| Vesting and final average salary |
|
|
| STATE |
Years required to |
Years used to calculate |
Highest % one may receive |
|
become vested |
final average salary |
of final average salary |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| States |
|
|
|
| Alabama |
10 |
3 |
no limit |
| Alaska |
8 |
3 |
no limit |
| Arizona |
5 |
3 |
no limit |
| Arkansas |
5 |
3 |
no limit |
| California |
5 |
3 up to 25 yrs. / 12 mos. over 25 yrs. |
no limit |
| Colorado |
5 |
3 |
75% |
| Connecticut |
10 |
3 |
75% |
| Delaware |
5 |
5 |
75% |
| Florida |
6 |
5 |
no limit |
| Georgia |
10 |
2 |
80% |
| Hawaii |
10 non contrib./5 contributing |
highest-paid 3 years |
no limit |
| Idaho |
5 |
3.5 years |
100% |
| Illinois |
5 |
4 |
no limit |
| Indiana |
10 - 15 |
5 |
no limit |
| Iowa |
4 (16 quarters) |
3 |
65% of highest three years |
| Kansas |
10 |
3 |
no limit |
| Kentucky |
5 |
5 |
no limit |
| Louisiana |
10 |
3 |
100% |
| Maine |
10 |
3 |
no limit |
| Maryland |
5 |
3 |
100% |
| Massachusetts |
10 |
3 |
80% |
| Michigan |
10 |
5 - basic plan/3 - MIP plan |
no limit |
| Minnesota |
3 |
highest-paid 5 |
100% |
| Mississippi |
4 |
4 |
no limit |
| Missouri |
5 |
3 |
100% |
| Montana |
5 fulltime |
3 |
58% |
| Nebraska |
5 |
3 |
no limit (2% x creditable years) |
| Nevada |
5 |
3 |
90% prior to 1985/75% after 1985 |
| New Hampshire |
10 |
3 |
no limit |
| New Jersey |
10 |
3 |
no limit |
| New Mexico |
5 |
5-Mar |
no limit |
| New York |
5 |
3, generally |
79%, generally |
| North Carolina |
5 |
4 |
no limit |
| North Dakota |
3 |
3 |
no limit per IRS statute |
| Ohio |
5 |
3 |
90% |
| Oklahoma |
10 |
5 |
no limit |
| Oregon |
any part of 5 calendar years |
3 |
no limit |
| Pennsylvania |
5 |
3 |
no limit |
| Rhode Island |
10 |
3 |
80% |
| South Carolina |
5 |
12 highest consecutive quartersÖ3 |
no limit |
| South Dakota |
3 |
all credited service |
no limit |
| Tennessee |
5 |
5 |
90% |
| Texas |
5 |
3 |
no limit |
| Utah |
4 |
3 |
no limit |
| Vermont |
5 |
3 |
no limit |
| Virginia |
5 |
3 |
no limit |
| Washington |
5 |
5 |
no limit |
| West Virginia |
5 |
5 |
100% |
| Wisconsin |
immediate |
3 |
70% |
| Wyoming |
4 |
3 |
no limit |
| |
|
|
|