# MoDOT & Patrol Employees' Retirement System

> Serving Those Who Keep Us Safe.

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## Sitemaps

- [XML Sitemap](https://www.mpers.org/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [2026 Financial Status Update](https://www.mpers.org/2026-financial-status-update/): In this update, Scott Simon, Executive Director of MPERS, discusses the retirement system’s record 81.7% funded status, declining employer contribution rates, and the continued progress of MPERS’ long-term funding strategy. He also highlights strong investment performance and a year in which all MPERS Vital Signs metrics were green. Read the transcript below. Here we are
- [What Will Retirement Look Like for Future Generations?](https://www.mpers.org/what-will-retirement-look-like-for-future-generations/): This article explores how retirement is evolving, why Americans continue to value predictable retirement income, and how the experiences of today's workers may differ from those of current retirees.
- [Protecting Your Pension: What to Do When Something Doesn't Seem Right](https://www.mpers.org/protecting-your-pension-what-to-do-when-something-doesnt-seem-right/): Phone calls claiming to be from Social Security. Emails warning that one of your accounts has been compromised. Text messages about unpaid tolls, package deliveries, or suspicious charges. If you’ve experienced any of these, you’re not alone. Scammers increasingly target retirees because they often have established financial accounts, good credit histories, and reliable sources of
- [Keeping Costs in Check](https://www.mpers.org/keeping-costs-in-check/): Every year, retirement systems compare themselves to their peers by examining administrative costs. In simple terms, this measure reflects how much it costs to operate the retirement system and provide services to members and retirees. These costs include processing retirement applications, paying monthly benefits, providing member counseling and education, maintaining technology systems, producing communications, and
- [MPERS Funded Status Reaches 82%, Continuing Multi-Year Improvement](https://www.mpers.org/mpers-funded-status-reaches-82-continuing-multi-year-improvement/): JEFFERSON CITY, MO — September 21, 2026 The MoDOT & Patrol Employees’ Retirement System (MPERS) announced today that its funded status has reached 82% as of June 30, 2026, marking continued progress in strengthening the System’s long-term financial position. Funded status is one of the most important measures of a retirement system’s financial health. It
- [MPERS Receives National Award for Historical Display](https://www.mpers.org/mpers-receives-national-award-for-historical-display/): MPERS received a first-place Blue Pencil Award from the National Association of Government Communicators (NAGC) for its Historical Display at the System’s new headquarters. Presented in the Exhibit or Historical Display category, the award recognizes excellence in government communication and visual design. The installation transforms the main lobby entrance into a visual tribute to MoDOT
- [Understanding How Final Average Pay Affects Your Lifetime Benefit](https://www.mpers.org/understanding-final-average-pay/): Members often focus on years of service or retirement eligibility. While those factors are important, another key component of your pension calculation is your Final Average Pay (FAP).
- [MPERS Awarded GFOA Certificate of Achievement](https://www.mpers.org/mpers-awarded-gfoa-certificate-of-achievement/): (Chicago, Illinois)—Government Finance Officers Association of the United States and Canada (GFOA) has awarded the Certificate of Achievement for Excellence in Financial Reporting to Missouri Department of Transportation & Highway Patrol Employees’ Retirement System for its annual comprehensive financial report for the fiscal year ended June 30, 2025. The report has been judged by an
- [Creditable Service and Your MPERS Benefit](https://www.mpers.org/creditable-service-and-your-mpers-benefit/): Your MPERS retirement benefit is calculated using three factors: your salary, a multiplier, and your total creditable service. Of those three, creditable service is the one you have the most direct ability to influence while you are still working. Creditable service is the total time you have worked in a benefit-eligible MPERS-covered position. Every day
- [MPERS Board of Trustee Elections](https://www.mpers.org/mpers-board-of-trustee-elections/): Welcoming New Trustee J. Bret Johnson The MoDOT & Patrol Employees’ Retirement System (MPERS) is pleased to welcome J. Bret Johnson, retired Missouri State Highway Patrol (MSHP) Superintendent, to its Board of Trustees. Johnson officially begins his service on July 1, 2026, representing retired MSHP members. Johnson brings more than 30 years of leadership experience
- [When Can You Retire? Understanding Your Eligibility](https://www.mpers.org/when-can-you-retire-understanding-your-eligibility/): Knowing your retirement eligibility date matters well before you are ready to retire. It shapes when you can begin the formal retirement process, how you use your remaining years of service, and what your monthly benefit will look like, depending on when you leave. MPERS has several resources that can help you find that date
- [Managing Pensions Efficiently: How MPERS Keeps Costs Low](https://www.mpers.org/managing-pensions-efficiently-how-mpers-keeps-costs-low/): Managing a public pension system involves long-term planning, careful oversight, and responsible use of member and employer contributions. At MPERS, cost control is a core part of how the System operates, helping ensure that benefits are delivered efficiently while keeping administrative and investment expenses in check. Focused Administration MPERS operates with a streamlined administrative structure
- [Want to Work After Retirement? What to Know Before Saying Yes](https://www.mpers.org/want-to-work-after-retirement-what-to-know-before-saying-yes/): Reemployment For some retirees, returning to work can be appealing. Before saying yes to any opportunity, it is important to understand how reemployment could affect your MPERS benefit. Accepting a position in the private sector is easy – no special rules apply related to your MPERS benefit. The same is true for most non-state public
- [Run a Benefit Estimate Before You Guess](https://www.mpers.org/run-a-benefit-estimate-before-you-guess/): Retirement Planning Your annual benefit statement shows where you stand today. A benefit estimate can help you look ahead. The myMPERS benefit estimate tool lets you explore retirement scenarios using your actual salary, service credit, and plan provisions, rather than relying on rough assumptions. You can use it to find retirement eligibility dates, estimate your
- [Your Annual Benefit Statement: What to Review First](https://www.mpers.org/your-annual-benefit-statement-what-to-review-first/): Annual Statement Your annual benefit statement is one of the best tools you have for understanding your benefits and checking that your information is accurate. This statement provides a snapshot of the benefits you receive as an employee of MoDOT, the Highway Patrol, or MPERS. It includes retirement benefits, medical insurance, dental and vision coverage,
- [Explore MPERS Education Opportunities](https://www.mpers.org/explore-mpers-education-opportunities/): Education & Resources At MPERS, we offer educational opportunities for members at various stages of their careers, not just those nearing retirement. Whether you are planning ahead or simply trying to better understand your benefits, our resources are designed to help you make informed decisions. MPERS provides access to pre-retirement seminars and webinars, educational videos,
- [Inflation, Buying Power, and Your MPERS COLA](https://www.mpers.org/inflation-buying-power-and-your-mpers-cola/): Cost-of-Living Adjustment Most people do not think about inflation in abstract terms. They feel it in everyday life: a grocery bill that stretches a little less, utility costs that creep up, a trip to the pharmacy that costs more than it used to. Over time, even small price increases affect how far a monthly benefit
- [What Your Annual Benefit Statement Is Really Showing You](https://www.mpers.org/what-your-annual-benefit-statement-is-really-showing-you/): Annual Statement When your annual benefit statement arrives, it can be easy to glance at the payment amount and move on. But your statement is meant to do much more than confirm one number. It gives you a summary of how your benefit is paid, which deductions are taken, and the information MPERS currently has
- [Your myMPERS Account: Everything You Need](https://www.mpers.org/your-mympers-account-everything-you-need-anytime/): Whether you check in regularly or haven’t logged in for a while, your account gives you 24/7 access to the information that matters most about your MPERS benefits. With tax season underway, now is a great time to log in. Your 1099-R is available in your account whenever you need it; no waiting for the
- [Larry Krummen Inducted into CIO Hall of Fame](https://www.mpers.org/larry-krummen-inducted-into-cio-hall-of-fame/): Larry Krummen, Chief Investment Officer for MPERS, was inducted into the Markets Group CIO Hall of Fame on March 10, 2026, during the Markets Group Central States Institutional Forum in Kansas City, Missouri. The CIO Hall of Fame recognizes chief investment officers who have demonstrated exceptional leadership and sustained long-term investment performance within the institutional
- [Message Center: A Secure Way to Communicate](https://www.mpers.org/message-center-a-secure-way-to-communicate/): Did you know myMPERS includes a Message Center that lets you communicate securely with MPERS? Message Center allows you to send messages directly to MPERS staff and upload documents safely without using email or mail. This helps protect your personal information and ensures your documents are received quickly. Using Message Center, allows you to: Upload
- [Trustee Election Information](https://www.mpers.org/trustee-elections/): MPERS will hold an upcoming election for four elected trustee positions. Here are the important dates.
