Plan Details |
| Louisiana | Louisiana Municipal Employees' Retirement System, Plan B: General local government employees Hired before July 1, 2006 (MERSLA, Plan B) | 21 | View Plan Details |
| Louisiana | Louisiana Municipal Employees' Retirement System, Plan B: General local government employees Hired on or after July 1, 2006 and before Jan. 1, 2013 (MERSLA, Plan B) | 21 | View Plan Details |
| Montana | Montana Teacher's Retirement System (TRS): Teachers | 21 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: State and local police Hired on or after Jan. 1, 2002 and before Jan. 1, 2004 (Police) | 21 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: State and local police Hired on or after Jan. 1, 2004 and before Jan. 1, 2006 (Police) | 21 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: State and local firefighters Hired on or after Jan. 1, 2002 and before Jan. 1, 2004 (Fire) | 21 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: State and local firefighters Hired on or after Jan. 1, 2004 and before Jan. 1, 2006 (Fire) | 21 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: State police State Police and Adult Correctional Officers Plan 1: Hired before July 1, 2010 | 21 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: State police State Police and Adult Correctional Officers Plan 1, Tier 1: Hired on or after July 1, 2010 and bfore July 1, 2013 | 21 | View Plan Details |
| Nevada | Nevada Public Employees' Retirement System: Teachers Hired on or after July 1, 2001 and before Jan. 1, 2010 | 21 | View Plan Details |
| South Dakota | South Dakota Retirement System (Class A): General state government employees Retired before July 1, 2008 | 21 | View Plan Details |
| South Dakota | South Dakota Retirement System (Class A): Teachers Retired before July 1, 2008 | 21 | View Plan Details |
| South Dakota | South Dakota Retirement System (Class A): General local government employees Retired before July 1, 2008 | 21 | View Plan Details |
| Texas | Employees Retirement System of Texas: General state government employees Hired on or after Sept. 1, 2009 | 21 | View Plan Details |
| Texas | Teacher Retirement System of Texas: Teachers Tier 2: hired after Sept. 1, 1980 and on or before Sept. 1, 2007, and not in Tier 1 | 21 | View Plan Details |
| Texas | Teacher Retirement System of Texas: Teachers Tier 3: hired after Sept. 1, 2007 | 21 | View Plan Details |
| Vermont | Vermont Municipal Employees' Retirement System (Group A): Local police and firefighters | 21 | View Plan Details |
| Wisonsin | Wisconsin Retirement System (WRS): General state government employees Hired after June 30, 2011 | 21 | View Plan Details |
| Wisonsin | Wisconsin Retirement System (WRS): Teachers Hired after June 30, 2011 | 21 | View Plan Details |
| Wisonsin | Wisconsin Retirement System (WRS): General local government employees Hired after June 30, 2011 | 21 | View Plan Details |
| West Virginia | Public Employees Retirement System (PERS): General state government employees | 21 | View Plan Details |
| Colorado | Public Employees' Retirement Association (PERA): General state government employees Hired after December 31, 2006 and before January 1, 2011 | 22 | View Plan Details |
| Colorado | Public Employees' Retirement Association (PERA): General local government employees Hired after December 31, 2006 and before January 1, 2011 | 22 | View Plan Details |
| Colorado | Public Employees' Retirement Association (PERA): Teachers Hired after December 31, 2006 and before January 1, 2011 | 22 | View Plan Details |
| Georgia | Teachers Retirement System of Georgia (TRS): Teachers | 22 | View Plan Details |
| Iowa | Muncipal Fire & Police Retirement System of Iowa (MFPRSI): Police and Fire | 22 | View Plan Details |
| Minnesota | Minnesota Teachers Retirement Association: Teachers Hired on or before June 30, 1989 | 22 | View Plan Details |
| Montana | Public Employee's Retirement System (PERS): General state government employees Hired before July 1, 2011 | 22 | View Plan Details |
| Montana | Public Employee's Retirement System (PERS): General local government employees Hired before July 1, 2011 | 22 | View Plan Details |
| Nebraska | Nebraska State Patrol Retirement System: Officers of the State Patrol | 22 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: State and local police Hired on or after Jan. 1, 2006 and before Jan. 1, 2008 (Police) | 22 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: State and local firefighters Hired on or after Jan. 1, 2006 and before Jan. 1, 2008 (Fire) | 22 | View Plan Details |
| New Jersey | New Jersey Police and Firemen's Retirement System (PFRS): Local police officers and firefighters Hired after Jan. 18, 2000 and on or before May 21, 2010 (Tier 1) | 22 | View Plan Details |
| New Mexico | New Mexico Educational Retirement Board: Teachers Hired before July 1, 2010 | 22 | View Plan Details |
| Nevada | Nevada Public Employees' Retirement System: State and local police and firefighters Hired on or after Jan. 1, 2010 | 22 | View Plan Details |
| Rhode Island | Municipal Employees' Retirement System (MERS): General local government employees Retired before July 1, 2012 | 22 | View Plan Details |
| South Dakota | South Dakota Retirement System (Class A): General state government employees Hired on or after July 1, 2008 | 22 | View Plan Details |
| South Dakota | South Dakota Retirement System (Class A): Teachers Hired on or after July 1, 2008 | 22 | View Plan Details |
| South Dakota | South Dakota Retirement System (Class A): General local government employees Hired on or after July 1, 2008 | 22 | View Plan Details |
| Vermont | Vermont Municipal Employees' Retirement System (Group A): General local government employees | 22 | View Plan Details |
