Hearing Rumors? Not sure your co-worker has it right?

Rumor Central has the answers! Submit your question or just browse our blog to separate facts from fiction.

Subscribe to Rumor Central

Subscribe to receive a monthly email that includes answers to recent Rumor Central questions.

Log in to myMOSERS. Click on Personal Information, then on Email Options. Check the box next to Rumor Central

  • 2022 Education Schedule

    Dec 3, 2021, 11:13 AM By MOSERS

    When will retirement seminars for 2022 be open for registration?

    We are in the process of finalizing our 2022 Education Schedule and anticipate having registration for Ready to Retire sessions open by mid-December. Be sure to watch our Education page for the most recent information!
    Print Friendly and PDF
  • Increasing Life Insurance After Retirement

    Dec 2, 2021, 3:28 PM By MOSERS
    I am retired.  Can I increase my life insurance? Is this ever an option? 

    You may reduce your optional life coverage amount after retirement; however, you can NOT increase your coverage amount after retirement. Please visit our Life Insurance page in the Retiree section of our website for more details. 

    Print Friendly and PDF
  • Changing Your Marital Status

    Dec 1, 2021, 2:52 PM By MOSERS
    I could not find a place to change my marital status from married to divorced. Please advise

    The process for changing your name or marital status in your system is different, depending on if you are an active employee or if you are receiving a MOSERS benefit.

    Active Employees

    If you are currently an active state employee, you do not have to provide documentation for a name change or marital status change. You can update your marital status by logging in to myMOSERS. Simply select Personal Information, then click Update Information and scroll down to change your marital status.

    Retirees and Beneficiaries

    If you are currently receiving a pension benefit of any kind, you must submit proof to MOSERS to change your name or marital status. For proof of name change, we accept an updated Missouri driver’s license showing your new name. For proof of name change and marital status change, we can accept a divorce decree or a marriage certificate.

    We also require proof of name change for any inactive vested member or beneficiary applying for survivor or remaining guaranteed payments.

    We accept documents of proof in the form of photo or electronic copy. You can mail, e-mail, or upload documents through myMOSERS, or fax them to us.

    If you are unable to log in, contact a MOSERS benefit counselor for assistance. 

    Print Friendly and PDF
  • Understanding Employee Contibutions

    Nov 17, 2021, 9:09 AM By MOSERS
     I am trying to find out how to change how much is with held out of my paycheck for retirement but cannot figure out how to do so.

    There are two deductions from your paycheck for retirement purposes.

    MOSERS members who are in MSEP 2011 or the Judicial Plan 2011 are required to contribute 4% of their pay, which is maintained in an account with interest credited annually. This is an automatic withdrawal and cannot be changed. These mandatory contributions help fund your defined benefit pension from MOSERS. While it cannot be changed, you will get your contributions back in some way; whether it be through a guaranteed lifetime monthly income in retirement or through a refund, if you leave state employment.

    Or, you may be referring to MO Deferred Comp. The MO Deferred Comp Plan is a voluntary retirement savings plan designed to help you save additional income to supplement your defined benefit pension and Social Security benefits in retirement. New employees are automatically enrolled at 1% of pay. Unlike your defined benefit pension and Social Security benefits, YOU have control over how much you save in this plan throughout your career, how your dollars are invested, and how you will withdraw those savings in retirement. Visit Just Getting Started to learn more or contact MO Deferred Comp at (800) 392-0925 to make changes. 

    Print Friendly and PDF
  • Monthly Pension Benefit Formula

    Nov 2, 2021, 3:06 PM By MOSERS

    I would like to ask a question about how re-employment with the State of MO would effect my current retirement plan/pension. I have been away from employment since 2008. If I would be able to attain employment within the next 3-6 months, or so, basically, how does it effect my retirement if I would be employed again with the State of MO, and any other pertinent information for "re-hire" after 13 years?

    Retirement benefits for general state employees (including university employees) are calculated using a three-part formula: FAP x Multiplier x Credited Service = Monthly pension benefit payment

    Learn more about your benefits in the Summary of Pension Benefit Provisions (All Plans) and by plan on our website: MSEP, MSEP 2000, and MSEP 2011.

    Print Friendly and PDF
  • Updates to your mailing address

    Nov 1, 2021, 11:52 AM By MOSERS
    My personal information is up to date, but when I pull up a report of my pay, it has my old address on it.

    You can change your mailing address by logging in to myMOSERS. Select Personal Information then click Update Personal Information. You can also make changes to your email address and phone number(s). Updates to email addresses become effective by the next working day. If you wish, you may choose a future date (up to 3 months ) for other changes to become effective. If you are unable to do so online, please contact a MOSERS benefit counselor, who would be happy to assist you.

    Print Friendly and PDF
  • 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.
    Print Friendly and PDF
  • Authorization to Release Information form

    Oct 21, 2021, 11:47 AM By MOSERS
    What is the purpose of the "Authorization to Release Form" ? 

    The Authorization to Release Information form gives us your permission to share or discuss your benefit information with someone else. You may amend or revoke it at any time. You can also set it up to automatically revoke after 90 days. You may submit it at any time by logging in to myMOSERS. During the retirement process, we encourage you to submit this form but it is optional.

    Common Reasons to Complete this Form

    • Another Person Takes Care of Your Finances - Some members prefer to have a spouse, other family member, advisor, or some other trusted person assume the responsibility for getting information from MOSERS about their benefits either because that person is well versed in such matters or because it is simply easier for that person to understand or get the information in person, over the phone, or via email.
    • Housing - If you move, your new housing provider may require proof of your income.
    • Military Leave or Other Extended Absence - If you will be away from home for an extended period of time, you may wish to authorize another trusted person to be able to get information from MOSERS on your behalf.
    • Change in Marital Status - If you previously completed an Authorization to Release Information form and later get married, divorced, remarried, or have another life event, you may want to consider completing and submitting a new form.
    Print Friendly and PDF
  • 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

    Print Friendly and PDF
  • Changing Your Name After Retirement

    Oct 19, 2021, 1:27 PM By MOSERS
    I got married and need to change my name. How do I go about doing that?

    Any member who is currently receiving a pension benefit of any kind or who is an inactive-vested member must submit proof to change their name or marital status.

    Proof of name change is required:

    • For any member when applying for retirement or after retirement if the name or information provided on the retirement application or other form differs from our records.
    • For any member when applying for a refund of employee contributions.
    • For any beneficiary applying for survivor or remaining guaranteed payments.

    For proof of name change and marital status, we can accept a divorce decree or a marriage certificate.

    We accept documents of proof in the format of photo or electronic copy. You can mail, e-mail, upload through myMOSERS account, or fax them to us.

    If you have additional questions, please contact a MOSERS benefit counselor at (800) 827-1063 or (573) 632-6100.

    Print Friendly and PDF




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.