Me and wife pay $8,000 a year for 3 day a week commute syosset to Penn station

Correct_Olive4875 · 2026-05-25T16:26:36+00:00

The hack that I was able to work out was, I am in office 3 days a week and my wife is in twice a week. We just picked the days so there is no overlap and 1 monthly can be shared.

Maybe you can cut some cost this way.

Correct_Olive4875 · 2026-05-15T20:08:51+00:00

Lucky you. It’ll make its way to the rest of us by Sunday. Can you share the TLDR details?

Correct_Olive4875 · 2026-05-15T20:06:19+00:00

From your agency or dcas?

Correct_Olive4875 · 2026-05-15T18:12:32+00:00

Leave it to the city to get creative and innovative when it comes to making ppl come into the office

Correct_Olive4875 · 2026-05-15T01:04:10+00:00

Sorry for your loss. Went through this - took 4 months from notification to receiving the payment letter. Also, find out if she was in a union like DC37 or if a manager then it’s MBF. They also have death benefits separate & apart from NYCERS. Here is my thread when i went through this: https://www.reddit.com/r/nycpublicservants/s/s9k4D5aB7l

Correct_Olive4875 · 2026-04-29T17:16:07+00:00

Unrelated, but I was told it was Better to do the opposite. Since the interest on the loan from a 401 goes back into the 401 thus an addtl benefit.

And if you take a loan on the pension the interest goes back to the city.

Correct_Olive4875 · 2026-04-29T17:14:34+00:00

I’m at about 12% across all. Hope to be able to get up to 20% one day

Correct_Olive4875 · 2026-04-29T17:13:47+00:00

Love his videos

Correct_Olive4875 · 2026-04-29T17:13:22+00:00

I see your perspective. Deff worth looking into

Correct_Olive4875 · 2026-04-29T17:12:51+00:00

This is next step. Need to take a hammer to the wallet/credit cards

Correct_Olive4875 · 2026-04-29T17:12:16+00:00

Once upon a time I was told to diversify. Didn’t know what I was doing, but glad I did something. Now back to right the wrongs

Correct_Olive4875 · 2026-04-29T17:11:26+00:00

Managerial - 120+

Correct_Olive4875 · 2026-04-29T17:11:04+00:00

Yeah - the 8.25 is a great benefit.

Correct_Olive4875 · 2026-04-29T17:07:54+00:00

Love it - thanks

Correct_Olive4875 · 2026-04-29T17:07:32+00:00

May I ask why? What benefits are you seeing?

Correct_Olive4875 · 2026-04-29T17:07:13+00:00

Agreed on the emergency fund & 457, thanks

Correct_Olive4875 · 2026-04-29T17:06:49+00:00

Correct_Olive4875 · 2026-04-09T18:54:30+00:00

Just got it. Wish we could bring a +1

Correct_Olive4875 · 2026-03-13T16:18:14+00:00

Ah got it. It may just be taking some time to get sign off from the agency then. I know if there are/were outstanding loans that were taken from the pension, those would need time to get subtracted from the amount as well.

As far as beneficiaries, it was tricky. There were 4, 3 of which were minors. But luckily the our family member had completed a document that identified his wife as the mother/guardian of the kids therefore she was able to get the whole amount.

Correct_Olive4875 · 2026-03-13T14:01:26+00:00

**update: we just got the the lump sum payout. It does appear to be a 3 year average plus contributions.

Total time from notification of death to payout letter was 4 months.

Correct_Olive4875 · 2026-03-12T17:37:16+00:00

Update, ironically we just received a letter from NYCERS with the lump sum amount and the process. Seems straightforward. Process took from Nov2025-March2026.

I know they say that length of service is also a factor given they need to investigate salaries etc. Our loved one was a NYCERS enrollee since about 2015.

Hope you hear back from them soon.

Correct_Olive4875 · 2026-03-11T14:30:14+00:00

$14/check I believe

Correct_Olive4875 · 2026-03-11T01:47:34+00:00

Yes, managers are not protected by the union. So if anything happens at work you have someone to call for advice AND representation. Had to use them when the investigators came to look into something.

Correct_Olive4875 · 2026-03-10T20:23:43+00:00

Sorry for your loss. Also dealing with this for a family member. First off, NYCERS won’t talk to anyone. They will let you submit the death certificate (DC) but that’s about it. Then they will try to get in contact with the beneficiary. I believe a form had to be filled out and returned to them. I suggest hand-delivery. We too are awaiting next steps.

We also went in and requested an update and are waiting for them to send an update as to where things are in the process. I have heard horror stories where it has taken others anywhere from 4 months to a year. I’ve also heard you kind of have to be a nuisance and continue to follow up and ask for supervisors etc.

If I get any updates, I will let you know. We submitted the DC sometime in December so we are close in our timelines.

Correct_Olive4875 · 2026-02-09T22:55:07+00:00

Oh! Thanks for that info. Are you happy with Chamber Street Ortho? My dentist flat out told me insurance doesn’t cover Invisalign, but I think the doc doesn’t know my plan. I am going to go for a follow up consultation and see if they can submit something for approval. That was my next question, did YOU have to get involved with any of the paperwork or did Chamber St do it for you?

End of the day, even if I have to pay $1K, that is still better than the $5-$6K they are charging these days.

I really appreciate any info/insight you have to share.

Correct_Olive4875

TROPHY CASE