Your Final Average Compensation
You qualify for a full retirement at any age with 25 years of service.
If you leave state police employment with ten or more years of service, but fewer than 25 years of service, you will qualify for a deferred retirement at age 50.
You may qualify for a disability pension if you become permanently disabled while a member of this retirement system. The retirement system offers two types of disability pensions, duty and nonduty.
Your spouse or children may qualify for a nonduty or duty preretirement survivor pension if you die before retiring.
When your retirement application is processed, we forward your insurance enrollment information to your chosen health, dental, and vision insurance carriers. You should receive insurance identification cards a few weeks after your pension begins.
As a retiree, your state-sponsored life insurance continues for you and your dependents at no charge to you. Your coverage is 25 percent of the coverage you carried when you left work; your dependents' policies are capped at $1,000 each.
The state of Michigan now offers individual Long-Term Care Insurance (LTC) through LifeSecure. To view LTC plan details, visit the Employee Benefits Division of the Michigan Civil Service Commission under Retiree Eligibility. If you previously enrolled in a state-sponsored LTC plan with Prudential or MetLife, you
Power of Attorney and Advance Directives Resources
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A typical person retiring at age 55 today should plan to live at least 30 more years. To retain the same purchasing power through 30 or more years of retirement, your income in retirement must increase each year to keep pace with inflation and probable higher medical expenses. Odds are, you'll be depending on savings to supplement any gaps. That's why it's important to:
The State of Michigan sponsors a deferred compensation plan for enlisted officers. You can use payroll deductions to contribute to a 401(k) or 457 plan, or both. The plans are administered by Voya Financial.
In both 401(k) and 457 plans, your contributions are pretax contributions. This means that you do not pay taxes on the contributions and earnings until the money is paid out of the plan. In addition, you will be saving on a regular basis directly from your salary to help build a more comfortable retirement.
To enroll or learn more, contact Voya at 800-748-6128 or visit its website.
Talk to a financial planner or take advantage of Voya's advisor service. This online retirement calculator performs income projections, helps you set goals, and tells you how much you should save in order to meet your retirement goals. Or you can talk to a Voya representative for advice. Start saving early and regularly.
Review your plan at least once a year to see if you're on target. Review your Member Statement and update your pension calculation. Add up your retirement savings and deferred compensation funds, and adjust your savings as needed to meet your goals.