NYC Department of Sanitation · Mike Plotkin · 20 Years
Your Pension. Plain English.
This guide is written specifically for DSNY workers. Not for teachers. Not for cops. Not for general city employees. For you. Two plans apply to sanitation — SA-20 and SA-22. Everything here is built around those two plans and the benefits you actually have through Local 831.
✓ Your Pension Check Is Constitutionally Protected
New York State Constitution Article V, Section 7: pension benefits "shall not be diminished or impaired." Every benefit you have earned is locked. No proposal currently active — including Mayor Mamdani's April 2026 budget moves — changes the monthly check you will receive in retirement. NYC has never successfully cut a vested benefit. The fight right now is about healthcare, not your pension.
🚨 Your Healthcare Is Not Protected The Same Way
Mayor Mamdani proposed drawing $229 million from the Retiree Health Benefit Trust Fund — the separate fund that pays for your healthcare in retirement. This is not the pension fund. It has less legal protection. Combined with active court cases over your medical plan, healthcare is where DSNY workers and retirees are most exposed right now.
First Things First
Which Plan Are You In?
Everything about your retirement depends on one thing — your DSNY hire date. Two plans apply to DSNY workers. Know which one is yours before you read anything else.
Tier 4 · SA-20 Plan
Hired July 27, 1976 – March 31, 2012
✓Retire after 20 years of Allowable Sanitation Service — no age requirement
✓50% of Final Average Salary at 20 years
✓No Social Security offset
✓Most favorable DSNY plan
→AMC contributions required for all 20 years of service
Tier 1 & Tier 2 Members — Hired Before July 27, 1976
Almost no one in these tiers is still active. If you are Tier 1 or Tier 2, your benefit formula is the most generous in the system, your benefit is fully vested and constitutionally locked, and nothing currently proposed threatens what you have earned. Call NYCERS at 347-643-3000 and request a written benefit estimate. That is the only action item you need.
April 2026 · Active Right Now
The Current Threat — What Is Actually Happening
In April 2026, the New York Times reported that Mayor Mamdani is exploring ways to delay the city's pension fund contributions. This triggered real alarm across DSNY Facebook groups. Here is what it actually means — and what it does not mean.
✓ Your Monthly Check Is Not Being Cut
What Mamdani proposed is delaying the city's required payment schedule into the pension fund — not reducing any member's or retiree's benefit. The pension check is constitutionally protected. That protection has been tested in courts including Illinois, where the state tried to cut benefits and failed. NYC has never successfully cut a vested benefit.
What Is Actually On The Table
Proposal
What It Means
Your Pension Check
Your Healthcare
Delay pension fund contributions
NYC has been on a $60 billion payment plan for over a decade with 6 years to go (ending 2032). Mamdani wants to slow or pause the city's contributions to close a $5.4 billion deficit. The City Council proposed a similar move estimated to save over $1 billion per year.
No direct impact. Benefits are constitutionally protected regardless of when the city makes contributions. Long-term fund health is affected if contributions are consistently deferred — but your earned benefit cannot be reduced.
No direct impact.
Draw $229M from the Retiree Health Benefit Trust Fund (RHBT)
The RHBT is a separate fund — not the pension fund — that pays for retiree healthcare. Mamdani's budget proposed drawing $229 million from it to close FY2027 budget gaps. NYC Comptroller Mark Levine's office explicitly flagged this: the RHBT is not a rainy day fund.
No direct impact.
Direct threat. The RHBT funds your healthcare in retirement. It does not have the same constitutional protection as the pension. City Council opposed this move. The fight is ongoing.
⚠ The Payday Loan Problem
Deferring pension contributions has been described as "essentially a payday loan — the city gets a short-term benefit but pays considerably more by kicking costs out beyond 2040." The contributions being deferred today become larger obligations for future mayors, councils, and taxpayers. Your check keeps coming either way — but the fund gets weaker if the city consistently underfunds it. Watch Albany during budget season every spring.
How We Got Here
UFT President Michael Mulgrew made a deal with then-Mayor DeBlasio to fund teacher raises by switching all NYC retirees — every union, not just teachers — to Medicare Advantage, saving the city $600 million a year. Marianne Lynda Carter Pizzitola founded the NYC Organization of Public Service Retirees (nycretirees.org) specifically to fight this. Her organization has won multiple court battles. The fight is not over.
