NYSTRS
New York State Teachers' Retirement System
Public school teachers and administrators in New York State outside New York City — including most Long Island school districts and SUNY academic faculty who are not in ORP.
Pension systems · Long Island
Plan-specific pension election analysis for Long Island households.
Plan-specific facts change every line of the election math — Final Average Salary calculation, the available election options, COLA mechanics, and Social Security coordination including WEP and GPO. Camba Capital treats the dominant Long Island retirement systems as their own decision frameworks rather than running every household through the same generic lump-sum-vs-annuity template.
NYCTRS (TRS)
New York City Teachers' Retirement System
Pedagogical employees of the New York City Department of Education and CUNY community-college faculty — teachers, paraprofessionals (some), administrators, school psychologists, social workers.
NYSLRS-ERS
NYS Employees' Retirement System (ERS)
State and local civil-service employees in New York outside NYC — town, county, school-district non-instructional, SUNY non-academic, state agency staff. Most Long Island town and county civil-service positions sit in this system.
NYSLRS-PFRS
NYS Police and Fire Retirement System (PFRS)
New York State Troopers, county sheriffs, town and village police, paid firefighters, EMTs, and others designated as members of police and fire bargaining units in NY State. Many Long Island town/village police forces are PFRS members; Nassau and Suffolk County PD have their own separate systems.
NYCERS
New York City Employees' Retirement System
Most NYC civil-service employees outside teaching and uniformed services — sanitation, correction (separate plans within), MTA Bridges and Tunnels, NYCHA, transit MaBSTOA-adjacent (NYCT TWU has separate plan), city agencies.
NYCPPF (Police)
New York City Police Pension Fund
Sworn members of the New York City Police Department.
FDNY Pension
New York City Fire Department Pension Fund
Sworn members of the FDNY (firefighters, fire officers, fire marshals, EMS officers in fire-pension class).
RRB / LIRR
Railroad Retirement Board (RRB) — LIRR
LIRR employees and other eligible railroad workers. Federal system administered by the U.S. Railroad Retirement Board, NOT a NY state pension. RRB Tier 1 replaces Social Security; Tier 2 is the railroad-specific defined-benefit annuity.
13 more systems via the calculator
Other plans Camba covers in the pension calculator's picker.
The eight systems above have dedicated pages because they account for most Long Island retiree concentration. The full picker on the calculator page also covers:
- BERS — NYC Board of Education Retirement System (custodians, paraprofessionals)
- Nassau County PD Pension System
- Suffolk County PD Pension System
- NYS Optional Retirement Program (TIAA / Voya / others)
- MTA Defined Benefit Pension Plan (non-NYCT, non-LIRR)
- Northwell Health retirement plans
- Stony Brook Medicine retirement plans
- NYU Langone Health retirement plans
- Catholic Health Long Island retirement plans
- Mount Sinai South Nassau retirement plans
- Other public-sector union pensions (Taft-Hartley)
- Other private-sector defined-benefit plans
- DC plans only (no defined-benefit pension)
Next step
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