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
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The following chart is a summary of the age and service requirements for different retirement types and the pension calculation for each.
|
RETIREMENT TYPE |
AGE & SERVICE REQUIREMENTS | PENSION FORMULA |
| Full Retirement | Any age with 25 years of service. | FAC x 60% |
| Deferred Retirement | Age 50 with 10 or more years of service. | FAC x 2% x Years of Service |
| Duty Disability | No age or service requirements. | FAC x 60% |
| Nonduty Disability | No age requirement; 10 or more years of service. | FAC x 2.4% x Years of Service |
| Duty Preretirement Survivor | No age or service requirements. | FAC x 60% |
| Nonduty Preretirement Survivor | Active member at death - No age requirement; 10 or more years of service. | FAC x 2.4% x Years of Service |
| Deferred member at death - 10 or more years of service.
The benefit is payable the first of the month following the date you would have reached age 50. |
||
| Survivor Pension | Your spouse or eligible dependents may receive your pension if you die as a retiree. | Same benefit as deceased retiree |