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Retirement System Eligibility and Enrollment Information
Detailed information can be found here:
If there has been a break in service of more than two years since your last pension contribution, you cannot contribute to your prior SPRS account. An application will be submitted to enroll you in a new SPRS account under the membership tier in effect at the time you return to SPRS employment.
However, if you are vested in your prior, inactive SPRS account, you may be able to transfer your old account to your new one. This type of transfer is called a “Tier-to-Tier Transfer.” The member must submit a Tier-to-Tier Transfer Form at the time of enrollment. It is important to note that by submitting a Tier-to-Tier Transfer, you waive all rights to retirement benefits under the original account
An Interfund Transfer happens when you start a new job that falls under a different retirement system. Your contributions and service credit are transferred from the former retirement system to the new one.
To be eligible for an Interfund Transfer:
Additional rules and restrictions apply to Interfund Transfers.
See the retirement system Member Guidebooks for detailed information.
Since your retirement allowance is based partly on the amount of service credit posted to your account at the time you retire, purchasing additional service credit – if you are eligible to do so – may increase your pension amount or let you retire sooner.
Only active members of the retirement system are permitted to purchase service credit. Members on a leave of absence must return to active employment before they can request to purchase service credit.
An online Purchase Estimate Calculator is available through MBOS
To obtain an estimate, please contact your Human Resources representative.
Estimates are based on your current posted salary. However, when the actual purchase cost is calculated by the NJDBP, your highest pensionable salary will be used.
For detailed information, see:
Applying to purchase service credit
You must apply to purchase service credit through MBOS
Note: Paper Applications to Purchase Service Credit are only accepted for:
To learn more about purchasing service credit, see:
If you have ended your New Jersey public employment, are not planning to return, and are not eligible to retire, you may withdraw your pension contributions. To withdraw the balance in a lump sum, you must no longer be working in any covered position.
If you are a “multiple member,” you cannot withdraw until you have terminated all jobs covered by the pension fund. By law, if you are on a leave of absence granted by your employer, withdrawal is not allowed. If you have a Workers’ Compensation claim or litigation pending, or if you have been dismissed and you have an appeal pending, your application cannot be processed until we receive required information from your employer.
To withdraw, you must complete the Application for Withdrawal through MBOS. Paper withdrawal applications are not accepted.
Once you apply for withdrawal, your former employer will be contacted to complete the Employer‘s Certification for Withdrawal. Your withdrawal claim cannot be paid until your former employer has completed this form.
Most members are covered by Group Life Insurance benefits.
Active employees —Noncontributory Group Life Insurance is provided by the employer through the retirement system. There is no cost to the member for coverage.
Conversion – When you retire, go on a leave of absence, or terminate your employment, coverage ends 31 days after you stop working. You may be eligible to convert your coverage to an individual policy.
Group Life Insurance publications
Paper Loan Applications are not accepted!
Members must submit loan requests through MBOS.
You can see your eligibility, the maximum amount you may borrow, and calculate various repayment options. Once you apply, you will receive confirmation that your Loan Application is received along with the date your loan check will be mailed.
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