<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="//cms.nycers.org/app/plugins/wordpress-seo/css/main-sitemap.xsl"?>
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd http://www.google.com/schemas/sitemap-image/1.1 http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>https://cms.nycers.org/faq/when-does-nycers-begin-to-take-pension-contributions-from-my-paycheck/</loc>
		<lastmod>2026-05-01T06:27:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/where-can-i-find-a-copy-of-my-retirement-receipt/</loc>
		<lastmod>2026-05-01T06:39:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/what-supporting-documents-does-nycers-need-to-process-my-beneficiary-designation/</loc>
		<lastmod>2026-05-01T06:39:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/where-can-i-download-a-medicare-part-b-income-related-monthly-adjustment-amount-irmaa-reimbursement-form/</loc>
		<lastmod>2026-05-01T06:39:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/do-i-qualify-to-take-out-a-loan/</loc>
		<lastmod>2026-05-01T06:43:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/how-do-i-apply-for-a-loan-online/</loc>
		<lastmod>2026-05-01T06:43:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/what-is-the-interest-rate-for-a-loan/</loc>
		<lastmod>2026-05-01T06:43:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/how-often-can-i-borrow/</loc>
		<lastmod>2026-05-01T06:43:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/will-my-loan-be-taxed/</loc>
		<lastmod>2026-05-01T06:43:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/why-is-my-loan-pay-off-amount-lower-than-my-total-outstanding-loan-amount/</loc>
		<lastmod>2026-05-01T06:43:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/where-can-i-get-more-information-on-the-website-about-loans/</loc>
		<lastmod>2026-05-01T06:43:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/how-are-loans-paid-back/</loc>
		<lastmod>2026-05-01T06:43:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/what-types-of-service-can-i-get-credit-for/</loc>
		<lastmod>2026-05-01T06:44:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/when-am-i-eligible-to-collect-retirement-benefits/</loc>
		<lastmod>2026-05-01T06:45:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/how-is-my-retirement-benefit-calculated/</loc>
		<lastmod>2026-05-01T06:45:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/is-my-retirement-benefit-pension-taxable/</loc>
		<lastmod>2026-05-01T06:45:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/what-types-of-income-does-the-irs-classify-as-taxable-distributions-from-nycers/</loc>
		<lastmod>2026-06-02T04:29:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/how-can-i-access-my-1099-r-online/</loc>
		<lastmod>2026-06-02T04:30:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/why-didnt-i-receive-my-1099-r-in-the-mail/</loc>
		<lastmod>2026-06-02T04:30:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/do-i-have-to-keep-working-after-i-apply/</loc>
		<lastmod>2026-06-05T18:31:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/if-approved-how-long-before-i-receive-my-first-payment/</loc>
		<lastmod>2026-06-05T18:37:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/how-can-i-track-the-status-of-my-disability-retirement-application/</loc>
		<lastmod>2026-06-05T18:46:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/are-disability-retirement-benefits-taxable/</loc>
		<lastmod>2026-06-05T18:54:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/how-do-i-change-my-current-tax-withholding-for-my-monthly-retirement-or-survivor-benefit/</loc>
		<lastmod>2026-06-07T20:46:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/how-can-i-estimate-the-monthly-benefit-i-would-receive-if-approved-for-disability-retirement/</loc>
		<lastmod>2026-06-07T20:50:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/what-happens-after-i-submit-a-refund-application/</loc>
		<lastmod>2026-06-16T14:45:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/what-is-the-world-trade-center-wtc-disability-law/</loc>
		<lastmod>2026-06-17T20:17:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/who-does-the-recent-amendment-of-the-wtc-law-cover/</loc>
		<lastmod>2026-06-17T20:18:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/where-can-i-find-a-list-of-wtc-related-health-conditions/</loc>
		<lastmod>2026-06-17T20:19:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/what-is-the-qualifying-period/</loc>
		<lastmod>2026-06-17T20:20:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/does-this-law-create-an-enhanced-disability-benefit/</loc>
		<lastmod>2026-06-17T20:20:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/how-do-i-submit-a-notice-of-participation-form-622/</loc>
		<lastmod>2026-06-17T20:24:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/what-information-needs-to-be-provided-when-i-file-the-notice-of-participation/</loc>
		<lastmod>2026-06-17T20:25:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/is-there-any-supporting-documentation-required/</loc>
		<lastmod>2026-06-17T20:26:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/why-am-i-required-to-authorize-the-release-of-all-relevant-medical-records/</loc>
		<lastmod>2026-06-17T20:26:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/i-filed-a-notice-of-participation-now-what/</loc>