| Vermont | Vermont Municipal Employees' Retirement System (Group B): Local police and firefighters | 22 | View Plan Details |
| Wyoming | Wyoming Public Employee Pension Plan: Teachers Hired on or after Sept. 1, 2012 | 22 | View Plan Details |
| Wyoming | Wyoming Public Employee Pension Plan: General state government employees Hired on or after Sept. 1, 2012 | 22 | View Plan Details |
| Wyoming | Wyoming Public Employee Pension Plan: General local government employees Hired on or after Sept. 1, 2012 | 22 | View Plan Details |
| Alaska | Alaska Public Employees' Retirement System: General state government employees Hired on or after July 1, 1986 and before July 1, 1996 | 23 | View Plan Details |
| Alaska | Alaska Public Employees' Retirement System: General local government employees Hired on or after July 1, 1986 and before July 1, 1996 | 23 | View Plan Details |
| Alabama | Employees' Retirement System (ERS) - Tier 1: Local police and fire Hired before January 1, 2013 | 23 | View Plan Details |
| Arizona | Arizona State Retirement System: General state government employees Hired before Jan. 1, 1984 | 23 | View Plan Details |
| Arizona | Arizona State Retirement System: General state government employees Hired on or after Jan. 1, 1984 and before July 1, 2011 | 23 | View Plan Details |
| Arizona | Arizona State Retirement System: General local government employees Hired before Jan. 1, 1984 | 23 | View Plan Details |
| Arizona | Arizona State Retirement System: General local government employees Hired on or after Jan. 1, 1984 and before July 1, 2011 | 23 | View Plan Details |
| Arizona | Arizona State Retirement System: Teachers Hired before Jan. 1, 1984 | 23 | View Plan Details |
| Arizona | Arizona State Retirement System: Teachers Hired on or after Jan. 1, 1984 and before July 1, 2011 | 23 | View Plan Details |
| California | California Public Employees' Retirement System (CalPERS) - State Miscellaneous Members Tier 1: General state government employees Hired on or after January 1, 2013 (CalPERS, Tier 1) | 23 | View Plan Details |
| Colorado | Public Employees' Retirement Association (PERA): General state government employees Hired after December 31, 2010 | 23 | View Plan Details |
| Colorado | Public Employees' Retirement Association (PERA): General local government employees Hired after December 31, 2010 | 23 | View Plan Details |
| Colorado | Public Employees' Retirement Association (PERA): Teachers Hired after December 31, 2010 | 23 | View Plan Details |
| Florida | Florida Retirement System Pension Plan: Regular Class: General state government employees Hired on or after July 1, 2011 | 23 | View Plan Details |
| Florida | Florida Retirement System Pension Plan: Regular Class: General local government employees Hired on or after July 1, 2011 | 23 | View Plan Details |
| Iowa | Iowa Public Employees Retirement System (IPERS): General state government employees Retired before July 1, 2012 | 23 | View Plan Details |
| Iowa | Iowa Public Employees Retirement System (IPERS): General local government employees Retired before July 1, 2012 | 23 | View Plan Details |
| Iowa | Iowa Public Employees Retirement System (IPERS): Teachers Retired before July 1, 2012 | 23 | View Plan Details |
| Idaho | Public Employee Retirement System of Idaho (PERSI): General state government employees | 23 | View Plan Details |
| Idaho | Public Employee Retirement System of Idaho (PERSI): General local government employees | 23 | View Plan Details |
| Idaho | Public Employee Retirement System of Idaho (PERSI): Teachers | 23 | View Plan Details |
| Louisiana | Louisiana Parochial Employees' Retirement System: Plan A: General local government employees Hired before Jan. 1, 2007 (PERSLA, Plan A) | 23 | View Plan Details |
| North Dakota | North Dakota Public Employees Retirement System: General state government employees | 23 | View Plan Details |
| North Dakota | North Dakota Public Employees Retirement System: General local government employees | 23 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: State and local police Hired on or after Jan. 1, 2008 and before July 1, 2009 (Police) | 23 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: State and local police Hired on or after July 1, 2009 and before July 1, 2011 (Police) | 23 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: State and local firefighters Hired on or after Jan. 1, 2008 and before July 1, 2009 (Fire) | 23 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: State and local firefighters Hired on or after July 1, 2009 and before July 1, 2011 (Fire) | 23 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: General state government employees State Plan 3, Tier 1: hired on or after July 1, 2010 and bfore July 1, 2013 | 23 | View Plan Details |
| Pennsylvania | Pennsylvania Public School Employees' Retirement System (PSERS) - Class T-C: Teachers Hired before July 1, 2001 | 23 | View Plan Details |
| Pennsylvania | Pennsylvania Public School Employees' Retirement System (PSERS) - Class T-D: Teachers Hired after June 30, 2001 and before July 1, 2011 | 23 | View Plan Details |
| Vermont | Vermont Municipal Employees' Retirement System (Group B): General local government employees | 23 | View Plan Details |
| Vermont | Vermont Municipal Employees' Retirement System (Group D): Local police and firefighters | 23 | View Plan Details |
| Alaska | Alaska Public Employees' Retirement System: General state government employees Hired on or after July 1, 1996 and before July 1, 2006 | 24 | View Plan Details |
| Alaska | Alaska Public Employees' Retirement System: General local government employees Hired on or after July 1, 1996 and before July 1, 2006 | 24 | View Plan Details |