- [Investing in Your Future: How Employer Contributions Power Your Pension](https://www.mpers.org/investing-in-your-future-how-employer-contributions-power-your-pension/): Understanding the Role of Employer Contributions at MPERS At MPERS, we are committed to delivering secure, lifetime retirement benefits to our members. A key part of this commitment is the employer contributions that fund your pension. Here’s a closer look at how these contributions work and why they are essential to your retirement security. Where
- [Ensuring the Stability of Your MPERS Benefits](https://www.mpers.org/ensuring-the-stability-of-your-mpers-benefits/): At MPERS, we are dedicated to safeguarding your benefits. We understand that the current market volatility may cause concern, but rest assured, MPERS is committed to providing stable and secure retirement benefits. MPERS is managed with a long-term perspective by professional investors focused on meeting obligations that span decades. We rely on strategic asset allocation
- [Celebrating Public Service Appreciation Week](https://www.mpers.org/celebrating-public-service-appreciation-week/): As we celebrate Public Service Appreciation Week from May 4-10, we want to extend our heartfelt thanks and appreciation to all our members for their unwavering dedication and service. Your commitment to public service is the backbone of our community, and we are deeply grateful for your contributions. Behind the scenes at MPERS, our dedicated teams work
- [Pension Scams Are on the Rise— Here’s How to Stay Safe](https://www.mpers.org/pension-scams-are-on-the-rise-heres-how-to-stay-safe/): Pension scams are becoming increasingly common, with fraudsters using sophisticated tactics to deceive retirees and steal their hard-earned savings. Below are some common scams and tips on how you can protect yourself and your retirement savings. Common Types of Pension Scams Free Pension Reviews: Scammers offer free reviews to gather personal information, posing as legitimate financial
- [MPERS Celebrates 70 Years of Service This August](https://www.mpers.org/mpers-celebrates-70-years-of-service-this-august/): MPERS was established through Senate Bill 66, which became effective on August 29, 1955. Originally known as the Highway Employees’ and Highway Patrol Retirement System, the System accepted its first 109 retirements just one month later, on October 1, 1955. In its early years, MPERS operated without dedicated staff. It wasn’t until 1988 that the
- [1099-R Forms Are Now Available](https://www.mpers.org/1099-r-forms-are-now-available/): Good news! MPERS has mailed out this year’s 1099-Rs, and they are officially on the way to your mailbox. If you don’t want to wait for the paper copy, you can view and print your 1099-R anytime through your myMPERS account. Just log in and download your form instantly. If you worked and retired during
- [2026 Retirement Education Schedule](https://www.mpers.org/2026-retirement-education-schedule/): Ready to take the next step in understanding your MPERS benefits? Our 2026 education lineup is here, offering helpful sessions for every stage of your career. MPERS provides two types of learning opportunities each year, whether you’re planning ahead for retirement or just want to better understand your benefits. 2026 Live Mid-Career Webinar Schedule Mid-Career
- [2026 Cost-of-Living Adjustment (COLA)](https://www.mpers.org/2026-cost-of-living-adjustment-cola-announced/): MPERS is pleased to announce that the 2026 Cost-of-Living Adjustment (COLA) rate has been set at 2.152%. This annual adjustment helps retirees keep pace with inflation.
- [Staying Safe from Fraud and Scams in 2026](https://www.mpers.org/staying-safe-from-fraud-and-scams-in-2026/): As we welcome a new year, it’s a perfect time to refresh our awareness of the latest fraud and scam tactics. Scammers continue to target retirees because they often have predictable income sources and may be more trusting of unsolicited calls or messages. The good news: a few simple habits can help you stay protected.
- [Understanding Your MPERS Retirement Benefits](https://www.mpers.org/understanding-your-mpers-retirement-benefits/): Your MPERS retirement plan is one of the most important benefits you have as a MoDOT or MSHP employee. Knowing how it works can help you make informed decisions about your financial future. Key Topics Every Member Should Know Your Plan Type: Whether you are in the Closed Plan, Year 2000 Plan, or 2011 Tier,
- [Vital Signs: A Healthy System in FY 2025](https://www.mpers.org/mpers-vital-signs-a-healthy-system-in-fy-2025/): Each year, MPERS reviews its Vital Signs, key indicators that measure the overall health and stability of the retirement system. These metrics cover areas such as benefit administration, compliance, cybersecurity, financial audits, and investment performance. For Fiscal Year 2025, the results are clear: ✅ All Vital Signs are green. This means MPERS met or exceeded
- [Board Meeting Summary – November 2025](https://www.mpers.org/board-meeeting-summary-november-2025/): Date: November 20, 2025 Time: 12:00 p.m. Approval of Board Meeting Minutes The Board approved the minutes of the September 18, 2025 meeting. These minutes, as well as those from prior meetings, can be found on MPERS’ website. Minutes from the current meeting will be posted after they are adopted at the Board’s next regular
- [MPERS Releases 2025 Annual Financial Reports: ACFR and PAFR Available Online](https://www.mpers.org/mpers-releases-2025-annual-financial-reports-acfr-and-pafr-available-online/): Discover MPERS’ 2025 Annual Financial Reports, including the ACFR and PAFR. Learn about record funded status, strong investment returns, and long-term performance. Access reports and Vital Signs dashboard at mpers.org.
- [MPERS Financial Status Update 2025](https://www.mpers.org/mpers-financial-status-update-2025/): In this update, Scott Simon, Executive Director of MPERS, explains the latest developments in the financial health of the retirement system and what they mean for members. With encouraging news about MPERS’ funded status and a noticeable shift in employer contribution rates, Scott provides clarity on how these changes reflect long-term progress and continued stability.
- [We Have Moved to 813 W Stadium Blvd](https://www.mpers.org/we-have-moved-to-813-w-stadium/): Starting Monday, September 29, you’ll find us at our new location: 813 W Stadium Blvd, Jefferson City, MO 65109. Our new space is designed with you in mind, offering improved access for one-on-one retirement consultations, expanded capacity for member education events, and a more professional environment overall. Whether you're visiting to update your records or
- [MPERS Funded Status Reaches 75.7%!](https://www.mpers.org/mpers-funded-status-reaches-75-7/): MPERS has reached a significant milestone in its financial journey. As of June 30, 2025, the plan is 75.7% funded, the highest level in MPERS' history. This achievement reflects the impact of strong investment returns, disciplined funding policies, and years of strategic decisions by the Board. The investment portfolio finished the year strong and earned
- [Board Meeting Summary - September 2025](https://www.mpers.org/board-meeting-summary-september-2025/): Date: September 18, 2025 Time: 12:00 p.m. Approval of Board Meeting Minutes The Board approved the minutes of the June 20, 2025 meeting. These minutes, as well as those from prior meetings, can be found on MPERS’ website. Minutes from the current meeting will be posted after they are adopted at the Board’s next regular
- [Why Your Retirement Contribution Looks Lower](https://www.mpers.org/why-your-retirement-contribution-looks-lower/): Scott Simon, Executive Director of MPERS, explains why the retirement contribution amount on your paycheck may appear smaller, and why that’s actually good news
- [We're Moving to a New Location Soon!](https://www.mpers.org/were-moving-to-a-new-location-soon/): Exciting changes are underway at MPERS as we prepare for our upcoming office move. Our new space is designed with members in mind, offering improved access for one-on-one meetings and expanded capacity for member education events. Whether you’re visiting for a retirement consultation or attending a seminar, we’re committed to making your experience even better.
- [Knowing Your Benefits is Easier than Ever!](https://www.mpers.org/knowing-your-benefits-is-easier-than-ever/): We’re excited to launch the newly redesigned MPERS.org! Whether you're just starting your career or planning for retirement, our website is better than ever.
