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MOSERS's How Your Here's How Your Retirement Benefit Works

Each month, contributions are made by the University and/or employee based on a percentage of payroll. MSEP, MSEP 2000, and MSEP 2011 are defined benefit pension plans. Once you retire under one of these plans, you get a guaranteed monthly benefit for life, with cost-of-living adjustments. If you are married, your surviving spouse may be eligible to receive a lifetime survivor benefit (based on your election at retirement). Your retirement benefit is based on your total credited service and your highest 36 full consecutive months of pay. One of the ways the state rewards your continued employment is by increasing the value of your retirement benefit for each additional year of service. The more service you have and the higher your annual pay, the higher your retirement benefit.

Disclaimer: Many different rules and laws apply, and there may be exceptions. So please consider this information as reliable, but not necessarily applicable in every situation. If there is any difference between the information provided on this webpage and the law and policies which govern MOSERS, the law and policies will prevail.

Our Retirement Plans

Missouri State Employees' Plan (MSEP)

The MSEP is the existing retirement plan for general employees hired before July 1, 2000. You will continue to participate in the MSEP until retirement if one of the following categories describes your employment status on June 30, 2000. At retirement, you may elect the MSEP or the MSEP 2000 if you:

  • Were an active state employee who was, or has since become, vested in the MSEP.
  • Were a terminated-vested member of the MSEP (eligible for future retirement benefits under the MSEP, but no longer working for the state).
  • Elected the Cash-Out Option under the MSEP and later returned to work in a MOSERS covered position.
  • Were receiving disability benefits through the MOSERS disability plan.
  • Were on a leave of absence.

Missouri State Employees' Plan 2000 (MSEP 2000)

Since July 1, 2000, the retirement plan for new general state employees has been the MSEP 2000. You are a member of the MSEP 2000 if one of the following categories describes your employment status on or after July 1, 2000:

  • You were hired for the first time in a benefit eligible position on or after July 1, 2000.
  • You left state employment prior to becoming vested (not eligible for a future retirement benefit) and returned to work in a benefit eligible position on or after July 1, 2000.

Missouri State Employees' Plan 2011 (MSEP 2011)

The MSEP 2011 is a defined benefit retirement plan for state employees employed for the first time in a benefit eligible position on or after January 1, 2011. Members in this tier contribute 4% of their gross pay toward their future retirement benefits.

Colleges & Universities Retirement Plan (CURP)

The Colleges & Universities Retirement Plan (CURP) is a defined contribution plan for “education employees” as defined by the university. The CURP is administered by MOSERS for education employees at regional universities. Retirement income from the plan is dependent upon the employee’s plan account balance at retirement. The employee’s plan account balance is built from mandatory contributions to the plan and the investment returns generated from employee-selected investment options. To be eligible for the CURP, you must:

·        Meet the definition of “education employee” as determined by your employer and

·        Be employed in this position for the first time on or after July 1, 2002 and

·        Not have previous employment in a position covered by another defined benefit pension plan administered by MOSERS and

·        Be employed at a participating regional Missouri university.

After 6 years of participation in CURP, you may transfer to a MOSERS defined benefit pension plan. You will immediately become a vested member of the MSEP 2000 or MSEP 2011, depending on your hire date.

If you are not sure which plan you participate in, please contact the Human Resources Office at (573) 651-2855. You may also contact a MOSERS benefit specialist at (800) 827-1063. Additional information is available at the MOSERS Website:


MSEP 2011 Refund of Contribution Application

(Adobe PDF)
Form used by members that have terminated employment and wish to withdraw their contributions and forfeit their prior service


Fax: 573.651.2108
Academic Hall Room 012
Office of Human Resources
One University Plaza, MS 3150
Cape Girardeau, Missouri 63701