ℹ Follow These
nycretirees.org — Founded by Marianne Lynda Carter Pizzitola. Subscribe to the mailing list. Most current source on court cases, plan changes, and every active threat to your healthcare in retirement.
Bills A7866 / S8388 — Would give retiree health benefits the same constitutional protection as pensions. Not passed yet. Contact your state representatives and ask them to support it.
Hired Before April 1, 2012 · Tier 4
SA-20 — Your Plan In Full Detail
The Sanitation 20-Year Retirement Plan is available exclusively to DSNY uniformed force employees. If you were hired before April 1, 2012, this is your plan. It is the most favorable retirement plan available to DSNY workers.
SA-20
Sanitation 20-Year Retirement Plan — Tier 4
NYCERS Brochure #935 · Updated September 2025 · DSNY Uniformed Force Only
Eligibility
20 Years
Allowable Sanitation Service — no minimum age requirement
Benefit at 20 Years
50% of FAS
Final Average Salary — highest 3 consecutive years
Maximum Benefit
30-Year Cap
Benefit caps at the 30-year equivalent — working beyond 30 years does not increase your pension
AMC Contributions
Full 20 Years
Required for all 20 years of Allowable Sanitation Service. Cannot retire with a deficit.
SS Offset
None
SA-20 has no Social Security offset — that is an SA-22 issue
Vesting
5 Years
Can vest under the 62/5 plan with at least 5 years of Credited Service if you leave before 20 years
Allowable Sanitation Service — What It Means and Why It Matters
Your eligibility is based on Allowable Sanitation Service — not simply the number of years you have been employed. These numbers are usually the same but leaves of absence, certain unpaid time, and other factors can affect your count. Never assume.
⚠ Confirm Your Exact Count Before You File
Call NYCERS at 347-643-3000 and ask specifically for your Allowable Sanitation Service count. Get it in writing. This is the number that determines the exact date you are eligible to retire and your actual pension amount. Do not guess. Do not assume.
How Your Benefit Is Calculated
Your benefit is a percentage of your Final Average Salary (FAS) — the average of your highest 3 consecutive years of wages, wherever they fall in your salary history.
At 20 years
50% of Final Average Salary
Base benefit — no age requirement
Beyond 20 years
Benefit increases with additional service
Confirm exact per-year increment in your NYCERS Brochure #935 or with NYCERS directly
Maximum (30 years)
Benefit caps at the 30-year equivalent
No increase beyond this point
ℹ The 10% FAS Rule
Any year used in your FAS calculation cannot exceed the average of the previous two years' wages by more than 10%. Anything above that threshold is excluded. This limits the impact of a single high-earning year — plan your peak earning years accordingly and do not count on one outlier year inflating your pension significantly.
The 3-Year FAS Window — This Is Where Your Pension Is Made or Lost
Maximize Your FAS
✓Highest 3 consecutive years — not necessarily your last 3
✓Overtime is included for SA-20 members
✓Night differential, longevity, and pensionable earnings count
→Identify your 3 highest consecutive earning years and plan retirement around them
Watch Out For
!The 10% spike rule — one blowout year helps less than you think
!Retiring before your highest earning years close permanently reduces your benefit
!Do not assume your last 3 years are your best 3 — run the actual numbers
→Ask NYCERS to run estimates with different retirement dates before you file
Disability and Death Benefits
Benefit
Amount
Condition
Ordinary Disability
1/3 of Final Average Salary
Physically or mentally incapacitated for duties — not job-related
Accidental Disability (Line of Duty)
3/4 of Final Average Salary
Incapacitated as the direct result of an on-the-job accident, not caused by willful negligence. DSNY uniformed members have no Workers' Compensation offset.
Death in Service
3x annual wages
Death while in active service. Keep beneficiary designations current with NYCERS.
Line of Duty Death
50% of wages, continued
Equivalent of continuing to pay the member's full salary including OT, differential, and longevity payments.
SA-20 Action Items
1. Call NYCERS (347-643-3000) — Request your exact Allowable Sanitation Service count and a written benefit estimate at your target retirement date. This is the most important document in your retirement planning.
2. Log into mynycers.org — Review your Annual Disclosure Statement. Confirm your AMC account balance and beneficiary designations are current.
3. Identify your FAS window — Pull your W-2s for the last 5+ years. Find your 3 highest consecutive years. Compare to a last-3-years scenario. Know which is higher before you file.
4. Confirm AMC balance — SA-20 members cannot retire with a deficit in their AMC account. Confirm your balance now, not the week before you file.
