My pool was built in 2005 and pool service company said there is a need to replaster.
Technically since it is already 15 years old, it is time to replaster.
I have no idea how bad it is and here is some pictures.
Update: there is no obvious chipping or declamination. I did see some gray spots. But I am not sure what caused this. I use Polaris cleaner but it should not cause problem on steps since it never work on the steps. I will do a power wash first and see how it turns out.