when can a teacher retire in illinois?

To shore up the $46 billion pension debt the state has accrued over the past several decades, Illinois has been using its teachers as a piggy bank. Retirees who benefit from one to 1.5 years of sick leave will cost over $1.45billion. As the newly elected mayor of Chicago, Brandon Johnson just inherited what is arguably the worst teacher retirement plan in the country.. That's a big claim, so let's walk through some numbers. If so, keep reading. The retirement process begins with you contacting us about your plan to retire and ends approximately 60 to 90 days after your retirement date when you receive your first annuity payment. These cookies will be stored in your browser only with your consent. In every state, a teacher who leaves prior to vesting is eligible to withdraw his or her own contributions, sometimes with interest, but few states allow those employees to collect any portion of the employer contributions made on their behalf. Spread the loveFor the past few decades, our countrys educational system has seen both struggle and tremendous change. Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. Add or drop dependent coverage. In 2021, the system was 41.91% funded and was short $33.1 billion in pension funds. Illinois's benefit tiers can be foundhere. The Edvocate plans to be one of key architects of this revival, as it continues to advocate for education reform, equity, and innovation. What are the retirement benefits for teachers in Illinois? Many states also offer teachers the option to retire early with a reduced benefit. Atretirement,teachers can use these accumulated sick days as credit toward their starting pension benefit,with each unused sickday treated as an additional day spent in the classroom. The test doesnt question whether the benefits provide by the plan exceed the contributions required from the employees. While sick leave is necessary for working teachers, letting unpaid sick leave accumulate for the purpose ofboostingpensions is an expensive perk that taxpayers cannot afford. You may work in a TRS-covered position for 120 days or 600 hours each school year and not lose benefits. In general, TRS teachers can claim retirement benefits when they end active service with Illinois Public Schools (IPS) and meet the following age and . You must keep Medicare Parts A and B and continue to pay the applicable Medicare premiums, including applicable IRMAA (Income Related Monthly Adjustment Amount) surcharges. But will they? We also use third-party cookies that help us analyze and understand how you use this website. * * *. 120 days This cookie is set by GDPR Cookie Consent plugin. And if you ask yourself, how can benefit plans which are so expensive that politicians cant fund them properly, have such poor results in this analysis? that demonstrates, in part, the extent of the inequality between some workers and others, that you get with these sorts of plans. If so, keep reading. Ted Dabrowski, Why Illinois Shortchanges People Dependent on Government Services, Illinois Policy Institute, June 9, 2016. Medicare Advantage plans are required to cover all services covered by Original Medicare. Normal Retirement Eligibility: (Age/Years of Service), Early Retirement Eligibility: (Age/Years of Service), Teachers' Retirement System (TRS) - Tier 1, Teachers' Retirement System (TRS) - Tier 2, Hired on or after July 1, 1990 and before July 1, 2006, Hired on or after Jan. 1, 1984 and before July 1, 2011, California State Teachers' Retirement System (CalSTRS), Public Employees' Retirement Association (PERA), Hired before July 1, 2005; vested on January 1, 2011, Hired after June 30, 2005 and before January 1, 2007; vested on January 1, 2011, Hired after December 31, 2006 and before January 1, 2011, Hired on or after Jan. 1, 1997 and before Jan. 1, 2012, District of Columbia Teachers' Retirement Plan, Florida Retirement System Pension Plan: Regular Class, Florida Retirement System Investment Plan, Teachers Retirement System of Georgia (TRS), Employees Retirement System of the State of Hawaii (ERS) - Contributory Plan for General Employees, Employees Retirement System of the State of Hawaii (ERS) - Noncontributory Plan, Hired on or after July 1, 1984 and before July 1, 2006, Employees Retirement System of the State of Hawaii (ERS) - Hybrid Plan, Hired on or after July 1, 2006 and before July 1, 2012, Public Employee Retirement System of Idaho (PERSI), Teachers' Retirement System of the State of Illinois, Iowa Public Employees Retirement System (IPERS), 62/20; 65/4; 55 and AGE + YOS = 88; 70 and still working for IPERS, 62/20; 65/7; 55 and AGE + YOS = 88; 70 and still working for IPERS, Kansas Public Employees Retirement System: School Tier 1, Kansas Public Employees Retirement System: School Tier 2, Hired on or after July 1, 2009 and before Jan. 1, 2015, Kansas Public Employees Retirement System: School Tier 3 (Cash Balance), Hired on or after July 1, 1983 and before July 1, 2002, Hired on or after July 1, 2002 and before July 1, 2008, Hired on or after July 1, 1999 and before Jan. 1, 2011, Maine Public Employees Retirement System: State and Teacher's Retirement Program, Hired on or after July 1, 1983 and before Oct. 1, 1989, Hired on or after Oct. 1, 1994 and before July 1, 2006, Maryland State Retirement and Pension System: Teachers' Pension System, Hired between Jan. 1, 1980 and July 30, 2011, Massachusetts Teachers' Retirement System, Hired on or after Jan. 1, 1979 and before Jan. 1, 1984, Hired on or after Jan. 1, 1984 and before July 1, 1996, Hired on or after July 1, 1996 and before July 1, 2001, Hired on or after July 1, 2001 and before April 1, 2012, Public School Employees' Retirement System - Basic, Hired before January 1, 1990 and retired before February 1, 2013, Public School Employees' Retirement System - Member Investment Plan (MIP) Fixed - Option 1, Hired before January 1, 1990, elected MIP plan - 25 YOS on February 1, 2013 (Option 1), Public School Employees' Retirement System - Member Investment Plan (MIP) Fixed - Option 2, Hired before January 1, 1990, elected MIP plan - 25 YOS on February 1, 2013 (Option 2), Public School Employees' Retirement System - Member Investment Plan (MIP) Fixed - Option 3, Hired before January 1, 1990, elected MIP plan - 25 YOS on February 1, 2013 (Option 3), Public School Employees' Retirement System - Member Investment Plan (MIP) Fixed - Option 4, Hired before January 1, 1990, elected MIP plan - 25 YOS on February 1, 2013 (Option 4), Public School Employees' Retirement System - Member Investment Plan (MIP) Graded - Option 1, Hired after December 31, 1989 and before July 1, 2008 - 20 YOS on February 1, 2013 (Option 1), Public School Employees' Retirement System - Member Investment Plan (MIP) Graded - Option 2, Hired after December 31, 1989 and before July 1, 2008 - 20 YOS on February 1, 2013 (Option 2), Public School Employees' Retirement System - Member Investment Plan (MIP) Graded - Option 3, Hired after December 31, 1989 and before July 1, 2008 - 20 YOS on February 1, 2013 (Option 3), Public School Employees' Retirement System - Member Investment Plan (MIP) Graded - Option 4, Hired after December 31, 1989 and before July 1, 2008 - 20 YOS on February 1, 2013 (Option 4), Public School Employees' Retirement System - Member Investment Plan (MIP) Plus, Hired after June 30, 2008 and before July 1, 2010 (MIP Plus), Public School Employees' Retirement System - Pension Plus Plan (PPP), Hired after June 30, 2010 (Pension Plus Plan), Minnesota Teachers Retirement Association, Mississippi Public Employees' Retirement System, Hired on or after July 1, 2007 but before July 1, 2011, Public School Retirement System of Missouri, Montana Teacher's Retirement System (TRS), Nebraska School Employees' Retirement System, Nevada Public Employees' Retirement System, Hired on or after July 1, 2001 and before Jan. 1, 2010, Hired on or after Jan. 1, 2002 and before July 1, 2009, Hired on or after July 1, 2009 and before July 1, 2011, New Jersey Teachers' Pension and Annuity Fund, Hired on or after July 1, 2007 and before Nov. 2, 2008 (Tier 2), Hired on or after Nov. 2, 2008 and before May 22, 2010 (Tier 3), Hired on or after May 22, 2010 and before June 28, 2011 (Tier 4), Hired on or after July 1, 2010 and before July 1 , 2013, New York State Teachers' Retirement System, Hired on or after July 27, 1976 and before Jan. 1, 2010 (Tiers 3 & 4), Hired on or after Jan. 1, 2010 and before April 1, 2012 (Tier 5), Teachers' and State Employees' Retirement System (TSERS), North Dakota Teachers' Fund for Retirement, Hired before July 1, 2008 and age 55 by July 1, 2013, Hired before July 1, 2008 and younger than 55 on July 1, 2013, Hired on or after July 1, 2008 and retire after July 1, 2013, Retiring on or after Aug. 1, 2015 and before Aug. 1, 2017, Retiring on or after Aug. 1, 2019 and before Aug. 1, 2021, Oklahoma Teachers Retirement System (TRS) - Low Base, Hired after June 30, 1979 and before July 1, 1992, Oklahoma Teachers Retirement System (TRS) - High Base, Hired after June 30, 1992 and before July 1, 1995, Hired after June 30, 1995 and before November 1, 2011, Oregon Public Employees Retirement System: Tier One, Oregon Public Employees Retirement System: Tier Two, Hired on or after Jan. 1, 1996 and before Aug. 29, 2003, Oregon Public Employees Retirement System: OPSRP, Pennsylvania Public School Employees' Retirement System (PSERS) - Class T-C, Pennsylvania Public School Employees' Retirement System (PSERS) - Class T-D, Hired after June 30, 2001 and before July 1, 2011, Pennsylvania