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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Insurance benefits, including health, dental, vision, and life, will continue to be available for you and your eligible dependents. Enlisted officers who participate in the Deferred Retirement Option Plan (DROP) do pay insurance premiums. If you are a DROP participant, premiums will be deducted from your check equal to the amount you would have paid had you retired on the day before becoming a DROP participant. Also, be sure to talk with your human resources office about your sick leave and annual leave accruals and how your balances will be handled at the end of your DROP participation.
If you die while participating in the DROP, your pension beneficiary will receive your monthly pension benefit. In addition, your designated DROP beneficiary will receive the balance of your DROP account. If you did not name a separate beneficiary for your DROP account, your account balance will be paid first to your pension beneficiary, if alive, or secondarily to your estate.
To name a beneficiary for your DROP account, complete a state police Deferred Retirement Option Plan (DROP) Beneficiary Designation (R0626H) form. You can designate any person as your DROP account beneficiary. The individual you name on this form will continue to be the beneficiary for this account as long as it has a balance, or until you designate another person on a new form.