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Normal Retirement Eligibility Requirements

Oct 20, 2021, 14:17 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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