But we are not getting credit for years worked whe the money is going to a 401K rather have credit to retire earlier than going to the 401k since were not getting credited most of us have to wait till 65 to retire nowConsider yourself lucky then, as you will get all the money paid into your retirement.4000 a year into ny pension fund only increases annual service credit by 11 dollars......what a joke, give ME the money in a 401, and it will do great!