Massachusetts State Employee Retirement Guide
Your comprehensive guide to planning and preparing for retirement as a Massachusetts state employee. Learn about your benefits, understand your options, and create a successful retirement strategy.
Understanding Your Massachusetts Retirement Benefits
What is MSERS?
The Massachusetts State Employees' Retirement System (MSERS) is a defined benefit pension plan that provides retirement, disability, and survivor benefits to eligible state employees and their families.
- Guaranteed monthly income for life
- Cost-of-living adjustments (COLA)
- Survivor benefits for your family
- Disability protection
Key Benefit Features
Your retirement benefit is calculated using your years of service, benefit percentage, and average of your highest 3 consecutive years of salary.
Annual cost-of-living adjustments help protect your purchasing power. Current rate is 3% on the first $13,000 of your annual benefit.
Important Note
This guide provides general information about Massachusetts state retirement benefits. Always verify specific details with the Massachusetts State Retirement Board (MSRB) and consult official documentation for your individual situation.
Take the Next Step in Your Retirement Planning
This guide provides a foundation for understanding your Massachusetts state retirement benefits. For personalized estimates and detailed planning, use our retirement calculator or contact MSRB directly.