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Final Average Pay and BackDROP Period

Nov 29, 2018, 10:43 AM by MOSERS

My Pension is based on my best 36 months earnings. Wages during my 5 year BackDrop period are excluded. What if my best 36 months are after I complete my 5 year BackDrop period?

Any pay earned after your BackDROP date (the beginning of your BackDROP period) does not count - it is excluded - when we calculate your monthly retirement benefit. We will look at your entire pay history in your MOSERS-covered employment prior to your BackDROP period to find your highest 36 consecutive months of pay and use that to calculate your monthly benefit.

Remember, your BackDROP period, whether it is a 2-year or 5-year period, will always be immediately prior to your retirement date. That means, you wouldn’t continue to be employed in a MOSERS benefit-eligible position after your BackDROP period.

This is one of the factors to consider when making your elections about BackDROP. You can run benefit estimates under a variety of scenarios by logging in to myMOSERS or contact a MOSERS benefit counselor to run them for you. You may find our Creating a Benefit Estimate video and our Comparison Calculator video helpful in weighing your options.

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We strive to provide the most accurate information possible in our answers to Rumor Central questions. However, occasionally, laws, policies or provisions change and individual circumstances may vary. Please contact a MOSERS benefit counselor or see the handbooks in our website Library for more detailed information. If there is any difference between the information provided in this blog or on the MOSERS website and the law or policies that govern MOSERS, the law and policies will prevail. See our Privacy, Security & Legal Notices for more information.