1099-Rs will be available in your Document Express online mailbox 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. We will mail all forms by the end of January as well.

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.

Once you are vested (5 years of service for general state employees), you are eligible to receive a future pension benefit from MOSERS, even if you leave state employment. Once you reach retirement age and complete the retirement process, you will receive a monthly pension payment for your lifetime.

You cannot increase your 4% employee contributions that go into the MOSERS trust fund, but you can certainly increase the amount of supplemental savings that you put in MO Deferred Comp. For many state employees, income in retirement comes from three sources:

1. Your MOSERS defined benefit pension (based on your years of service and final average pay)
2. Social Security retirement benefits
3. Supplemental personal savings, such as with MO Deferred Comp

Another thing to consider is that, even if you aren’t vested, you may leave your employee contributions with the System if you think you might return to work for the state at some point in the future and would like for those years of service to count toward an eventual retirement benefit.  

However, if you leave state employment, you may request a refund of your employee contributions plus any credited interest. By law, there is a 90-day waiting period before we can issue a refund. By taking a refund, you forfeit all your credited service.

You can log in to myMOSERS to find your total employee contributions plus any interest. Once logged in, you can view your accumulated balance listed under Employee Contributions on your Member Dashboard. If you are unable to log in, you may contact a MOSERS benefit counselor for your balance. See our Employee Contributions brochure for more information.

You will need to complete a Direct Deposit Authorization form for MOSERS to redirect payment to a new bank account.

How to Access the Form

• Log in to myMOSERS and complete the form online.
• Find the form in our online Library, print it, and send it by email, fax, or mail to MOSERS.
• Contact us by calling (800) 827-1063 or (573) 632-6100 to request a copy of the form.

At MOSERS, we are focused on ensuring the long-term stability of our member’s benefits. The MOSERS Board and staff continually monitor economic trends and actively engage with policymakers on legislative developments at the federal and state levels. Just last week, at the February 21, 2025, MOSERS Board meeting, our external Board Investment Consultant provided an analysis of key market drivers, including interest rates, inflation expectations, and potential shifts in trade policy.

While we monitor emerging trends, our focus is on long-term goals, and our diversified investment portfolio is designed to weather the volatility of the financial markets over the long term. Furthermore, the Board has also made significant changes to the MOSERS funding policy over the past few years. A key change includes the adoption of a 32% minimum employer contribution rate. The policy is designed to increase the plan’s funded status more rapidly, albeit gradually, than without the policy.

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.

We will calculate the COLA in mid-January (once all the data is available) and post it on our website. Be sure to keep an eye out for it!

According to Missouri state law, each January, MOSERS must compare the average Consumer Price Index (CPI) for the calendar year just completed (2024) to the average CPI from the prior year (2023) to determine the percentage change between the two years. For general state employees, COLAs are based on 80% of the percentage increase in the average Consumer Price Index (CPI) from one year to the next. The maximum increase is 5% (minimum 0%).

How MOSERS calculates the COLA for retirees is outlined in state law. The Social Security Administration uses a different process to calculate COLAs for Social Security benefits:

• SSA uses the CPI-W index; MOSERS uses the CPI-U index, the Consumer Price Index for Urban Consumers.
• SSA bases their COLA off the 3rd calendar quarter change; MOSERS COLAs are based on the percentage increase in the average Consumer Price Index (CPI) from one year to the next using data from the entire year.
• The SSA COLA is 100% of the change; the MOSERS COLA is 80% of the percentage increase from one year to the next.

See the Cost-of-Living Adjustments page on our website for more information.

UPDATE: See The 2025 COLA is here. 

Congratulations on your upcoming retirement!

It is unclear from your comment if you have notified your human resources (HR) office. If you are actively employed with a state agency when you apply for retirement and if you have not already done so, please check with your HR office and follow your employer’s termination process. The termination process with your employer is separate from applying for benefits with MOSERS. Your HR office is the one who can tell you if you need to notify your supervisor or regional office. You will also want to make arrangements with HR to have any unused annual leave and/or comp time paid out to you.

See the Ready to Retire page on our website for additional tips on the MOSERS process.

Keep in mind that there are other benefit providers, including your medical insurance provider, that you may need to coordinate with as you move through the retirement process. See the Destination Retirement brochure for helpful checklists with various benefit providers.