Discovering Retirement

Table of Contents

Preface

A Closer Look at Your NYSTRS Benefits

• Getting NYSTRS Information
• Options and Beneficiaries
• Tiers 2-5 Death Benefit
• Automatic Cost-of-Living Adjustment (COLA)
• Tax Considerations
• Health Insurance Coverage
• Paying for Union Programs
• Retired Member Trustee Election

Challenges and Opportunities

• Volunteering
• Traveling
• Teaching and Tutoring Around the World
• Caregiving
• Returning to Work
• Earnings Considerations

Protecting Your Wealth & Health

• Will
• Trust
• Power of Attorney
• Health Care Proxy and Living Will
• Long-Term Care
• Organizing Your Records

Deciding to Relocate

• First Steps
• Community Services
• Leisure Activities
• Housing Checklist
• Cost of Living
• Climate
• Housing Choices

Your Other Benefits:  Social Security and Medicare

• Social Security and NYSTRS Benefits
• Getting Information
• Benefit Eligibility
• Calculation of Benefit
• Full or Reduced Benefits
• Family Coverage
• Disability and Survivor Benefits
• Applying
• Taxes
• Cost-of-Living Adjustment
• Social Security Earnings Limits
• Benefits for Divorced People
• Medicare

Sources of Information

• Information Sources
• General Interest
• Eldercare
• Finance
• Health
• Housing
• Legal
• Retirement
• Travel
• Volunteering
• Working