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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If you're a covered employee (responsible for the care and supervision of prisoners), you may qualify to receive a supplemental pension in addition to your regular pension until age 62 if you meet eligibility requirements. To calculate your pension, figure your straight life pension, which is your final average compensation (FAC) times 1.5% times your years of service (YOS). Then add it to your supplemental pension (FAC times 0.5% times your covered YOS). The month after you turn age 62, your supplemental pension will stop, and you will receive your regular pension only.
If you're in the DB/DC Blend plan, you'll still receive your supplemental pension if you meet eligibility requirements when you terminate employment. Your FAC and YOS are both determined as of the day before you begin in the Defined Contribution plan.
After you calculate your straight life benefit, you can go on to figure your pension under any of the survivor options. Because covered employees qualify under special eligibility rules, you cannot choose the early reduced benefit or equated plans.
If you're a conservation officer, your annual pension will be 60% of your two-year FAC.