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The BackDROP Period

Feb 21, 2023, 11:37 AM by MOSERS
If an employee is eligible to retire and stays more than 5 years past normal retirement eligibility ( I will use 10 years as an example), does the 5 year Backdrop period start from the time of normal retirement eligibility or does it start 5 years prior to whenever the employee actually retires? If so, which time period is used to calculate the FAP at retirement?

In the example you gave and assuming the employee elected a 5-year BackDROP, the BackDROP period would be the 5 years prior to when they actually retire.

The BackDROP period is the period of time between the employee’s BackDROP date (the day their BackDROP period begins) and their actual retirement date. The maximum BackDROP period is five years. The BackDROP date can move depending on when the employee actually retires and the BackDROP period they elect at retirement.

For example:

If the employee is initially eligible to retire 3/1/2023, but decides to work to 10 more years, retires 3/1/2033, and elects a 5-year BackDROP, their BackDROP period would start 3/1/2028.

If they elect a BackDROP, we will calculate their monthly benefit using their final average pay (FAP) and credited service as of their BackDROP date. We would look at the employee’s entire pay history prior to the BackDROP period and find the highest 36-consecutive months of pay. We will not include any service credit or pay (including pay increases, overtime, etc.) earned during the BackDROP period to calculate their monthly pension payment.

See the BackDROP page on our website for more information.

Note: BackDROP is available only to general state employees (including university employees) in MSEP and MSEP 2000. 

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