- [MPERS Celebrates 70 Years of Service](https://www.mpers.org/mpers-celebrates-70-years-of-service/): This year marks a historic milestone: the 70th anniversary of the MoDOT and Patrol Employees’ Retirement System (MPERS). Established through Senate Bill 66, which became effective on August 29, 1955, MPERS began its journey with no startup funding. Monthly contributions from employees and employers were the only source of support. Just one month later, the
- [Employer Contribution Rate Reduced, Retirement Benefits Remain Secure](https://www.mpers.org/employer-contribution-rate-reduced-retirement-benefits-remain-secure/): Employer contribution rates for retirement benefits have decreased this year, continuing a positive trend, particularly on the civilian side. These reductions reflect continued progress in strengthening the financial health of the retirement system. This development is especially encouraging for employers, as it reduces their financial obligation while maintaining the integrity of the retirement plan. What
- [Board Meeting Summary - June 2025](https://www.mpers.org/board-meeting-summary-june-2025/): Date: June 20, 2025 Time: 12:00 p.m. Approval of Board Meeting Minutes The Board approved the minutes of the February 21, 2025 meeting. These minutes, as well as those from prior meetings, can be found on MPERS’ website. Minutes from the current meeting will be posted after they are adopted at the Board’s next regular
- [MPERS Receives Award for 20th Consecutive Year](https://www.mpers.org/mpers-receives-award-for-20th-consecutive-year/): (Chicago, Illinois)—Government Finance Officers Association of the United States and Canada (GFOA) has awarded the Certificate of Achievement for Excellence in Financial Reporting to Missouri Department of Transportation & Highway Patrol Employees' Retirement System for its annual comprehensive financial report for the fiscal year ended June 30, 2024. The report has been judged by an
- [Public Pensions: A Revenue Generator for Missouri](https://www.mpers.org/17758-2/): In the latest 2025 edition of its landmark study, the National Conference on Public Employee Retirement Systems (NCPERS) reveals a compelling truth: public pensions are not a cost burden—they are a powerful economic engine. The report, titled Unintended Consequences: How Scaling Back Public Pensions Puts Government Revenues at Risk, shows that in 2023 alone, public
- [How MPERS Keeps Costs Low—and Your Retirement Strong](https://www.mpers.org/how-mpers-keeps-costs-low-and-your-retirement-strong/): MPERS is committed to efficiently delivering secure, lifetime retirement benefits. In this issue, we are spotlighting how your retirement system keeps costs low while maximizing value. Here’s how we do it: Lower administrative costs than most other similarly sized public pension plans Pooled investments that reduce overhead and boost returns Sustainable funding strategies that protect

## Pages

- [Home](https://www.mpers.org/): MPERS provides sustainable retirement, survivor, and disability benefits for the lifetime of our members.
- [MPERS Staff](https://www.mpers.org/mpers-staff/): Our team is made up of dedicated professionals across five divisions and two specialized units. Learn more about their role and contributions at MPERS.
- [Brochures](https://www.mpers.org/publications/brochures/): Have questions? We’ve got answers. Explore our brochures covering topics such as BackDROP, divorce, military service, and understanding your retirement benefits.
- [Pension Value Comparison](https://www.mpers.org/tools-calculators/pension-value-comparison/): MPERS Pension Value Comparison Estimate the projected MPERS pension, its retirement value, and the employee savings needed to build comparable retirement income. Illustrative assumptions: Age 25 today, retirement at 62, 1% annual salary increases while active for both salaries, 2% pension COLA after retirement, 7% return before retirement, and 4% return during retirement. Current Annual
- [Total Compensation Calculator](https://www.mpers.org/total-compensation-calculator/): Total Compensation Calculator Home /Total Compensation Calculator The Total Compensation Calculator is designed to show current and prospective employees the value of the investment their employer is making in their future. Enter a monthly salary to see how retirement, health insurance, life insurance, Social Security, and paid leave add up to a total compensation package
- [Actuarial Valuations & Experience Studies](https://www.mpers.org/publications/annual-valuations/): Actuarial Valuations & Experience Studies Home /Publications/Actuarial Valuations & Experience... The basic financial objective of MPERS is to establish and receive contributions which 1) when expressed in terms of percentage of active member payroll, will remain approximately level from generation to generation of Missouri citizens, and which 2) when combined with present assets and future
- [Pension Value Calculator](https://www.mpers.org/tools-calculators/pension-value-calculator/): Pension Value Calculator Home /Tools & Calculators/Pension Value Calculator Pension Value Calculator See the full value of your MPERS pension compared to what a private-sector 401(k) would require. Important Notice: This calculator provides an illustrative comparison between an MPERS pension and a private-sector 401(k). Results are based on user-selected assumptions and are not guaranteed. What
- [Vital Signs Dashboard](https://www.mpers.org/about/vital-signs-dashboard/): MoDOT & Patrol Employees’ Retirement System Fiscal Year 2026 Vital Signs — — Twenty-nine measures across five areas, each scored against the board’s established thresholds. Results as of, or for the year ended, June 30, 2026. Source: MPERS FY2026 Vital Signs Dashboard. Gauge bands and historical thresholds reflect the criteria published in that report. Explanatory notes describe
- [Board Meetings](https://www.mpers.org/trustees/board-meetings/): Board Meetings Home /Trustees/Board Meetings The Board of Trustees is required by statute to meet within the State of Missouri at least once each quarter upon written notice of the chairman or upon the request of any four members. Board and committee meeting dates are listed below. Meeting dates may be subject to change. Board Meetings
- [Asset Allocation](https://www.mpers.org/asset-allocation/): Asset Allocation Home /Asset Allocation The time horizon of the System’s investment portfolio reflects the long-term nature of MPERS’ pension obligations. Accordingly, diversification among investments displaying unique risk and return characteristics provides the framework for selecting an asset allocation that is expected, in the aggregate, to give the fund the highest long-term return within a
- [Investment Reports](https://www.mpers.org/investment-reports/): MPERS’ objective is to provide service, disability, death, and retirement benefits to members and their beneficiaries.
- [Quarterly Investment Updates](https://www.mpers.org/investments/quarterly-investment-updates/): Quarterly investment updates, prepared by MPERS’ Chief Investment Officer, offer a comprehensive view of the fund's investment performance and asset allocation.
- [Total Fund Performance](https://www.mpers.org/investments/total-fund-performance/): Total Fund Performance Home /Investments/Total Fund Performance The Board has established a long-term objective to achieve a total investment return of at least 6.5%. The total fund return is compared to the policy benchmark, which represents the returns that would have been achieved by a portfolio passively invested in the broad market, with percentage weights
- [New Hire Knowledge Check](https://www.mpers.org/new-hire-knowledge-check/): New Hire Knowledge Check Home /New Hire Knowledge Check
- [Economic Impact Dashboard](https://www.mpers.org/about/economic-impact-dashboard/): Skip to main content MPERS Economic Impact Dashboard A five-year look at how MPERS benefits ripple through Missouri’s economy: active-member payroll, benefit payments, membership trends, new-retiree averages, county-by-county impact, and the broader statewide value of defined-benefit pensions. FY22–FY25 figures are drawn from MPERS’s published Economic Impact Reports; FY26 figures reflect the connected source workbooks for
- [Board Members](https://www.mpers.org/trustees/board-members/): MPERS is governed by a Board of Trustees. As set out in Section 104.160 of the Revised Statutes of Missouri, the Board is comprised of 11 members.
- [Retirement Eligibility](https://www.mpers.org/members/retirement-eligibility/): Your eligibility for retirement depends on your age and creditable service you have earned.
- [MPERS-Quiz](https://www.mpers.org/mpers-quiz/): MPERS Knowledge Quiz Home /MPERS-Quiz src=”https://www.mpers.org/wp-content/uploads/ten-eight.html” width=”100%” height=”780″ frameborder=”0″ scrolling=”auto” title=”Ten-Eight” style=”display:block; border:none; border-radius:6px; box-shadow:0 2px 20px rgba(0,48,135,0.12);” src=”https://www.mpers.org/wp-content/uploads/mpers_knowledge_quiz.html” width=”100%” height=”780″ frameborder=”0″ scrolling=”auto” title=”Who Wants to Retire Comfortably? — MPERS Knowledge Game” style=”display:block; border:none; border-radius:6px; box-shadow:0 2px 20px rgba(0,48,135,0.12);”
- [Tax-Free Rollovers](https://www.mpers.org/members/service-purchases-and-transfers/tax-free-rollovers/): Tax-Free Rollovers Home /Members/Service Purchases and Transfers/Tax-Free Rollovers If you are purchasing or reinstating service credit, you may be able to use eligible retirement funds from another qualified retirement plan through a tax-free rollover. Using a Rollover to Buy Service Credit A tax-free rollover allows funds from one qualified retirement account to be transferred directly
- [Organizational Chart](https://www.mpers.org/about-mpers/organizational-chart/): The Executive Director of MPERS oversees the offices and records of the System and is responsible for hiring necessary employees, subject to the approval of the Board of Trustees.