| California | California State Teachers' Retirement System (CalSTRS): Teachers Hired before January 1, 2012 | 24 | View Plan Details |
| Florida | Florida Retirement System Pension Plan: Regular Class: Teachers Hired on or after July 1, 2011 | 24 | View Plan Details |
| Louisiana | Louisiana Municipal Employees' Retirement System, Plan A: General local government employees Hired before July 1, 2006 (MERSLA, Plan A) | 24 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: State and local police Hired on or after July 1, 2011 (Police) | 24 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: State and local firefighters Hired on or after July 1, 2011 (Fire) | 24 | View Plan Details |
| New Mexico | New Mexico Educational Retirement Board: Teachers Hired on or after July 1, 2010 and before July 1 , 2013 | 24 | View Plan Details |
| Oklahoma | Oklahoma Public Employees Retirement System (OPERS): General state government employees Hired after October 31, 2011 | 24 | View Plan Details |
| Oklahoma | Oklahoma Public Employees Retirement System (OPERS): General local government employees Hired after October 31, 2011 | 24 | View Plan Details |
| Tennessee | Tennessee Consolidated Retirement System: Teachers Hired on or after July 1, 1976 | 24 | View Plan Details |
| Vermont | State Teachers' Retirement System of Vermont: Teachers Hired before July 1, 1981 | 24 | View Plan Details |
| West Virginia | Public Employees Retirement System (PERS): General local government employees | 24 | View Plan Details |
| Alabama | Teachers' Retirement System (TRS) - Tier 1: Teachers Hired before January 1, 2013 | 25 | View Plan Details |
| Alabama | Employees' Retirement System (ERS) - Tier 1: General state government employees Hired before January 1, 2013 | 25 | View Plan Details |
| Alabama | Employees' Retirement System (ERS) - Tier 1: General local government employees Hired before January 1, 2013 | 25 | View Plan Details |
| Arkansas | Arkansas Public Employees Retirement Plan: General state government employees Hired on or after July 1, 2005 | 25 | View Plan Details |
| Arkansas | Arkansas Public Employees Retirement Plan: General local government employees Hired on or after July 1, 2005 | 25 | View Plan Details |
| Arkansas | Arkansas Public Employees Retirement Plan: Certain state and local public safety workers Hired on or after July 1, 2005 | 25 | View Plan Details |
| Colorado | Fire & Police Pension Association of Colorado: Police and Fire | 25 | View Plan Details |
| Connecticut | Teachers' Retirement Board: Teachers All | 25 | View Plan Details |
| District of Columbia | District of Columbia Police Officers' and Firefighters' Retirement Plan: Local police officers and firefighters Hired or or after Feb. 15, 1980 and before Nov. 10, 1996 (Tier 2) | 25 | View Plan Details |
| District of Columbia | District of Columbia Police Officers' and Firefighters' Retirement Plan: Local police officers and firefighters Hired on or after Nov. 10, 1996 (Tier 3) | 25 | View Plan Details |
| District of Columbia | Civil Service Retirement System (CSRS): General local government employees Hired before Oct. 1, 1987 | 25 | View Plan Details |
| Delaware | Delaware State Employees' Pension Plan: General state government employees Hired on or after Jan. 1, 2012 | 25 | View Plan Details |
| Delaware | Delaware State Employees' Pension Plan: Teachers Hired on or after Jan. 1, 2012 | 25 | View Plan Details |
| Hawaii | Employees' Retirement System of the State of Hawaii (ERS) - Hybrid Plan: General state government employees Hired on or after July 1, 2006 and before July 1, 2012 | 25 | View Plan Details |
| Hawaii | Employees' Retirement System of the State of Hawaii (ERS) - Hybrid Plan: General local government employees Hired on or after July 1, 2006 and before July 1, 2012 | 25 | View Plan Details |
| Hawaii | Employees' Retirement System of the State of Hawaii (ERS) - Hybrid Plan: Teachers Hired on or after July 1, 2006 and before July 1, 2012 | 25 | View Plan Details |
| Kentucky | Kentucky Employees Retirement System: Hazardous Members: State government employees in hazardous positions (except state police) Hired on or after Sept. 1, 2008 | 25 | View Plan Details |
| Kentucky | Kentucky County Employees Retirement System: Non-Hazardous Members: General county government employees Hired before Aug. 1, 2004 | 25 | View Plan Details |
| Kentucky | Kentucky County Employees Retirement System: Hazardous Members: Local police and firefighters Hired on or after Sept. 1, 2008 and before Jan. 1, 2014 | 25 | View Plan Details |
| Kentucky | Kentucky State Police Retirement System: State Police Hired on or after Sept. 1, 2008 and before Jan. 1, 2014 | 25 | View Plan Details |
| Louisiana | Louisiana State Employees' Retirement System: General state government employees Hired before July 1, 2006 | 25 | View Plan Details |
| Louisiana | Louisiana Municipal Employees' Retirement System, Plan A: General local government employees Hired on or after July 1, 2006 and before Jan. 1, 2013 (MERSLA, Plan A) | 25 | View Plan Details |
| Maine | Maine Public Employees Retirement System: State and Teacher's Retirement Program: Teachers Hired before July 1, 1983 | 25 | View Plan Details |
| Maine | Maine Public Employees Retirement System: State and Teacher's Retirement Program: General state government employees Hired before July 1, 1983 | 25 | View Plan Details |
| Maine | Maine Public Employees Retirement System: Participating Local District Retirement Program: General local government employees Plan AC (chosen by local government), hired on or after Oct. 1, 1994 | 25 | View Plan Details |
| Maine | Maine Public Employees Retirement System: Participating Local District Retirement Program: General local government employees Plan AN (chosen by local government), hired on or after Oct. 1, 1994 | 25 | View Plan Details |
