What is the Temporary Benefit?

Nov 18, 2022, 08:00 AM

There is sometimes confusion surrounding the Temporary Benefit. It can be mistaken as a Social Security benefit; however, this is not the case.  

The Temporary Benefit is a MOSERS plan provision that provides general state employees in MSEP 2000 and MSEP 2011 with a supplemental income until age 62.

For members who retire under the "Rule of 80" (MSEP 2000) or the "Rule of 90" (MSEP 2011), the Temporary Benefit provides them with an additional benefit to their base benefit. The formula for the Temporary Benefit is: Final Average Pay (FAP) x .008 (Multiplier) x Credited Service = Monthly Temporary Benefit until age 62.

If you are older than 62 when you reach retirement eligibility, the Temporary Benefit is not available to you.

Though the Temporary Benefit ends at 62, your base benefit continues. This does not affect your Social Security benefit and it is not tied to your medical premiums or any other specific expenses you may have. We do not include the temporary benefit in determining potential benefits for your survivors. If you die while receiving the Temporary Benefit, any survivor benefits will be determined by the base benefit amount and the benefit payment option you elected at retirement.

For more information, please contact a MOSERS benefit counselor to discuss your specific situation.

Changes in Your Benefit Amount

If you are currently retired and receive the Temporary Benefit, it will end when you reach the age of 62, regardless of when you apply for Social Security benefits. You will receive your final Temporary Benefit payment at the end of the month in which you turn age 62.

We will notify you when the Temporary Benefit ends and whenever the amount of your benefit payment changes (usually due to insurance premiums, taxes, COLAs, etc.).

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