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Universal Buy-In (UBI)



Any contributing member of the State Employees' Defined Benefit plan can purchase up to five years of universal buy-in (UBI) service. It is called universal because it may be purchased without being linked to any previous employment.


  • This service cannot be used to satisfy vesting requirements.
  • UBI credit replaces medical leave of absence, fee branch manager, and Vista/Peace Corps service credit purchase options that were eliminated from law as of August 1, 1998. 
  • You may purchase up to five years of UBI service; however this amount is offset by any previous medical leave of absence, Vista/Peace Corps, and/or fee branch manager service purchases you have made. For example, if you already purchased two years of medical leave of absence service, you could purchase up to a total of three years of universal buy-in credit.
  • You cannot purchase more than ten years total from any combination of universal buy-in, parental leave, or other governmental service.
  • You must be an contributing member of the Defined Benefit (DB) plan to initiate a purchase.


You may purchase any fraction of a year increment. Your cost for each year purchased will be a percentage of your previous highest fiscal year (October 1 through September 30) income earned as a state of Michigan employee. That percentage, or actuarial rate, is found in the Actuarial Cost Table .


Request a Member Billing Statement as described in How to Purchase Service Credit .