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 Michigan Office of Retirement Services (ORS) is a 2024 Savings Champion Award recipient from America Saves.
ORS was honored for effectively and actively promoting savings strategies during America Saves Week, which ran April 8-12, 2024, during Financial Literacy Month. ORS was 1 of 18 organizations recognized out of 4,600-plus participants.
During America Saves Week, ORS highlighted savings strategies that help with retirement savings and urged saving for what matters most. You can do that by saving automatically, for the unexpected, for major milestones, and at any age. Also, realize that paying down debt is saving.
Public Act (PA) 158 will take effect on Feb. 13, 2024. The new law allows for a child to remain on retiree insurance until the month in which that child turns 26, regardless of enrollment in post-secondary education or dependency status for tax purposes. For more information, please see Dependent Coverage.
If you wish to enroll a child who is now eligible as a result of this change, you may do so as soon as March 1, 2024 by completing and submitting an Insurance Enrollment/Change Request (R0452H) and all required proofs on or before February 29, 2024. When ORS receives your enrollment request and required proofs , coverage will be effective the first of the following month, if your request is received prior to September 1, 2024. If ORS receives your enrollment request and required proofs on or after September 1, 2024,coverage will start the first of the sixth month after receipt.
Published Feb. 5, 2024
Public Act (PA) 4 of 2023, also known as the Lowering MI Costs Plan, takes effect Feb. 13, 2024.
PA 4 of 2023 amends the Income Tax Act of 1967 to allow all retired members of the Michigan State Police Retirement System (SPRS) who receive a pension to be exempt from state income tax beginning with the 2023 tax year.
Michigan’s 2023 tax return, forms, and instructions (e-file and paper format) incorporate all retirement and pension benefit subtraction options – including those created in the new law. Retirees who filed their taxes prior to the law’s effective date need not file an amended return. The Michigan Department of Treasury will work impacted returns as they are received and prepare them for release after the law’s effective date. For more details, see the Michigan Department of Treasury website.
The Office of Retirement Services will continue to evaluate what the new law means for our members. Please consult a tax professional regarding any questions you may have. For direct information and the exact language of PA 4 of 2023, you can review the full law here.
State Police FAQs for Public Act 4 of 2023 - Retirement State Tax Changes