Hired April 1, 2012 or After · Tier 3
SA-22 — What Changed and What You're Fighting For
If you were hired April 1, 2012 or later, you are in the SA-22 plan. The terms are harder. The contributions are higher. There is an active Social Security offset you need to understand. And there is legislation in Albany right now trying to restore the 20-year retirement that was taken from you.
SA-22
Sanitation 22-Year Retirement Plan — Tier 3
NYCERS · DSNY Uniformed Force hired April 1, 2012 or after
Eligibility
22 Years
Allowable Sanitation Service + minimum age 35
Full Benefit at 22 Years
50% of FAS
Two additional years required vs. SA-20
SS Offset
Yes
Reduces your net pension. Understand this before you retire.
Contributions
Higher
Higher employee contribution rates than SA-20
FAS Calculation
3 Years
Highest 3 consecutive years. Changed from 5 years by Chapter 56 of the Laws of 2024. Spike cap is previous 4-year average (not 2-year like SA-20).
Overtime in FAS
Capped
Annual OT ceiling ~$20,958 (escalates with CPI). OT above the ceiling is excluded from FAS entirely. SA-20 has no OT cap.
⚠ Social Security Offset — Know Your Actual Net Number
SA-22 members are subject to a Social Security offset that reduces your NYCERS pension benefit. SA-20 members have no such offset. Before you retire, call NYCERS and request a benefit estimate that specifically includes the SS offset calculation. Also check ssa.gov/myaccount for your projected Social Security benefit — both numbers affect your retirement income picture. Do not plan on the gross 50% figure without understanding what the offset takes back.
The Overtime Ceiling — A Critical Difference From SA-20
SA-22 is classified as a "Revised Plan" member under the RSSL. That classification triggers a wage definition that includes an annual overtime ceiling for FAS purposes. SA-20 has no such ceiling — all overtime is fully includable in their FAS calculation.
Plan
Overtime in FAS
Impact
SA-20 (Tier 4)
No cap — full OT included
Every dollar of overtime earned during your FAS window counts toward your pension calculation. High-OT years are fully pensionable.
SA-22 (Tier 3)
Annual ceiling — approx. $20,958 (CPI-indexed)
Any overtime compensation above the annual ceiling is excluded from FAS entirely. The ceiling escalates with the Consumer Price Index each year. For workers with significant overtime, this cap directly reduces their pensionable income.
⚠ What This Means In Practice
If you earned $40,000 in overtime in a given year, only approximately $20,958 of it counts toward your FAS. The remaining ~$19,000 is excluded from your pension calculation entirely. Multiply that across your 3-year FAS window and the impact on your lifetime pension is real. SA-20 members can maximize OT in their final years to boost their pension. SA-22 members have a hard ceiling on that strategy.
FAS Calculation — What Changed and What Applies to You
SA-22 was originally on a 5-year FAS window. Chapter 56 of the Laws of 2024 (Part QQ) changed this to 3 years for certain Tier 3 members — including SA-22. This was a real improvement. However, two differences from SA-20 remain:
Rule
SA-20 (Tier 4)
SA-22 (Tier 3 Revised)
FAS window
3 highest consecutive years (any period)
3 highest consecutive years (changed from 5 by 2024 legislation)
Annual spike cap
Cannot exceed previous 2-year average by more than 10%
Cannot exceed previous 4-year average by more than 10%
Overtime in FAS
No ceiling — full OT included
Annual ceiling ~$20,958 — excess OT excluded
ℹ One Remaining Exception
SA-22E members (Enhanced Disability Benefit plan) retiring specifically on an Enhanced Disability Benefit still use a 5-year FAS window. All other SA-22 service retirees use 3 years as of the 2024 legislation.
The Albany Fight — Bills to Restore 20-Year Retirement
Active bills in the 2025–2026 Albany session pushing to restore 20-year retirement for SA-22 members — the same terms as SA-20.
Bill
What It Does
Status
S7414 (Senate)
Restores 20-year retirement for DSNY SA-22 members — 50% of FAS at 20 years
In committee — not passed
S6486 (Senate)
Restores 20-year retirement for both DSNY SA-22 and DOC CF-22 members
In committee — not passed
SA-22 Action Items
1. Call NYCERS (347-643-3000) — Request a benefit estimate that includes the Social Security offset applied to your record. Know your actual net number.
