If you are vested and leave state employment, you will still be eligible for a future pension benefit when you reach retirement age. A termination, whether voluntary or involuntary, marks the end of service accrual and impacts your MOSERS benefits.

Exceptions apply: You will forfeit all rights to a future pension benefit if you take a refund of your employee contributions (MSEP 2011 or Judicial Plan 2011) after leaving state employment or if you are convicted of a felony in connection with your duties as a state employee on or after August 28, 2014.

Retirement eligibility depends on your plan and is based on a combination of your age and service. Once MOSERS is notified of your termination, we will send you a letter outlining your eligibility for benefits.

Normal Retirement Eligibility Requirements:

• Age 65 + 5 years of service or
• Age 60 + 15 years of service or
• Rule of 80 – (at least age 48) when age + years of service = 80 or more

• Age 62 + 5 years of service or
• Rule of 80 – (at least age 48) when age + years of service = 80 or more at the time of termination

• Age 67 + 5 years of service or
• Rule of 90 – (at least age 55) when age + years of service = 90 or more at the time of termination

See the What’s My Plan? tool for information about plan membership, retirement eligibility requirements, and more!