| Maine | Maine Public Employees Retirement System: Participating Local District Retirement Program: General local government employees Plan BC (chosen by local government), hired on or after Oct. 1, 1994 | 25 | View Plan Details |
| Maine | Maine Public Employees Retirement System: Participating Local District Retirement Program: Local police officers and firefighters Plan #2C (chosen by local government) | 25 | View Plan Details |
| Maine | Maine Public Employees Retirement System: Participating Local District Retirement Program: Local police officers and firefighters Plan #3 (chosen by local government) | 25 | View Plan Details |
| Maine | Maine Public Employees Retirement System: State and Teacher's Retirement Program: State Police Hired on or after Sept. 16, 1984 | 25 | View Plan Details |
| Michigan | Michigan State Police Retirement System: Police and Fire Hired before June 10, 2012 | 25 | View Plan Details |
| Mississippi | Mississippi Public Employees' Retirement System: General state government employees Hired before July 1, 2007 | 25 | View Plan Details |
| Mississippi | Mississippi Public Employees' Retirement System: General state government employees Hired on or after July 1, 2007 but before July 1, 2011 | 25 | View Plan Details |
| Mississippi | Mississippi Public Employees' Retirement System: General local government employees Hired before July 1, 2007 | 25 | View Plan Details |
| Mississippi | Mississippi Public Employees' Retirement System: General local government employees Hired on or after July 1, 2007 but before July 1, 2011 | 25 | View Plan Details |
| Mississippi | Mississippi Public Employees' Retirement System: Teachers Hired before July 1, 2007 | 25 | View Plan Details |
| Mississippi | Mississippi Public Employees' Retirement System: Teachers Hired on or after July 1, 2007 but before July 1, 2011 | 25 | View Plan Details |
| Mississippi | Mississippi Public Employees' Retirement System: Local police officer and firefighters Hired before July 1, 2007 | 25 | View Plan Details |
| Mississippi | Mississippi Public Employees' Retirement System: Local police officer and firefighters Hired on or after July 1, 2007 but before July 1, 2011 | 25 | View Plan Details |
| New Jersey | New Jersey Teachers' Pension and Annuity Fund: Teachers Hired before July 1, 2007 (Tier 1) | 25 | View Plan Details |
| New Jersey | New Jersey Teachers' Pension and Annuity Fund: Teachers Hired on or after July 1, 2007 and before Nov. 2, 2008 (Tier 2) | 25 | View Plan Details |
| New Jersey | New Jersey Teachers' Pension and Annuity Fund: Teachers Hired on or after Nov. 2, 2008 and before May 22, 2010 (Tier 3) | 25 | View Plan Details |
| New Jersey | New Jersey Teachers' Pension and Annuity Fund: Teachers Hired on or after May 22, 2010 and before June 28, 2011 (Tier 4) | 25 | View Plan Details |
| New Jersey | New Jersey Public Employees' Retirement System (PERS): General state government employees Hired before July 1, 2007 (Tier 1) | 25 | View Plan Details |
| New Jersey | New Jersey Public Employees' Retirement System (PERS): General state government employees Hired on or after July 1, 2007 and before Nov. 2, 2008 (Tier 2) | 25 | View Plan Details |
| New Jersey | New Jersey Public Employees' Retirement System (PERS): General state government employees Hired on or after Nov. 2, 2008 and before May 22, 2010 (Tier 3) | 25 | View Plan Details |
| New Jersey | New Jersey Public Employees' Retirement System (PERS): General state government employees Hired on or after May 22, 2010 and before June 28, 2011 (Tier 4) | 25 | View Plan Details |
| New Jersey | New Jersey Public Employees' Retirement System (PERS): General local government employees Hired before July 1, 2007 (Tier 1) | 25 | View Plan Details |
| New Jersey | New Jersey Public Employees' Retirement System (PERS): General local government employees Hired on or after July 1, 2007 and before Nov. 2, 2008 (Tier 2) | 25 | View Plan Details |
| New Jersey | New Jersey Public Employees' Retirement System (PERS): General local government employees Hired on or after Nov. 2, 2008 and before May 22, 2010 (Tier 3) | 25 | View Plan Details |
| New Jersey | New Jersey Public Employees' Retirement System (PERS): General local government employees Hired on or after May 22, 2010 and before June 28, 2011 (Tier 4) | 25 | View Plan Details |
| New Jersey | New Jersey Police and Firemen's Retirement System (PFRS): Local police officers and firefighters Hired after May 21, 2010 and on or before June 28, 2011 (Tier 2) | 25 | View Plan Details |
| New Jersey | New Jersey Police and Firemen's Retirement System (PFRS): Local police officers and firefighters Hired after June 28, 2011 (Tier 3) | 25 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: General state government employees State Plan 3: Hired before July 1, 2010 | 25 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: General local government employees Municipal Plan 1: Hired before July 1, 2010 | 25 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: General local government employees Municipal Plan 1, Tier 1: hired on or after July 1, 2010 and bfore July 1, 2013 | 25 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: General local government employees Municipal Plan 2: Hired before July 1, 2010 | 25 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: General local government employees Municipal Plan 2, Tier 1: Hired on or after July 1, 2010 and bfore July 1, 2013 | 25 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: State police State Police and Adult Correctional Officers Plan 1, Tier 2: Hired on or after July 1, 2013 | 25 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: Local police officers Municipal Police Plan 5, Tier 2: Hired on or after July 1, 2013 | 25 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: Local firefighters Municipal Fire Plan 5, Tier 2: Hired on or after July 1, 2013 | 25 | View Plan Details |
