Massachusetts Retirement Benefits
Understanding your pension benefits, retirement groups, and options as a Massachusetts state employee
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Start CalculatorRetirement Groups
Group 1
General Employees
General state employees, teachers, and most public workers
Benefit Multiplier:
2.0% at age 60, increases 0.1% yearly to 2.5% at age 65
Group 2
Probation & Court Officers
Probation officers, court officers, certain corrections
Benefit Multiplier:
2.0% at age 55, increases 0.1% yearly to 2.5% at age 60
Group 3
State Police
Massachusetts State Police officers
Benefit Multiplier:
Flat 2.5% - can retire at any age with 20+ years
Group 4
Public Safety
Corrections, parole officers, public safety
Benefit Multiplier:
2.0% at age 50, increases 0.1% yearly to 2.5% at age 55
Cost of Living Adjustments (COLA)
Annual benefit increases for retirees
FY2025 COLA Structure
- 3% rate applied to first $13,000 of annual retirement allowance
- Maximum annual increase: $390 ($32.50/month)
- Subject to annual legislative approval
Important Notes
- • COLA applies only to the first $13,000 of your annual benefit
- • Higher benefits receive the same maximum $390 increase
- • COLA rates may change based on legislative action
Retirement Options
Option A
Maximum Benefit
Highest monthly benefit with no survivor protection
- • Maximum monthly payment
- • Benefits end at death
- • No survivor benefits
Option B
Joint & Survivor
Reduced benefit with survivor protection
- • Lower monthly payment
- • Survivor receives same amount
- • Lifetime protection for spouse
Option C
Modified Joint & Survivor
Moderate reduction with partial survivor benefit
- • Moderate monthly payment
- • Survivor receives 66.67%
- • Balance of protection and income
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