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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There are three plans within the Defined Benefit (DB) retirement plan - DB Classified, DB 30, and DB/DC Blend. All DB members were able to choose one of the three plans under Public Act 264 of 2011. If you're not sure which plan you're in, log in to miAccount.
As a DB Classified member, you'll remain an active contributing member of the DB Plan until you terminate employment.
As a DB 30 member, you'll remain an active contributing member of the DB Plan until you reach 30 years of service. At that point, you'll become a participant in the Defined Contribution (DC) Plan for future service. Your status in the DB Plan will be active noncontributing member. When you retire, your retirement benefits will be comprised of your pension and the assets in your DC Plan accounts. You remain eligible for retiree health insurance under the DB Plan.
As a DB/DC Blend member, you became a participant in the DC Plan for future service beginning April 1, 2012. Your status in the DB Plan is active noncontributing member. When you retire, your retirement benefits will be comprised of your pension and the assets in your DC Plan accounts. You remain eligible for retiree health insurance under the DB Plan.