| Ohio | Ohio Public Employees Retirement System: State and Local Law Enforcement OPERS - Retired by Jan. 7, 2013 | 25 | View Plan Details |
| Ohio | Ohio Public Employees Retirement System: State and Local Law Enforcement OPERS - Eligible to retire by Jan. 7, 2018 | 25 | View Plan Details |
| Ohio | Ohio Public Employees Retirement System: State and Local Law Enforcement OPERS - Eligible to retire between Jan. 7, 2018 and Jan. 7, 2023, or completed 20 years of service by Jan. 7, 2013 | 25 | View Plan Details |
| Ohio | Ohio Police & Fire Pension Fund: Local police and fire Ohio Police and Fire Pension Fund - Hired on or before July 1, 2013 | 25 | View Plan Details |
| Ohio | Ohio Police & Fire Pension Fund: Local police and fire Ohio Police and Fire Pension Fund - Hired after July 1, 2013 | 25 | View Plan Details |
| Pennsylvania | Pennsylvania Public School Employees' Retirement System (PSERS) - Class T-E: Teachers Hired on or after July 1, 2011, Class T-E | 25 | View Plan Details |
| Pennsylvania | Pennsylvania Public School Employees' Retirement System (PSERS) - Class T-F (Optional): Teachers Hired on or after July 1, 2011, Class T-F | 25 | View Plan Details |
| Pennsylvania | Pennsylvania Municipal Retirement System (PMRS): General local government employees | 25 | View Plan Details |
| Rhode Island | State Police Retirement Benefits Trust (SPRBT): Police and Fire Hired after June 30, 2012 (SPRBT) | 25 | View Plan Details |
| Vermont | State Teachers' Retirement System of Vermont: Teachers Hired on or after July 1, 1981 and before July 1, 1985 (or at least age 57 on July 1, 2010) | 25 | View Plan Details |
| West Virginia | Plan B: West Viriginia State Police Retirement System (SPRS): Police and Fire Hired after March 12, 1994 | 25 | View Plan Details |
| North Dakota | North Dakota Teachers' Fund for Retirement: Teachers Hired before July 1, 2008 and age 55 by July 1, 2013 | 26 | View Plan Details |
| Nevada | Nevada Public Employees' Retirement System: Teachers Hired on or after Jan. 1, 2010 | 26 | View Plan Details |
| Nevada | Nevada Public Employees' Retirement System: General state government employees Hired on or after Jan. 1, 2010 | 26 | View Plan Details |
| Nevada | Nevada Public Employees' Retirement System: General local government employees Hired on or after Jan. 1, 2010 | 26 | View Plan Details |
| Ohio | State Teachers Retirement System of Ohio: Teachers Retiring before Aug. 1, 2015 | 26 | View Plan Details |
| Kentucky | Kentucky Teachers' Retirement System: Teachers Hired on or after July 1, 1983 and before July 1, 2002 | 27 | View Plan Details |
| Kentucky | Kentucky Teachers' Retirement System: Teachers Hired on or after July 1, 2002 and before July 1, 2008 | 27 | View Plan Details |
| Kentucky | Kentucky Teachers' Retirement System: Teachers Hired on or after July 1, 2008 | 27 | View Plan Details |
| Kentucky | Kentucky Employees Retirement System: Non-Hazardous Members: General state government employees Hired before Sept. 1, 2008 | 27 | View Plan Details |
| Kentucky | Kentucky Employees Retirement System: Non-Hazardous Members: General state government employees Hired on or after Sept. 1, 2008 and before Jan. 1, 2014 | 27 | View Plan Details |
| Kentucky | Kentucky County Employees Retirement System: Non-Hazardous Members: General county government employees Hired on or after Aug. 1, 2004 and before Sept. 1, 2008 | 27 | View Plan Details |
| Kentucky | Kentucky County Employees Retirement System: Non-Hazardous Members: General county government employees Hired on or after Sept. 1, 2008 and before Jan. 1, 2014 | 27 | View Plan Details |
| Louisiana | Louisiana State Employees' Retirement System: General state government employees Hired on or after July 1, 2006 | 27 | View Plan Details |
| Louisiana | Louisiana Parochial Employees' Retirement System: Plan A: General local government employees Hired on or after Jan. 1, 2007 (PERSLA, Plan A) | 27 | View Plan Details |
| Ohio | Ohio Public Employees Retirement System: State and Local Law Enforcement OPERS - Eligible to retire after Jan. 7, 2023 or hired after Dec. 31, 2012 | 27 | View Plan Details |
| Virginia | Virginia Retirement System (VRS) - Plan 2: General state government employees Hired after June 30, 2010 | 27 | View Plan Details |
| Virginia | Virginia Retirement System (VRS) - Plan 2: General local government employees Hired after June 30, 2010 | 27 | View Plan Details |
| Virginia | Virginia Retirement System (VRS) - Plan 2: Teachers Hired after June 30, 2010 | 27 | View Plan Details |
| Arizona | Arizona State Retirement System: General state government employees Hired on or after July 1, 2011 | 28 | View Plan Details |
| Arizona | Arizona State Retirement System: General local government employees Hired on or after July 1, 2011 | 28 | View Plan Details |
| Arizona | Arizona State Retirement System: Teachers Hired on or after July 1, 2011 | 28 | View Plan Details |
| Arizona | Arizona Public Safety Personnel Retirement System: State and local police officers and firefighters Hired on or after Jan. 1, 2012 | 28 | View Plan Details |
| Iowa | Iowa Public Employees Retirement System (IPERS): General state government employees Hired after June 30, 2012 | 28 | View Plan Details |
| Iowa | Iowa Public Employees Retirement System (IPERS): General local government employees Hired after June 30, 2012 | 28 | View Plan Details |
| Iowa | Iowa Public Employees Retirement System (IPERS): Teachers Hired after June 30, 2012 | 28 | View Plan Details |
