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  • Can I Transfer Service from Another State?

    Sep 12, 2023, 8:42 AM By MOSERS

    I worked for the state of Arkansas for 4 years and I have retirement through APERS. Could I transfer my retirement from APERS to MOSERS? If so, what are the steps that I need to do in order to do that?

    No. The law does not allow you to purchase or transfer service from another state to MOSERS.

    Depending upon your plan membership (MSEPMSEP 2000, or MSEP 2011), once you are vested, you may be able to purchase or transfer service acquired in the state of Missouri. With the exception of prior military service, it must be full-time, nonfederal, public (government) employment, and rendered in Missouri, such as the following types of service:

    • Service with MODOT or the Missouri Highway Patrol
    • Service with a city, county, or public school in Missouri
    • Prior military service

    Purchasing or transferring service may increase your pension benefit, make you eligible for retirement sooner, or both. For more information contact a MOSERS benefit counselor and see

    Purchasing and Transferring Service Guide for MSEP (Closed Plan) Members

    Purchasing and Transferring Service Guide for MSEP 2000 Members

    Purchasing and Transferring Service Guide for MSEP 2011 Members

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  • Part-Time Employment

    Sep 1, 2023, 11:32 AM By MOSERS
    I worked for the state starting in June 2003 and left in April 2021. If I accepted a part time position, would it count toward my retirement? Or would it need to be a part time position specifically WITH benefits? And if it did count, would it be at the 50% rate and could possibly be considered as toward my high 3 years (I assume would need to work 6 years in this case) if two years equaled one? 

    For potential part-time employment to count toward your future pension benefit, it must be in a benefit-eligible position. It is the responsibility of the employer, not MOSERS, to determine if a position is eligible for MOSERS benefits. Generally speaking, an employee must work in a position normally requiring at least 1,040 hours per year to qualify for MOSERS benefits. 

    Pension benefits for general state employees are calculated using the formula: Final Average Pay (FAP) x Multiplier x Credited Service = Monthly Base Benefit

    When we calculate your future pension benefit, we would not “convert it to 50%”. If you worked for three years in a benefit-eligible position, you would accrue an additional three years of service. When you retire, we will look at your entire MOSERS-covered pay history (excluding any time during a BackDROP period) and find your highest 36 consecutive months of pay. For most members, that occurs during their final three years but not in all situations. Your question is a good example of when a member’s “high 36” may not be during their last three years.

    Once your potential employer has notified you if it is a benefit-eligible position or not, we encourage you to contact a MOSERS benefit counselor to further discuss your specific situation.

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  • MSEP 2011 and BackDROP

    Aug 22, 2023, 2:01 PM By MOSERS

    Why are MSEP 2011 employees not eligible for BackDROP?

    All benefit provisions are outlined in law and MOSERS must administer benefits according to the law. In 2010, the Missouri General Assembly made changes to pension plans including the elimination of BackDROP for newer state employees. However, state employees retained the valuable defined benefit plan structure, which provides lifetime retirement benefits. BackDROP is available only to general state employees in MSEP and MSEP 2000. You can track proposed legislative changes on our Legislation page when the General Assembly is in session from January through mid-May.

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  • Returning to State Employment

    Aug 16, 2023, 10:35 AM By MOSERS
    Hi there, If I worked for the state for 2.5 years and were to take a position with the state again, would that time count going forward in terms of vested years?

    If you were not vested (did not have at least 5 years of service) when you left state employment, you must complete 12 continuous months of benefit-eligible employment.

    Additionally, if you were a member of MSEP 2011 and took a refund of contributions, you would need to return any refunded contributions plus interest to restore your past service credit.

    See Returning to State Employment and MOSERS Covered Employers for more information. Please feel free to contact a MOSERS benefit counselor at (800) 827-1063 (toll-free) or (573) 632-6100 (in Jefferson City) to discuss your individual situation. 

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  • Retirement Application Due Date

    Aug 11, 2023, 11:15 AM By MOSERS

    If I wanted to retire October 1, 2023, when would I need the paper work in by?

    There must be one entire month between the date we receive your application and your retirement date. Using your example, if your retirement date is October 1, your Retirement Application is due no later than August 31 and your Retirement Election Form is due no later than September 30. You can submit your retirement application as early as 4 months (120 days) prior to your retirement date.

    Visit our Ready to Retire page to view the table showing all due dates. You can also find the due dates on p. 6 of the Retirement Guide along with step-by-step instructions for the retirement process. We also encourage you to participate in a Ready to Retire Webinar or Seminar

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  • Notifying MOSERS about BackDROP

    Aug 8, 2023, 2:23 PM By MOSERS
    If my retirement for example is 1/1/2024 and I elect to continue... Do I notify Mosers and let you know I am doing a back drop or does it automatically start as a back drop from that date

    You do not need to notify MOSERS of any decisions about BackDROP until you are completing the retirement process. You can just keep working. Also, you are not required to take BackDROP, regardless of how long you work beyond normal retirement eligibility. We encourage you to sign up for a Ready to Retire seminar or webinar where we will explain the retirement process and BackDROP in more detail. If you register and provide an anticipated retirement date at least two years beyond your normal retirement eligibility date, we will provide benefit estimates with and without BackDROP.

