Benefits for State Police Officers

Benefits for state police and highway patrol officers vary by system. The chart below provides basic information for state police benefits for seventeen systems. This information is also available for download as a PDF file.

Arkansas State Police Retirement System

Colorado PERA

Iowa PORS

Kansas Police & Fire

Louisiana State Police Retirement System

Maryland State Police Retirement System

Michigan State Police Retirement System

Minnesota State Retirement System - State Patrol Plan

Mississippi Highway Safety Patrol Retirement System

Missouri DOT & Patrol Employees Retirement System

Montana Highway Patrol Officers\' Retirement System

New Jersey State Police Retirement System

North Dakota PERS - Highway Patrolmen\'s Retirement System

Ohio Highway Patrol Retirement System

South Dakota Retirement System

West Virginia Consolidated Retirement Board - State Police Retirement System (Plan B)

Wyoming State Patrol, Game and Fish Warden & Criminal Investigator Retirement Plan

Benefit Formula

Tier 1 (hired before 4/3/97): 1.55% Final Average Pay X years of credited service; Tier 2 (hired on or after 4/3/97): 2.475% of Final Average Pay X years of credited service

Calculated based on PERA service credit, age, and highest average salary

Standard benefit is 60% of final average compensation; For each year of service exceeding 22 an additional 2.75% of final average compensation; Maximum benefit is 88% of final average compensation

2.5% X final average salary X years of service (up to 32)

3.33% X final average salary X years of service credit

2.55% of average final compensation up to 71.4% of full AFC at 28 years

60% of final average compensation

3% of successive, high-five year salary for each year of allowable service

2.5% of average compensation for each year of service credit (up to 100% of average compensation)

1.6% times X years of average pay X years of creditable service

2.5% of highest average compensation X years of service credit

For members retiring due to mandatory retirement - 50% of final compensation plus 2% for each year of service in excess of 20; for members retiring with more than 25 years of service - 65% of final compensation plus 1% for each year of service in excess of 25, to a mximum of 70% of final compensation

3.60% of FAS for the first 25 years of service; 1.75% of FAS for service in excess of 25 years

1.5% of FAS X years of service for those with 15-20 years of service credit; 2.5% of FAS for those with 20-25 years of service credit

Basic benefit: 2% X final average compensation X years of credit service; Enhanced benefit: 2.4% X final average compensation X years of service credit

Final average salary times credited years of service times 2.75%

2.5% X years of services X highest average salary. Limited to 75% of highest average salary

Retirement Age

Both Tiers: Any age with 30 years of service; Age 65 with 5 years of service

Any age with 30 years of service; Age 50 with 25 years; Age 55 with 20 years; Age 65 with 5 years

Age 55 with 22 years of service

Age 50 with 25 years of service; Age 55 with 20 years of service; Age 60 with 15 years of service

Age 50 with 10 years of service; Any age with 20 years of service (hired before 9/8/78); Any age with 25 years of service (hired after 9/8/78)

Age 50 with at least 5 years of service or any age with 22 years of service

Full retirement at any age with 25 years of service

Age 55 with three years of allowable service if hired before 7/1/10 (five years if hired after 6/30/10); Early retirement at age 50 with three years of allowable serivce if hired before 7/1/10 (five years if hired after 6/30/10 with a reduction in the normal retirement benefit from age 55

55 with 5 years of service, any age with 25 years of service, 45 with 20 years of service

62/5; Rule of 80 if hired before 1/1/10; Rule of 90 if hired after 1/1/10

Normal retirement benefit calculated based on retirement at age 60

Age 55 with 20 years of service (mandatory retirement at age 55)

Age 55 with 10 years of eligible employment or Rule of 80

55 with at least 15 years of service, 52 with at least 20 years of service

Age 55 with at least 3 years of contributory service

Age 50 with 25 years of service; Age 52 with 20 years of service; Age 62 with 10 years of service

Full retirement at age 50

Social Security?

