Understanding Your Normal Retirement Eligibility Date

Sep 26, 2023, 13:33 PM

Understanding when you are eligible for retirement is important. Retirement eligibility is based on a combination of your age and service and depends on your plan.
What's My Plan?

Normal Retirement Eligibility Requirements for General State Employees
Age 65 with 5 years of service, orAge 62 with 5 years of service, orAge 67 with 5 years of service, or
Age 60 with 15 years of service, orAt least age 48 with the sum of your age and years of service equaling 80 or more (Rule of 80)At least age 55 with the sum of your age and years of service equaling 90 or more (Rule of 90)
At least age 48 with the sum of your age and years of service equaling 80 or more (Rule of 80)  

Note: If you are a legislator, statewide elected official, judge, or administrative law judge, please visit the Pension Plans page to see the retirement eligibility requirements for your plan.

You can see your normal retirement eligibility date when you log in to myMOSERS. Click on Estimates then Estimate Your Retirement Date.

Here’s an example of what you will see:

If you work past when you are first eligible to retire, you may wonder why your normal retirement date will automatically update to a new month.

Here’s why: Once you become eligible for retirement but you haven’t applied, your normal retirement eligibility date, as shown in myMOSERS, will move due to retirement application deadlines. For example, if you were first eligible to retire on May 1, you must submit your retirement application by March 31. If we have not received a retirement application from you, your Next Available Retirement Dates will shift forward to account for application deadlines. Please see the retirement application chart below for deadlines.

It is important to note that your normal retirement date shown in myMOSERS is based on the assumption that you continue your employment in a MOSERS benefit-eligible position through your date of retirement.

If you would like more information, contact MOSERS to schedule an in-person or virtual appointment with a MOSERS benefit counselor.

When is my MOSERS retirement application due?
Date of Retirement
Always the first day of the month
Step 1
Retirement Application Due
Step 2
Retirement Election Form Due
January 1November 30December 31
February 1December 31January 31
March 1January 31February 28
April 1February 28March 31
May 1March 31April 30
June 1April 30May 31
July 1May 31June 30
August 1June 30July 31
September 1July 31August 31
October 1 August 31September 30
November 1September 30October 31
December 1October 31November 30

When is your termination date?

There is sometimes confusion when it comes to your retirement date versus your termination date. Let’s clear things up!

Your last day of work as a MOSERS benefit-eligible employee (termination date), as reported by your employer, must be at least one day prior to your actual retirement date with MOSERS. Your retirement date with MOSERS must be on the first day of the month. You will receive your first benefit payment on the last working day of the same month that you retire.

For Example:

If your retirement date will be November 1, your termination date must be no later than October 31. You will receive your first benefit payment on November 30.

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