Public School Employees' Retirement System (PSERS) - Class T-E, Hired on or after July 1, 2011, Class T-E, Pennsylvania Public School Employees' Retirement System (PSERS) - Class T-F (Optional), Hired on or after July 1, 2011, Class T-F, Employees' Retirement System of Rhode Island (ERSRI) - Schedule B2, Hired after September 30, 2009 and before July 1, 2012, Employees' Retirement System of Rhode Island (ERSRI) - Schedule AB, Employees' Retirement System of Rhode Island (ERSRI), 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, Tier 2: hired after Sept. 1, 1980 and on or before Sept. 1, 2007, and not in Tier 1, Hired after June 30, 1975 and before July 1, 1986, Hired after June 30, 1986 and before July 1, 2011, Tier 2 Public Employees Contributory Retirement System, State Teachers' Retirement System of Vermont, Hired on or after July 1, 1981 and before July 1, 1985 (or at least age 57 on July 1, 2010), Hired on or after July 1, 1985 (and younger than age 57 on July 1, 2010), Virginia Retirement System (VRS) - Plan 1, Hired before July 1, 2010 and vested on January 1, 2013, Virginia Retirement System (VRS) - Plan 2, Washington Teachers' Retirement System (TRS) - Plan 2, Hired after September 30, 1977 and before July 1, 1996, Washington Teachers' Retirement System (TRS) - Plan 3, Hired after June 30, 1996 and before May 1, 2013. Spread the loveOne of the questions that I am frequently asked is, what does a good teacher look like? 15 Strategies to Help Students Who Respond How to Renew or Reinstate a Teachers License in Arkansas, How to Renew or Reinstate a Teachers License in Maine, How to Renew or Reinstate a Teachers License in Hawaii, How to Renew or Reinstate a Teachers License in West Virginia, How to Renew or Reinstate a Teachers License in Alabama, How to Renew or Reinstate a Teachers License in Maryland, 18 Reasons the U.S. Education System is Failing, The Top 5 Unexpected Benefits of Early Childhood Education. As they work, teachers and their employers must contribute into the plan. Thats not to say that teachers themselves have done anything wrong. After Age 60, You Still Can Find A New Career As A Firefighter. Nominations for the 2023 Tech Edvocate Awards Start on May 23, 2023. Regardless, over 70 percent of current TRS retirees receive some pension benefits from the sick-leaveperk. A retired Tier I member may work in a TRS-covered position for 120 days or 600 hours each school year and not lose benefits. (Strictly speaking, Social Security has a sort of vesting in its coverage requirements, but those are met by work history over multiple employers.) This excludes any debt cost. And the authors did not provide a listing of which of the plans in their study were relatively more or less generous, nor whether more generous plans were more or less funded than the parsimonious ones, nor considering that they evaluated only new hires benefits whether those which are low, are low because those are plans which had historically been low, or reflect new benefit cuts in response to low funding ratios. age 55Retirement eligibility for Tier I teachers and administrators is set according to a sliding scale: Members can retire at age 55 with full benefits if they have 35 years of service credit accumulated if the member has elected to have his/her pension determined by the 2.2% formula and paid the . Amortization cost: The annual cost of a pension funds contribution toward any unfunded liabilities. As a bonus, they can add to their service calculation two years of unused sick leave, as well as non-vested time spent teaching out-of-state, if they pay the employee contribution (but not the employer cost) for that service. The MAPD plans are not permitted to consider the deductible(s) you might have already paid in your other plan. [1], https://www.teacherpensions.org/state/illinois. School district officials would be more likely to exercise fiscal restraint and bargain harder against perkssuch as thesick-leave benefit if they had to bear the full cost of their employees compensation, includingteachers salaries,benefits and pension costs.11, Third, Illinois must follow the lead of the private sector and other states and move away from its brokenpensionsystem. Additionally, Illinois allows early retirement once educators reach age 55 and are no longer working. comeback These cookies track visitors across websites and collect information to provide customized ads. Normal cost: The annual cost of retirement benefits as a percentage of teacher salary. The Importance of Mentoring Young African-American Males, 7 Ways That Black Students are Discriminated Against in U.S K-12 Schools, 6 Steps to Data-Driven Literacy Instruction, Four Keys to a Modern IT Approach in K-12 Schools. For each state pension plan, the table provides the