- [Frequently Asked Questions](https://www.mpers.org/frequently-asked-questions/): Frequently Asked Questions Home /Frequently Asked Questions Do I apply to retire through MPERS or my employer? Your Notice of Retirement form must ultimately be submitted to MPERS. You can complete the Notice of Retirement form electronically via your myMPERS Secure Member Access account or you can contact MPERS or your employer to obtain a
- [Employers](https://www.mpers.org/employers/): Employers Home /Employers HR Connection Newsletter The HR Connection is a newsletter for payroll, benefits, and human resources staff of MoDOT and the Highway Patrol. It provides legislative and policy updates related to MPERS and serves as a forum to address any questions or confusion about our daily work. Please email Angel.Backes@mpers.org with any questions
- [Service Purchases and Transfers](https://www.mpers.org/members/service-purchases-and-transfers/): This page provides information for MPERS members interested in transferring or purchasing service credit.
- [Workplace Possibilities](https://www.mpers.org/workplace-possibilities/): Workplace Possibilities Home /Workplace Possibilities Employees are one of our most valued assets – they are vital to the success of our organization. Because of this, it is crucial that they be given the resources they need to perform their jobs with the utmost possible health, productivity, and comfort. To achieve this goal, MPERS has partnered with
- [Contact Us](https://www.mpers.org/contact-us/): At MPERS, we are committed to providing exceptional service and support to our members. Whether you have questions about your retirement benefits, need help with forms, or want to schedule a personal counseling session, our knowledgeable team is ready to assist you.
- [Strategic Plan](https://www.mpers.org/strategic-plan/): Strategic Plan Home /Strategic Plan MPERS implemented a five-year strategic plan in 2022. The following documents include a general overview of the strategic plan as well as a comprehensive timeline for each of the goals mentioned in the overview. Please select the document you wish you view.
- [Members](https://www.mpers.org/members/): Members Home /Members It is never too early to begin thinking about retirement. Taking the time to understand your retirement benefits early in your career can lead to a comfortable retirement when the time comes. The retirement laws in effect on the date the member leaves state employment determine both eligibility for a benefit and
- [Publications](https://www.mpers.org/publications/): From brochures to handbooks that describe your retirement and disability benefits, a wealth of information is available online or by contacting our benefit counselors.
- [BackDROP Comparison](https://www.mpers.org/tools-calculators/backdrop-comparison/): BackDROP Comparison Home /Tools & Calculators/BackDROP Comparison Important Notice: This calculator is not binding on MPERS, its Board of Trustees, or the State of Missouri. Enter benefit amounts directly from your official myMPERS estimate. Investment return projections are hypothetical and not guaranteed. In any conflict between this tool and the law, the law prevails. How
- [Comparator](https://www.mpers.org/tools-calculators/comparator/): The Comparator Home /Tools & Calculators/Comparator Important Notice: This CompaRATOR is not binding on MPERS, its Board of Trustees, or the State of Missouri. All estimates are subject to final verification by MPERS. Enter benefit amounts from your myMPERS secure member account. In any conflict between this tool and the law, the law prevails. Step
- [Governance Policies](https://www.mpers.org/trustees/governance-policies/): “Governance” refers to the method by which the System is directed and controlled. A sound governance structure defines the roles of the different parties that participate in the decision-making process, including the identification of the matters that require action, analysis of options, and the process for making decisions once issues have been evaluated.
- [Board Rules](https://www.mpers.org/trustees/board-rules/): Board Rules Home /Trustees/Board Rules The board has the responsibility of establishing and maintaining broad policies and objectives for all aspects of the retirement system’s operation. By law, the Board is responsible for formulating and adopting rules and regulations for the government of its own proceedings and for the administration of the system. Chapter 1
- [Forms](https://www.mpers.org/forms/)
- [Benefit Formula](https://www.mpers.org/members/benefit-formula/): Your retirement benefit amount is determined by a formula established by law. The more creditable service you have and the higher your final average pay, the greater your base benefit amount.
- [Technology Accessibility Statement](https://www.mpers.org/technology-accessibility-statement/): Technology Accessibility Statement Home /Technology Accessibility Statement The MoDOT & Patrol Employees’ Retirement System (MPERS) is committed to ensuring that our website and digital applications are accessible to all users. Accessibility is an ongoing priority, and we are continually working to improve our platforms as new technologies and opportunities emerge. This statement reflects MPERS’ dedication
- [Video Library](https://www.mpers.org/video-library/): Welcome to the MPERS Video Library — your go-to resource for understanding your retirement benefits, planning for the future, and staying informed about the MPERS Retirement System.
- [Secure File Upload](https://www.mpers.org/secure-file-upload/): MPERS Secure File Upload is a robust file-sharing solution designed to protect your personal information when you send documents to MPERS.
- [MPERS' Bidding History](https://www.mpers.org/mpers-bidding-history/): MPERS’ Bidding History MPERS maintains a number of consultant/vendor relationships that are essential to carrying out the responsibilities of the System. Some of those key relationships are listed below along with the previous two times a bid process for those services was completed. Many of these relationships require a review every few years while others
- [Work-Related Disability](https://www.mpers.org/members/disability-benefits/work-related-disability-benefit-amount/): Work-Related Disability Home /Members/Disability Benefits/Work-Related Disability As an active member of a plan administered by MPERS, the state provides work-related disability (WRD) insurance at no cost to you. Work-Related Disability (WRD) Insurance WRD insurance is intended to replace a percentage of income lost as a result of a disability that arises out of or in
- [Tools & Calculators](https://www.mpers.org/tools-calculators/): Tools & Calculators Home /Tools & Calculators This page is intended to provide you with the tools you need to prepare for and enjoy your retirement. We hope you find these tools and calculators helpful and informative. Gross-to-Net Benefit Calculator This tool can be found in your myMPERS Secure Member Access and is provided for your convenience
- [The HR Connection](https://www.mpers.org/the-hr-connection/): The HR Connection Newsletter Home /The HR Connection The HR Connection is a newsletter intended for payroll, benefits & human resources staff of MoDOT & the Highway Patrol. It provides legislative and policy updates related to MPERS and serves as a forum to address any questions or concerns regarding our daily work. Please email Angel
- [Member Reports](https://www.mpers.org/publications/member-profile-reports/): Member Profile Reports Home /Publications/Member Reports The Member Profile Report is designed to provide the MPERS Board of Trustees and human resource representatives from MoDOT and Patrol with an annual snapshot of the membership and information that may be useful in understanding the retirement system. MPERS Member Profile Report FY 2025 MPERS is pleased to
- [Long-Term Disability](https://www.mpers.org/members/disability-benefits/long-term-disability/): Long-Term Disability Home /Members/Disability Benefits/Long-Term Disability As an active member of a plan administered by MPERS, the state provides long-term disability (LTD) insurance at no cost to you. LTD insurance is intended to replace a percentage of your income that is lost as a result of not being able to work due to an accident,
- [Disability FAQ](https://www.mpers.org/disability-faq/): Disability FAQ Home /Disability FAQ People insure their lives, health, homes, and other possessions; however, what about one of their most important assets—the ability to earn income? Disability insurance protects your earning ability by providing partial income replacement in the event you become disabled. How does disability insurance work? Do you have to pay for
- [Investments](https://www.mpers.org/investments/): The investment portfolio is constructed to generate a total return that is sufficient to meet current and future benefit payment obligations.
- [Popular Annual Financial Reports](https://www.mpers.org/publications/popular-annual-financial-reports/): MPERS produces a Popular Annual Financial Report each year to give a clear, easy-to-understand summary of the System’s financial health and key activities.
- [Economic Impact](https://www.mpers.org/about-mpers/economic-impact/): Economic Impact Home /About MPERS/Economic Impact Publicly funded defined-benefit (DB) pension plans play a vital role in ensuring that former public servants have the resources they need to be self-sufficient in their retirement years. Please view the document below to see how MPERS retirement benefit payments impact each county in the state, as well as the
- [Annual Comprehensive Financial Reports](https://www.mpers.org/publications/annual-reports/): Annual Comprehensive Financial Reports Home /Publications/Annual Comprehensive Financial Reports As a component unit of the State of Missouri, MPERS is required to annually produce an Annual Comprehensive Financial Report. This report is intended to provide MPERS’ stakeholders with a thorough review of the System’s operations for the past fiscal year. The material presented in these
- [Who We Are](https://www.mpers.org/about-mpers/who-we-are/): Who We Are Home /About MPERS/Who We Are At MPERS, our mission is simple: to provide sustainable retirement, survivor, and disability benefits for the lifetime of our members. The MoDOT and Patrol Employees’ Retirement System (MPERS) was established in 1955 to provide retirement and survivor benefits, disability benefits, and death benefits for members of MPERS.