| Illinois | Teachers' Retirement System of the State of Illinois: Teachers Hired before Jan. 1, 2011 (Tier 1) | 28 | View Plan Details |
| Louisiana | Teachers' Retirement System of Louisiana: Teachers Hired on or after July 1, 1999 and before Jan. 1, 2011 | 28 | View Plan Details |
| Louisiana | Louisiana Municipal Employees' Retirement System, Plan A: General local government employees Hired on or after Jan. 1, 2013 (MERSLA, Plan A) | 28 | View Plan Details |
| Louisiana | Louisiana Municipal Employees' Retirement System, Plan B: General local government employees Hired on or after Jan. 1, 2013 (MERSLA, Plan B) | 28 | View Plan Details |
| Missouri | Missouri Dept of Transportation and Highway Patrol Employees' Retirement System (Year 2000 Plan): State Police State Police - Hired on or after July 1, 2000 and before Jan. 1, 2011 | 28 | View Plan Details |
| Missouri | Public School Retirement System of Missouri: Teachers Retire on or before July 1, 2013 | 28 | View Plan Details |
| Missouri | Public School Retirement System of Missouri: Teachers Retire after July 1, 2013 | 28 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: General state government employees Hired before Jan. 1, 2002 | 28 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: Teachers Hired before Jan. 1, 2002 | 28 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: General local government employees Hired before Jan. 1, 2002 | 28 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: General state government employees State Plan 3, Tier 2: hired on or after July 1, 2013 | 28 | View Plan Details |
| Oklahoma | Oklahoma Teachers Retirement System (TRS) - Low Base: Teachers Hired after June 30, 1979 and before July 1, 1992 | 28 | View Plan Details |
| Oklahoma | Oklahoma Teachers Retirement System (TRS) - High Base: Teachers Hired after June 30, 1979 and before July 1, 1992 | 28 | View Plan Details |
| Pennsylvania | Commonwealth of Pennsylvania State Employees' Retirement System (SERS) - Class A-3: General state government employees Hired on or after January 1, 2011 (Class A-3) | 28 | View Plan Details |
| Rhode Island | Employees' Retirement System of Rhode Island (ERSRI) - Schedule A: General state government employees Vested on July 1, 2005 and eligible to retire on September 30, 2009 | 28 | View Plan Details |
| South Carolina | South Carolina Retirement System: General state government employees Hired before July 1, 2012 (Class 2) | 28 | View Plan Details |
| South Carolina | South Carolina Retirement System: General local government employees Hired before July 1, 2012 (Class 2) | 28 | View Plan Details |
| South Carolina | South Carolina Retirement System: Teachers Hired before July 1, 2012 (Class 2) | 28 | View Plan Details |
| Vermont | Vermont State Employees' Retirement System: General state government employees Hired on or after July 1, 2008 (Group F) | 28 | View Plan Details |
| Vermont | State Teachers' Retirement System of Vermont: Teachers Hired on or after July 1, 1985 (and younger than age 57 on July 1, 2010) | 28 | View Plan Details |
| Washington | Public Employees' Retirement System (PERS) - Plan 2: General state government employees Hired after September 30, 1977 and before March 1, 2002 | 28 | View Plan Details |
| Washington | Public Employees' Retirement System (PERS) - Plan 2: General local government employees Hired after September 30, 1977 and before September 1, 2002 | 28 | View Plan Details |
| Washington | Washington Teachers' Retirement System (TRS) - Plan 2: Teachers Hired after September 30, 1977 and before July 1, 1996 | 28 | View Plan Details |
| Alabama | Teachers' Retirement System (TRS) - Tier 2: Teachers Hired on or after January 1, 2013 | 29 | View Plan Details |
| Alabama | Employees' Retirement System (ERS) - Tier 2: General state government employees Hired on or after January 1, 2013 | 29 | View Plan Details |
| Alabama | Employees' Retirement System (ERS) - Tier 2: General local government employees Hired on or after January 1, 2013 | 29 | View Plan Details |
| District of Columbia | District of Columbia Teachers' Retirement Plan: Teachers Hired before Nov. 1, 1996 | 29 | View Plan Details |
| Illinois | Illinois Municipal Retirement Fund: General local government employees Hired on or after Jan. 1, 2011 (Tier 2) | 29 | View Plan Details |
| Maine | Maine Public Employees Retirement System: State and Teacher's Retirement Program: Teachers Hired on or after July 1, 1983 and before Oct. 1, 1989 | 29 | View Plan Details |
| Maine | Maine Public Employees Retirement System: State and Teacher's Retirement Program: Teachers Hired on or after Oct. 1, 1994 and before July 1, 2006 | 29 | View Plan Details |
| Maine | Maine Public Employees Retirement System: State and Teacher's Retirement Program: General state government employees Hired on or after July 1, 1983 and before Oct. 1, 1989 | 29 | View Plan Details |
| Maine | Maine Public Employees Retirement System: State and Teacher's Retirement Program: General state government employees Hired on or after Oct. 1, 1994 and before July 1, 2006 | 29 | View Plan Details |
| Minnesota | Minnesota General Employees Retirement Fund (Coordinated Plan): General local government employees Hired before July 1, 1989 | 29 | View Plan Details |
| North Dakota | North Dakota Teachers' Fund for Retirement: Teachers Hired before July 1, 2008 and younger than 55 on July 1, 2013 | 29 | View Plan Details |
