Q: I am confronted with having to "retire" just three years short of my 62nd birthday with 25 years in the system. If I leave my job and remain unemployed for three years until I'm 62, will I be able to apply for my full Tier 4 retirement benefits?

A: Yes. However, I suggest that you arrange a video conference with a TRS representative (800-348-7298, ext. 6100) to learn if taking the reduced allowance three years earlier is better for you than three "zero" years followed by the full benefit.

Q: In a recent column you suggested that a member should sign up for a Teachers' Retirement System video consultation. Do these consultations occur on an individual basis or in groups? Either way, I'd be interested to learn of their substance. Like that member, I am considering getting out of the classroom for some time — either out of state or in state — but working in a different venue. I have 18 years in as of June 30 and will be 52 in September. I need to consider the relative value of leaving teaching for good to start another career where I can put in 15 good years, as compared to trying to make it to 20 years in teaching before I take leave. I have contemplated moving to a substitute status, working part time while pursuing another career, but I don't currently know anyone to discuss the implications on retirement and health benefits.

A: You are wise to begin inquiry before you make a decision. The consults are individual. Call the TRS at 800-348-7298, ext. 6100, to find out the nearest site and make an appointment. The representative will answer your questions and assist you in understanding the pros and cons of leaving before 20 years.

Q: I have additional responsibilities beyond my classroom teaching. I am the attendance supervisor for the district. Will those monies I receive be included in my final average salary?

A: Yes.

Q: I know that if I retire at 55 I will receive a penalty because I do not have 30 years of service. Must I put in 30 years in order to retire without penalty to my pension? That would make me 66 years old and I'm not sure I want to work that long. What is the earliest I can retire without a penalty?

A: Under Tier 4 regulations, minimum age 55, minimum years of credited service 30 would result in a retirement allowance without penalty, at 60 percent of your final average salary. If, however, you attain at least 20 years of credited service and teach until you are 62 years old, you could retire without penalty, at a lower percentage of your FAS. We suggest you arrange for a video consultation in your geographic area by contacting the TRS at 800-348-7298, ext. 6100.

Q: I worked for one year as a paid school psychologist intern in a New York public school. Does this count toward my years of service?

A: The criterion for receiving service credit is being on the payroll of a participating employer of the state TRS. If you were an employee of the school district and were paid through its payroll procedures, you might wish to contact the TRS at 800-348-7298, ext. 6250, and request a prior service claim form.