Yes

No

No

Yes

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

No

Yes

No

Yes

Employee contribution rate

Non-contributory

12.50%

9.35%

7% (reduced to 2% after completion of 32 years of service credit)

8.50%

8%

Non-contributory

12.40%

7.25%

Non-contributory if hired on or before 12/31/10; 4.0% if hired after 12/31/10

9.05%

7.50%

10.30%

10.00%

8.00%

12%

11.02%

Employer contribution rate

22%

10.35%

21.00%

12.86%

84.90%

61.01% - employer contributions are established annually by the Board of Trustees based upon an actuarial valuation

15.20%

18.60%

30.30%

39.95%

26.15%

5.30%

16.70%

26.50%

8.00%

12%

11.33%

COLA

3%

Lesser of 2% or the average of the monthly CPI-W amounts for the calendar year

None specified

Retirees do not receive regular COLAs

COLA may be granted by the board if there is sufficient investment income

Based on CPI

2% annually, non-compounding

1.5 percent increase; if the funded ratio reaches 90 percent, the increase reverts to 2.5 percent

Up to 3% compounded

80% of increase in CPI, up to 5% compounded

After the completion of 12 full months of retirement a member receives a guaranteed benefit adjustment of 3%

60% of the assumed CPI increase (CPI is assumed to increase 3% per annum, compounded annually)

Ad hoc as approved by the legislature

3% annual increase beginning at age 53

Indexed to CPI as follows; If SDRS is funded at 100% or more, 3.1% COLA; if SDRS is funded at 80-99.9%, COLA indexed to CPI

1% annual increase

Up to 2.25% compounded COLA after retired 2 full years

DROP?

Yes

No

No

No

Yes

Yes

Yes

No

No

Yes

No

No

No

Yes

No

No

No

Funded ratio

63.3% as of 6/30/10

62.8% as of 12/31/10

67.04% as of 6/30/10

76% as of 6/30/10

55.6% as of 6/30/10

63% as of 6/30/10

80.7% as of 9/30/09

83.0% as of 7/1/10

68.3% as of 6/30/10

42.22% as of 6/30/10

61% as of 6/30/11

80.9% as of 6/30/10

79.8% as of 6/30/10

66.0% as of 12/31/09

96.3% as of 6/30/10

80.9% as of 6/30/08

84.1% as of 1/1/11

Disability benefits

Amount is computed as an age and service benefit, based on service and pay at time of disability

Maximum benefit is 50% of highest average salary. If greater than 20 years of service, an additinoal 2.5% is received for each year over 20

If less than 5 years of service, benefit = 25% of final average compensation; If 22 or more years of service, benefit = the greater of the benefit that the member would receive under the Service Retirement Benefit with 55 years of age, or the ordinary pension; If 5-22 years of service, benefit = 50% of final average salary or 60% X years of service / 22 (whichever is greater)

50% of final average salary

50% of average salary plus 1.5% of average salary for each year of service in excess of 10 years

2.55% of AFC multiplied by number of years of creditable service up to the maximum of 28 years. Minimum disability benefit is 35% of AFC

Non-duty benefit: 2.4% of final average compensation times years and partial years of credited service (no more than 25 years Duty benefit: 60% of final average compensation

Eligible for disability if unable to perform duties (with one year of service), and immediate coverage if disabled on the job. Job related disability: benefit is equal to 60 percent of high-five year average salary, plus three percent for each year beyond 20 years of allowable service.

15 more years of service = $500/month; 10-14.75 years of service = $300/month; less than 10 years of service = $250/month

Long Term - On the Job = 60% of salary at time of disability; Off the Job based on service retirement

Duty related: 50% of highest average compensation if under 20 years of service, 2.5% of highest average compensation times years of service if more than 20 years of service

For members with > 4 years of service the benefit is a refund of the member\'s aggregate contributions; For membrs with at least 4 years of service the benefit is an immediate life annuity equal to 40% of final compensation plus 1.5% of final compensation for years of service in excess of 26.66; for members who are forced to retire with 20 but less than 25 years of service the benefit is 50% of the member\'s final compensation plus 3% of final compensation for each year of service in excess of 20 to a maximum of 65% of final compensation

Vesting period of 0.5 years for long term disability (on and off the job); Benefits equal to 25% of FAS

Non-duty related: 50% of FAS; Duty-related: 61.235% of FAS

50% of highest annual salary over previous two years (on and off-the-job)

Duty related: Benefit equal to the base salary received during the prreceding 12 month period; Non-duty related: Benefit equal to one-half of the base salary received during the preceding 12 month period

Non-duty related = Total and partial equal 50% of highest average salary and need 10 years of service; Duty-related = total and partial equal to 62.5% of highest average salary