| Nebraska | Nebraska School Employees' Retirement System: Teachers | 29 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: General state government employees Hired on or after Jan. 1, 2002 and before July 1, 2009 | 29 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: General state government employees Hired on or after July 1, 2009 and before July 1, 2011 | 29 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: Teachers Hired on or after Jan. 1, 2002 and before July 1, 2009 | 29 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: Teachers Hired on or after July 1, 2009 and before July 1, 2011 | 29 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: General local government employees Hired on or after Jan. 1, 2002 and before July 1, 2009 | 29 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: General local government employees Hired on or after July 1, 2009 and before July 1, 2011 | 29 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: General local government employees Municipal Plan 2, Tier 2: Hired on or after July 1, 2013 | 29 | View Plan Details |
| District of Columbia | District of Columbia Teachers' Retirement Plan: Teachers Hired on or after Nov. 1, 1996 | 30 | View Plan Details |
| Kansas | Kansas Public Employees Retirement System: State Tier 2: General state government employees Hired on or after July 1, 2009 and before Jan. 1, 2015 | 30 | View Plan Details |
| Kansas | Kansas Public Employees Retirement System: School Tier 2: Teachers Hired on or after July 1, 2009 | 30 | View Plan Details |
| Kansas | Kansas Public Employees Retirement System: Local Tier 2: General local government employees Hired on or after July 1, 2009 | 30 | View Plan Details |
| Maryland | Maryland State Retirement and Pension System: Employees' Retirement System: General state government employees Hired between Jan. 1, 1980 and July 30, 2011 | 30 | View Plan Details |
| Maryland | Maryland State Retirement and Pension System: Employees' Retirement System: General local government employees Hired between Jan. 1, 1980 and July 30, 2011 | 30 | View Plan Details |
| Maryland | Maryland State Retirement and Pension System: Teachers' Pension System: Teachers Hired between Jan. 1, 1980 and July 30, 2011 | 30 | View Plan Details |
| Missouri | Missouri Dept of Transportation and Highway Patrol Employees' Retirement System (Year 2000 Plan, 2011 Tier): State Police State Police - Hired on or after Jan. 1, 2011 | 30 | View Plan Details |
| Mississippi | Mississippi Public Employees' Retirement System: General state government employees Hired on or after July 1, 2011 | 30 | View Plan Details |
| Mississippi | Mississippi Public Employees' Retirement System: General local government employees Hired on or after July 1, 2011 | 30 | View Plan Details |
| Mississippi | Mississippi Public Employees' Retirement System: Teachers Hired on or after July 1, 2011 | 30 | View Plan Details |
| Mississippi | Mississippi Public Employees' Retirement System: Local police officer and firefighters Hired on or after July 1, 2011 | 30 | View Plan Details |
| North Dakota | North Dakota Teachers' Fund for Retirement: Teachers Hired on or after July 1, 2008 and retire after July 1, 2013 | 30 | View Plan Details |
| New Jersey | New Jersey Teachers' Pension and Annuity Fund: Teachers Hired on or after June 28, 2011 (Tier 5) | 30 | View Plan Details |
| New Jersey | New Jersey Public Employees' Retirement System (PERS): General state government employees Hired on or after June 28, 2011 (Tier 5) | 30 | View Plan Details |
| New Jersey | New Jersey Public Employees' Retirement System (PERS): General local government employees Hired on or after June 28, 2011 (Tier 5) | 30 | View Plan Details |
| New Mexico | New Mexico Educational Retirement Board: Teachers Hired on or after July 1 , 2013 | 30 | View Plan Details |
| New Mexico | New Mexico Public Employees Retirement Fund: General local government employees Municipal Plan 1, Tier 2: hired on or after July 1, 2013 | 30 | View Plan Details |
| Ohio | Ohio Public Employees Retirement System: General state government employees Retired by Jan. 7, 2013 | 30 | View Plan Details |
| Ohio | Ohio Public Employees Retirement System: General state government employees Eligible to retire by Jan. 7, 2018 | 30 | View Plan Details |
| Ohio | Ohio Public Employees Retirement System: General local government employees Retired by Jan. 7, 2013 | 30 | View Plan Details |
| Ohio | Ohio Public Employees Retirement System: General local government employees Eligible to retire by Jan. 7, 2018 | 30 | View Plan Details |
| Oklahoma | Oklahoma Teachers Retirement System (TRS) - Low Base: Teachers Hired after June 30, 1995 and before November 1, 2011 | 30 | View Plan Details |
| Oklahoma | Oklahoma Teachers Retirement System (TRS) - Low Base: Teachers Hired on ot after November 1, 2011 | 30 | View Plan Details |
| Utah | Tier 1 Contributory: General state government employees Hired before July 1, 1975 | 30 | View Plan Details |
| Utah | Tier 1 Contributory: General state government employees Hired after June 30, 1975 and before July 1, 1986 | 30 | View Plan Details |
| Utah | Tier 1 Contributory: Teachers Hired before July 1, 1975 | 30 | View Plan Details |
| Utah | Tier 1 Contributory: Teachers Hired after June 30, 1975 and before July 1, 1986 | 30 | View Plan Details |
| Utah | Tier 1 Contributory: General local government employees Hired before July 1, 1975 | 30 | View Plan Details |
| Utah | Tier 1 Contributory: General local government employees Hired after June 30, 1975 and before July 1, 1986 | 30 | View Plan Details |
| Vermont | Vermont State Employees' Retirement System: General state government employees Hired before June 30, 1981 (Group A) | 30 | View Plan Details |
| Vermont | Vermont State Employees' Retirement System: General state government employees Hired on or after January 1, 1991 and before July 1, 2008 (Group F) | 30 | View Plan Details |
| Vermont | Vermont State Employees' Retirement System: General state government employees Hired after June 30, 1981 and before January 1, 1991 (Group F) | 30 | View Plan Details |