    Please note that BackDROP is available only to general state employees in MSEP or MSEP 2000. To be eligible for BackDROP, you must continue working in a MOSERS benefit-eligible position for at least two years beyond your normal retirement eligibility.

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  • Withdrawing Funds

    Jul 14, 2023, 1:44 PM By MOSERS
    can we withdraw from retirement? 

    If you are actively employed as a state employee, you cannot opt-out or withdraw any funds from your MOSERS defined benefit retirement plan. If you participate in MO Deferred Comp (the supplemental savings program), you may contact them at (800) 392-0925 or (573) 893-1053 to ask about making an emergency withdrawal from your savings.

    Members of MSEP 2011 or the Judicial Plan 2011 who leave state employment may choose to either request a refund of their employee contributions (if they don’t anticipate returning to state employment) or leave their contributions with MOSERS (if they do anticipate returning to state employment).

    Please note that, there is a 90-day waiting period and if you take a refund, you will forfeit all your credited service. Alternatively, you may leave your contributions with the System if you think you might return to work for the state at some point in the future and would like for those years of service to count toward an eventual retirement benefit. To learn more, please visit our Refund of Employee Contributions page. 

    If you saved money with the MO Deferred Comp Plan while employed with the state, you do have the option to withdraw your 457 savings penalty-free upon leaving state service or you may roll your savings balance to another qualified retirement savings plan. Please visit for more information.

    We encourage you to contact a tax professional or financial advisor for advice specific to your situation.

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  • Attending a Ready to Retire Session...Again!

    Jun 13, 2023, 1:38 PM By MOSERS

    I have taken the retirement class previously, but now that I am closer to retirement, can I take it again for more clarification?

    Absolutely! We encourage members to attend a Ready to Retire session more than once in the years leading up to retirement. Now that you are nearing retirement, it would be a great choice to attend again.

    Please note that our system will not allow you to enroll in more than one session in a calendar year. This is to keep seats available for those who are very close to retirement.

    Visit our Education page to learn more and register today!
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  • Updating Your Beneficiaries

    Jun 1, 2023, 12:00 AM By MOSERS

    Not a comment, but a question. How do I change the beneficiary of this pension? I didn't see an online form to make changes. 

    The number and types of beneficiaries you have depends primarily on your employment status and eligibility for MOSERS benefits:

    • Actively employed as a state employee or
    • Inactive-vested (worked long enough to earn a future pension benefit but no longer employed by the state and not yet retired) or
    • Retired

    ACTIVE: You may have beneficiaries for life insurance (if provided through MOSERS) and/or employee contributions (if you are a member of MSEP 2011 or the Judicial Plan 2011).

    INACTIVE-VESTED: You may have beneficiaries for employee contributions (if you are a member of MSEP 2011 or the Judicial Plan 2011). However, you won’t make decisions about your future MOSERS defined benefit pension benefits, including those about survivor beneficiaries, until you apply for retirement.

    RETIRED: You may have beneficiaries for life insurance (if provided through MOSERS and you retained life insurance coverage in retirement) and/or employee contributions (if you are a member of MSEP 2011 or the Judicial Plan 2011). You may change the above beneficiaries at any time. You are allowed to change your survivor beneficiaries for your MOSERS defined benefit pension only under the following circumstances:

    • You were married at retirement, elected a joint & survivor benefit payment option and your spouse passes away. See more information about reporting a death.
    • You were married at retirement, elected a joint & survivor benefit payment option and you get divorced after retirement. Go to the Life Events page and scroll down to Divorce.
    • You were single at retirement, elected the Life Income Annuity benefit payment option and then got married. Go to the Life Events page and scroll down to Marriage.
    • You elected one of the “life income with guaranteed payments” benefit payment options at retirement and want to change your beneficiary(ies).

    Log in to myMOSERS and go to Forms. If any of the above apply to you, you will see the forms to update your beneficiaries. If you still have questions, please contact a MOSERS benefit counselor at, (800) 827-1063 or (573) 632-6100.

    If you participate in MO Deferred Comp, which is a supplemental savings plan separate from your MOSERS defined benefit pension plan, you may update your beneficiaries with MO Deferred Comp, on their website. 

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  • Security of Benefits

    Apr 5, 2023, 7:53 AM By MOSERS
    Is our pension fund safe? The fed is considering bail-ins. Have you backed our pension funds with gold and silver or other tangible assets? We all worked for years to get to retirement. Our little pensions mean the world to our living standards. Please tell me you are protecting our pension fund.

    Your promised pension benefits are an obligation of the state and they are secure. Unlike individual retirees, MOSERS invests over a very long-term time horizon. Our portfolio is well-diversified and designed to weather the volatility of the financial markets. We encourage you to visit our Funding page to learn more.

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We strive to provide the most accurate information possible in our answers to Rumor Central questions. However, occasionally, laws, policies or provisions change and individual circumstances may vary. Please contact a MOSERS benefit counselor or see the handbooks in our website Library for more detailed information. If there is any difference between the information provided in this blog or on the MOSERS website and the law or policies that govern MOSERS, the law and policies will prevail. See our Privacy, Security & Legal Notices for more information.