Do you know when you’re eligible to retire? Your retirement eligibility depends on your plan and is based on a combination of your age and years of service.

If you’re eligible for normal retirement, you will receive your full retirement benefit amount. If you’re eligible for and choose to take early retirement, your base benefit is reduced. Here’s a simple breakdown.

Normal Retirement Eligibility Requirements:

• Age 65 + 5 years of service or
• Age 60 + 15 years of service or
• Rule of 80 – At least age 48 when age + years of service = 80 or more

• Age 62 + 5 years of service or
• Rule of 80 – At least age 48 when age + years of service = 80 or more

• Age 67 + 5 years of service or
• Rule of 90 – At least age 55 when age + years of service = 90 or more

Early Retirement Eligibility Requirements:

• Age 55 + 10 years of service
• Base benefit is reduced by 1/2 of 1% (.005) for each month your age is younger than the normal retirement age.

• Age 57 + 5 years of service
• Base benefit is reduced by 1/2 of 1% (.005) for each month your age is younger than the normal retirement age.

• Age 62 + 5 years of service
• Base benefit is reduced by 1/2 of 1% (.005) for each month your age is younger than the normal retirement age.

To see your normal retirement eligibility date, log in to myMOSERS and find your first eligible date listed under Retirement Eligibility on the Member Dashboard.

Remember, you are not required to reach the Rule of 80 or Rule of 90. You will reach normal retirement eligibility when you first meet any of the age plus service requirements for your plan.

Not sure if you are in MSEP, MSEP 2000, or MSEP 2011? See the What’s My Plan? tool for additional information about plan membership, retirement eligibility requirements, and more!