The number and types of beneficiaries you have depends primarily on your employment status and eligibility for MOSERS benefits:

• Actively employed as a state employee or
• Inactive-vested (worked long enough to earn a future pension benefit but no longer employed by the state and not yet retired) or
• Retired

ACTIVE: You may have beneficiaries for life insurance (if provided through MOSERS) and/or employee contributions (if you are a member of MSEP 2011 or the Judicial Plan 2011).

INACTIVE-VESTED: You may have beneficiaries for employee contributions (if you are a member of MSEP 2011 or the Judicial Plan 2011). However, you won’t make decisions about your future MOSERS defined benefit pension benefits, including those about survivor beneficiaries, until you apply for retirement.

RETIRED: You may have beneficiaries for life insurance (if provided through MOSERS and you retained life insurance coverage in retirement) and/or employee contributions (if you are a member of MSEP 2011 or the Judicial Plan 2011). You may change the above beneficiaries at any time. You are allowed to change your survivor beneficiaries for your MOSERS defined benefit pension only under the following circumstances:

• You were married at retirement, elected a joint & survivor benefit payment option and your spouse passes away. See more information about reporting a death.
• You were married at retirement, elected a joint & survivor benefit payment option and you get divorced after retirement. Go to the Life Events page and scroll down to Divorce.
• You were single at retirement, elected the Life Income Annuity benefit payment option and then got married. Go to the Life Events page and scroll down to Marriage.
• You elected one of the “life income with guaranteed payments” benefit payment options at retirement and want to change your beneficiary(ies).

Log in to myMOSERS and go to Forms. If any of the above apply to you, you will see the forms to update your beneficiaries. If you still have questions, please contact a MOSERS benefit counselor at mosers@mosers.org, (800) 827-1063 or (573) 632-6100.

If you participate in MO Deferred Comp, which is a supplemental savings plan separate from your MOSERS defined benefit pension plan, you may update your beneficiaries with MO Deferred Comp, on their website.