If you are a vested member of MSEP, MSEP 2000, or MSEP 2011 and leave state employment before you are eligible to retire, your pension stays secure with MOSERS and will be available to you when you meet the age requirement for your plan and complete the retirement process. Retirees receive a lifetime payment based on a.) a formula set by law and b.)  the option they elect at retirement. See Leaving State Employment for more information.

If you return to work for the state at a later date, you will start earning service credit immediately and will be eligible to retire once you meet the following requirements based on your plan:

MSEP Normal Retirement Eligibility (Full/Unreduced Benefit)

• Age 65 with 5 years of service or
• Age 60 with 15 years of service or
• At least age 48 with the sum of your age and years of service equaling 80 or more (Rule of 80)

MSEP 2000 Normal Retirement Eligibility (Full/Unreduced Benefit)

• Age 62 with 5 years of service or
• At least age 48 with the sum of your age and years of service equaling 80 or more (Rule of 80)

MSEP 2011 Normal Retirement Eligibility (Full/Unreduced Benefit)

• Age 67 with 5 years of service or
• At least age 55 with the sum of your age and years of service equaling 90 or more (Rule of 90)

Please contact a MOSERS benefit counselor. They can review your individual circumstances and tell you specifically when you will be eligible to retire based on different scenarios.