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 return to State of Michigan employment before you retire, you'll become a participant in the Defined Contribution (DC) plan as of the date of your rehire. You'll retain your eligibility for your pension, insurances, and death and disability benefits under the Defined Benefit (DB) plan.
Your pension calculation will be determined by your final average compensation (FAC) under the DB plan and your years of service (YOS) under the DB plan.
You'll become a participant in the DC plan as of the date of your rehire. But you may continue to earn credit toward vesting for your DB benefits as long as you left any personal contributions on account with the retirement system. If you earn sufficient service credit for vesting, you will be eligible for a pension, insurances, and death and disability benefits under the DB plan.
Your pension calculation will be determined by your FAC under the DB plan and your YOS under the DB plan.
You'll become a participant in the DC plan as of the date of your rehire. You will not be eligible for pension or insurance benefits under the DB plan. But you will participate in a Personal Healthcare Fund that can be used to pay for healthcare expenses in retirement.
You may be eligible for death and disability benefits.
To check which retirement plan you have, log in to miAccount. This information will be on the Account Summary page, or you can click the Member Statement button on the left navigation bar. After checking your account, if you have questions contact our office using the secure Message Board in miAccount.