2. Check ssa.gov/myaccount — Your projected Social Security benefit directly affects your SA-22 net pension calculation.
3. Understand the overtime ceiling — Your FAS calculation excludes overtime above approximately $20,958/year (indexed to CPI). If you're a high-OT worker, this cap directly affects your pensionable income. Factor it into your retirement income estimate.
4. Track S7414 and S6486 through your union — If these bills pass, your retirement picture changes significantly. Contact your state senator and assembly member and ask for their support.
5. Confirm age 35 eligibility — Your retirement requires 22 years of Allowable Sanitation Service AND minimum age 35. If you joined young, age may be the binding constraint.
Already Collecting
Current Retirees — What Is Safe and What Is Not
If you are already receiving your pension, your situation is different from active employees. Here is exactly what is protected and what is not.
Your Monthly Pension Check
No Risk
Constitutionally locked under NY State Constitution Article V, Section 7. No proposal currently active — including Mamdani's budget moves — reduces what you receive. The check does not change.
Retiree Healthcare
Active Threat
The Retiree Health Benefit Trust Fund (RHBT) — which funds your healthcare — does not have the same constitutional protection as the pension. Mayor Mamdani proposed drawing $229 million from it. NYC Comptroller Mark Levine flagged this as a misuse of the fund. The City Council opposed it. The fight is ongoing.
NY State & NYC Tax Exemption
Intact
Your NYCERS pension is exempt from New York State and NYC income tax. Federal withholding only. Not targeted. Worth significantly more in your pocket compared to a private pension of the same gross amount.
Cost of Living Adjustments
Watch
COLAs are separately legislated — not part of the constitutional protection. They require political will to increase. Do not count on large COLA increases as part of your financial planning.
Returning to Public Work
Know the Limit
Section 212 of the RSSL: earnings from public employment are capped at $35,000 per calendar year in 2026 (this figure has been $35,000 since 2020). Bills pending in Albany to raise this limit — not passed yet. Private sector work has no earnings limit. The limit disappears entirely in the calendar year you turn 65.
Fund Health Long-Term
Solid
NYC's combined pension funds are approximately 83–85% funded per the most recent actuarial reports. The funds returned 10.3% net in FY2025, well above the 7% target. On track for full funding by 2032. NYCERS is not Chicago (25% funded) or Detroit. The fund has the assets to pay you.
⚠ The Apathy Problem
Marianne Lynda Carter Pizzitola is constantly fighting for retirees, and 98% ignore it — until retirement comes and something is not what they expected. The information exists. The organizations exist. The court battles are happening right now. Whether you engage before or after it affects you is a choice you make today.
The Real Active Fight · Source: nycretirees.org
Healthcare — The Battle Nobody Warned You About
The pension check is constitutionally locked. Your healthcare is not. Three active court cases, a medical plan launched in January 2026 whose legal authority is still contested, and $229 million of your retirement healthcare fund targeted for budget use.
The Three Court Cases
Case
What It Was About
Status
Impact
Campion
Whether the city could force Medicare-eligible retirees off Traditional Medicare into Medicare Advantage
WON — Closed. NYC Courts of Appeals, unanimous decision for retirees.
Medicare-eligible retirees kept the right to choose Traditional Medicare. City cannot force MA.
Bianculli (CoPay Case)
Whether the city can charge $15 copays to Medicare retirees who previously had none
Still in court. Injunction was lifted — $15 copays began January 2025 and are live. Some DSNY retirees report $2,100+ per year in out-of-pocket costs under the current structure (member-reported figure — verify with your union).
If you are Medicare-eligible, you are paying these copays now. Legal fight continues.
Bentkowski ("Nuclear Option")
Most aggressive move — would have forced all retirees into Medicare Advantage regardless of preference
Partially won. Forced MA switch blocked for now. 12 causes of action still in Supreme Court — not yet scheduled.
Forced switch blocked. City has not conceded. Watch nycretirees.org.
The NYCE PPO — Your Medical Plan as of January 1, 2026
⚠ Enrolled in a Plan Whose Legal Authority Is Still Contested
The MLC approved the NYCE PPO to replace GHI/CBP for active workers and non-Medicare retirees. It is live. But the court denied the city's motion to dismiss a challenge to it, finding the mayor may not have had legal authority to create a self-insured plan. You are enrolled in a plan that is being litigated while you use it. Verify your doctors and specialists are in-network. Verify your medications are on the formulary. Do this now, not when you need care.
