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
Search is currently unavailable. Please try again later.
The web Browser you are currently using is unsupported, and some features of this site may not work as intended. Please update to a modern browser such as Chrome, Firefox or Edge to experience all features Michigan.gov has to offer.
You accumulate or earn service credit for the hours you work for the state police. Service credit is important because it determines when you can collect a pension. You need 25 years of service (YOS) credit to receive a full retirement.
Your total YOS credit are also a factor in calculating the amount of a deferred retirement, a nonduty disability retirement, or a nonduty pre-retirement survivor pension. The more service credit you have, the higher your monthly pension will be.
For retirement purposes, 2,080 hours equals 1 year. You cannot be credited with more than 1 YOS in any given year, and you cannot earn more than 80 hours of service credit in a pay period.
The chart below illustrates how service credit is earned.
| TYPE OF EMPLOYMENT | PERIOD OF TIME | SERVICE CREDIT EARNED |
| Full time | 1 month | 0.0833 of a year |
| Full time | 1 pay period - 80 hours | 0.0385 of a year |
| Part time or job share | 1 pay period - 40 hours | 0.0192 of a year |
| Part time or job share | 1 year - half time | 0.5000 of a year |
You can also receive credit for intervening active-duty military service and for periods you receive weekly workers' compensation payments.
As an active member of the Michigan State Police Retirement System, you may be able to buy service credit for active-duty military service; maternity, paternity, or child rearing time; and VISTA or Peace Corps service. Adding to your service credit enables you to retire earlier with a full retirement. For example, if you have 23 years of earned service credit and have 2 years of purchased service credit, your total service credit is 25 years, and you can retire with a full retirement pension. You can estimate of the cost of purchasing service credit in miAccount.
Generally speaking, it is best to purchase service credit once you've determined an actual retirement effective date, although the cost is less earlier in your career. If you purchase more service than is necessary to retire, your payment cannot be refunded.
Here are some things to consider if you're contemplating a purchase:
If you are interested in purchasing service credit, learn about Types of Service Credit, How to Purchase service credit, and Ways to Purchase service credit.