normal and early retirement ages applicable to teachers based on their hire date and relevant benefit tier. When you leave before vesting, you do get to take any money you contributed into the retirement plan, plus interest that typically ranges from 1.5% to 7%, depending on the state. In Illinois, public school teachers and other members of TRS can accumulate unpaid sick days throughouttheircareers, rolling over unused days from year to year to amass up to two years worth of sick days. Those reductions are permanently locked in once the employee begins collecting their benefit. New legislation adopted in December 2013 will raise the retirement age for mid-career workers and limit the amount retiree pensions can increase with inflation over time. The plan offered through the TRAIL Program is a Medicare Advantage plan which includes prescription drug coverage. During these 4 years, you have to also complete one of the following PD options: Once you obtain your Standard License, it is good for 5 years, after which time it has to be renewed. Over 6,800 TRS retirees will each receive over $100,000 in additional pension benefits due to accumulatedsickleave. Golden Apple, a non . Spread the loveThe Talent Search Initiative has as its aim; the identification of high-performing students by organizing specific tests. Pensions are Strangling Illinois Education Budgets, Chicago Teachers Nearing Retirement Paid a Big Price in Striking, Social Security, Teacher Pensions, and the Qualified Retirement Plan Test, Highest avg. Going forward, school districts should pay for the yearly pension costs of theirteachers. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". In total, over 73,000 retired teachers and other school workers are taking advantage of this perk,which will cost taxpayers nearly $3.4 billion over the next three decades. The remaining 22.59 percent state contribution is to pay down the pension fund's debt. The Illinois Teachers Retirement System (TRS) is a defined benefit pension plan. This is a BETA experience. You may work in a non-covered part-time teaching position or an adjunct teaching position with your former employer and continue to receive your retirement benefits, provided you have a bona fide break in service of at least one full calendar month from your retirement date over a period you normally would work. (The Center Square) - Retired teachers can work more hours in the classroom without impacting their pension benefits under a measure signed by Gov. Of the 103,700 currently retired TRS members, over 73,000 receive additional pension benefits due tounpaid sickleave. TRS allows for an unreduced retirement annuity with the following: Age 55 with 35 years of service Age 60 with 10 years of service Age 62 with 5 years of service TRS Tier 2 requires age 67 and 10 years of service Tier 2 does allow for a permanently reduced annuity between the ages of 62-67 with 10 years of service. In 2000,just 75 percent of school districts granted that perk.6, For example, the contract between the Wilmette Education Association and Wilmette Public Schools District39allows teachers to amass more than two (school) years worth of sick days after 20 years of teaching.7, Each Bargaining Unit Member shall be entitled to a total of sixteen (16) days of sick leave withfull pay per schoolterm during the first ten (10) years of District service. New teachers should be given self-managed retirement plans, and current workers should have the optiontoparticipate in self-managed plans.13Both can be done without a change to the Illinois Constitution. Illinois taxpayers are paying for pension perks, including sick-leave benefits, at the expense of fundingservices forIllinoisans most in need. Go to this page to learn more about Applying for and Receiving Your Retirement Benefits. This is capped at a monthly reduction of $558 maximum WEP reduction (for 2023). How many days can you work in Chicago Public Schools? Spread the loveAre you looking for strategies to teach kids not to interrupt classmates during learning experiences? See the table below for the normal and early retirement ages in your state. Upon retirement, that sick leave is applied to teachers years of service, which inturn boosts their pension benefits. Spread the loveGifted children are those who demonstrate exceptional potential in one or more areas of intelligence, such as academics, arts, athletics or leadership. Not all teachers qualify for a pension. Ontario Teachers' Pension Plan (OTPP), Canada's third largest pension fund, closed down its China equity investment team based in Hong Kong last week, several sources with knowledge of the matter . Your current health plan may cover services that Original Medicare does not cover. You may opt-out by. Medicare Advantage Plans are