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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Here is what happens from the time you send the Michigan Office of Retirement Services (ORS) your completed retirement application to when you begin receiving regular monthly pension payments. Remember, these dates are approximate and represent the minimum time required to complete each process.
When we receive your application, we review it to make sure all required information and documentation were submitted. If anything is missing or incomplete, all materials will be returned to you with an explanation of what is needed, and your application may be delayed.
When you submit your retirement application in miAccount, a summary of your selections is immediately available to you including your retirement effective date, insurance choices, and tax exemptions requested. It will also give you a preliminary pension estimate, which will not include your final salary, final payouts, or any recently purchased service credit. If you submit a paper retirement application, we will send you a benefit summary letter about 10-14 days after we receive all completed application materials.
After your termination date, we will verify your last day worked and your final salary. Your payroll record does not reflect this information until you terminate employment and receive your final paycheck. This step ensures all your wages are reported along with any final payouts.
Once we have your final wage and service information, we will verify your pension eligibility and put you on the retirement payroll. You'll get an award letter that tells you how much your pension payment is and when you can expect it. This letter details how your pension was calculated as well as any deductions (insurance premiums, taxes) reflected in the payment amount. Keep the information in a safe place so you have and easy-to-find record of your pension benefits.
Your first pension payment should arrive one to three months after you terminate your employment and receive your last paycheck, provided you meet all eligibility requirements and all required retirement forms are on file with ORS. If that first payment is delayed while we gather final salary information, you will be paid retroactive to your retirement effective date.
Pensions are paid on the 25th of each month for the month they are due. If the 25th falls on a weekend or holiday, watch for your payment on the preceding business day. December payments are issued about one week early.
Your statements are available at any time in miAccount. You will also be mailed a statement periodically.
Each January, ORS will send you a federal Form 1099-R. This pension income statement reports the payments made to you during the previous year and any taxes withheld. You will need it to file your income tax return. Your 1099-R can also be obtained using miAccount.
Go to Post-Retirement Increases for details.
We will forward your insurance enrollment information to your chosen health, dental, and vision carriers after all proofs are on file. You should receive insurance identification cards and materials a few weeks after your pension begins. If you require health services before your cards arrive, save your itemized receipts for submission afterward, or if necessary, have the provider verify your coverage with ORS.
Voya Financial, the state's 401(k) and 457 Plan administrator, will send you information about payout options from your deferred compensation account(s). You can also contact Voya at 800-748-6128 or visit its website to request the Payout Guide.
Once you're retired, there is no active link between your state police human resources data and Voya. Therefore, if you update your address, phone, email, or dependent data with ORS, you will also need to contact Voya to report changes that affect your deferred compensation accounts.
If you disagree with a determination made by ORS concerning your retirement benefits, you may request a review by writing to ORS stating the basis for your disagreement and providing all information which you believe supports your position. Your request will be thoroughly reviewed, and you will be notified in writing of the outcome.
The retirement law requires ORS to correct any payment errors. As a result, any person who receives a benefit payment in error will be required to repay the benefit.