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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Answering these questions may provide some insight into how well prepared you are to retire. It's also a good idea to use the Countdown to Retirement checklist.
The more yes answers you have, the more adequate your retirement preparation and the more likely you'll be able to preserve your standard of living.
Some people are ready to retire the minute they're eligible. Others like to weigh every factor before deciding on a date. Below are some things you might want to consider when choosing your retirement date.
Your retirement effective date is the first day of the month following the month in which you satisfied retirement eligibility requirements, and you terminated employment with the Michigan State Police. In addition, you must submit your completed retirement application to the Michigan Office of Retirement Services (ORS) at least 30 days, but no more than 90 days, prior to your retirement effective date.
When your Medicare coverage begins, typically at age 65, we will reduce your portion of the state health insurance premiums deducted from your pension. For information on Social Security benefits, go to the Social Security Administration website, call toll-free 800-772-1213, or visit your local Social Security Administration office.
Your pension is subject to state and federal income tax (except for any portion of the pension representing service credit purchases made with post-tax dollars). Taxes will be withheld from your pension according to the withholding instructions you give us when you retire. If you live outside of Michigan, you should check the state and local income tax regulations in your area.
Before choosing a date, it would be wise to think about how, and when, you plan to draw your savings, deferred compensation funds, and other retirement accounts. Your 401(k)/457 plans administrator can give you payout options and tax ramifications. You might also wish to consult a financial advisor who can help you gauge how long your savings might last into your golden years, and maybe even tell you how to minimize taxes and make your money go further.
If you divorce while you are an active or deferred member, the court may order that a portion of your pension be paid to an alternate payee such as your former spouse or dependent child. The order (known as an eligible domestic relations order, or EDRO) must be on file with ORS before your retirement effective date. ORS has developed an online fillable EDRO form to allow members to create accurate and complete EDROs that can be administered under the retirement statutes. It is the preferred document to file with ORS. Background information and instructions are provided separately in Eligible Domestic Relations Orders: Background and Instructions (R0911X).
Note: The retirement statute prohibits continuing insurance benefits for a former spouse after a divorce.
If you're thinking about or are in the process of purchasing service credit, remember that the purchase must be paid in full while you are still an active, working member of the retirement system. It's especially important if your pension eligibility depends on the purchase you are making. Don't stop working until you are positive that all service credit payments have been received by ORS. Start working with us early so we can help you coordinate your payoffs.