not a Medicare Supplement plan. Nearly 70 percent of teachers retire in their 50s, all receive 3 percentcompounded cost-of-living adjustments annually in retirement, and employee contributions remain out ofsync with the $2.2 million anaverage career teacher receives in retirement benefits.9. And it doesnt require a cost-of-living adjustment, without which fixed-income pensions will lose ground relative to Social Security even if benefits are equal at retirement. Updated: Dec 20, 2021 / 10:39 AM CST. 1. Illinois State Board of Education, Illinois Teacher Salary Study 2014-2015, (April 2015). Sick leave shall be interpreted to mean illness,quarantine at home, orserious illness in the immediate family for which purposes of this sectionshall include: spouse, domestic partners,brothers, sisters, children, step-children, grandparents,grandchildren, parents-in-law, brothers-in-law, sisters-in-law, legal guardians, parents or othersresiding in the household.. What Age Can A Teacher Retire In Illinois. Your renewal request will be processed, and a recommendation for renewal or non-renewal of your teaching license will be sent to the State Teacher Certification Board electronically. You may re-enroll throughout the plan year and coverage will be effective the first of the month following your enrollment request or during your annual TRAIL MAPD Enrollment Period. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. 1 How many days can a retired teacher teach in Illinois? In Illinois, for example, Tier 1 teachers can retire at any age, after 35 years of service, without any reduction to their benefit, and receive 75% of their pay with automatic 3% increases each year. Over 6,800 TRS retirees will receiveover$100,000 in additional pension benefits, and the top 10 beneficiaries of the sick-leave perk will seetheir lifetimepension benefits boosted by $350,000 or more. The sick-leave perk can boost retirees pension benefits significantly. In 2000,just 75 percent of school districts granted that perk. Most public school teachers participate in final average salary (FAS) defined-benefit (DB) pension plans, which guarantee retirees a lifetime payment stream based on their years of service and the salary they received near the end of their career. The legislation was filed by state Rep. Janet Yang Rohr, D-Naperville, and would allow retired teachers to return to the classroom for 140 days or 700 paid hours, without having to . Illinois is spending more on pension costs than it is on K-12 or higher education. The TRAILMAPD health plan provides all of your Part A (hospital) and Part B (doctor and outpatient) benefits, including emergency and urgent care, and Medicare Part D (prescription drug) coverage. The content on this page may no longer be in effect. For example, a teacher who works for 25 years with a final average salary of $70,000 would be eligible for an annual pension benefit worth 55 percent of their final salary. Click on or Hover Over The Tech Edvocate Menu Item to Find More Info. Government workers who earngenerouspension benefits have benefited from labor negotiations that have led to lucrative compensationpackages. Bottom 10 Ranking States Grades Careful retirement planning is especially important if you're among the 40% of teachers who won't receive Social Security benefits. However, Illinois taxpayers can no longer afford to offer such benefits going forward. How Much Does Illinois's Teacher Pension Plan Cost? You have to also submit the PD activities you finished during the past 5 years . The system was established in 1939 and is the largest public retirement system in the state. The state sets specific windows when teachers can retire with benefits based on age and years of experience. Use theApplication for Reinstatementand mail it, along with an official transcript showing that you have obtained nine credit hours of credit in your content area in the past 5 years, and the applicable fee, to the Illinois State Board of Education, Educator Certification Division, 100 North First Street, S-306, Springfield, Illinois 62777-000. You notice that the later you became a TRS member, the less favorable the normal retirement age will be. If you were a teacher who has recently retired but is still interested in affecting the lives of students, consider getting back in the game as a substitute teacher. School districts have an incentive to offer sick leave as a benefit to teachers and other district workersbecause itcosts the districts nothing. Although these plans ought to provide benefits that are the equivalent of the combination of Social Security and a private-sector retirement plan, federal law requires that, at a minimum, they must provide benefits at least as good as those provided by Social Security, and has established a