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

Related Guides

Complete Guide to Retirement Groups 1-4

In-depth explanation of each group's eligibility, multipliers, and retirement age requirements

Maximize Your Pension Benefits

Proven strategies to increase your retirement income regardless of your group

COLA Rules•Options A/B/C• Calculate Your Pension