Types of Service Credit
Rounding Out Your Retirement Plans
When your retirement application is processed, we forward your insurance information to the health, prescription drug, dental, and vision insurance carriers. You should receive insurance identification cards and materials 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.
To view Long-Term Care Insurance (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 LTCI plan with LifeSecure, Prudential or MetLife, you can call the vendor directly. For the LifeSecure Indiv
Eligible dependents for health, dental, and vision insurance plans include your spouse (as long as he or she is not also separately enrolled as an eligible state employee or retiree) and your unmarried children by birth, legal adoption, or full legal guardianship.
The Benefits for Life, the retiree-paid, optional coverage program offered through the state of Michigan offers you the opportunity to apply for coverage in key benefit areas. These offerings do not replace your state-sponsored benefit plans. Instead, the program offers additional financial protection with premiums payable through the convenience of pension deduction. Because the plans are optiona
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You can call us between 8:30 a.m. and 5 p.m. Monday through Friday. For more information on how to reach us, see Contact Us.
Pension payments are delivered on the 25th of each month. To learn more, see Your Pension Payments under After Retirement on the left navigation bar.
If you die while an active member.
If you die as a deferred member.
If you die after leaving employment and before being vested.
If you die after you retire.
The Defined Benefit Plan covers state employees hired before March 31, 1997, whereas those first hired after that date are in the 401(k) Defined Contribution Plan. To learn more, see Defined Benefit Plan Home.
The pension formula multiplies your final average salary times the pension multiplier times your years of service. You can find the pension formula under the Defined Benefit Plan Overview on the left navigation bar. You can also use the Estimate Pension feature in miAccount and plug in scenarios to give you an idea of how much you can get and when.