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  • Temporary benefit & early retirement

    Oct 24, 2023, 2:31 PM By MOSERS
    Is the temporary benefit available under early retirement or strictly rule of 80?

    No, the temporary benefit is not available to those who elect early retirement. You will receive a temporary benefit only if you are a general state employee who is younger than the age of 62 and you retire under normal retirement with the MSEP 2000 (“Rule of 80”) or MSEP 2011 (“Rule of 90”).

    If you retire under the "Rule of 80" (MSEP 2000) or the "Rule of 90" (MSEP 2011), in addition to your base benefit, the temporary benefit provides you with an additional benefit until age 62. The formula for the temporary benefit is: Final Average Pay (FAP) x .008 (Multiplier) x Credited Service = Temporary Benefit. At age 62, the temporary benefit ends but your base benefit continues.

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  • Normal Retirement Eligibility Requirements

    Oct 20, 2021, 2:17 PM By MOSERS
    An employee where I work is 61 and has worked for the state for 12 years.  For whatever reason, they decided to take early retirement November 1.  They are telling everyone they are eligible to retire November 1 with their "80 and out."  How is this possible if their age and years of service only add up to 73?  Wouldn't they be taking a big cut in their retirement benefits by retiring now?

    It is possible this employee may have prior state service or may have purchased or transferred service in order to meet the requirements for “80 and Out” or they may be misstating or misunderstanding the terminology. Also, it is important to remember that, in order to retire, members are not required to have age and service equal 80 (or 90 for MSEP 2011) if they meet another set of age and service requirements first. If you or your co-workers have any additional questions about retirement eligibility, see the requirements and click on the plan information below or contact a MOSERS benefit counselor.  


    MSEP Members

    • 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


    MSEP 2000 Members

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


    MSEP 2011 Members

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



    If you elect early retirement, your base benefit will be reduced by one-half of one percent (0.005) for each month your age at early retirement is younger than your normal retirement age.

    MSEP: Age 55 with 10 years of service

    MSEP 2000: Age 57 with 5 years of service

    MSEP 2011: Age 62 with 5 years of service

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  • Early vs. Normal Retirement

    Jul 9, 2021, 11:20 AM By MOSERS
    I am a member of MSEP 20011. I am currently 60 years old with 9 years of service time. If I leave state employment this year at what age would I be able to start my pension payments? 62? 65? or 67?

    If you leave state employment this year at age 60 years, 9 months, you will be required to wait and draw your benefit at age 67.  In order to be eligible for early retirement, you must reach age 62 prior to leaving state employment. Please note that taking early retirement will reduce your base benefit by ½ of 1% (.005) for each month your age is younger than normal retirement age. Your normal retirement age would be at 67. You can find more information in the MSEP 2011 Handbook.

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  • Early Retirement

    May 27, 2021, 11:14 AM By MOSERS

    I am just curious if I wanted to retire early are you offering anyone an early out. Just wondering here that is all. I can retire in March of 2022, so it will be here before you know it if I elect to go that route, I may have to do a backdrop. Thanks for your assistance in this matter.

    Early retirement is an existing option available to most MOSERS members (but not available to legislators or statewide elected officials). As a general state employee, if you elect early retirement, your base benefit will be reduced by one-half of one percent (.005) for each month your age at retirement is younger than your normal retirement age.

    We are not aware of any proposed early retirement incentives for state employees. Any such incentive would require legislative authorization. There were no early retirement incentives that passed during the recent regular legislative session that ended on May 14, 2021. Anytime the Missouri General Assembly is in session, you can follow any bills affecting MOSERS on our Legislation page.

    View Pension Plans on our website for more information including details on normal (unreduced) and early (reduced) retirement eligibility for MSEPMSEP 2000, and MSEP 2011

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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.