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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The following chart is a summary of the age and service requirements, and the straight life pension formulas for different retirement types.
Retirement At A Glance |
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| Retirement Type | Age & Service Requirements | Straight Life Pension Formula |
| Full Retirement | Age 60 with 10 years of service (YOS). Age 55 and working with 30 YOS. (Unclassified legislative, executive branch, and Department of Community Health employees involved in a facility closing need 5 YOS at age 60.) |
Final average compensation (FAC) x 1.5% x YOS |
| Early Reduced | Age 55 with at least 15 YOS and fewer than 30 YOS. | Straight life pension MINUS 1/2% for each month before age 60 |
| Covered Employees | Age 51 with 25 years in a covered position.* Age 56 with 10 years in a covered position.* *Your last 3 years must have been in a covered position. |
Pension until age 62: (FAC x 1.5% x YOS) PLUS (FAC x 1/2% x covered YOS) |
| Pension at age 62: FAC x 1.5% x YOS |
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| Conservation Officers | Hired before April 1, 1991: No age requirement; 25 YOS with 20 years as a conservation officer.* Hired after April 1, 1991: No age requirement; 25 YOS with 23 years as a conservation officer.* *Your last 2 years must be as a conservation officer. |
2-year FAC x 60% |
| Community Health Facility Closures | Age 51 with 25 YOS.* Age 56 with 10 YOS.* Any age with 25 years in a closing facility. *Your last 5 YOS were in a closing facility. |
FAC x 1.5% x YOS |
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Duty Disability |
No age or service requirements. | Please contact us. |
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Nonduty Disability |
No age requirement; 10 YOS. | Please contact us. |