		<lastmod>2026-06-17T20:27:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/i-filed-a-notice-and-received-a-letter-stating-i-do-not-meet-the-pre-qualifying-criteria-can-changes-to-the-law-affect-my-status/</loc>
		<lastmod>2026-06-17T20:28:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/if-i-receive-a-letter-stating-that-i-am-pre-qualified-am-i-automatically-entitled-to-wtc-accidental-disability-retirement/</loc>
		<lastmod>2026-06-17T20:30:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/what-recourse-do-i-have-if-the-medical-board-finds-that-i-am-disabled-but-that-disability-was-not-wtc-related/</loc>
		<lastmod>2026-06-17T20:31:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/can-i-file-for-both-wtc-disability-and-service-retirement-simultaneously/</loc>
		<lastmod>2026-06-17T20:33:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/what-if-i-meet-the-pre-qualifying-criteria-retire-under-non-wtc-retirement-then-develop-an-illness/</loc>
		<lastmod>2026-06-17T20:36:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/if-i-am-found-disabled-due-to-a-wtc-qualifying-psychiatric-condition-and-retired-based-on-this-finding-can-i-request-to-be-considered-for-a-wtc-qualifying-physical-conditions/</loc>
		<lastmod>2026-06-17T20:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/if-i-am-subsequently-found-disabled-under-a-wtc-qualifying-physical-conditions-will-my-original-retirement-date-change/</loc>
		<lastmod>2026-06-17T20:39:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/if-i-am-found-disabled-under-a-wtc-qualifying-physical-condition-can-i-request-to-be-considered-for-another-wtc-qualifying-physical-or-psychiatric-conditions/</loc>
		<lastmod>2026-06-17T20:41:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/can-my-employer-submit-additional-documentation-to-nycers-that-clarifies-my-duties/</loc>
		<lastmod>2026-06-17T20:42:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/if-i-am-examined-by-an-independent-medical-examiner-can-i-see-the-report/</loc>
		<lastmod>2026-06-17T20:43:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/if-i-am-denied-disability-how-soon-can-i-apply-again/</loc>
		<lastmod>2026-06-17T20:43:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/if-i-successfully-reclassify-is-it-retroactive/</loc>
		<lastmod>2026-06-17T20:44:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/were-any-other-benefits-provided-under-the-wtc-disability-law/</loc>
		<lastmod>2026-06-17T20:45:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/did-the-law-create-an-enhanced-accidental-death-benefit/</loc>
		<lastmod>2026-06-17T20:46:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/if-i-retire-and-subsequently-die-what-is-the-impact-on-my-beneficiarys-benefit/</loc>
		<lastmod>2026-06-17T20:47:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/what-if-the-eligible-beneficiary-is-different-from-the-person-entitled-to-a-non-wtc-benefit/</loc>
		<lastmod>2026-06-17T20:48:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/is-there-a-limit-on-the-period-of-time-between-retirement-and-date-of-death-to-qualify-for-accidental-death-benefit/</loc>
		<lastmod>2026-06-17T20:49:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/what-is-mynycers-and-how-do-i-register-my-account/</loc>
		<lastmod>2026-07-07T12:13:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/can-i-work-while-receiving-a-disability-retirement-benefit/</loc>
		<lastmod>2026-07-09T13:18:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/when-will-i-receive-form-1099-r/</loc>
		<lastmod>2026-07-30T08:54:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/why-are-there-no-taxes-withheld-for-state-and-local/</loc>
		<lastmod>2026-07-30T09:00:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/why-did-i-receive-more-than-one-1099-r-this-year/</loc>
		<lastmod>2026-07-30T09:02:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/how-long-does-the-disability-retirement-application-process-take/</loc>
		<lastmod>2026-09-01T15:19:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/am-i-still-eligible-to-apply-for-a-wtc-disability-after-i-retire/</loc>
		<lastmod>2026-09-01T15:28:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/where-can-i-find-my-pension-statement/</loc>
		<lastmod>2026-09-09T16:19:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/can-i-submit-my-notice-of-participation-form-622-even-though-i-am-a-current-retiree/</loc>
		<lastmod>2026-09-10T18:06:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/what-is-a-notice-of-participation-form-622/</loc>
		<lastmod>2026-09-10T18:12:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/i-am-not-experiencing-any-health-issues-do-i-still-need-to-file-a-notice-of-participation/</loc>
		<lastmod>2026-09-10T18:41:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/who-should-file-a-notice-of-participation/</loc>
		<lastmod>2026-09-10T18:45:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://cms.nycers.org/faq/i-am-not-in-city-service-but-i-am-a-vested-member-awaiting-payability-of-a-vested-retirement-benefit-can-i-apply-for-disability-under-this-law/</loc>
		<lastmod>2026-09-10T18:57:11+00:00</lastmod>
	</url>
</urlset>
<!-- XML Sitemap generated by Yoast SEO -->