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

Understanding the BackDROP Period

Apr 4, 2023, 16:07 PM by MOSERS
I am eligible for retirement January 1, 2025. If I choose to do a backdrop say for instance for 5 years. So continue working until January 1, 2030. Can I continue working after the 5 year back drop? I am aware that my pay will remain the same pay rate the day I retire until I leave employment. 

Yes, you may continue working as many years as you like beyond your initial retirement eligibility date. If, at retirement, you elect BackDROP, this would affect when your BackDROP period would start. Your BackDROP period will always be the period immediately prior to actual retirement date.

Based on your example:

If you are initially eligible to retire 1/1/2025, but decide to work to 10 more years, retiring in 1/1/2035, and elect a 5-year BackDROP, your BackDROP period would start 1/1/2030.

If you elect a BackDROP, we will calculate your monthly benefit using your final average pay (FAP) and credited service as of your BackDROP date. We would look at your entire pay history prior to the BackDROP period and find the highest 36-consecutive months of pay. We will not include any service credit or pay (including pay increases, overtime, etc.) earned during the BackDROP period to calculate your monthly pension payment.

See the BackDROP page on our website or contact a MOSERS benefit counselor for more information.

Note: BackDROP is available only to general state employees (including university employees) in MSEP and MSEP 2000. 

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.