| West Virginia | Teachers' Retirement System (TRS): Teachers | 30 | View Plan Details |
| Alabama | Employees' Retirement System (ERS) - Tier 2: Local police and fire Hired on or after January 1, 2013 | 31 | View Plan Details |
| Ohio | Ohio Public Employees Retirement System: General state government employees Eligible to retire between Jan. 7, 2018 and Jan. 7, 2023, or completed 20 years of service by Jan. 7, 2013 | 31 | View Plan Details |
| Ohio | Ohio Public Employees Retirement System: General local government employees Eligible to retire between Jan. 7, 2018 and Jan. 7, 2023, or completed 20 years of service by Jan. 7, 2013 | 31 | View Plan Details |
| Ohio | State Teachers Retirement System of Ohio: Teachers Retiring on or after Aug. 1, 2015 and before Aug. 1, 2017 | 31 | View Plan Details |
| Pennsylvania | Commonwealth of Pennsylvania State Employees' Retirement System (SERS) - Class A-4 (Optional): General state government employees Hired on or after January 1, 2011 (Class A-4) | 31 | View Plan Details |
| South Carolina | South Carolina Retirement System: General state government employees Hired on or after July 1, 2012 (Class 3) | 31 | View Plan Details |
| South Carolina | South Carolina Retirement System: General local government employees Hired on or after July 1, 2012 (Class 3) | 31 | View Plan Details |
| South Carolina | South Carolina Retirement System: Teachers Hired on or after July 1, 2012 (Class 3) | 31 | View Plan Details |
| California | California State Teachers' Retirement System (CalSTRS): Teachers Hired on or after January 1, 2013 | 32 | View Plan Details |
| Missouri | Missouri State Employees Retirement System: MSEP 2011: General state government employees Hired on or after Jan. 1, 2011 | 32 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: General state government employees Hired on or after July 1, 2011 | 32 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: Teachers Hired on or after July 1, 2011 | 32 | View Plan Details |
| New Hampshire | New Hampshire Retirement System: General local government employees Hired on or after July 1, 2011 | 32 | View Plan Details |
| Ohio | Ohio Public Employees Retirement System: General state government employees Eligible to retire after Jan. 7, 2023 or hired after Dec. 31, 2012 | 32 | View Plan Details |
| Ohio | Ohio Public Employees Retirement System: General local government employees Eligible to retire after Jan. 7, 2023 or hired after Dec. 31, 2012 | 32 | View Plan Details |
| Illinois | State Employees' Reirement System of Illinois: General state government employees Hired on or after Jan. 1, 2011 (Tier 2) | 33 | View Plan Details |
| Maryland | Maryland State Retirement and Pension System: Employees' Retirement System: General state government employees Hired on or after July 1, 2011 | 33 | View Plan Details |
| Maryland | Maryland State Retirement and Pension System: Employees' Retirement System: General local government employees Hired on or after July 1, 2011 | 33 | View Plan Details |
| Maryland | Maryland State Retirement and Pension System: Teachers' Pension System: Teachers Hired on or after July 1, 2011 | 33 | View Plan Details |
| Ohio | State Teachers Retirement System of Ohio: Teachers Retiring on or after Aug. 1, 2019 and before Aug. 1, 2021 | 33 | View Plan Details |
| Maine | Maine Public Employees Retirement System: State and Teacher's Retirement Program: Teachers Hired on or after July 1, 2006 | 34 | View Plan Details |
| Maine | Maine Public Employees Retirement System: State and Teacher's Retirement Program: General state government employees Hired on or after July 1, 2006 | 34 | View Plan Details |
| Minnesota | Minnesota Teachers Retirement Association: Teachers Hired after June 30, 1989 | 34 | View Plan Details |
| Hawaii | Employees' Retirement System of the State of Hawaii (ERS) - Hybrid Plan: General state government employees Hired on or after July 1, 2012 | 35 | View Plan Details |
| Hawaii | Employees' Retirement System of the State of Hawaii (ERS) - Hybrid Plan: General local government employees Hired on or after July 1, 2012 | 35 | View Plan Details |
| Hawaii | Employees' Retirement System of the State of Hawaii (ERS) - Hybrid Plan: Teachers Hired on or after July 1, 2012 | 35 | View Plan Details |
| Massachusetts | Massachusetts Teachers' Retirement System: Teachers Hired on or after July 1, 2001 and before April 1, 2012 | 35 | View Plan Details |
| Minnesota | Minnesota General Employees Retirement Fund (Coordinated Plan): General local government employees Hired on or after July 1, 1989 and before July 1, 2010 | 35 | View Plan Details |
| Minnesota | Minnesota General Employees Retirement Fund (Coordinated Plan): General local government employees Hired on or after July 1, 2010 | 35 | View Plan Details |
| Ohio | State Teachers Retirement System of Ohio: Teachers Retiring on or after Aug. 1, 2026 | 35 | View Plan Details |
| Montana | Public Employee's Retirement System (PERS): General state government employees Hired on or after July 1, 2011 | 36 | View Plan Details |
| Montana | Public Employee's Retirement System (PERS): General local government employees Hired on or after July 1, 2011 | 36 | View Plan Details |
| Rhode Island | Employees' Retirement System of Rhode Island (ERSRI) - Schedule B2: General state government employees Hired after September 30, 2009 and before July 1, 2012 | 36 | View Plan Details |
| Rhode Island | Employees' Retirement System of Rhode Island (ERSRI) - Schedule B2: Teachers Hired after September 30, 2009 and before July 1, 2012 | 37 | View Plan Details |
Source: Urban Institute, Program on Retirement Policy
For additional details on individual pension systems, see the Urban Institute’s new State and Local Employee Pension Plan database.
