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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The Michigan State Police Retirement System is a defined benefit plan qualified under section 401(a) of the Internal Revenue Code, operating under the provisions of Michigan's Public Act 182 of 1986, as amended (Michigan Compiled Laws 38.1601 et seq.). Any changes to the act require passage by the Michigan Legislature.
The plan is administered by the Michigan Office of Retirement Services (ORS) with the oversight of a nine-member board. The governor appoints four of the board members to represent active and retired Michigan State Police Retirement System members. Five board members serve by virtue of their offices in state government.
The plan is funded by contributions by employees and from the Michigan Department of State Police and by investment earnings on these contributions. All contributions help fund your pension benefit. At the time of retirement, contributions are transferred to the pension reserve fund, from which monthly pensions are paid.
Each year, an actuary determines how much the Michigan Department of State Police needs to contribute to fund its portion of member benefits. These contributions are not refundable to you or your employer.
Throughout your working career, your employer takes care of your pension plan deductions, wage and service records, and plan contributions. Regular reports are sent to ORS to become part of your personal pension record. When it's time to retire, your employer hands off all your final records to ORS, and we become your partner in retirement.
As of Sept. 30, 2016, the system covered 1,688 active customers, and 3,018 retirees and beneficiaries. The net assets of the Michigan State Police Retirement System, valued at $1.4 billion as of Sept. 30, 2016, are invested by the Michigan Department of Treasury, Bureau of Investments. In fiscal year 2016, the system paid retirement pensions totaling $119.1 million.