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
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If you elect a survivor option when you apply for retirement, your pension will be reduced throughout your lifetime; however, upon your death your pension continues for the lifetime of your survivor pension beneficiary.
The amount by which your pension will be reduced depends on your age, the age of your designated beneficiary, and the option factor you choose at retirement.
The pension illustration is based on a 55-year-old retiree, a 65-year-old beneficiary, and the projected pension amount is $22,000.
| Survivor Payment Option | Straight Life Monthly Pension | Survivor Option Factor | Monthly Pension Amount | Survivor Monthly Pension |
|---|---|---|---|---|
| 50% survivor option | $1.833.33 | 0.9750 | $1,787.50 | $893.75 |
| 75% survivor option | $1,833.33 | 0.9380 | $1,719.66 | $1,289.75 |
| 100% survivor option | $1,833.33 | 0.9180 | $1,683.00 | $1,683.00 |
To estimate your pension and see how options would look based on your estimated pension amount, log in to miAccount and use the Estimate Pension tab on the left.