- [What We Do](https://www.mpers.org/about-mpers/what-we-do/): At MPERS, our mission is simple: to provide sustainable retirement, survivor, and disability benefits for the lifetime of our members.
- [Vital Signs](https://www.mpers.org/vital-signs/): Vital Signs Home /Vital Signs MPERS uses an oversight tool, Vital Signs, to enhance the Board of Trustees’ insight into the System’s performance. Much like the vital signs used to assess personal health, MPERS’ Vital Signs offer a focused, at-a-glance view of how the organization is functioning. Why Vital Signs? MPERS has always tracked a
- [Useful Links](https://www.mpers.org/useful-links/): Useful Links Home /Useful Links The links provided below will take you to websites outside of the MPERS domain. Please note that MPERS is not responsible for the content, accuracy, relevance, timeliness, or completeness of information found on these third-party sites. We do not endorse or guarantee the information provided by these external sources and
- [Targeted Topics](https://www.mpers.org/targeted-topics-videos/): Targeted Topics Home /Targeted Topics Our targeted topic videos break down common MPERS retirement questions into short, easy-to-follow explanations. Whether you are early in your career or preparing for retirement, these videos can help you understand your benefits and next steps. Retirement Eligibility Transcript MPERS Retirement Eligibility – Transcript Type: Text transcript of narrated video
- [How Are We Doing?](https://www.mpers.org/how-are-we-doing/): How Are We Doing Home /How Are We Doing?
- [Disclaimer](https://www.mpers.org/disclaimer/): Disclaimer Home /Disclaimer Terms and Conditions – Same as Legal Disclaimer MPERS established this website to provide members with general information about their benefits and benefits-related resources. All information provided on this website, and any benefit estimates or other financial or tax calculations produced through this website, are not binding on MPERS, its Board of
- [Careers](https://www.mpers.org/careers/): Join our Team! At MPERS, our mission is simple: Provide sustainable benefits for the lifetime of our members. To carry out this mission, our staff of 23 works diligently to ensure our members receive the highest level of service and that the funds entrusted to us are skillfully invested. Our smaller size allows our team members
- [Bona Fide Separation and Reemployment](https://www.mpers.org/bona-fide-separation-and-reemployment-after-retirement-faq/): Bona Fide Separation and Reemployment after Retirement FAQ Home /Bona Fide Separation and... What is a bona fide separation of service? A bona fide separation of service is an IRS requirement that has two parts: A legitimate break in service and No prearranged future employment with employers covered under the MoDOT & Patrol Employees’ Retirement
- [Bidding Opportunities](https://www.mpers.org/about-mpers/proposals-requested/): Bidding Opportunities Home /About MPERS/Bidding Opportunities The Missouri Department of Transportation and Highway Patrol Employees’ Retirement System (MPERS) periodically issues Requests for Proposals (RFPs) to invite qualified vendors, consultants, and organizations to collaborate on a variety of projects, research studies, and strategic initiatives. These opportunities are designed to ensure transparency, encourage competition, and bring in
- [Which Plan Am I In](https://www.mpers.org/members/which-plan-am-i-in/): Which Plan am I in? Home /Members/Which Plan Am I... The date on which you were first hired in a benefit-eligible position will determine your membership in the Closed Plan, Year 2000 Plan or 2011 Tier. 2011 Tier If you were hired for the first time on or after January 1, 2011, you are a
- [The Retirement Process](https://www.mpers.org/members/retirement-process/): The Retirement Process Home /Members/The Retirement Process MPERS utilizes a 2-Step Retirement Process. This process allows MPERS to provide you with more individualized information. Before you begin the retirement process, we encourage you to meet with an MPERS benefit counselor to discuss your individual options. At retirement, you will make critical decisions that cannot be changed once payments
- [Seminars & Webinars](https://www.mpers.org/members/seminars-webinars/): Seminars & Webinars Home /Members/Seminars & Webinars Planning for retirement might seem far away—or right around the corner. No matter where you are in your career, MPERS is here to help. Our seminars and webinars are designed to give you the tools and confidence to make smart decisions about your future. Whether you’re just getting
- [Retirement Terms 101](https://www.mpers.org/members/retirement-terms-101/): Retirement Terms 101 Home /Members/Retirement Terms 101 Planning for retirement can feel overwhelming, especially when you’re faced with unfamiliar terms and acronyms. Whether you’re early in your career or nearing retirement, this guide will help you feel more confident about what’s ahead. Watch: Benefit Basics – Retirement Terms 101 Read video transcript MPERS Retirement Terms
- [Frequently Asked Questions](https://www.mpers.org/members/retirement-faq/): Retirement FAQ Home /Members/Frequently Asked Questions BackDROP How do I roll over my BackDROP distribution to the Missouri Deferred Compensation Plan? In order to defer taxation, you can roll over your BackDROP to an IRA or an eligible employer-sponsored retirement plan, including the Missouri Deferred Compensation Plan. Please note that rollovers to Roth IRAs are
- [Retirees](https://www.mpers.org/retirees/): Retirees Home /Retirees MPERS retirees dedicated their careers to serving their communities, and they continue to make a difference today. As a retiree, staying connected to MPERS helps ensure your benefits are managed smoothly and your information stays current. You can make updates, view benefit details, and access important documents anytime through myMPERS. And remember, we’re
- [Your Pension Benefits](https://www.mpers.org/members/pension-benefits/): MPERS is a defined benefit plan, commonly referred to as a pension. This type of plan provides retirement and disability benefits for eligible employees of MPERS.
- [Personal Counseling Session](https://www.mpers.org/personal-counseling-session/): If you have questions about your retirement benefits or need help completing forms, our team is here to help through one‑on‑one personal counseling sessions.
- [New Members](https://www.mpers.org/new-members/): New Members Home /New Members At MPERS, we believe that planning ahead is essential to achieving a financially secure and enjoyable retirement. As a new member, you’re part of a system designed to support you throughout your career and into retirement. Here’s what you need to know to get started: Your Benefits Members Pension Benefits
- [Mid-Career Checkup Webinar](https://www.mpers.org/members/seminars-webinars/mid-career-checkup-webinar/): Mid-Career Checkup Webinar Home /Members/Seminars & Webinars/Mid-Career Checkup Webinar MPERS and MO Deferred Comp have partnered to help members and participants prepare for retirement sooner rather than later. These webinars are designed for active employees of the Missouri Department of Transportation (MoDOT) and the Missouri State Highway Patrol (MSHP) who have 5–15 years of service,
- [Leaving State Employment](https://www.mpers.org/leaving-state-employment/): Leaving State Employment Home /Leaving State Employment Leaving your position with the State of Missouri is a significant decision that can impact your future retirement benefits. Whether you’re vested or not, it’s important to understand how your departure affects your service credit, contributions, and eligibility for benefits. Vested vs. Non-Vested Status Vested Members (5+ years
- [Handbooks](https://www.mpers.org/publications/handbooks/): Handbooks Home /Publications/Handbooks Closed Plan Handbook Year 2000 Plan & 2011 Tier Handbook Disability Handbook
- [Divorce and Your MPERS Benefit](https://www.mpers.org/divorce-and-your-mpers-benefit/): Divorce and Your MPERS Benefit Home /Divorce and Your MPERS... Are you “vested” with the MoDOT and Patrol Employees’ Retirement System (MPERS)? If so, your retirement benefit from MPERS is considered “marital property.” If you have been married at any time while earning service credit under MPERS and you are considering a divorce, your spouse
- [How Interest is Calculated on Contributions](https://www.mpers.org/members/credited-interest-2011-tier-members/): How Interest is Calculated and Applied to Member Contributions Home /Members/How Interest is Calculated... The following information outlines how interest is credited to the accounts of 2011 Tier members under the retirement system. Each year, eligible members—those who are either actively employed or vested—receive interest on their 4% payroll contributions. Interest on Contributions For members
- [Comparison of Closed Plan/Year 2000 Plan](https://www.mpers.org/members/comparison-of-plans/): Comparison of Closed Plan/Year 2000 Plan Home /Members/Comparison of Closed Plan/Year... At retirement, members of the Closed Plan may elect to stay in the Closed Plan or switch to the Year 2000 Plan. Selecting a retirement plan is a personal decision that requires a thorough understanding of the differences between the plans and careful consideration
- [Life Events](https://www.mpers.org/members/life-events/): MPERS is here to help you understand how each milestone affects your benefits and what steps you may need to take.
- [BackDROP](https://www.mpers.org/members/backdrop/): BackDROP is a payment option allows you to receive a lump-sum payment at retirement in addition to your ongoing monthly benefit.
