New Jersey 2026-2027 Regular Session

New Jersey Senate Bill S3625

Introduced
2/19/26  

Caption

Establishes alternate calculation of retirement benefits for members of TPAF and PERS.

Summary

S3625 would create an optional alternate method for calculating retirement benefits for members of the Teachers’ Pension and Annuity Fund (TPAF) and the Public Employees’ Retirement System (PERS). After a member submits a completed retirement application, the Division of Pensions and Benefits would send an initial notice showing the final compensation figure that will be used under current law. The retiree or designated beneficiary would then have 60 days to request a recalculation using the member’s average annual compensation from any three calendar years of membership that produces the largest benefit. If a recalculation is requested, the Division, in consultation with the relevant board of trustees, would have 30 days to send a second notice showing the recalculated amount. The member or beneficiary would then have 30 days to approve that alternate calculation; if they do not, the original calculation would control. The bill also creates a one-year window for members who retired after January 1, 2025 and are already receiving benefits on the bill’s effective date to seek recalculation, but any increase would apply only prospectively and would not generate retroactive payments.

Impact

The bill would amend the retirement-benefit administration rules for TPAF and PERS by adding a new election process for determining final compensation, supplementing existing definitions in Title 18A and Title 43. It would require the Division of Pensions and Benefits to issue notices, process recalculation requests, consult with the boards of trustees, and adopt any necessary implementing regulations. For affected retirees and beneficiaries, the measure could increase monthly benefit amounts if the alternate three-calendar-year calculation is more favorable, but it expressly bars retroactive lump-sum adjustments for past payments.

Sentiment

The bill text and available context do not include committee testimony or recorded votes, so there is no documented public debate to gauge support or opposition. Based on the structure of the proposal, the measure appears designed to provide a benefit-enhancing option for certain public retirees and their beneficiaries, suggesting a generally favorable policy intent toward members of the pension systems. However, the absence of voting history or transcripts means the level of legislative support cannot be determined from the provided materials.

Contention

The main policy issue is the change from the existing final-compensation calculation to an optional alternate method using any three calendar years of membership, which could increase benefits for some retirees while adding administrative complexity for the Division of Pensions and Benefits. Another likely point of concern is the bill’s limited retroactivity: retirees who already began receiving benefits after January 1, 2025 may seek recalculation, but they cannot receive back pay for amounts already paid before the effective date. No specific lawmakers, unions, administrators, or other stakeholders are identified in the provided record as taking a position for or against the bill.

Companion Bills

NJ S4111

Carry Over Establishes alternate calculation of retirement benefits for members of TPAF and PERS.

NJ A6318

Carry Over Establishes alternate calculation of retirement benefits for members of TPAF and PERS.

Similar Bills

US HB1357

Susan Muffley Act of 2025

US HB1895

Delphi Retirees Pension Restoration Act

NJ S4429

Permits TPAF and PERS retirees to change named beneficiary upon death of previously named beneficiary.

WV HB5056

Permit beneficiary under the State Teachers Retirement System to convert to the maximum life annuity if the spouse dies within the first five years of the beneficiary’s retirement

CA SB939

Public employees’ retirement: service credit: payments.

NM HB251

Ed. Retirement Beneficiary Changes

WV HB2508

Permit beneficiary under the State Teachers Retirement System to convert to the maximum life annuity if the spouse dies within the first five years of the beneficiary’s retirement

US SB1950

Susan Muffley Act of 2025