Safe Harbor formula that determines whether plans comply with these rules: if a plan pays a benefit of at least 1.5% of pay, averaged over the last three years of service, and beginning no later than Social Security retirement age, then the plan is considered qualified and the state/town/school district can opt out of Social Security. They used a set of assumptions to calculate workers lifetime pension wealth, and a counterfactual Social Security wealth, to calculate, across all employees in a system and their likelihood to make it to retirement, and based on the benefits available for newly hired employees (taking into account, that is, reductions for new tiers), the wealth ratio for a given plan. Oswego Police Chief Jeff Burgner has announced he will retire next month after being at the helm of the police department since 2014. This is default text for notification bar, How to Renew or Reinstate a Teachers License in Illinois, Finalists and Winners of The 2023 Tech Edvocate Awards, Finalists and Winners of The 2022 Tech Edvocate Awards, Finalists and Winners of The 2021 Tech Edvocate Awards, Finalists and Winners of The 2020 Tech Edvocate Awards, Finalists and Winners of The 2019 Tech Edvocate Awards, Finalists and Winners of The 2018 Tech Edvocate Awards, Finalists and Winners of The 2017 Tech Edvocate Awards, Teaching Students About Consonant Clusters, Teaching Students About Flowering Plant Life Cycle, National Board for Professional Teaching Standards (NBPTS). Currently, Illinois law allows retired teachers to substitute teach for up to 120 days or 600 hours without jeopardizing their retirement status. Illinoisans now owe teachers over $108 billion in accrued pension benefits, at least $3.4 billion of which isdue tothe sick-leave benefits of retired teachers.10. Leaving these teachers out of the overall pool obscures who gets counted in the "average pension." 2. However, you may visit "Cookie Settings" to provide a controlled consent. Are there limits to how many days a teacher can work after retirement? Any age, when your age (years & whole months) plus years of service credit (years & whole months) equal 85 years (1020 months) (Rule of 85). Beginning with theeleventh (11th) year of District serviceeach member shall be entitled to seventeen (17) days peryear of sick leave. If you do not want TRAIL MAPD coverage or do not enroll in the Aetna MAPD PPO plan, you will be waived from TRIPs coverage. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. and Terms of Service apply. 7 Are there limits to how many days a teacher can work after retirement? Like most states, teachers need to serve a number of years before qualifying for a pension. It is important to note, however, that the state assesses an educators final salary based on the average of their highest years of salary during 8 consecutive years out of the final 10 of their career. The two years of unpaid sick leave will give her two extra years of service credit, boosting her startingpension to$73,304 (34 years of service, multiplied by 2.2 percent per year = 74.8 percent of final averagesalary). Overall, thosetwo years of sick leave will give that teacher over $165,000 in additional pensionbenefits over the course of herretirement. However, your benefit will be suspended if the limit is exceeded. The TRS pension benefit formula grants teachers 2.2 percent of their final average salary for each year ofservice, to amaximum of 75 percent, to determine their starting pensions. Your feedback is very important to us. 300 S. Riverside Plaza | 1650 | Chicago, IL 60606 Under current pension rules, teachers can accumulate up to two years ofunpaid sick leave. According to member data received directly from TRS, nearly 90 percent of the states currently retired TRSmembers received some service credit for unpaid sick days. This cookie is set by GDPR Cookie Consent plugin. In total, unpaid sick-leave benefits will cost Illinois taxpayers nearly $3.4 billion over the next three . For example, take a hypothetical career teacher who recently retired at the age of 58 with 32 years ofservice and afinal average salary of $98,000. The state sets specific windows when teachers can retire with benefits based on age and years of experience. This means that someone who enters teaching before age 25 with a bachelors and accumulates 30 or more years of service can usually retire sometime between age 55 and 60. While educators qualify for a pension after 10 years of service, the pension may not be worth all that much. When you enroll in a Medicare Advantage Prescription Drug (MAPD) plan, you are no longer in Original Medicare, but still have the same covered services and the same rights and protections as people with Original Medicare.
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