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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Your pension is based on the average of your two final years of total earnings before the DROP, called final average compensation or FAC, times 60 percent. This amount, divided by 12 is the monthly pension amount you will receive when your DROP period ends.
This pension amount is also used to calculate the value of your DROP account, based on your length of participation in the DROP. If your salary changes during your DROP period, ORS will not recalculate your DROP benefit.
While you are participating in the DROP, a percentage of your monthly retirement pension is credited to your account. This percentage is based on the length of your participation, which you designate on your Deferred Retirement Option Plan (DROP) Election and Application for Retirement (R0732H) form.
Your DROP account will earn three percent interest each year, prorated for any fraction of a year, as long as there is money in the account. At the end of your DROP period, you will have full access to your accumulated DROP balance, including interest.
The corresponding percentages are below.
| DROP PERIOD | PERCENT OF PENSION |
| Less than 1 year | 30% |
| 1 year but less than 2 years | 50% |
| 2 years but less than 3 years | 60% |
| 3 years but less than 4 years | 70% |
| 4 years but less than 5 years | 80% |
| 5 years but less than 6 years | 90% |
| 6 years | 100% |