Massachusetts Group 4 Pension Calculator
Group 4 covers police officers, firefighters, and corrections officers who can retire as early as age 50 with 10+ years of service.
50
Min. Retirement Age
10+
Years of Service
2.0% - 2.5%
Benefit Multiplier
80%
Max Benefit Cap
Group 4 Eligibility Requirements
Group 4 members can retire at age 50 with at least 10 years of creditable service. The benefit multiplier ranges from 2.0% at age 50 to 2.5% at age 55, providing the earliest full retirement benefits among age-based groups.
Retire Earlier Than Anyone
The earliest minimum age in the MA system
Public safety and corrections officers can retire at 50—the earliest minimum age in the Massachusetts system. That's 15 years before traditional retirement, giving you time for a second career or early freedom.
50
Min. Age
10+
Years Req.
2%
At Min. Age
Multiplier by Retirement Age:
Age 50
Age 52
Age 55
💡 Your multiplier is 2.0% at 50 vs. 2.5% at 55. Waiting 5 years increases your multiplier by 0.5%.
How Group 4 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 4 benefit factor (2.0% - 2.5% 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