The MOSERS optional life insurance premium calculator is a handy resource for employees exploring coverage options. Whether they're newly hired and enrolling for the first time through SEBES, or revisiting their coverage at any point in their career, they can compare premiums across different coverage amounts and see how premiums change with each five-year age bracket.

Optional life insurance can be elected, adjusted, or terminated at any time. However, enrollment outside the initial 31-day window requires a medical history statement or documentation of a qualifying family status change. For more detailed information about life insurance coverage, employees can visit our Life Insurance page or contact a MOSERS benefit counselor.

We hope you'll find these resources useful to pass along when employees have questions about their life insurance coverage.

When entering a new hire's salary in SEBES, please ensure the amount reflects the employee’s full benefit-eligible earnings and not base pay alone. For basic life insurance purposes, annual salary includes normal earnings plus any recurring differential pay (shift, security, and retention differentials). Overtime and other irregular payments are excluded.

An accurate salary entry in SEBES ensures new employees receive the full basic life insurance coverage they're entitled to. Please reach out to employers@mosers.org if you have any questions.

School may be out for the summer, but MOSERS education sessions are in! Encourage your staff to enroll in a seminar or webinar this summer.

As an HR rep, you are welcome to attend any member education session. See the enrollment information below or call us at (573) 644-1231. You can also email MOSERSEducation@mosers.org.

We still have seats available at several Ready to Retire in-person seminars and online webinars for this summer. These sessions are designed for general state employees within five years of retirement eligibility.

School is always more fun with a friend! Members are welcome to bring a spouse or guest. Guests can be added during the enrollment process in myMOSERS.

Members can log in to myMOSERS, then select Enroll in Education from the I want to... menu. Next, they can choose the session they would like to attend and complete the registration information.

We hope you will join us this summer at a seminar or webinar near you!

May 2 was Human Resource Professionals Day, and we want to take a moment to express our appreciation for all that you do.

Your role as a vital liaison between MOSERS and our members is crucial, and your dedication to educating employees about the benefits we provide is truly valued.

HR professionals play an essential role in Missouri's success—shaping policies, supporting employees, and fostering a culture of growth and well-being. Every day, you make a difference in people’s lives.

Thank you for your ongoing support and partnership!

Authorization to Release Information - May 2026

Designation of Agent - May 2026

Direct Deposit Authorization form - April 2026

Division of Benefits Order - Request for Estimate form - April 2026

Tax Withholding Authorization and IRS W-4P form - April 2026

Tax-Free Rollover Certification Form (Purchasing or Transferring Service Credit) - April 2026

Employees in MOSERS’ MSEP 2011 and Judicial Plan 2011 contribute toward their retirement while actively employed. When an employee leaves state employment, they may have the option to request a refund of those contributions.

Whether to take a refund or leave contributions with MOSERS is a personal decision that depends on several factors, such as whether the employee is vested and eligible for a future pension benefit or if they anticipate returning to state employment.

Employees who request a refund may take it as a cash payment, a rollover to another eligible retirement plan, or a combination of both. Each option may have different tax implications.

Employees who are vested and receive a refund forfeit their future pension benefit. Any employee who takes a refund forfeits the ability to file a long-term disability (LTD) claim based on that employment.

Because employee terminations are now reported automatically through the SAM II daily file or employer payroll uploads in Phoenix, MOSERS does not receive information indicating whether a termination may be related to a suspected work-related felony.

If an employee separates from employment and the termination may be related to a suspected work-related felony, please notify the MOSERS Employer Services team separately by emailing employers@mosers.org.

Under Missouri law, an employee convicted of a work-related felony on or after August 28, 2014, forfeits all rights to pension benefits accrued on or after that date.

A work-related felony generally includes a felony under state law (or a substantially similar federal offense) involving stealing or receiving stolen money, property, or services valued at $5,000 or more, forgery, counterfeiting, bribery of a public servant, or acceding to corruption, when connected to the employee’s duties as a state employee.

MOSERS will monitor the case and determine any impact on pension benefits once the legal process has concluded.

We have designed our educational programs to help state employees learn more about their benefits as they progress through their careers and experience different life events along the way.

Employees can start learning about their state benefits administered by MOSERS, including pension plan features, life insurance, long-term disability benefits, and their personal retirement savings plan options with MO Deferred Comp.

• For employees who are newer to the state with less than five years of service (not yet vested).
• Sessions last approximately 2 hours.
• Speakers include MOSERS and MO Deferred Comp.
• Daytime sessions: 9:30 a.m. to 11:30 a.m.
• Evening sessions: 5:30 p.m. to 7:30 p.m.

Employees can learn how different career and life events may affect their pension benefit.

• For employees with at least five years of service (vested) and five or more years until retirement eligibility.
• Sessions last approximately 2 hours.
• Speakers include MOSERS and MO Deferred Comp.
• Daytime sessions: 9:30 a.m. to 11:30 a.m.
• Evening sessions: 5:30 p.m. to 7:30 p.m.

