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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If you leave state police employment with more than 10 years of service, but fewer than 25 years of service, and have not taken a refund of any personal contributions on account, you will qualify for a deferred retirement pension at age 50. (Deferred retirement is not the same as being a Deferred Retirement Option Plan (DROP) participant.)
All deferred pension recipients are eligible for health, dental, and vision benefits, however life insurance is not available.
For information about survivor benefits for deferred members, see Nonduty Preretirement Survivor Pension.
Your annual pension benefit for a deferred retirement is calculated by multiplying your final average compensation (FAC) by 2 percent times your years of service.
Your pension may only be deferred if your separation from the state police did not involve a breach of the public trust.
miAccount is the fastest and easiest way to apply for retirement - five simple steps and you're done! You can also use the Application for Retirement or DROP (R0732H) to apply, however the preferred method is to apply with miAccount. Click here for more details on How to Apply.
Be sure to apply for your deferred retirement pension at least 30 days, but no more than 90 days, before your 50th birthday. Your pension won't be any higher if you wait, and you could even lose money because we can't pay retroactively.