Understanding Your Normal Retirement Eligibility Date
Understanding when you are eligible for retirement is important. Retirement eligibility is based on a combination of your age and service and depends on your plan.
What's My Plan?
Normal Retirement Eligibility Requirements for General State Employees
| MSEP | MSEP 2000 | MSEP 2011 |
|---|---|---|
| Age 65 with 5 years of service, or | Age 62 with 5 years of service, or | Age 67 with 5 years of service, or |
| Age 60 with 15 years of service, or | At least age 48 with the sum of your age and years of service equaling 80 or more (Rule of 80) | At least age 55 with the sum of your age and years of service equaling 90 or more (Rule of 90) |
| At least age 48 with the sum of your age and years of service equaling 80 or more (Rule of 80) |
Note: If you are a legislator, statewide elected official, judge, or administrative law judge, please visit the Pension Plans page to see the retirement eligibility requirements for your plan.
You can see your normal retirement eligibility date when you log in to myMOSERS. Click on Estimates then Estimate Your Retirement Date.
Here’s an example of what you will see:
If you work past when you are first eligible to retire, you may wonder why your normal retirement date will automatically update to a new month.
Here’s why: Once you become eligible for retirement but you haven’t applied, your normal retirement eligibility date, as shown in myMOSERS, will move due to retirement application deadlines. For example, if you were first eligible to retire on May 1, you must submit your retirement application by March 31. If we have not received a retirement application from you, your Next Available Retirement Dates will shift forward to account for application deadlines. Please see the retirement application chart below for deadlines.
It is important to note that your normal retirement date shown in myMOSERS is based on the assumption that you continue your employment in a MOSERS benefit-eligible position through your date of retirement.
If you would like more information, contact MOSERS to schedule an in-person or virtual appointment with a MOSERS benefit counselor.
When is my MOSERS retirement application due?
| Date of Retirement Always the first day of the month | Step 1 Retirement Application Due | Step 2 Retirement Election Form Due |
|---|---|---|
| January 1 | November 30 | December 31 |
| February 1 | December 31 | January 31 |
| March 1 | January 31 | February 28 |
| April 1 | February 28 | March 31 |
| May 1 | March 31 | April 30 |
| June 1 | April 30 | May 31 |
| July 1 | May 31 | June 30 |
| August 1 | June 30 | July 31 |
| September 1 | July 31 | August 31 |
| October 1 | August 31 | September 30 |
| November 1 | September 30 | October 31 |
| December 1 | October 31 | November 30 |
When is your termination date?
There is sometimes confusion when it comes to your retirement date versus your termination date. Let’s clear things up!
Your last day of work as a MOSERS benefit-eligible employee (termination date), as reported by your employer, must be at least one day prior to your actual retirement date with MOSERS. Your retirement date with MOSERS must be on the first day of the month. You will receive your first benefit payment on the last working day of the same month that you retire.
For Example:
If your retirement date will be November 1, your termination date must be no later than October 31. You will receive your first benefit payment on November 30.