Frequently Asked Questions

Our staff is here to assist you 8:30 a.m. to 5:00 p.m., Monday through Friday. Please call or email us if we may be of assistance.

Who is eligible for membership in the Middlesex County Retirement System?
How much do members contribute to the Retirement System?
Does a member’s contribution to the Retirement System earn interest? If so, how is the interest calculated?
Are employee contributions used to fund the administrative expenses of the Retirement System?
What does it mean to be vested and when does it occur?
When am I eligible to retire?
How is my retirement allowance calculated?
Can I purchase creditable service earned in another Massachusetts public retirement system?
Will prior service with another Massachusetts contributory retirement system affect my contribution rate with Middlesex County Retirement System?
How do I accrue creditable service?
Is all of my salary considered regular compensation?
Does my participation in a deferred compensation plan affect my benefits from Middlesex County Retirement System?
If I leave my job, what happens to my contributions?
If I leave my job and decide to withdraw my contributions will I receive all my interest?
If I terminate my employment and leave my money in the Middlesex County Retirement System, can I retire at a later date?
Can an active member withdraw his or her contributions or borrow money from his or her annuity savings account?
What are the tax consequences if I take a refund of my retirement contributions?
If I die before retirement, what happens to my money?