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Equated and Survivor Options

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Michigan Office of Retirement Services

Equated and Survivor Options

Payment Options - Equated and Survivor Options

You can elect any of the survivor options and still choose the equated plan. These are known as the 100% equated, 75% equated, and 50% equated plan options.

To calculate your equated survivor pension, we start with your applicable (100%, 75%, or 50%) survivor pension amount. We then use that figure and your Social Security estimate at age 62 to determine your pre-62 and post-62 equated amount. 

If you are interested in creating a combined equated and survivor option pension estimate, refer to our online pension estimator

Additional notes about the equated survivor option

  • If your beneficiary should die before you, your benefit will revert to a straight life equated plan.
  • Upon your death, your survivor will receive the standard survivor amount calculated under a 100%, 75%, or 50% survivor option, as if the equated plan was not chosen.

Glossary of Terms