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  • Termination & Reemployment with a MOSERS Covered Employer

    Oct 25, 2021, 10:17 AM By MOSERS
    I'am retired on mosers and now working MOA at the University, how many hours can I work per year.

    It is the responsibility of your employer, not MOSERS, to determine if the position you are working in is a MOSERS benefit-eligible position. Generally speaking, an employee must work in a position normally requiring at least 1,040 hours per year to qualify for MOSERS benefits. If your employer determines that the position is not benefit-eligible and you have followed the termination and reemployment rules outlined below, you may work in that position and still get your MOSERS pension benefits.

    Termination and Reemployment Rules

    Before receiving a benefit payment from MOSERS, IRS rules require a “bona fide termination” of your employment. For purposes of MOSERS Board Rules, a "bona fide termination" occurs when:

    • You have completely severed employment;
    • You have not entered into a prearranged agreement (written or oral), prior to retirement, with the State of Missouri or any MOSERS-covered employer for subsequent employment on any basis (full-time, part-time, or other); and
    • You are not subsequently employed with the State of Missouri or any MOSERS-covered employer on any basis (full-time, part-time, or other) within 30 days after your employment with your prior employer has ended.

    See FAQs on Termination and Reemployment Rules and a flyer on Termination and Reemployment Rules for more information.


    Upon meeting the termination and reemployment rules, you may return to work and continue receiving your monthly pension payment, as long as your position is not a MOSERS or MoDOT and Patrol Employees’ Retirement System (MPERS) benefit-eligible position.

    If you return to work for the state of Missouri in a MOSERS or MPERS benefit-eligible position:

    • Your monthly pension payment will stop.
    • Depending on various factors (your plan, how long you work, etc.), you may or may not earn additional credited service during reemployment.
    • When you retire again, your monthly pension payment will equal the amount you were receiving when you returned to work plus any additional benefit you may have earned during reemployment.
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  • Early Retirement

    Jul 8, 2020, 3:51 PM By MOSERS

    As I review my state working credit history, I will earn my 5 year vesting at age 52. I am interested in possibly leaving the state workforce once I have reach that mark. Is there any way to receive a monthly payment at this age or do I have to wait until age 67 to begin collection of my benefits?

    Under the MSEP 2000, you would not be eligible for early retirement and to receive benefits until at least the age of 57.

    Minimum Requirements for Early Retirement by Plan:


    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

    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. The formula for calculating the early retirement reduction factor is:  1 – (Months Retiring Early x .005) = Early Retirement Factor.

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

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  • Reduced Benefit

    Mar 17, 2020, 4:16 PM By MOSERS

    I am in MSEP11 and have vested.  I may leave service at 65, but not retire until my normal retire age of 67.  Will I still receive a reduced benefit?

    No, your benefit will not be subject to reduction if you are vested, leave service, then retire at age 67. (The reduction you are referring to is for “early retirement” and is a reduction of ½ of 1% (.005) off your base benefit for each month your age is younger than normal retirement.)

    However, if you continue working until you are 67, then your benefit would ultimately be higher because you would have more service. When you apply for retirement, your base benefit will be calculated using a formula that takes into account your final average pay and your credited service. For a more in-depth look at which option may be best for you, we encourage you to use our Comparison Calculator to compare various scenarios over time or contact one of our benefit counselors.

    Benefit counselors are available:

    Monday - Friday
    8:00 am - 12:00 pm
    1:00 pm - 4:30 pm

    Contact Us:

    (800) 827-1063 toll-free
    (573) 632-6100 in Jefferson City

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  • Termination & Retirement Benefits

    Feb 6, 2020, 1:54 PM By MOSERS

    If you get fired for Urine test THC and your vested with 11 years and 7 months do you get your pension or can you get a pay out. Please let me know

    If you are vested and leave state employment, you are eligible for a future pension benefit from MOSERS. Once you reach retirement age and complete the retirement process, you will receive a monthly pension payment for your lifetime. However, if you have been convicted of a felony in connection with your duties as a state employee, you would forfeit your retirement benefits. You can find more information about the disqualification of retirement benefits on page 7 of the General Employees' Retirement Handbook (MSEP & MSEP 2000).

    There is no payout available for members of MSEP or MSEP 2000 since they don’t contribute 4% of pay to MOSERS. However, if you are a member of the MSEP 2011 or Judicial Plan 2011 and get fired, you may request a refund of your member contributions, including interest credited to your account. By taking a refund, you would forfeit your rights to any future retirement benefits.

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  • Leaving Employment Before Retirement Date

    Nov 20, 2018, 8:03 AM By MOSERS

    My retirement plan is MOSERS 2011. If I leave state employment AFTER I am vested but BEFORE my retirement age/date, how do I figure my monthly benefit amount?

    If you are vested with MOSERS (you have at least 5 years of service) and then leave state employment, you will be eligible* for a lifetime monthly benefit, which will begin once you meet the age requirement (and all other legal requirements) and retire under a MOSERS defined benefit pension plan. In general, your benefits will be based on the laws in effect on the day you leave state employment.

    For general state employees, we calculate retirement benefits using this three-part formula:

    Final Average Pay (FAP) x Credited Service x Multiplier = Monthly Base Benefi

    (The multiplier is determined by your plan; 1.6% for MSEP; 1.7% for MSEP 2000/MSEP 2011.)


    FAP $3,000 (per month) x 7.5 years of Credited Service x 0.017 Multiplier for MSEP 2011 = $382.50 Monthly Base Benefit

    Keep in mind that additional service will increase your benefit:

    FAP $3,000 (per month) x 23 years of Credited Service x 0.017 Multiplier for MSEP 2011= $1,173 Monthly Base Benefit

    As a member of MSEP 2011, you will become eligible for normal retirement when you have at least 5 years of service and reach age 67 OR under the “Rule of 90” which is when you are at least age 55 and your age plus service equals 90 prior to you leaving state employment.

    As a member of MSEP 2011, you pay contributions to help fund the system. Upon termination of employment, you may request a refund of your contributions or you may leave your contributions with MOSERS. It you take a refund of your contributions, you will forfeit all your credited service and any future rights to receive benefits from the system, but you get a check equal to the amount of contributions you made plus any interest. See our Employee Contributions brochure (2011 Plan) for more information.

    For more information, see the MSEP 2011 Retirement Plan video or the General Employees' Retirement Handbook (MSEP 2011). You can also contact a MOSERS benefit counselor to request a benefit estimate.

    *An exception is if you were fired because you were convicted of a specified felony committed in connection with your job as a state employee on or after August 28, 2014. See Missouri Revised Statute §105.669.

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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.