Massachusetts State Employee Retirement FAQ

Get answers to frequently asked questions about Massachusetts state employee retirement benefits, pension calculations, COLA adjustments, and retirement planning options.

Quick Answer: Pension Calculation Formula

Average Salary × Years of Service × Benefit Factor = Annual Pension

Benefit factors: 2.0%-2.5% based on group and age. Maximum: 80% of salary.

General Questions

Basic information about the pension system

Retirement Options

Understanding your retirement option choices

Service Credit and Salary

Questions about service credit and salary calculations

Massachusetts State Employee Retirement FAQ

Quick Answer: Pension Calculation Formula

General Questions

How is my pension calculated?

Where can I find my salary history for the pension calculation?

When am I eligible to retire?

What are the different employee groups?

Retirement Options

What are the different retirement options?

How do I choose the right retirement option?

Can I change my retirement option after retirement?

Service Credit and Salary

What counts as "regular compensation"?

Can I purchase additional service credit?

How is my average salary calculated?