Basic Service Purchases Calculated by Formula

The Basic Purchase Cost Calculation is used to determine the cost of these types of purchases. You can estimate your cost using our online Service Purchase Calculator.

Active Duty Military Leave

  • Service for a military leave before or during your PSRS membership
  • Requires an honorable discharge
  • If your service occurred after December 11, 1994, it may be less expensive to purchase it under the USERRA leave purchase provision.

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Maternity or Paternity Leave

  • Service for time spent on maternity or paternity leave from a PSRS-covered employer
  • Requires a return to PSRS-covered employment after the leave
  • Up to one year for each natural birth, legal adoption or terminated pregnancy
  • If the leave was unpaid and during the current or previous two school years, it may be less expensive to purchase it using the unpaid sick leave provision

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Non-Federal Public Service

  • Service at a non-federal, public employer in any location for at least 20 hours per week on a regular basis
  • Service at a non-federal, public employer in Missouri for at least 17 hours per week and not covered by a retirement plan, if you are vested

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Not-for-Profit Educational Service

  • Work performed while on leave from a PSRS-covered employer
  • At least 20 hours per week on a regular basis at a not-for-profit corporation or agency
  • Primary purpose of the work must have been the support of education or educational research

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Part-Time Certificated Service

  • At least 17, but fewer than 20 hours per week on a regular basis
  • between August 28, 1991 and August 28, 2003
  • You held a valid Missouri educator certificate

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PEERS-Covered Service

  • Service forfeited from the Public Education Employee Retirement System of Missouri (PEERS)
  • Part of the cost is offset by a transfer of the PEERS employer contributions to PSRS, not to exceed 50% of the purchase cost

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Service at Non-PSRS-Covered Schools

  • At least 20 hours per week on a regular basis
  • Service at a public, private, secondary or post-secondary school

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Request more information on Non-PSRS covered Public, Secondary or Post-Secondary School Service Purchases »

Vo-Tech Work Experience

  • Can be purchased if you are, or were, certified as a vo-tech teacher
  • Requires the work to be in the area of your vo-tech certification
  • Up to two years can be purchased

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Social Security-Covered Service

  • At least 20 hours per week on a regular basis while you were age 18 or older
  • You must be vested with PSRS to purchase
  • IRS regulations categorize some purchases of Social Security-covered service or employment as "non-qualified." Non-qualified purchases are limited to a lifetime total of five years purchased with after tax dollars.
  • Documentation from the Social Security Administration is required.

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Supplemental Service

  • You must be within five years of retirement eligibility
  • Can purchase up to .5 of a year
  • Does not require any prior service, employment or leave period
  • Does not count toward vesting
  • Counts toward retirement eligibility
  • IRS regulations limit the amount of supplemental service you can purchase if you also purchase service for Social Security-covered employment.

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Other service purchase costs are based on missed contributions while on leave from covered employment. Learn More »