As a MOSERS employee, you are a member of the MOSERS pension plan. If you were first employed in a benefit-eligible position with the state of Missouri prior to January 1, 2011, your plan is a non-contributory, defined benefit pension plan. If you were first employed in a benefit-eligible position on or after January 1, 2011, you are in a contributory defined benefit pension plan, and you contribute 4% of your salary. When you retire, you will get a guaranteed monthly benefit, with cost-of-living adjustments. Your surviving spouse may also be eligible to receive a lifetime survivor benefit. Retirement benefits are based on total credited service and the highest 36 consecutive months of pay. The vesting requirement is 5 years of service.

MOSERS employees are eligible to participate in a 457 plan to save for retirement. You can make pre-tax and post-tax contributions to the plan. MOSERS provides a $75 match. MO Deferred Comp administers this retirement saving plan. 

We offer basic and optional term life insurance. Basic life insurance provides you with life insurance of one times your salary. This coverage is free to you as an employee. You may elect additional life insurance, up to the lesser of 6 times your annual salary or $800,000, whichever is less. The cost of this coverage depends on your age.

You may purchase life insurance on your spouse in increments of $10,000. Coverage for your spouse cannot exceed your optional life insurance coverage. The cost of the coverage depends on your age.

Life insurance is also available for your children. For $2 per month, you can cover all your children with $10,000 of coverage per child. The $2 premium is the same regardless of the number of children covered.

Long-Term Disability insurance coverage is available at no cost to you. There is a 90-day benefit waiting period in the event you become disabled. This benefit will replace up to 60% your pre-disability earnings less any deductible income. While on long-term disability, you continue to accrue creditable service toward pension benefits.

Health insurance is available to you in the form of a PPO plan with deductibles and coinsurance or a high deductible health plan with a health savings account.

Prescription drug coverage comes with all health insurance plan options. A prescription mail order program is also available. Premiums vary by the level of coverage you choose. Missouri Consolidated Health Care Plan administers health insurance plans for MOSERS employees.

Dental benefits include diagnostic and preventive care services, basic and restorative services, and major services. Missouri Consolidated Health Care Plan administers dental insurance for MOSERS employees.

Vision coverage includes two plan options – basic or premium – with specific copayments for services received. Both options include coverage for routine vision exams and provide eyeglasses or contact lenses at discounted rates. Missouri Consolidated Health Care Plan administers vision insurance for MOSERS employees.

Strive for Wellness®, MCHCP’s wellness program, encourages you to get and stay healthy. You can reduce your medical premiums if you participate in the Partnership Incentive and Tobacco-Free Incentive programs. Missouri Consolidated Health Care Plan administers the Strive for Wellness program for MOSERS employees.

The Strive Employee Life & Family (SELF) program, previously called the Employee Assistance Program (EAP), is available to you and members of your household. You can use it to help prevent minor difficulties from developing into major problems. This benefit is available at no cost to you. Missouri Consolidated Health Care Plan administers the Strive Employee Life & Family (SELF) program for MOSERS employees.

The Missouri State Employees' Cafeteria Plan plan allows you to pay for health, dental, and vision insurance premiums and qualified voluntary products with pre-tax dollars. You can also pay for dependent care and out-of-pocket medical costs with pre-tax dollars.

As a MOSERS employee, you earn 10 hours of vacation leave and 10 hours of sick leave per month. Your vacation leave accrual goes up after 10 and 15 years of service. We also offer 13 paid holidays per year.

Holidays:

New Year’s Day
Martin Luther King, Jr. Day
Lincoln’s Birthday
President’s Day
Truman’s Birthday
Memorial Day
Juneteenth
Independence Day
Labor Day
Columbus Day
Veterans Day
Thanksgiving Day
Christmas Day

MOSERS offers up to six weeks (240 hours) of paid parental leave for primary caregivers and up to three weeks (120 hours) of leave for secondary caregivers for parents of a newborn(s) or parents who are adopting a child(ren).

We may provide tuition reimbursement to you if you pursue a degree that is consistent with MOSERS objectives and our mission statement.