What is the New York State Deferred Compensation Plan and how does it differ from the retirement (pension) plan offered by the State?

The New York State Deferred Compensation Plan (the Plan) is a voluntary retirement savings program, created by federal and state law. The Plan permits government employees to defer up to 100 percent of compensation (up to an annual maximum amount) after any required salary deductions (such as retirement system contributions, social security and Medicare taxes, health plan premiums, union dues or agency shop fees, etc.). The amount contributed is not subject to current federal or State income taxes and earnings accumulate tax-deferred until the amounts are distributed, usually during retirement.

The Plan differs from the New York State Employees Retirement System in several important ways. The State as an employer contributes toward the retirement system, but does not contribute toward an employee's deferred compensation plan account. Participation in the Plan is voluntary.

Participation in the State retirement system is generally required by law. The State retirement system is a ...

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