Stay up to date by visiting our Education page frequently for more information, including schedules and registration instructions.

New Employee Orientation brochure - March 2026

Employee Contributions (MSEP 2011 & Judicial Plan 2011) brochure - March 2026

Divorce and Your Pension Benefit brochure - March 2026

Basic & Optional Life Insurance Handbook - March 2026

Administrative Law Judges & Legal Advisors' Retirement Handbook - March 2026

Understanding how to report the correct pay rate helps ensure accurate benefit calculations.

• Pay rate is the amount an employee earns for a unit of time, such as hourly or a pay period.
• Pensionable wages represent the amount of retirement-eligible pay the employee earned during the pay period.

These two amounts are not always the same. For example, if a member has other pay events such as unpaid leave, overtime, or a comp time payout, the pensionable wages reported for that pay period may be different from the amount that should be entered in the pay rate field.

Example: An employee earns $2,000 in regular pay and $250 in service retention pay per pay period, for a total pay rate of $2,250.

During the pay period, the employee may:

• Take unpaid leave, or
• Receive a comp time payout

These events may change the pensionable wages earned for that pay period. However, the pay rate remains $2,250 per pay period and should be reported as that amount in the Pay Rate field.

• Accurately reporting the pay rate helps ensure correct benefit calculations and premium billing.
• For employees with unpaid leave events, such as FMLA, that count toward salary and service credit, the pay rate helps determine the salary credited to the employee during the leave period.
• It is also used to calculate the correct long-term disability premium to collect when an employee is on a leave of absence.

When calculating the pay rate, include all recurring pay components listed under the Pay Parameters tab in the ESMT, such as:

• Regular pay
• Service or retention pay
• Shift differentials
• Security differentials

• Enter the employee’s rate of pay based on their pay cycle.
• Include all recurring pay components when calculating the pay rate
• Review the Pay Parameters tab in the ESMT to confirm recurring pay components.
• Pay rate and pensionable wages may differ.

Please remind employees that the nomination period for candidates interested in running for the MOSERS Board of Trustees is now open. Voting will take place in August. Two active members and one retired member will be elected to serve a four-year term starting in January 2027.

1. Declaration: To declare your interest as a Board candidate, fill out the Nominating Petition Part I form in the Active Board Member Candidate Information handbook. By providing the required personal information, you express your interest in serving on the MOSERS Board.
2. Signatures: You are required to obtain the signatures of at least 100 active or inactive-vested MOSERS members. You can submit signatures through the online signature platform or the Nominating Petition Part II form in the Active Board Member Candidate Information handbook, which is available to print and return with signatures to MOSERS by 4:30 p.m. CDT on June 17, 2026.
3. Background and Qualifications: The Nominating Petition Part I requests biographical information, including your qualifications for a position on the Board of Trustees. It must not exceed 300 words and should include information that is relevant to your candidacy for election.
4. All nominations are due to MOSERS by 4:30 p.m. CDT on June 17, 2026.

Are you in the KC area and have employees who want to attend a Ready to Retire seminar ASAP? If so, they will be happy to know we have seats available in Blue Springs on March 25 and March 26 – but they need to register by the close of business on Friday, March 20!

How? Log in to myMOSERS, call us at (800) 827-1063, or email MOSERSEducation@mosers.org.

Please remind your employees that we offer educational programs for everyone, whether they are new to MOSERS, mid-career, or getting ready to retire. Our seminars and webinars are designed to help employees learn about their state employee benefits as they progress through their careers and experience different life events along the way.

Employees can start learning about their state benefits administered by MOSERS, including pension plan features, life insurance, long-term disability benefits, and their personal retirement savings plan options with MO Deferred Comp.

• For employees who are newer to the state with less than five years of service (not yet vested).
• Sessions last approximately 2 hours, with daytime and evening sessions available.
• Speakers include MOSERS and MO Deferred Comp.

Employees can learn how different career and life events may affect their MOSERS pension benefit.

• For employees with at least five years of service (vested) and five or more years until retirement eligibility.
• Sessions last approximately 2 hours, with daytime and evening sessions available.
• Speakers include MOSERS and MO Deferred Comp.

Do you need copies of MOSERS publications? We can provide you with paper versions of the SEBES Enrollment Guide, New Employee Orientation brochures, handbooks, and more.

You can now order MOSERS publications through the Phoenix Employer Portal. Go to Tools in the left navigation and select Materials Request. You can order up to 200 copies at a time. If you don’t have access to the MOSERS Employer Portal, please ask the HR rep with access for your department to submit the request for you.

CURP Overview - March 2026

General Employees' Retirement Handbook (MSEP, MSEP 2000, MSEP 2011) - March 2026

MOSERS Board Member Candidate Information - Active Member Board Seat - March 2026

Your Guide to the Colleges & Universities Retirement Plan - March 2026

CURP Transfers to MOSERS flyer - February 2026

Judges' Retirement Handbook (Judicial Plan & Judicial Plan 2011) - February 2026