Types of Service Credit
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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This table estimates your cost to purchase universal buy-in, parental leave, and other governmental service credit.
Directions: Use your age as of the beginning of the current fiscal year (the state fiscal year runs Oct. 1 through Sept. 30). Multiply the applicable percentage rate by your highest previous fiscal year earnings (equating part-time wages to full-time wages) to arrive at the cost of 1 year of service credit.
| Age at Purchase | Percentage Rate | Age at Purchase | Percentage Rate | |
| up to 25 | 12.6% | 43 | 17.5% | |
| 26 | 12.8% | 44 | 17.8% | |
| 27 | 13.0% | 45 | 18.1% | |
| 28 | 13.2% | 46 | 18.4% | |
| 29 | 13.4% | 47 | 18.7% | |
| 30 | 13.6% | 48 | 19.0% | |
| 31 | 13.9% | 49 | 19.3% | |
| 32 | 14.2% | 50 | 19.6% | |
| 33 | 14.5% | 51 | 19.8% | |
| 34 | 14.8% | 52 | 20.0% | |
| 35 | 15.1% | 53 | 20.2% | |
| 36 | 15.4% | 54 | 20.4% | |
| 37 | 15.7% | 55 | 20.6% | |
| 38 | 16.0% | 56 | 20.7% | |
| 39 | 16.3% | 57 | 20.8% | |
| 40 | 16.6% | 58 | 20.9% | |
| 41 | 16.9% | 59 | 21.0% | |
| 42 | 17.2% | 60 and up | 21.1% |