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Understanding Groups 1-4
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Frequently Asked Questions
How accurate are the calculator results?
Our calculator uses official Massachusetts retirement system formulas and provides estimates based on current rules. However, results are for informational purposes only and should not be considered official benefit estimates.
Which retirement group am I in?
Most state employees are in Group 1. Group 2 includes probation and court officers. Group 3 is for State Police. Group 4 includes corrections and public safety personnel.
Learn More About GroupsWhat is the difference between retirement options?
Option A provides the highest monthly benefit but no survivor protection. Options B and C provide survivor benefits but reduce your monthly payment.
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