MoDOT & Patrol Employees’ Retirement System
Life is full of changes, and many of them can impact your retirement benefits. Whether you’re just starting your career, navigating a major life change, or enjoying retirement, MPERS is here to help you understand how each milestone affects your benefits and what steps you may need to take.
Use the sections below to explore resources tailored to your current stage in life.
Starting your career with the State of Missouri? Now is the time to build a strong foundation for your future retirement.
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Learn how MPERS works, what benefits you’re earning, and how to access your account through myMPERS.
New to MPERS → -
Your hire date determines which of MPERS’ three plans you’re in. This affects your eligibility, benefit formula, and retirement options.
What’s My Plan? → -
Get familiar with key terms like vesting, creditable service, and final average pay so you can make informed decisions throughout your career.
Retirement Terms 101 →
As your career progresses, it’s important to stay engaged with your retirement planning and understand how life changes may affect your benefits.
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Attend a mid-career checkup webinar or in-person seminar to learn how your benefits are growing and what to expect in the future.
Seminars & Webinars → -
If you’re facing a medical condition that affects your ability to work, this program offers support and resources to help you stay on the job or transition to disability benefits.
Workplace Possibilities Program → -
If you’re considering leaving state employment before retirement, learn about your options for deferring your benefit or requesting a refund (if applicable).
Leaving State Employment → -
Divorce can impact your pension. Understand how the Division of Benefits Order (DBO) works and how to update your beneficiary.
Divorce and Your MPERS Benefit →
If you’re within a few years of retirement eligibility, now is the time to plan your next steps.
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Learn about MPERS’ two-step retirement process, including the Notice of Retirement and Retirement Election forms.
The Retirement Process → -
Attend a pre-retirement seminar or webinar to understand your benefit options, BackDROP, and how to prepare for retirement.
Seminars & Webinars → -
Schedule a one-on-one counseling session with an MPERS benefit counselor to review your options and get personalized guidance.
Make an Appointment → -
Ready to retire? Start the application process through your myMPERS account or by contacting MPERS directly.
Apply for Retirement →
Even after retirement, there are important updates and decisions to consider. MPERS continues to support you and your loved ones.
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Learn when and how COLAs are applied to your benefit based on your plan.
Cost-of-Living Adjustments (COLAs) → -
Update your federal or Missouri state tax withholding at any time through myMPERS or by submitting a new W-4P form.
Changing Your Tax Withholding → -
Thinking about returning to work? Understand how reemployment may affect your benefit and what rules apply.
Working After Retirement → -
Ensure your loved ones are protected. Learn how survivor benefits work and how to keep your beneficiary information up to date.
Survivor Benefits →
Early Career
Starting your career with the State of Missouri? Now is the time to build a strong foundation for your future retirement.
- Learn how MPERS works, what benefits you’re earning, and how to access your account through myMPERS.
New to MPERS → - Your hire date determines which of MPERS’ three plans you’re in. This affects your eligibility, benefit formula, and retirement options.
What’s My Plan? → - Get familiar with key terms like vesting, creditable service, and final average pay so you can make informed decisions throughout your career.
Retirement Terms 101 →
Mid-Career
As your career progresses, it’s important to stay engaged with your retirement planning and understand how life changes may affect your benefits.
- Attend a mid-career checkup webinar or in-person seminar to learn how your benefits are growing and what to expect in the future.
Seminars & Webinars → - If you’re facing a medical condition that affects your ability to work, this program offers support and resources to help you stay on the job or transition to disability benefits.
Workplace Possibilities Program → - If you’re considering leaving state employment before retirement, learn about your options for deferring your benefit or requesting a refund (if applicable).
Leaving State Employment → - Divorce can impact your pension. Understand how the Division of Benefits Order (DBO) works and how to update your beneficiary.
Divorce and Your MPERS Benefit →
Eligible to Retire
If you’re within a few years of retirement eligibility, now is the time to plan your next steps.
- Learn about MPERS’ two-step retirement process, including the Notice of Retirement and Retirement Election forms.
The Retirement Process → - Attend a pre-retirement seminar or webinar to understand your benefit options, BackDROP, and how to prepare for retirement.
Seminars & Webinars → - Schedule a one-on-one counseling session with an MPERS benefit counselor to review your options and get personalized guidance.
Make an Appointment → - Ready to retire? Start the application process through your myMPERS account or by contacting MPERS directly.
Apply for Retirement →
Retired & Beneficiaries
Even after retirement, there are important updates and decisions to consider. MPERS continues to support you and your loved ones.
- Learn when and how COLAs are applied to your benefit based on your plan.
Cost-of-Living Adjustments (COLAs) → - Update your federal or Missouri state tax withholding at any time through myMPERS or by submitting a new W-4P form.
Changing Your Tax Withholding → - Thinking about returning to work? Understand how reemployment may affect your benefit and what rules apply.
Working After Retirement → - Ensure your loved ones are protected. Learn how survivor benefits work and how to keep your beneficiary information up to date.
Survivor Benefits →
Your Benefits
Members
Pension Benefits
What Plan Am I In
Benefit Formula
Retirement Terms 101
Life & Career Events
Life Events
Disability Benefits
Survivor Benefits
Planning & Education
Seminars & Webinars
Forms & Publications
Retirement Process
Retirement Eligibility
Retirement FAQ
Apply for Retirement
Make an Appointment
