Massachusetts Group 3 Pension Calculator
Group 3 is EXCLUSIVELY for Massachusetts State Police members. Unlike other law enforcement (municipal police, sheriff's deputies, etc.), MSP members can retire at ANY age with 20+ years of service and receive a flat 2.5% multiplier—the maximum available in the MA retirement system.
Any
Min. Retirement Age
20+
Years of Service
2.5% (flat)
Benefit Multiplier
80%
Max Benefit Cap
Group 3 Eligibility Requirements
IMPORTANT: Group 3 is ONLY for Massachusetts State Police. Municipal police, sheriff's deputies, campus police, and other law enforcement are NOT in Group 3—they are in Group 4. MSP members can retire at ANY age (no minimum) once they have 20+ years of creditable service, recognizing the unique demands of state-level law enforcement.
Retire at ANY Age
The ultimate early retirement benefit
Massachusetts State Police have a benefit no other group has: retire at ANY age with 20 years of service, with the maximum 2.5% multiplier. A trooper who starts at 22 can retire at 42 with full benefits—decades before anyone else.
Any
Min. Age
20+
Years Req.
2.5%
Always Max!
🎯 Example Retirement Ages (based on start age):
Start at 22
Start at 25
Start at 30
All scenarios: 2.5% multiplier (maximum rate)
✨ No trade-off! MSP members get the maximum 2.5% multiplier at ANY retirement age.
How Group 3 Benefits Are Calculated
Average Salary
Your pension is based on the average of your highest 3 consecutive years of salary (or 5 years if hired after 2012).
Benefit Factor
Multiply by the Group 3 benefit factor (2.5% (flat) per year of service based on retirement age).
Apply Cap
Your benefit is capped at 80% of your average salary. Option B/C survivor benefits reduce this further.
Essential Retirement Guides
Complete Guide to MA Retirement Groups
Understand the differences between Groups 1-4 and find your classification
Pension Options A, B, C Explained
Compare survivor benefits and choose the right option for you
COLA 2026 Guide
How the 3% COLA on first $13,000 affects your pension