- [Cost-of-Living Adjustments (COLAs)](https://www.mpers.org/retirees/cost-of-living-adjustments-colas/): Cost-of-Living Adjustments Home /Retirees/Cost-of-Living Adjustments (COLAs) MPERS provides an annual COLA to eligible retired members, surviving spouses, former spouses, beneficiaries, surviving children under the age of 21, and work-related disability recipients. Regardless of which plan you are in, the annual COLA rate is based on 80% of the percentage increase in the Consumer Price Index
- [Survivor Benefits](https://www.mpers.org/retirees/survivor-benefits/): The benefit payment option you select at retirement determines whether a benefit will be paid to a beneficiary and how much they will receive.
- [Working After Retirement](https://www.mpers.org/retirees/working-after-retirement/): Working after retirement is common among retirees. Each MPERS' plan has differing rules about what happens to your MPERS benefit if you return to work with the State of Missouri.
- [Changing Your Tax Withholding](https://www.mpers.org/retirees/changing-your-tax-withholding/): Learn how MPERS tax withholding works, how to make or change elections, rollover rules, and where to calculate federal and Missouri tax withholding.
- [Planning for the Unexpected](https://www.mpers.org/retirees/planning-for-the-unexpected/): This page is designed to help you prepare for the future, whether you're organizing your personal affairs or navigating the loss of a loved one.
- [Pay Days](https://www.mpers.org/retirees/pay-days/): Pay Days Home /Retirees/Pay Days At MPERS, we understand the importance of relying on your pension payment. That’s why we make sure your benefit is delivered reliably and securely each month. When Will I Get Paid? MPERS pension benefits are issued on the last business day of each month. If that day falls on a
- [The Pensioner - Newsletter](https://www.mpers.org/publications/newsletters/): The Pensioner – Newsletter Home /Publications/The Pensioner – Newsletter To better serve our members and provide more timely updates, MPERS has replaced traditional newsletters with the News section of our website. This section is an archive of previous newsletters. Retired Member Newsletters In the Moment: March 2025 In the Moment: February 2025 In the Moment:
- [Active Member Newsletters - Prior Editions](https://www.mpers.org/publications/newsletters/active-member-newsletters-prior-editions/): Active Member Newsletters – Prior Editions < Home /Publications/The Pensioner – Newsletter/Active Member Newsletters –... 2024 Looking Forward: May 2024 Looking Forward: April 2024 Looking Forward: March 2024 Looking Forward: February 2024 Looking Forward: January 2024 2023 Looking Forward: December 2023 Looking Forward: November 2023 Looking Forward: October 2023 Looking Forward: September 2023 Looking Forward:
- [Retiree Newsletters - Prior Editions](https://www.mpers.org/publications/newsletters/retiree-newsletters-prior-editions/): Retiree Newsletters – Prior Editions Home /Publications/The Pensioner – Newsletter/Retiree Newsletters – Prior... 2024 In the Moment: May 2024 In the Moment: April 2024 In the Moment: March 2024 In the Moment: February 2024 In the Moment: January 2024 2023 In the Moment: December 2023 In the Moment: November 2023 In the Moment: October 2023
- [Pre-Retirement Seminars](https://www.mpers.org/members/seminars-webinars/pre-retirement-seminars/): Prepare for your retirement journey with our in-person seminar or online webinar, designed for members within five years of retirement eligibility or those already eligible to retire.
- [Under Construction](https://www.mpers.org/under-construction/): Under Construction Home /Under Construction This page is under construction. Check back soon.
- [chief-investment-officer-quarterly-update-of-investments](https://www.mpers.org/investments/chief-investment-officer-quarterly-update-of-investments/): This is a redirect.
- [mpers-board-meeting-schedule-2](https://www.mpers.org/trustees/mpers-board-meeting-schedule-2/): This is a redirect.
- [board-meeting-summaries](https://www.mpers.org/board-meeting-summaries/)
- [About MPERS](https://www.mpers.org/about/): At MPERS, our mission is simple: to provide sustainable retirement, survivor, and disability benefits for the lifetime of our members.
- [Trustee Education Reports](https://www.mpers.org/trustees/trustee-education-reports/): Trustee Education Reports Home /Trustees/Trustee Education Reports As part of its commitment to strong fiduciary oversight and effective leadership, the MPERS Board has established a governance policy requiring each Trustee to complete a minimum of six hours of continuing education annually. This requirement ensures that board members remain well-informed about current trends, best practices, and
- [Workplace Possibilities Coordinator](https://www.mpers.org/employers/workplace-possibilities-coordinator/): Workplace Possibilities Coordinator Home /Employers/Workplace Possibilities Coordinator I am Ron Boudreau, Workplace Possibilities Coordinator. I began working with the Workplace Possibilities Program (WPP) as a Consultant in 2010 and started as a Coordinator in 2022. Prior to joining The Standard, I worked as a Vocational Case Manager for over 30 years providing vocational rehabilitation and
- [MPERS Board Meeting Minutes](https://www.mpers.org/trustees/mpers-board-meeting-minutes-2/)
- [Email MPERS](https://www.mpers.org/email-mpers/): For inquiries regarding your MPERS retirement benefits, please contact us. Our team is committed to providing timely and accurate assistance to all members.
- [Reporting Suspected Fraud, Waste, or Abuse Form](https://www.mpers.org/reporting-suspected-fraud-waste-or-abuse-form/): Reporting Suspected Fraud, Waste, or Abuse Form Home /Reporting Suspected Fraud, Waste,... Please provide as much detail as possible when describing the fraud, waste, or abuse. Details regarding the allegation may include answers to the following questions: Who committed the fraud, waste, or abuse? What exactly did they do? When did it happen? Where did Reporting Suspected Fraud, Waste, or Abuse Form Home /Reporting Suspected Fraud, Waste,... Please provide as much detail as possible when describing the fraud, waste, or abuse. Details regarding the allegation may include answers to the following questions: Who committed the fraud, waste, or abuse? What exactly did they do? When did it happen? Where did
- [Benefit Basics Seminar](https://www.mpers.org/members/seminars-webinars/benefit-basics/): Benefit Basics Seminar Home /Members/Seminars & Webinars/Benefit Basics Seminar Audience: Any Active member of MPERS Registration: Contact your HR representative to organize a group meeting. Helping members achieve their retirement goals is important. MPERS wants you to understand your benefits and make plans for your financial future. The purpose of this workshop is to provide
- [Trustees](https://www.mpers.org/trustees/): Trustees Home /Trustees An 11-member Board of Trustees is responsible for the oversight of MPERS. The Trustees serve as fiduciaries to the members and establish sound policies and objectives, monitor operations, and oversee performance with the assistance of MPERS staff and consultants. Section 104.160, RSMo., provides for the composition of the MPERS Board of Trustees. The
- [Legislative Updates](https://www.mpers.org/about-mpers/legislative-updates/): Legislative Updates Home /About MPERS/Legislative Updates The MoDOT and Patrol Employees’ Retirement System (MPERS) actively monitors legislative developments that may affect the retirement benefits of its members. Legislative changes can influence plan funding, benefit structures, and administrative processes. MPERS works closely with lawmakers, stakeholders, and other retirement systems to ensure that any proposed legislation is
- [Disability Benefits](https://www.mpers.org/members/disability-benefits/): Disability Benefits Home /Members/Disability Benefits As an active member of a plan administered by MPERS, the State provides Long-Term Disability (LTD) and Work-Related Disability (WRD) insurance at no cost to you. These benefits are designed to replace a portion of your income if you are unable to work due to a disability. While receiving LTD
- [Reporting Suspected Fraud, Waste or Abuse](https://www.mpers.org/reporting-suspected-fraud-waste-or-abuse/): Reporting Suspected Fraud, Waste or Abuse Home /Reporting Suspected Fraud, Waste... The Fraud Reporting Form is available so you may report any suspicions of fraud, waste, or abuse within or related to MPERS. Please use this form if you would like to make us aware of any of the situations noted below: Any dishonest or
- [Glossary](https://www.mpers.org/glossary-2/)
- [Glossary](https://www.mpers.org/glossary/): Members Home /Glossary Search for: $5,000 Death BenefitMPERS provides a $5,000 death benefit to members who retire directly from active employment, work-related disability recipients, and long-term disability recipients who retire on or after September 28, 1985.100% Joint & SurvivorYour eligible spouse will receive 50% of the lifetime base benefit amount you are receiving at the
- [News](https://www.mpers.org/news/)
- [Board Committees](https://www.mpers.org/trustees/board-committees/): Audit Committee Bill Seibert, Chair Daniel Hegeman Sue Cox Budget Committee: Todd Tyler, Chair Master Sergeant Wallace Ahrens Senator Mike Bernskoetter Governance Committee: Sue Cox, Chair W. Dustin Boatwright Bill Seibert Investment Committee: Master Sergeant Wallace Ahrens, Chair Warren Erdman Representative Barry Hovis Colonel Michael Turner Ed Hassinger
- [Legislative Updates](https://www.mpers.org/legislative-updates/): Legislative Updates The 2025 Regular Session of the Missouri General Assembly commenced on January 8, 2025. For a complete, up-to-date listing of retirement-related legislation, please visit the Joint Committee on Public Employee Retirement. Please visit the Missouri General Assembly for a complete listing of all activity.
