Massachusetts Pension Groups (1–4) Explained
Minimum retirement ages and multipliers vary by group. The 80% cap applies before Option B/C reductions.
Answer: Group eligibility and multipliers differ: Group 1 (age 60, 2.0–2.5%), Group 2 (age 55, 2.0–2.5%), Group 3 (State Police, 2.5% at 20+ years), Group 4 (age 50, 2.0–2.5%).
Group 1
General employees. Minimum retirement age 60.
- Multiplier: 2.0% at 60 to 2.5% at 65
- 80% cap applies
Group 2
Probation/court officers and similar roles. Minimum age 55.
- Multiplier: 2.0% at 55 to 2.5% at 60
- 80% cap applies
Group 3
State Police. Eligible at any age with 20+ years.
- Flat multiplier: 2.5%
- 80% cap applies
Group 4
Public safety/corrections. Minimum age 50.
- Multiplier: 2.0% at 50 to 2.5% at 55
- 80% cap applies