Eligible employees will be enrolled in a pension that is administered by the NJ Division of Pensions and Benefits.

Alternate Benefit Program (ABP)

The Alternate Benefit Program (ABP) is a defined contribution plan. Please click on the above link to get enrollment and eligibility information.

Public Employees Retirement System (PERS)

PERS is a defined benefit plan where retirement benefit is based on a formula.  Please click on the above link to get enrollment and eligibility information.

Police and Fireman's Retirement System (PFRS)

PFRS is a defined benefit plan where retirement benefit is based on a formula.  Please click on the above link to get enrollment and eligibility information.

Defined Contribution Retirement Program

DCRP is a defined benefit plan where retirement benefit is based on a formula.  Please click on the above link to get enrollment and eligibility information

Pension Loans

Eligible employees may qualify to apply for a pension loan.  Please click on the above link to get eligibility information and application instructions.