- [Targeted Topics](https://www.mpers.org/targeted-topics/): Targeted Topics To maximize the screen for ease of viewing, please select the icon in the lower right corner of the webinar.
- [Personal Counseling Session](https://www.mpers.org/members/personal-counseling-session/): We offer personal counseling sessions over the phone, in person at the MPERS office in Jefferson City, or at your employer's location. Any member, at any point during their career can call (800) 270-1271, email mpers@mpers.org, or submit an online request to schedule an appointment with a benefit specialist. Benefit specialists are available Monday -
- [Home narrow slider](https://www.mpers.org/home-2-backup/): Prospective Employees New Members ActiveMember Retiree Active Members Number of Benefit Recipients Avg. Years of Service Avg. Age at Retirement
- [Survivor Benefits](https://www.mpers.org/members/survivor-benefits/): Death Before Retirement Non-Duty Related Death of a Member in the Closed Plan or Year 2000 Plan If you are vested and die before retirement, the spouse to whom you are married on the date of your death is eligible to receive survivor benefits. The monthly benefit will be paid for your spouse’s lifetime and
- [About MPERS](https://www.mpers.org/about-mpers/): The Board of Trustees of MPERS has a fiduciary responsibility to the members and beneficiaries of the system. In recognition of this responsibility, the System has the following mission and vision statements. Our Mission "To provide a basic level of financial security to plan participants by delivering quality benefits and exceptional customer service through professional
- [Sitemap](https://www.mpers.org/sitemap/)
- [Test tabs](https://www.mpers.org/test-tabs/): Text above tab. Text below tab.

## Tooltips

- [Retirement Deadlines](https://www.mpers.org/glossary/retirement-deadlines/): Retirement timeline: intended retirement date and required form due dates Intended Date of Retirement Step 1: Notice of Retirement due Download the Notice of Retirement (PDF) Step 2: Retirement Election Form due January 1 September 1 – November 30 December 31 February 1 October 1 – December 31 January 31 March 1 November 1 –
- [Service Purchase](https://www.mpers.org/glossary/service-purchase/): Allows eligible members to buy prior public service credit, potentially increasing benefits or allowing earlier retirement.
- [Pre-Retirement Seminars](https://www.mpers.org/glossary/pre-retirement-seminars/): In-person sessions for members within five years of retirement, covering pension benefits and retirement planning.
- [Notice of Retirement](https://www.mpers.org/glossary/notice-of-retirement/): Step 1 of the retirement process. Must be submitted at least one month and one day before retirement, and no more than 120 days in advance.
- [Normal Retirement Eligibility](https://www.mpers.org/glossary/normal-retirement-eligibility/): The age and service point at which you qualify for full, unreduced pension benefits.
- [NGB23](https://www.mpers.org/glossary/ngb23/): A National Guard Bureau form showing retirement points, used to verify service for Closed Plan members.
- [Natural Parent Affidavit](https://www.mpers.org/glossary/natural-parent-affidavit/): Completed by the natural parent with custody of a minor child. At age 18, the child receives payments directly.
- [myMPERS](https://www.mpers.org/glossary/mympers/): MPERS’ online portal for accessing personal benefit info, submitting forms, and generating estimates.
- [Multiplier](https://www.mpers.org/glossary/multiplier/): A percentage used in the benefit formula: 1.6% for Closed Plan, 1.7% for 2000 Plan/2011 Tier, and 0.8% for Temporary Benefit.
- [Monthly Benefit Payment](https://www.mpers.org/glossary/monthly-benefit-payment/): A recurring monthly payment after retirement, based on final average pay, creditable service, and multiplier.
- [Life Income Annuity](https://www.mpers.org/glossary/life-income-annuity/): A retirement benefit option with no survivor benefits; payments stop at death, but a beneficiary receives the final benefit payment.
- [Investments](https://www.mpers.org/glossary/investments/): The largest source of MPERS pension funding, supplemented by employer and employee contributions.
- [Final Benefit Payment](https://www.mpers.org/glossary/final-benefit-payment/): The full monthly benefit paid for the month in which a member passes away, deposited or paid as provided by law.
- [Final Average Pay](https://www.mpers.org/glossary/final-average-pay/): The average of your highest 36 consecutive months of pay, used in calculating your pension benefit.
- [Employer Contributions](https://www.mpers.org/glossary/employer-contributions/): Contributions made by MoDOT or MSHP to fund pensions, calculated annually by an actuary and certified by the MPERS Board.
- [Employer Contribution Rate](https://www.mpers.org/glossary/employer-contribution-rate/): The percentage of payroll contributed by MoDOT or MSHP to fund pensions, calculated annually by an actuary and certified by the MPERS Board.
- [Division of Benefits Order](https://www.mpers.org/glossary/division-of-benefits-order/): A court order allowing MPERS to divide pension benefits with an ex-spouse following divorce, up to 50% of the benefit accrued during marriage.
- [Direct Deposit](https://www.mpers.org/glossary/direct-deposit/): The standard method for receiving monthly pension payments, deposited directly into your bank account.
- [Defined Contribution Plan](https://www.mpers.org/glossary/defined-contribution-plan/): A retirement savings plan where you and/or your employer contribute, and you manage investments to build retirement income.
- [Creditable Service](https://www.mpers.org/glossary/creditable-service/): The total years and full months of service earned, used in calculating your monthly pension benefit.
- [Cost-of-Living Adjustment](https://www.mpers.org/glossary/cost-of-living-adjustment/): An annual increase to retirement benefits to offset inflation. Based on 80% of the CPI-U increase, capped at 5%. Special rules apply for Closed Plan members hired before August 28, 1997.
- [Conservatorship of Minors](https://www.mpers.org/glossary/conservatorship-of-minors/): If a minor child is due survivor benefits and has no living parent, MPERS requires a court-certified conservatorship order. At age 18, the child receives payments directly.
- [Benefit-Eligible Position](https://www.mpers.org/glossary/benefit-eligible-position/): A job typically requiring at least 1,040 hours per year, as determined by the employer, qualifying the employee for retirement benefits.
- [Benefit Payment Options](https://www.mpers.org/glossary/benefit-payment-options/): Choices at retirement that determine post-death payments. Options include life income annuity, joint & survivor, and life income with guaranteed payments.
- [Beneficiary for Employee Contributions](https://www.mpers.org/glossary/beneficiary-for-employee-contributions/): If a member dies before retirement and no survivor benefits are payable, the named beneficiary receives a refund of the employee’s contributions.
- [Base Benefit](https://www.mpers.org/glossary/base-benefit/): Represents the core component of your retirement income, calculated using a legally defined formula based on creditable service, multiplier, and final average pay.
- [BackDROP](https://www.mpers.org/glossary/backdrop/): A retirement payment option for Closed Plan and Year 2000 Plan members, offering a one-time lump-sum payment in addition to monthly benefits. Requires working at least two years past normal retirement eligibility.
- [Authorization to Release Information](https://www.mpers.org/glossary/authorization-to-release-information/): A form that allows MPERS to release specific personal information to another person or organization, with your consent.
- [Actuary](https://www.mpers.org/glossary/actuary/): An expert in risk analysis and retirement plan financing, typically a member of the American Academy of Actuaries or enrolled under ERISA.
- [Actuarial Liability](https://www.mpers.org/glossary/actuarial-liability/): The value of a member’s creditable service held by MPERS or another retirement system, whether fully funded or not.
- [50% Joint & Survivor](https://www.mpers.org/glossary/50-joint-survivor/): Your eligible spouse receives 50% of your lifetime base benefit after your death. The benefit continues for life, even if the spouse remarries. Reductions vary by plan and age differences.
- [Pop-Up](https://www.mpers.org/glossary/pop-up/): If a spouse dies after a survivor option was selected, the retiree’s benefit increases ('pops up') to the full amount.