ℹ Key Resources
nycretirees.org — Founded by Marianne Lynda Carter Pizzitola. Subscribe to the mailing list. Most current source on every court case and healthcare threat.
NYC OLR (olr.nyc.gov) — Official plan enrollment and retiree benefit documentation.
Bills A7866 / S8388 — Constitutional protection for retiree health benefits. Track at nysenate.gov.
Former Comptroller Brad Lander (Dec 2025) — Released audit findings on the city's long-term healthcare liability. Current Comptroller Mark Levine (took office January 1, 2026) has continued flagging RHBT drawdown risks.
Mayor Mamdani (April 2026) — Proposing pension contribution deferral and $229M RHBT drawdown. Monitor through nycretirees.org and Local 831 for current status.
Your Specific Benefits · DSNY Members and Retirees
Local 831 Coverage
All three benefits below continue into retirement through the Local 831 welfare fund. Medical, dental, and vision — all three carry with you when you retire.
Medical
NYCE PPO
City plan. Non-Medicare active and retirees. Legal authority contested — enrolled but litigated. Verify your doctors are in-network before and after retirement. Continues into retirement.
Dental
EmblemHealth Preferred Premier
Via Careington nationwide network. Changed July 1, 2025 — applies to both active AND retired members. Any dentist in the Preferred Network. Continues into retirement.
Vision
ASO (asonet.com) + Medical
Dual-track. ASO covers free annual exam, frames, and contacts. Eye doctors also bill the medical plan for clinical or disease-related eye care. Both continue into retirement.
FSA — Use Every Dollar Before You Retire
⚠ The FSA Disappears On Your Last Day
The city's Flexible Spending Account is tied to active employment. It is gone the day you retire. The 2026 IRS limit is $3,300. Max your contribution during Open Enrollment in your final year of active service and spend every dollar before your retirement date — dental work, glasses, prescriptions, appointments, any deferred medical needs for you and your family. Pre-tax money. It does not carry over and cannot be refunded.
Dental Implants — One-Time Window
The EmblemHealth Preferred Premier plan covers one dental implant per tooth per lifetime with no annual dollar maximum. This benefit was announced specifically for active employees. Before you retire, call Local 831 (212-964-8900) and confirm whether this implant benefit carries into retirement under the retirees welfare fund. If you need implant work and it is active-only, getting it done before your last day could save thousands.
Local 831 · Union Benefit
The Annuity Fund — What You Need to Know
The Local 831 annuity fund is a separate retirement benefit negotiated through your collective bargaining agreement. It is not part of your NYCERS pension. It is not the 457. It is its own account — and most workers don't think about it until they're about to retire.
What It Is
Tax-deferred retirement account
Funded through your union contract. Grows tax-deferred — you don't pay taxes on it until you withdraw.
Early Withdrawal
10% Penalty
If you withdraw before age 59½ you pay ordinary income tax on the full amount PLUS a 10% IRS early withdrawal penalty on top of it. Don't touch it early.
Rollover Option
IRA Rollover
When you separate from service you can roll the annuity fund directly into a traditional IRA with no taxes and no penalty — if done as a direct rollover. This keeps the money growing tax-deferred.
After Age 59½
No Penalty
Withdrawals after 59½ are taxed as ordinary income — no penalty. Required minimum distributions begin at age 73.
⚠ The Most Common Mistake
Workers cash out the annuity fund when they retire instead of rolling it over. The result: ordinary income tax on the full balance — potentially pushing you into a higher tax bracket that year — plus the 10% early withdrawal penalty if you're under 59½. On a $50,000 annuity balance that could mean $15,000–20,000 gone immediately. Roll it over to a traditional IRA instead. Talk to a tax professional before you touch it.
What to Do
1. Call Local 831 (212-964-8900) — Request your current annuity fund balance and ask about your distribution options when you separate from service.
2. Know your rollover options before you retire — A direct rollover to a traditional IRA is penalty-free and tax-deferred. An indirect rollover (check sent to you first) triggers mandatory 20% withholding and starts a 60-day clock. Get the direct rollover paperwork before your last day.
3. Talk to a tax professional — The right move depends on your age, your other retirement income, and your tax situation. The annuity fund is real money — treat it like it.
ℹ Confirm Current Terms With Local 831
Annuity fund contribution rates, payout structures, and specific plan terms are set through collective bargaining and can change with each contract. The rules above reflect standard IRS treatment of qualified annuity funds. Confirm your specific plan details directly with Local 831 at 212-964-8900 or usalocal831.com before making any withdrawal or rollover decision.
