Working After Retirement

Once you retire with MOSERS, you might think about returning to work. It is important for you to know if your monthly pension benefit will be affected. If you do not properly terminate pre-retirement employment, you will not be eligible to retire and receive benefits.

Termination and Reemployment Rules

Before receiving a benefit payment from MOSERS, IRS rules require a “bona fide termination” of your employment. For purposes of MOSERS Board Rules, a "bona fide termination" occurs when:

  • You have completely severed employment;
  • You have not entered into a prearranged agreement (written or oral), prior to retirement, with the State of Missouri or any MOSERS-covered employer for subsequent employment on any basis (full-time, part-time, or other); and
  • You are not subsequently employed with the State of Missouri or any MOSERS-covered employer on any basis (full-time, part-time, or other) within 30 days after your employment with your prior employer has ended.

See FAQs on Termination and Reemployment Rules and a flyer on Termination and Reemployment Rules for more information.

Reemployment

Upon meeting the separation-of-service rules, you may return to work and continue receiving your monthly pension payment, as long as your position is not a MOSERS or MoDOT and Patrol Employees’ Retirement System (MPERS) benefit-eligible position.

If you return to work for the state of Missouri in a MOSERS or MPERS benefit-eligible position:

  • Your monthly pension payment will stop.
  • Depending on various factors (your plan, how long you work, etc.), you may or may not earn additional credited service during reemployment.
  • When you retire again, your monthly pension payment will equal the amount you were receiving when you returned to work plus any additional benefit you may have earned during reemployment.

Read your retirement handbook, which includes everything you need to know about reemployment and how it affects your benefit payment or contact a MOSERS benefit counselor with any questions.

Read our emails, watch our videos, follow us on Facebook, Twitter, LinkedIn, & Rumor Central and review your Annual Benefit Statement.

Notify us when you have any significant life events (such as change in your marital status or death of a family member) that may impact your benefits.

Log in to myMOSERS, to update your personal information (mailing address, email address, phone numbers, etc.), update your beneficiaries, track your benefit payments, review your Annual Benefit Statement, and much more.