Here's How Your Retirement Benefit Works
Each month, contributions are made by the University and/or employee based on a percentage of the total payroll. Once you retire, you get a guaranteed monthly benefit, with cost-of-living increases. If you are married, your surviving spouse may be eligible to receive a lifetime survivor benefit. Your retirement benefit is based on your total credited service and your highest 36 consecutive months of pay. One of the ways the state rewards your continued employment is by increasing the value of your retirement benefit for each additional year of service. The more service you have and the higher your annual pay, the higher your retirement benefit.
Disclaimer: Many different rules and laws apply, and there may be exceptions. So please consider this information as reliable, but not necessarily applicable in every situation. If there is any difference between the information provided on this webpage and the law and policies which govern MOSERS, the law and policies will prevail.
Our Retirement Plans
Missouri State Employees' Plan (MSEP)
The MSEP is the existing retirement plan for general employees hired before July 1, 2000. You will continue to participate in the MSEP until retirement if one of the following categories describes your employment status on June 30, 2000. At retirement, you may elect the MSEP or the MSEP 2000 if you:
- Were an active state employee who was, or has since become, vested in the MSEP.
- Were a terminated-vested member of the MSEP (eligible for future retirement benefits under the MSEP, but no longer working for the state).
- Elected the Cash-Out Option under the MSEP and later returned to work in a MOSERS covered position.
- Were receiving disability benefits through the MOSERS disability plan.
- Were on a leave of absence.
Missouri State Employees' Plan 2000 (MSEP 2000)
Since July 1, 2000, the retirement plan for new general state employees has been the MSEP 2000. You are a member of the MSEP 2000 if one of the following categories describes your employment status on or after July 1, 2000:
- You were hired for the first time in a benefit eligible position on or after July 1, 2000.
- You left state employment prior to becoming vested (not eligible for a future retirement benefit) and returned to work in a benefit eligible position on or after July 1, 2000.
Missouri State Employees' Plan 2011 (MSEP 2011)
The MSEP 2011 was created for state employees employed for the first time in a benefit eligible position on or after 1/1/2011. This new tier will require members to contribute 4% of their gross pay. MOSERS will remain a non-contributory defined benefit plan for employees who worked in a benefit eligible position prior to 01/01/2011, but will become a contributory defined benefit plan for employees hired on or after 01/01/2011.
If you are not sure which plan you participate in, please contact the Human Resources Office at (573) 651-2855. You may also contact a MOSERS benefit specialist at (800) 827-1063. Additional information is available at the MOSERS Website: http://www.mosers.org
MSEP 2011 Contribution Beneficiary
Form used by members that wish to designate a beneficiary for their member contributions
MSEP 2011 Refund of Contribution Application
Form used by members that have terminated employment and wish to withdraw their contributions and forfeit their prior service