Calculate Your Benefits

Retirement benefits are based on a variety of factors including age, length of creditable service and salary level. In addition, different rules are applicable whether you entered service before, on or after April 2, 2012.

Retirement Benefit Factors


Using your age as of your last birthday, look at the age factor chart(s) and use the corresponding percentage to determine your benefit rate.

Group 1 & 4 Age Factor Charts

Length of Creditable Service

You are considered eligible for retirement:

If hired before April 2, 2012

  • You have 20 years of creditable service
  • You are age 55 with at least 10 years of creditable service

If hired on or after April 2, 2012

  • You are age 60 with at least 10 years of creditable service (group 1)
  • You are age 55 with at least 10 years of creditable service (group 2)
  • You are age 50 with at least 10 years of creditable service (group 4)

*Creditable service is earned by contributing employees working at least 30 hours or more per week.

Salary Level

To figure out your average annual rate of compensation:

  • If hired before April 2, 2012 add your three highest consecutive years compensation and divide by three.
  • If hired on or after April 2, 2012 add your five highest consecutive years compensation and divide by five.

*Actual benefit is subject to anti-spiking provision.

Pension Calculator

The pension calculator, courtesy of the Treasurer and Receiver General of Massachusetts, will give members in groups 1, 2 or 4 an approximation of their retirement benefits. Please note that actual pension amounts can ONLY be calculated at the time of retirement under M.G.L. Chapter 32.

Before April 2, 2012 On or After April 2, 2012

Accruing Military Service Credit

Under M.G.L. Chapter 32, s 4 (1)(b), a member of a public retirement system may be eligible to accrue creditable service for military service in the following two instances:

  1. Any period he or she was on a leave of absence from a governmental unit for the purpose of serving in the armed forces and is reinstated or reemployed in a governmental unit within 2 years of discharge or release from military service. A member seeking to retire from a governmental unit immediately after his or her discharge or release from military service will not receive creditable service for the period of the military leave without first being reinstated or reemployed.
  2. M.G.L. Chapter 4, s7, cl.43. "'Veteran' shall mean any person, male or female...

(a) whose last discharge or release from his wartime service, as defined herein, was under honorable conditions and who (b) served in the army, navy, marine corps, coast guard, or air force of the United States for not less than ninety days active service, at lease one day of which was for wartime service, provided, that any person who so served in wartime and was awarded a service-connected disability or a Purple Heart, or who died in such service under conditions other than dishonorable, shall be deemed to be a veteran notwithstanding his failure to complete ninety days of active service."

Of course, a member cannot purchase the same service twice. Also, if the member meets the definition of "Veteran," he or she may purchase National Guard or Active Reserve time at the ratio of 5 to 1.

Contact Information

Retirement Board
City Hall Room 103
455 Main Street
Worcester, MA 01608

Accessible via WRTA Bus Line. View Schedules

Phone: 508-799-1062
Fax: 508-799-1047
Email Us

Office Hours:
Monday - Friday
8 a.m. - 4 p.m.

City of Worcester
Worcester 311
Monday - Friday
8 a.m. - 5 p.m.
Phone: 311
Contact Us
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