New Jersey teacher retirement system

New Jersey TPAF pension guide

New Jersey’s Teachers’ Pension and Annuity Fund assigns teachers a membership tier based on eligibility date and position rules.

Tier 4 eligibility fell between May 21, 2010 and June 28, 2011.Tier 5 eligibility begins June 28, 2011.Current tier is determined by eligibility date, not a choice.

New Jersey teacher pension guide card with the TPAF plan name

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Tiers

New Jersey TPAF Tier 4 vs Tier 5: Teacher Rules for 2026

Compare New Jersey TPAF Tier 4 vs Tier 5 by eligibility date, retirement age, service, salary formula, and rules teachers should verify with NJDPB.

9 min readUpdated October 3, 2026

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