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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Go to How to Apply for the list of proofs you'll need to provide when enrolling your spouse and dependents in your insurances.
It is your responsibility to notify the Michigan Office of Retirement Services of any change in your status or that of your family that would result in ineligibility, or of coverage under any other group insurance including Medicare. We will adjust your premium deductions if necessary, but we cannot refund premiums that were withheld before the month in which you report the change.
To report changes, log in to miAccount, navigate to the Insurance Coverage section, make your changes, and mail us the required proofs if necessary. You can also use the Insurance Enrollment/Change Request (R0452H) form.
You can also use miAccount to add or change the name of someone on your health, dental, or vision insurance contract. If you're adding a spouse due to marriage, be sure to send proof of marriage and birth. If you're adding a dependent due to birth or adoption, be sure to send proof of birth or adoption. Proofs are required within 30 days of the event so the six-month waiting period can be waived. If we do not receive the proofs on time, you will be subject to a six-month waiting period from the time we receive all proofs.
Do not mail in original documents, as they will not be returned.
If your spouse or one of your dependents lose insurance eligibility, they may be able to pay for continued coverage for a limited time. A federal law known as the Consolidated Omnibus Budget Reconciliation Act, or COBRA, allows your spouse or child the option of paying for continued health insurance coverage for up to 36 months after a qualifying event that results in loss of eligibility. The retiree or affected family member must notify us within 30 days of the date of the qualifying event and request an Application for Continuation of Insurances (CS-1767). Your health insurance carrier may also offer a conversion policy for your spouse and dependents. Contact the insurance carrier for more information.