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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The following lists the different types of service credit you may be eligible to purchase. Click on each type to learn more about rules, costs, and how to initiate a purchase. Log in to miAccount to view your service credit history and estimate the cost of purchasing service credit.
| TYPE | COST | LIMIT |
|---|---|---|
| Active-duty military | Intervening — no cost to you | 5 years |
| Nonintervening — 5% of full-time compensation in the year that you make payment | 2 years* | |
| Maternity/paternity/child rearing | Actuarial cost | 2 years |
| VISTA/Peace Corps | Actuarial cost | 2 years* |
| Workers' compensation | No cost | Contact the Michigan Office of Retirement Services |
*Maximum of 2 years combined military and VISTA/Peace Corps can be purchased.