HIGHWAY PATROL OFFICERS' RETIREMENT SYSTEM (HPORS)



DROP is now available for eligible HPORS members!

HPORS provides retirement, disability and death benefits to all members of the Montana Highway Patrol, including supervisory personnel and their beneficiaries.

In a defined benefit plan, both the amount you contribute and your future benefit is known. Your benefit will be calculated using a formula based on your salary and years of service.

 

SUMMARY OF HPORS BENEFITS
FOR MEMBERS HIRED ON OR AFTER JULY 1, 2013

Monthly Benefit Formula: 2.6% of HAC per year of service.

Highest Average Compensation (HAC)*: Highest consecutive 36 months

Required age and years of service to be eligible for a benefit: 20 years regardless of age.

Vesting: 10 years

Guaranteed Annual Benefit Adjustment (GABA): After you have completed 36 full months of retirement, your benefit will increase by a maximum of 1.5% each January, inclusive of all other adjustments to your benefit.

SUMMARY OF HPORS BENEFITS
FOR MEMBERS HIRED BEFORE JULY 1, 2013

Monthly Benefit Formula: 2.6% of HAC per year of service.

Highest Average Compensation (HAC): Highest consecutive 36 months

Required age and years of service to be eligible for a benefit: 20 year, regardless of age.

Vesting: 5 years

Guaranteed Annual Benefit Adjustment (GABA): If you were hired after July 1, 1997, or elected GABA - after you have completed 12 full months of retirement, your benefit will increase by a maximum of 3% each January, inclusive of all other adjustments to your benefit.

Minimum Benefit Adjustment (non-GABA): If you were hired prior to July 1, 1997, your monthly benefits as a non-GABA member are increased each July when they fall below a statutorily guaranteed minimum. Any annual increase is limited to 5% over your current benefit and may not exceed 60% of the current base salary of a probationary officer.

 

* HAC Capped: There is now a 110% cap on compensation considered as part of a member's highest average compensation. This applies to members of all systems who are hired on or after July 1, 2013. Also, bonuses have been removed from the definition of compensation for all retirement systems effective for bonuses paid on or after July 1, 2013.

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