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 combine methods of payment to purchase service credit.
If you wish to purchase service credit using a lump sum payment (plan-to-plan transfer or check/money order) and also through tax-deferred payment (TDP) deductions, complete the transfer or check payment before you enter into a TDP agreement. The TDP agreement can only be for the remaining service credit after the transfer is complete. Once you receive a receipt for your check or transfer payment, you must then request a new billing statement in miAccount in order to begin your TDP agreement. By making an initial payment for a portion of the service credit, you will reduce the amount of interest you'll be charged on you purchase.
As you approach your retirement or termination, you may want to pay off your TDP agreement balance. You may choose to combine payment methods and send a check/money order or complete a plan-to-plan transfer up to 90 days prior to your termination or retirement.