- [Pre-Retirement Webinars](https://www.mpers.org/glossary/pre-retirement-webinars/): Online sessions for members nearing retirement, covering the same topics as the seminars.
- [Retirement Election Form](https://www.mpers.org/glossary/retirement-election-form/): Step 2 of the retirement process where you choose your pension plan, BackDROP (if eligible), and benefit payment options.
- [Rule of 80](https://www.mpers.org/glossary/rule-of-80/): For Closed and Year 2000 Plan members: age 48+ with age + service = 80 or more qualifies for full retirement.
- [Rule of 90](https://www.mpers.org/glossary/rule-of-90/): For 2011 Tier members: age 55+ with age + service = 90 or more qualifies for full retirement. Not for vested-former members.
- [Service Transfer](https://www.mpers.org/glossary/service-transfer/): Allows eligible members to transfer prior public service credit at no cost, increasing benefits or allowing earlier retirement.
- [Survivors](https://www.mpers.org/glossary/survivors/): Individuals legally entitled or designated to receive benefits after your death (e.g., spouse, child).
- [Vested-Former Member](https://www.mpers.org/glossary/vested-former-member/): A former employee who is entitled to a future pension benefit once age requirements are met.
- [Creditable Prior Service](https://www.mpers.org/glossary/creditable-prior-service/): Service accrued before your most recent MPERS membership date, used to determine benefit eligibility and amount.
- [$5,000 Death Benefit](https://www.mpers.org/glossary/5000-death-benefit-2/): MPERS provides a $5,000 death benefit to members who retire directly from active employment, work-related disability recipients, and long-term disability recipients who retire on or after September 28, 1985.
- [Taxes](https://www.mpers.org/glossary/taxes/): MPERS pension payments are taxable. A 1099-R is issued annually for tax reporting.
- [Temporary Benefit](https://www.mpers.org/glossary/temporary-benefit/): A supplemental benefit for Year 2000 Plan and 2011 Tier retirees until age 62. Ends at age 62.
- [Termination Date](https://www.mpers.org/glossary/termination-date/): Your last day of work in a benefit-eligible position. Coordinate with your employer to finalize.
- [Sick Leave Credit](https://www.mpers.org/glossary/sick-leave-credit/): One month of creditable service for every 168 hours of unused sick leave at retirement. Cannot be used for eligibility.
- [Vested](https://www.mpers.org/glossary/vested/): Having enough service (usually 5 years) to qualify for a future pension benefit.
- [Secure File Upload](https://www.mpers.org/glossary/secure-file-upload/): A feature on the MPERS website to send documents electronically instead of mailing or faxing.
- [Survivor Application](https://www.mpers.org/glossary/survivor-application/): A form required for eligible recipients to begin receiving survivor benefits.
- [Social Security](https://www.mpers.org/glossary/social-security/): A separate retirement benefit from MPERS. Apply at ssa.gov or your local SSA office.
- [Special Benefit](https://www.mpers.org/glossary/special-benefit/): A $90/month benefit until age 65 for eligible uniformed patrol members under the Closed Plan. Subject to earnings limits.
- [Spouse](https://www.mpers.org/glossary/spouse/): The person to whom you are legally married.
- [Retiree](https://www.mpers.org/glossary/retiree/): A member who has met age and service requirements and completed the retirement process by submitting the required forms.
- [Non-Benefit Eligible Position](https://www.mpers.org/glossary/non-benefit-eligible-position/): A state job without retirement benefits. You can work in such a position and still receive MPERS retirement benefits.
- [Non-Vested Former Member](https://www.mpers.org/glossary/non-vested-former-member/): A former employee who didn’t meet the vesting requirement (usually five years). Service may be restored after reemployment and one year of membership.
- [Payday](https://www.mpers.org/glossary/payday/): MPERS benefit payments are made on the last working day of each month via direct deposit.
- [Power of Attorney](https://www.mpers.org/glossary/power-of-attorney/): A legal document allowing someone to act on your behalf for MPERS matters. Must be approved by MPERS.
- [Public Pension Exemption](https://www.mpers.org/glossary/public-pension-exemption/): A Missouri tax deduction for part of your MPERS pension. Consult the Department of Revenue or a tax advisor.
- [Purchase of Service](https://www.mpers.org/glossary/purchase-of-service/): Allows eligible members to buy credit for prior public service to increase future pension benefits. Must be completed before retirement.
- [Refund of Employee Contributions](https://www.mpers.org/glossary/refund-of-employee-contributions/): See the Leaving State Employment brochure for more information about receiving a refund of your contributions.
- [Military Service](https://www.mpers.org/glossary/military-service/): May qualify for automatic or purchased service credit under USERRA. Closed and 2000 Plan members may purchase up to four years of prior active-duty service.
- [Mid-Career Checkup Webinar](https://www.mpers.org/glossary/mid-career-checkup-webinar/): Online sessions by MPERS and MO Deferred Comp to educate mid-career employees on pension benefits and retirement planning.
- [Lump Sum Amount](https://www.mpers.org/glossary/lump-sum-amount/): A one-time payment available through BackDROP at retirement. It equals 90% of the monthly benefits during the BackDROP period and reduces future monthly benefits.
- [Legislation](https://www.mpers.org/glossary/legislation/): State laws passed by the Missouri legislature that govern MPERS pension provisions.
- [Employee Contributions](https://www.mpers.org/glossary/employee-contributions/): 2011 Tier members contribute 4% of pre-tax income to fund future pension benefits.
- [Designation of Agent](https://www.mpers.org/glossary/designation-of-agent/): A form to legally appoint someone to make MPERS-related decisions on your behalf if you become incapacitated.
- [MO Deferred Compensation](https://www.mpers.org/glossary/mo-deferred-compensation/): A voluntary retirement savings plan to supplement your MPERS pension and Social Security.
- [Death Certificate](https://www.mpers.org/glossary/death-certificate/): Required documentation for MPERS to process survivor and death benefits.
- [DD214](https://www.mpers.org/glossary/dd214/): A military discharge record used to determine eligibility for service credit under USERRA.
- [Board of Trustees](https://www.mpers.org/glossary/board-of-trustees/): The 11-member governing body that oversees MPERS operations and ensures the system serves its members' best interests.
- [Benefit Payment Affidavit](https://www.mpers.org/glossary/benefit-payment-affidavit/): A form completed by survivors of deceased members to determine who is entitled to the final or continuing benefit when a beneficiary is unknown.
- [Base Benefit Formula](https://www.mpers.org/glossary/base-benefit-formula/): The formula: Final Average Pay × Creditable Service × Multiplier = Monthly Base Benefit. It determines your monthly retirement income.
- [1099-R Tax Form](https://www.mpers.org/glossary/1099-r-tax-form/): A form used to report pension income distributions. MPERS mails it annually by the end of January. It is needed for tax filing and is also available electronically via myMPERS.
- [defined benefit plan](https://www.mpers.org/glossary/defined-benefit-plan/): MPERS operates as a tax-qualified defined benefit plan (DB) under Section 401(a) of the Internal Revenue Code. A defined benefit (DB) plan requires a member to be vested (work a set number of years in a benefit-eligible position) and provides a set benefit (based on salary and creditable service) for life, once a member meets
- [Benefit Estimate](https://www.mpers.org/glossary/benefit-estimate/): A benefit estimate provides you with information outlining the amount of your future MPERS pension benefit. The amounts are based on a specific retirement date. It also shows estimates of monthly pension benefit amounts if you elect survivor or BackDROP benefits.
- [4% Contribution Rate](https://www.mpers.org/glossary/4-contribution-rate/): The percentage of salary that 2011 Tier members must contribute to the retirement system. The contributions are made on a pre-tax basis and used to help pay the cost of the member’s future retirement benefits.
- [Life Income with Guaranteed Payments](https://www.mpers.org/glossary/life-income-with-guaranteed-payments/): This option reduces your retirement benefit but allows you to name any person or organization as a beneficiary to receive your final benefit payment and the remaining number of guaranteed payments (if any). For the Closed Plan, you have the choice of 60 or 120 guaranteed payments. For the Year 2000 Plan and 2011 Tier,
- [100% Joint & Survivor](https://www.mpers.org/glossary/100-joint-survivor-2/): Your eligible spouse will receive 50% of the lifetime base benefit amount you are receiving at the time of your death. The survivor benefit will continue for the life of your spouse, even if your spouse remarries. In the Closed Plan, there is no reduction in your benefit to provide this option. The reduction in

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