If you are actively employed as a state employee, you cannot opt-out or withdraw any funds from your MOSERS defined benefit retirement plan. If you participate in MO Deferred Comp (the supplemental savings program), you may contact them at (800) 392-0925 or (573) 893-1053 to ask about making an emergency withdrawal from your savings.

Members of MSEP 2011 or the Judicial Plan 2011 who leave state employment may choose to either request a refund of their employee contributions (if they don’t anticipate returning to state employment) or leave their contributions with MOSERS (if they do anticipate returning to state employment).

Please note that, there is a 90-day waiting period and if you take a refund, you will forfeit all your credited service. Alternatively, you may leave your contributions with the System if you think you might return to work for the state at some point in the future and would like for those years of service to count toward an eventual retirement benefit. To learn more, please visit our Refund of Employee Contributions page. 

If you saved money with the MO Deferred Comp Plan while employed with the state, you do have the option to withdraw your 457 savings penalty-free upon leaving state service or you may roll your savings balance to another qualified retirement savings plan. Please visit www.modeferredcomp.org for more information.

We encourage you to contact a tax professional or financial advisor for advice specific to your situation.