Benefit recipients can now access an electronic copy of their 1099-R form. Once you log in to myMOSERS, you can find your 2024 1099-R in your Document Express online mailbox. You may view, save, or print it.

In the future, you will be able to find your 1099-R in myMOSERS on your Member Dashboard in a card labeled Tax Documents. 1099-Rs from 2024 and prior years will remain in Document Express.

MOSERS started mailing 1099-R forms to all retirees and beneficiaries on January 21 and will mail all of them by January 31, 2025. Please allow adequate time for the US Postal Service to deliver them.

• Faxing them to (573) 632-6103,
• Scanning them and sending them as an attachment via email to mosers@mosers.org,
• Submitting them using the Document Upload feature after you have logged in to myMOSERS
• Depositing them in the drop box outside of our office or bringing them in to the receptionist, or
• Mailing them to us at MOSERS, PO Box 209, Jefferson City, MO 65102-0209

MOSERS will mail 1099-R forms to all retirees and beneficiaries by January 31, 2024. If you prefer an electronic copy of your 1099-R, the form will be available for you to view or print after it has been mailed. You can access your 1099-R by logging in to myMOSERS You can find your 2024 1099-R in your Document Express online mailbox. You may view, save, or print it.

In the future, you will be able to find your 1099-R in myMOSERS on your Member Dashboard in a card labeled Tax Documents. 1099-Rs from 2024 and prior years will remain in Document Express.

Your MOSERS pension benefit is subject to normal federal taxes. It is also subject to normal Missouri state income taxes if you are a resident of Missouri. However, because you are a Missouri resident, you may qualify for the Public Pension Exemption as it relates to Missouri state taxes.

In order to be eligible for the full deduction, your Missouri adjusted gross income must fall within certain income limitations. These limitations are not decided by MOSERS, you may contact the Missouri Department of Revenue to see if you qualify or ask your tax professional. If your income exceeds the limitation, you may qualify for a partial exemption. Visit the Missouri Department of Revenue's Public Pension Exemption page or read our Missouri Public Pension Exemption flyer for more information.

You are correct, there is a new form, which is required by the IRS as of January 1, 2023, IF you want to make any changes to your tax withholdings. (If you don’t want to make changes, no action is required.) Once you have completed both the Tax Withholding Authorization and the IRS W-4P forms and you have signed and dated them, you can return them to us by:

1. Faxing them to (573) 632-6103,
2. Scanning them and sending them as an attachment via email to mosers@mosers.org,
3. Submitting them using the Document Upload feature after you have logged in to myMOSERS
4. Depositing them in the drop box outside of our office or bringing them in to the receptionist, or
5. Mailing them to us at MOSERS, PO Box 209, Jefferson City, MO 65102-0209

Congratulations on your upcoming retirement! Let’s address your questions one by one:

1. Are healthcare premiums taken out pre-tax in retirement? No. All deductions from your MOSERS pension benefit are POST tax.
2. As an employee, my premiums are taken out pre-tax to lower my taxable income. Does this happen with a retiree's pension payment? No. All deductions from your MOSERS pension benefit are POST tax.  
3. If healthcare premiums are deducted prior to federal tax deductions (while in retirement) than the prepayment of healthcare premiums (at year-end) would be the same, is that correct? No. Healthcare premiums in retirement are NOT deducted prior to federal taxes. So, there may be tax advantage to you to pre-pay your retiree healthcare premiums for the remainder of the calendar year from pay you receive as an active employee. See the information below from the MCHCP website:

Employees whose premiums are collected pre-tax through the cafeteria plan have the opportunity to pre-pay premiums pre-tax as a retiree. Prepaid premiums may only be paid within the same calendar year*. To prepay retirees must submit their enrollment request at least 31 days prior to their retirement date. The first month’s premium for retiree coverage will be divided between the last two active paychecks. Additional prepaid premiums may be collected from the retiree’s last two active paychecks and/or lump sum vacation/compensatory time payroll. Verify this payroll amount with the HR/Payroll personnel to determine how many months of retiree premiums can be prepaid.

*Employees with a retirement date of Dec.1 cannot prepay premiums, since future premiums would be for a different plan year. Employees with a retirement date of Jan.1 can only prepay premiums using funds from their final active payroll (usually Jan.15) and/or their vacation and compensatory time payroll.

Your W-2 form shows income you have earned from your employer and comes from your employer, not from MOSERS. You will need to reach out to your employer for your W-2.

MOSERS provides retirees and benefit recipients with a 1099-R tax form. We will mail your 1099-R forms by the end of January.

You can access your 1099-R by logging in to myMOSERS. Your most recent 1099-R is in your Document Express online mailbox. You may view, save, or print it.

In the future, you will be able to find your 1099-R in myMOSERS on your Member Dashboard in a card labeled Tax Documents. 1099-Rs from 2024 and prior years will remain in Document Express.

This form lists your 2022 retirement benefit income from MOSERS. You will need this form to file your income tax return. If you receive more than one benefit from MOSERS, you may receive more than one 1099-R from us. If you are unable to log in to myMOSERS, call us at (800) 827-1063 or (573) 632-6100 and we can assist you. For security reasons, we cannot email it to you.

Yes, the new forms, Tax Withholding Authorization and IRS W-4P, are required as of January 1, 2023, in order to change your withholding amounts. It does look different than the form from previous years. Please keep in mind the following:

• If you wish to change the amount of taxes being withheld, please submit both the MOSERS form (Tax Withholding Authorization) and the IRS form (W-4P).
• If you are a retiree who is already having taxes withheld, your current withholding remains in effect, and you do not need to submit new forms unless you want to make changes.
• Please visit the Taxes page on our website for more information.
• MOSERS staff cannot advise you on how to fill out tax forms or your tax liability as it pertains to your MOSERS pension. We suggest you contact the IRS and/or a qualified tax advisor about your tax liability and to determine your withholding amounts.

I believe you may be referring to a 1099-R form.

 A 1099-R shows distributions you have received from pensions and other retirement plans. A W-2 form comes from an employer, not from MOSERS. A W-2 shows income you’ve earned from your employer.

MOSERS provides you with a 1099-R tax form. This form lists your 2022 retirement benefit income from MOSERS. You will need this form to file your income tax return. If you receive more than one benefit from MOSERS, you may receive more than one 1099-R from us.

We will mail your 1099-R form by the end of January 2023. You can also access it online by logging into myMOSERS. You will find it under Personal Information and available for you to save or print. If you are unable to log in to myMOSERS, call us at (800) 827-1063 or (573) 632-6100 and we can mail you a replacement. For security reasons, we cannot email it to you.