Individual Market · After Retirement
The Three Gaps Your Coverage Does Not Fill
With medical, dental, and vision all covered through Local 831, your remaining exposure is narrow. The city offers no supplemental insurance. These three gaps exist for every DSNY retiree regardless of tier or plan.
Gap
What It Covers
Why It Matters
Hospital Indemnity
Pays cash directly to you for each day of inpatient hospitalization — regardless of what the NYCE PPO covers. You use it however you need.
The NYCE PPO has deductibles and coinsurance. A serious hospitalization can leave significant out-of-pocket costs. Given the ongoing legal questions about the NYCE PPO, a cash buffer is practical. Buy individually — confirm the policy is individually purchased, not employer or payroll-only.
Critical Illness
Lump sum payout — typically $10,000–$25,000 — on diagnosis of cancer, heart attack, stroke, or other covered major illness. Cash paid directly to you.
No plan — city, union, or otherwise — covers the financial disruption of a serious diagnosis. Physical careers create real wear. The premium is lower when you are younger. Every year you wait, it costs more. Lock it in as early as you can.
Accident Insurance
Cash benefits for ER visits, ambulance, X-rays, fractures, surgery, and physical therapy from covered accidents.
Relevant for anyone with a physical career history and an active post-retirement life. Covers the out-of-pocket gap when something unexpected happens.
How to Get Covered
Get your own quotes at your age from Cigna, MetLife, or Aflac. The right amount of coverage depends on your situation and age. When shopping for hospital indemnity specifically, confirm the policy is individually purchased — not an employer or payroll-only group plan.
Do These Things
Action Steps by Plan
Everything in this guide comes down to a handful of calls and decisions. Here is exactly what to do based on your plan.
SA-20 Members (Hired before April 1, 2012)
1
Get a written benefit estimate from NYCERS
Call 347-643-3000. Ask for your Allowable Sanitation Service count and a projected pension benefit at your target retirement date. Get it in writing. This is the most important document in your retirement plan.
2
Identify your FAS window
Pull W-2s for the last 5+ years. Find your 3 highest consecutive years. Compare to your last-3-years scenario. Know which is better before you file.
3
Confirm AMC account balance
Log into mynycers.org. You cannot retire with a deficit in your AMC account. Confirm the balance now.
4
Max and spend the FSA your final year
The FSA is gone when you retire. Max it in Open Enrollment your final year of active service. Spend every dollar before your retirement date.
5
Call Local 831 before you retire
Call 212-964-8900. Confirm dental implant benefit for retirees, vision continuity, and the full welfare fund coverage picture after retirement.
6
Verify NYCE PPO network
Confirm your doctors and any family members' specialists are in-network. The plan launched January 2026 and network details are still not fully transparent.
SA-22 Members (Hired April 1, 2012 or after)
1
Get a benefit estimate that includes the SS offset
Call NYCERS at 347-643-3000. Ask specifically for the estimate with the Social Security offset applied. Your gross percentage and your net benefit are not the same number.
2
Check your Social Security projected benefit
Go to ssa.gov/myaccount. Your projected SS benefit directly affects your SA-22 net pension calculation.
3
Track S7414 and S6486 in Albany
These bills restore 20-year retirement at 50% of FAS for SA-22 members. Follow through your union. Contact your state senator and assembly member and ask for their support.
4
Confirm age 35 eligibility
Your retirement requires 22 years of Allowable Sanitation Service AND minimum age 35. Confirm which constraint is binding for your specific situation.
Everyone
✓
Follow nycretirees.org
Subscribe to the mailing list. This organization has won multiple court battles protecting your healthcare in retirement. When they raise an alarm, pay attention.
✓
Support A7866 / S8388
These bills would give your retiree healthcare the same constitutional protection your pension has. Contact your state representatives and ask them to support it.
✓
Get supplemental coverage before you retire
Hospital indemnity, critical illness, and accident coverage fill the gaps your existing plans do not cover. Get quotes from Cigna, MetLife, or Aflac. The earlier you get critical illness coverage, the lower the premium.
NYCERS
347-643-3000
M–F, 8am–5pm · 340 Jay St, Mezz, Brooklyn mynycers.org
Local 831
212-964-8900
25 Cliff Street, New York Dental, vision, welfare fund usalocal831.com
Spotted something incorrect or outdated? Know something important that's missing? Email me directly. This guide gets better when workers who've lived it weigh in.